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Handbags & Gladrags – Confessions of a Recovering Spendaholic

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  • laura2481
    laura2481 Posts: 4,305 Forumite
    1,000 Posts Combo Breaker
    wow- you've been busy :rotfl: Def get rid of that debenhams card pronto though- the interest rate on them bu**ers is extortionate! :rotfl:

    night night
  • Make sure you cut up the card...! 30% off okay - 30% apr not quite so good LOL! Hope you have a good day tomorrow
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • urg123
    urg123 Posts: 1,997 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi Swinstie

    Just wanted to pop in and say hi. Looks like you are doing really well. It takes some time to get the thinking to be a habit.

    Great news on the 40%+ paid off :j:j. Don't forget to enjoy the milestones!

    urg x x
  • Sun_Addict
    Sun_Addict Posts: 24,105 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Swinstie - I am subscribed to the home management journal type thingy thread - it's full title is Home Management notebooks/journals etc. It has some great ideas. Here is the link:

    http://forums.moneysavingexpert.com/showthread.html?t=1873913
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Swinstie73
    Swinstie73 Posts: 2,897 Forumite
    Thanks SA, have subscribed to that thread and had a wee look, will read more later - looks interesting!

    Well had a horribly weird day at work today, everything has been getting on top of me since coming back from holiday. I was off for a month, the girl who was covering ended up on jury duty and although she did do a lot, there was still loads I came back to. One manager wants me to book 1st aid courses (this is one of his jobs as a manager) and it's just one more thing to do, I went off on one today as he acts like I'm his PA when in fact I do work for 6 managers!

    I did apologise for being a moody moo but they have been 'talking' about needing someone else full time, other girl is only part-time, for 3 years now and it's never happened, maybe they will realise they NEED someone. The part-timer is going to be in the rest of the week instead of just today and tomorrow so we are going to blitz as much stuff as possible then have a system where the work can be shared - everyone currently emails me, I even had my out-of-office on when on hols and were emails passed on?! NO!

    I know I'm very lucky to have a job so not going to moan too much, I just need to learn to say no when I can't get something done. Ok rant over, ha!

    Off to watch Gok now, with a cuppa and a scone, mmmmmm!
  • rupe34
    rupe34 Posts: 1,022 Forumite
    Hey Swinstie - catching up with you chick.

    Firstly - you are so organised and together (well you certainly sound it anyway;)). Home management of any kind has me running for the hills (and as for flylady.....lets just say I am a disaster zone!)

    Workwise - I can empathise dude. Have been feeling very similar in my work. In some ways its nice to be indispensible;) but its tiring as well. I guess I am in the position of being able to delegate a bit - but I don't want to overload staff cos I know how it feels. I could happily just walk away at the moment - and I know JUST how ungrateful that sounds when we both know people who are out of work and really need to find something.:cool:

    Finally - I know I'm way out of date - but 40% of your debt paid off???!!!:T:T:T:T
    Onward and upward - with the odd step to the side

    November GC £255/£300
  • When I'm away from the office now my out-of-office simply states that I am not there, that my mailbox is unattended, and that emails should be forwarded to *** & ***. If your return date is non-specific, people are less likely just to "leave it and wait" as they don't know how long that wait will be!
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • I like your style EH

    Sorry your day wasn't great Swinstie, glad you have a bit more help for the rest of the week
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Swinstie73
    Swinstie73 Posts: 2,897 Forumite
    When I'm away from the office now my out-of-office simply states that I am not there, that my mailbox is unattended, and that emails should be forwarded to *** & ***. If your return date is non-specific, people are less likely just to "leave it and wait" as they don't know how long that wait will be!

    Hi EssexHebridean & All,

    I was off for a month - you would think they would forward the bl**dy emails on wouldn't you :confused: . Most were sent from a scanner so the O-O-O wouldn't work BUT I sent an email round Finance (there were loads of invoices) telling them I wouldn't be in - didn't work obviously, ha!

    Anyway I have raised a request today for a shared mailbox for me and the other girl so we both have access to it and any work, I am assuming people will actually use it, but here's hoping.

    Feeling better today, might have been the 2 lattes (both free - or bought for me should I say), or cos had to be ok as had an appraisal. All went ok, was just a mid-year one but must do better for the year-end one. One plus point, my sickness absence was mentioned (or lack off) as not been off for almost 2 years :j.

    Well better go as OH on his way down and house is a mess, dinner not on, blah, blah! Hope everyone else is doing fab xx
  • Hi just to say i am reading , you have done so well i enjoy reading your posts!
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