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My Journey

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Comments

  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    edited 5 February 2010 at 3:05PM
    oooo JLS Yum Yum :)

    Well, there's something I have to get off my chest before I go crazy with it, I haven't spoken to DH for obvious reasons, but before he goes to Austria he is staying at a Premier Inn on the M25 or there abouts, I don't know if it's the same one but when he was having the affair he was supposed to of been in a PI somewhere around the M25 and it's driving me crazy as he didn't stay at the PI, he went to hers!!! I don't want to bring it up again, but I want to know if it is close to 'her'! Should I ask? Or just try and let it go?
    Any idea's would be great, need to get ready for work, hope you all have a good day 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
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Well, bit the bullet and asked him last night, waited till we were in bed and lights were off though :o It isn't near there so I can rest easy now, he's also going to be sharing rooms with the other driver who I also know so feeling better now :)

    Got home last night to find the new water bill and the payments have gone down starting from this month :D Used to be £29.37 and it's now £22.36 :D Saving of £6 odd, put it in spreadsheet and hoping it will stop it going red :o

    When DH goes away he gets extra pay for working more than 5 days and for being away from home he gets overnight money too, but haven't added that to the spreadsheet as don't know what tours he will be doing this year, and I don't include the overnight money at all, it saves me giving him spending money as he get's way more than me every week when he's away, will just pop the extra in when I see it in the bank :)

    Managed to catch up with college last night, have some extra work to do which I would of done last week, just to make sure I understand it etc and also need to do the homework set last night, half term soon though so I'll be able to rest those nights, typical it's when DH is away though!

    Didn't realise the 'Cash' part of the SOA didn't change the amount for outgoings, so won't continue with that one after all, paid the overdraft so my personal account is now a healthy £0.00 in black too :D
    Still waiting for email to say NUS card is ready to pick up, they send it to your college instead of your home address so the college can check you really are a student, they are sending it to a different campus though which I don't know where it is :o I think it's up the road from work but not sure, will wait for email to say it's ready and will hopefully have the full address of where I need to go or a phone number to contact.

    Told DH that to afford the money for him to go away we need to knuckle down as I don't want to be in my overdraft! So there's no more charging his phone every night, as it doesn't need it and we could do with saving the electric, I have had this discussion with him before and he says it needs it, when I know it doesn't as when we were down Mum's he didn't charge it every night and it still worked fine :cool: luxury of the blackberry is I only need to charge it about once a week :D sometimes twice if I've been using it more than usual, which is rare as I use iPod for games :) and charge the ipod at work :D hehe
    I'm going to try and start getting the smart price items at asda again for a while to try and keep spends down, ordered my shopping to be delivered tonight, but still need cat food and litter so will be taking a trip to Pets At Home this weekend as they have a deal on cat food :) But so have Asda but I couldn't find the food that I buy for them on the website and couldn't guarantee I'd get the ones on the picture as they wording was the same for them all and Angel doesn't eat the jelly ones so knowing my luck they would all be jelly lol
    Turned the gas timer off at a few times I had it on so should be spending less on that too, still waiting for the bill and checking the site daily in case they do it early and I can see what the amount is :)

    Gone back to feeling rather emotional, unsure why so will start the tablets again and stick with them this time, especially while DH is away as I normally get very low, especially when he's in another country and can't talk to him as much. Got a bundle on his phone now, £5 bundle gives him 200 minutes at 28p per minute, incoming calls are free for 200 minutes and texts are 11p, so told him that when he is free to send me a text and I'll ring him for 15-20 minutes, cheaper than him ringing me atleast.

    Ummmm cant think of anything else, one more day of work and free for 2 days :D I love Friday's :D If I don't manage to get on, I hope everyone has a nice weekend and will probably (hopefully) be back on Monday :)
    :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
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Just checked EDF website for gas and I'm amazed!!!!!!

    This time last year £270 ish
    This year £148.92 (before VAT)
    I've almost halved last years bill!!!! And because the account was £120ish in credit, the balance is only £33.66
    :j:j:j:j:j:j:j:j:j:j:j:j
    Wahoooooooo!!! So putting on the extra clothes, blankets etc was well worth it!!!!! Maybe I can get the monthly payments brought down now :)
    :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
    well done on the utility savings that is brill

    glad you asked OH and he put your mind at ease

    glad you are going to go back on the tablets. I have taken my own advice and seen a gp and upped mine as I have been feeling low too.

    At least our debt is gradually coming down.... that has to be good!
    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

    You're right, it is good that the debt is going down, won't be dissapearing as quickly as first planned anymore but it will go down :)

    Good idea about upping them, they can be useful at times :)

    Next task, halve the next gas bill ;) hehe
    :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
    Wow v. impressive about the gas bill - made me get up and turn the fire down to 'low' LOL!:D

    I love Fridays too - always in a good mood!
    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
    Last year, we had it on for a couple of hours at different times of the day, this time I had it set for half hour every 6 hours (Midnight, 6am, Lunch, 6pm) and added 15 minutes during the night with the cold weather so the pipes wouldn't freeze :) Was thinking the bill was going to be similar to last years so was extremely suprised at how low it actually was :D
    Keep meaning to try the foil idea but think the kittys would sort that out before I'd even put it there, foil is supposed to scare cats and my 2 play with it, supposed to be scared of water and Gizmo jumps in a bath full of water!! :rotfl: Very strange kitty that one lol
    :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 bevan - you are doing really well

    Any time out with friends planned anytime soon?
    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
    Friends, ah, there's the problem lol :) Haven't really done much on the friend side of things, sort of know some people to talk to at college, but don't seem to have the energy for it at the moment, I have plans in March with my friends at home, does that count? :) Obviously got the Peter Andre concert and the night of twilight, but also planning to go see my X (yes we are friends lol) and his pregnant fiance and also want to visit the hotel I used to work at as I did make some friends down there, will hopefully catch up with another mate while down there so long as he isn't too busy with work and gigs :)
    :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
    ok things to look forward to - sounds like you have a few of them
    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
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