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My Journey

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Comments

  • Jo_R_2
    Jo_R_2 Posts: 2,660 Forumite
    Nice that DH is home :)

    Typing one-handed as have baby on me but hope you feel okay over the weekend and have a good one!
    Dealing with my debts!
    Currently overpaying Virgin cc -
    balance Jan 2010 @ 1985.65
    Now @ 703.63
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    edited 13 October 2009 at 8:29AM
    Hewwo peoples :)

    Well, back at work, just had a new phone system installed and guess who has to sort out the programming of it, yup you guessed it, muggins here!!! And do you know how much work they did to take the pressure off me coming back? None!!!!!
    Still needing to use my sticks and had to strap up my hand as Angel decided to claw right where I need to put my hand on the crutches and it keeps opening up again :o cant win

    We managed to get down to the fair, all 4 of us :) I went with my sticks and was VERY glad I did! Boys went on a couple of rides, DH even went on the mini rollercoaster they had (DH doesn't like coasters) but maybe by the time we go to Florida he'll be coming on some of the rides so I don't have to go on my own like a lemon :) Boys won a few toys and DH won me a little teddy, had to score over 57 to get the next size up, he got 2 x 20's then missed the board completely!!! But I like it, it's cute :) And on the way out he treated me to a flashing butterfly wand :D Very kiddy but was feeling like a big kid while there, plus was a nice end to such a crap week for me :)

    Still using DH's car, he's used mine to get down the yard with as he's away again today :( Was hoping he'd be home this week to take the pressure off me a little while I try and go back to work but they sent him away instead :( So, he's close to Mum and Dad.

    Cant wait till 5pm, I was tired by 11 :o and with trying to get up and down the stairs getting tired very quickly, need to bring my folder to work with me tomorrow to see if I can continue with the college work I didn't complete while I was off :o oops

    Not really done any debt busting, everything seems to be going along nicely at the moment, probably a good thing as not really concentrating on it completely at the moment.

    Hope everyone is ok xxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you enjoyed the fair and debt busting is getting easier. Sorry other things still hard at the mo!
    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 10/10/25
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Hello folks hehe

    I am back for another week lol am now able to walk :) No sticks :D But taking things slowly so I don't tire them out too quickly. Got DH's car again today and he's home for the week!!!! :j:j
    Had a major falling out over the weekend though :o He quit smoking in March, Dr had told him to and him smoking was causing me extreme pain in my sinuses. I went in his jacket for his makro card as I'd signed up for the Makro emails and what did I find in that pocket??? Pack of cigs! :mad: I didn't fly off the handle, I didn't even raise my voice, I just stayed quiet, all day!!! He didn't even come to bed :o I woke up at 1:05 as the boys weren't very well over the weekend and DH wasn't in bed, so went downstairs and found him asleep on the sofa. Woke him, got him to sort out boys and he came to bed. Yesterday morning while the boys were outside I decided to try and talk to him about it, couldn't get any sense out of him so stormed upstairs and I heard DH leave. He then came back with a bunch of flowers ;) :rolleyes: We had a little talk about it and settled things (the flowers helped hehe) We seem to have a few months of nice and then something crops up at the moment :o Normally DH doing something to hurt/annoy me :confused: So we've decided we need a holiday, we can't afford anything abroad so hoping to take 2 weeks off in November, the first week we will stay at home and relax and remember why we're together, SS2 birthday at end of that week, then pop the kits in cattery and go down Mum and Dad's for the 2nd week :) Already spoken to Mum, she's ok with it, and it would be LOVELY to go down and see everyone again!!! Put all figures into spreadsheet and we can afford it, the cattery and petrol to get down/up without Mum's help this time :D Just need to ask boss and get DH to ask his and find out if we can go, we've both only had 1 week this year so we're definitely owed some holiday!!

    Debt wise, still trundling along. Have put in all receipts as hadn't done it since end of Sept :eek: oops, we have £30 grocery budget to last till end of Oct!!!! I can't work out wether I should include the delivery charge with grocery budget or use it from bank account :confused: It's for groceries after all :confused:

    Managed college last week and luckily tutor on Thur let me go as I was starting to get tired and told me to finish the work at home, I didn't have much left to do atleast and will hopefully complete it before Wed :)

    Hope you've all had good weekends xxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Sal

    Sounds like things are picking up. GRRRRRRR to OH smoking in secret.

    Groceries... hmmmm if only I could stay on track!

    Glad you are still enjoying your course tho!
    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 10/10/25
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Hi SH

    I am loving the course, once I catch up on the theory work (wont take long) I will be at same level as everyone else, and we're starting a new unit this week too, still not much to do with actual accounting but the closer Christmas gets the closer the proper work starts, been asked to bring in our books for this week too :) Thank god the last one arrived last week!!! :D ebay is wonderful! Got 3 books, probably totaled around £70 new, I paid about £40 all together inc p&p :D:j

    First day driving my car today in 2 weeks and boy was it weird!!! My car is a little fiesta, while DH's is a Volvo S70! Very strange driving my 'little' car again!!! :rotfl: DH taking me to college again this week so only have to worry about completing the work, brought it to work today in case I get a few minutes :) Just have to stop playing games on FB or my ipod!!! :rotfl:

    DH and I going to ask boss' about the 2 weeks today, fingers crossed they both say yes :rolleyes: the 2 weeks for me are well planned as our Xmas menu starts the day I come back :) So I will be well rested for the Xmas rush!

    Ummmm debts are still there, slowly going down, CC has just been increased by £105 as needed to be AAT registered for the course, had already worked out which card it would be going on :) Now just have to focus on paying the damn thing off!!! No more expenditure as far as I know so the card is going to be quiet for a little while again :)

    Cant think of anything else. Glad your first day went well SH, hope you and family are ok Jo
    xxxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • Jo_R_2
    Jo_R_2 Posts: 2,660 Forumite
    Sounds like things are going great with the course! Wish I could find more time in the day to get on with mine, usually it's supposed to be evenings but by the time DDs and baby are in bed I'm ready for bed myself!

    Naughty OH... I'd be annoyed at that too! My OH is a smoker, he promised me two years ago he'd quit after we came back from a holiday we were on... And here we are two years down the line and no signs! So at least your OH is trying which is a good thing. I can't know how it is as I've never smoked mysef but I can se it is pretty difficult to give up so I try and understand but I still hate it!
    Dealing with my debts!
    Currently overpaying Virgin cc -
    balance Jan 2010 @ 1985.65
    Now @ 703.63
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Hi Jo

    Course work is all completed now :) All I have to do is submit the little piece of homework that was set for us and hope I got the answers right!!!

    I know what you mean, by the time I get home I'm shattered, especially at the moment, and tend to just veg on sofa till I start getting really tired then go to bed :) But I seem to be getting my energy back and I'm still mentally bouncing when I leave college hehe

    DH did and didn't want to quit, his Dad unfortunately died of stomach cancer, when he quit smoking! And unfortunately told DH to never quit! But, I've done some work on him and looked into the symptoms of the cancer and told him that with the 2 of us keeping an eye on it if something was to develop we would get him in asap! We've only had one scare that way and it was because he was eating too much All Bran!!! :rotfl: He was getting too much fibre! Plus he was eating it at strange times of the day and not a little bowl, a huge bowl!!! So I got rid of all of it and told him I would only get it again if he could promise he's only have a small bowl and at breakfast time only!! Didn't work though :rotfl:
    Which was why I was so proud of him for going as long as he has, just a pain that he had to do it. He had a Very stressful trip down to Torquay last Monday with a lot of problems with the hotel and the passengers all went to complain at him, being a coach driver it's not up to him if it's about the hotel but they all took no notice of this and went to him anyway, so told him when he get's into situations like that to ring me and not go buy a pack, he only had one (I know this as I checked the pack too) and apparantly didn't even finish it as he felt very light headed :) So going to buy him the Jeff Dunham DVD's for Christmas, he loves them and I have to admit he is very funny!!! hehe

    Anyway, started writing this then boss came in and lost train of though, I won't be going on holiday though, boss wont allow the time off, never mind.
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi glad you are feeling a bit more upbeat even if still tired.

    So how are things today?
    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 10/10/25
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Hi SH

    Things are still a little up and down, was rather gutted at not being able to take time off as was hoping it would help me on the run up to christmas at work, explained that to boss as well but still no change :confused: So I'll be having 2 weeks in Jan and 1 in March as sis has asked me to go down home for the week starting Mon 22nd I think as she's got me a joint Xmas & Birthday pressie, she's taking me out but I don't know where or what to!! lol It's a suprise and I'm resisting every temptation to search on internet for whats going on in Cornwall in that week!!! :rotfl:

    Did a little 'me' shopping yesterday, got the first top in 2 years!!!! :eek: I don't really buy clothes unless I have no decent ones left lol Wanted another top like one I already had and ironically was the last item of clothing I bought!!! lol Tag said £10, till said £9.79 so 21p change :D hehe Saw a few other nice things but kept walking and didn't buy anything else :D

    Logged on this morning to find CC1 had gone over the limit with the interest!!!! So paid 2 weeks early as didn't want to get charged!

    How is the new job? xxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
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