We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Trials and tribulations of a Debt Free Wannabee!
Comments
-
Hello savingholmes just thought I would wander over to your diary for some tips
TOTAL AT START £13606.90 27/03/2018
TOTAL CURRENT £13445.90 29/03/20180 -
SH thanks for the PM something is stopping me register I dont know why
think i'm not sure how 'safe' it all is plus I have never done anything like that either will have another look later
and if your taking in ironing..... I have LOADS you can do:rotfl:
Swinstie yes I have had haggis ( though not in a sheeps stomach lol) I quite liked it. my mum is scottish her family hail from Thurso / Scrabster (sp?) I have just started reading the book and there seems to be a lot of talk about porridge, potatoes , kale and neeps! no wonder its windy in Scotland :rotfl:
DD2's music teacher is coming to give her a saxaphone lesson today :eek: that means I HAVE to clean up. DD said before she went to school you will tidy up mum wont you?
well better get going
have a good day x0 -
HI SC I was really worried when I first did the FREE daily scratchcards but I have had an average of £30 a month for months now with no problems whatsoever. With one of them I did have to give in ID but again while scary - well worth it... Conquer your fears and go for it! I initially used credit cards to sign up with but M&S charged me a £3 transaction fee - so I now use my normal bank card! Just today scratchcards gave me about £1.30! It tends to be better on a fridaySH thanks for the PM something is stopping me register I dont know why think i'm not sure how 'safe' it all is plus I have never done anything like that either will have another look later
and if your taking in ironing..... I have LOADS you can do:rotfl:......
DD2's music teacher is coming to give her a saxaphone lesson today :eek: that means I HAVE to clean up. DD said before she went to school you will tidy up mum wont you?
well better get going
have a good day x
Hi downnotout - thanks for calling in! Not sure about tips today... I have been very naughty with my spending today :eek: Put it this way I bought stuff at Matalan, New Look, Monsoon, H Samuels and then Pizza Hut for a lunch date with OH! Whoops! Hope I a) get the job Tuesday so it doesn't matter and b) get loads of dosh for my birthday (later this month) that I can put towards todays spends!!! Got lovely stuff tho!
Signed on today. Submitted more interview expenses - they are way behind currently so it is going to be a while before I receive the money they owe me.
I gave in and let DD have a play date but only because my cleaner has been today and so my house looks respectable again;). I really have to get a job soon as I have told her (my cleaner) otherwise she will need to finish end of May! I don't want to put anyone oout of work... just employ her out of the goodness of my heart honest :rotfl: SC - I'm afraid I'm not taking in ironing! Hope you got your house sorted ready for the lesson!
Hope you all have a great day!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
By the way - THE interview I have Tuesday - apparently I'm down from 90 people to the last 3 (what that also means is someone dropped out this week - wahey! The agency told me there is no reason why I shouldn't get the job as long as I prepare and that even if they don't select me for this one - there is a chance that they will have other jobs they may consider me for instead sooner or later... So just need to stay on target and confident!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Fingers crossed for you SH, that sounds very promising.Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
yep got my fingers crossed too SH x0
-
Thanks Guys.
Well OH likes the 3 tops I bought, altho he thinks 2 of them are quite demure.... (good for work tho!). He is happy for me to keep the dress I bought £35 but doesn't think it is flattering enough.... Dilemmas... If he doesn't like it, and I know my DS doesn't like it - then that will lower my confidence so may take it back! I wanted him to love it but if he doesn't he doesn't!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
I think you deserve a little shopping spree given the effort you have put in on money saving. It's your bday soon too even more of a reason
Wishing you all the best for Tuesday, just incase I don't manage to log on much over the weekend. You're fab and I am sure they'll realise it too 0 -
Awww thanks guys.
Just had a bowl of banana, strawberries and red grapes with cream for tea! Yum Yum! Watching NCIS currently!
I got sent my p45 today but it is wrong, need to ask for a corrected one or I will never get my tax back! The playdate my DD had over was the best in ages - she can come again LOL! I've also squeezed in a grocery shop today £69 which is more like it!
No plans yet for the weekend.... Think I will take dress back for now - I would like a bag or some kind of accessory for Tues if poss.... taking the dress back can help fund it!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Hi savingholmes, a shopping spree, just what I love! If you're not happy with the dress take it back, I always buy stuff I think are 'ok' then end up not wearing them so it's wasted money. You will probably get nice accessories instead. Was watching NCIS too, now onto Numbers! I currently have about 25 hours of progs to watch, think I need to get a grip and stop watching so much tv, ha!
Good luck for Tuesday incase don't get back on again! x
P.S. SC, it is very windy in Scotland, ha!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.4K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.4K Work, Benefits & Business
- 601.2K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards