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My Journey
Comments
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Hi SH, and anyone else who pops in
Hope your feeling better today SH *hugs*
Unfortunately not feeling much better yet, very tired and body just wants to stay still *shrug* but, it's Friday atleast so I can 'try' and rest this weekend, inbetween cooking, cleaning and getting washes on
Finally managed to get the virus removed from works PC *phew* was worried about mine and DH's as they had a similar 'update' night before, scanned it with all programs I used on works and didn't find anything thankfully, checking DH's tonight as I only had time to worry about 1 after college and mine is the one I use for internet shopping etc so was the one I was more concerned about.
Got my clicker yesterdayHad a little practice, didn't think I'd done it right but must of done as logged into email this morning and it said the 10,000 points had been added
Read the letter that came with all the info, I can get a max 1,100 points a week and if I send copies of my receipts I get an extra 500 points on top
So if I work out how to get the max, I can probably get a voucher every 7 weeks
I'd like to get my fruit plants first and put the rest in a hidey place to go towards a new greenhouse to replace the ripped one.
Wanted to sort out my strawberries over the weekend but will have to see how body feels and if weather wants to behaveneed to check seed packets and see when's best to start the pea's, won't be doing so much veg this year as we didn't use all I grew last year
Definitely doing potatoes again, Mum got me some large tubs, I need to put some holes in the bottom for drainage as they are to add to the bags and grow more potatoes, plus an extra tub for the rhubarb Mum bought me
Had a fiddle with SOA yesterday, if Mum and Dad do offer the petrol money then I should be able to make an overpayment on CC1I'm going to do the SOA's at the end of the months, keep updating it through the month to keep an eye on surplus/shortfall, and whatever the surplus is, will round it down to nearest £1 and it will get added to CC1's payment the following month, it might help to get rid of it sooner and will leave a few penny's in account.
Can't think of much else happening at the moment, hope everyone has a nice day and has better weather than we do up here xxx
:idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
Finally got round to changing siggy
Debt at Worst £12,600.55
Current Debt £10,152.58
Paid off £2447.97 = 19.42%
I seem to be paying off around 2% a monthPayment to Littlewoods was 2 days late though so got charged, forgot the date it needed to be in for, so paid it while I remembered on the 16/2, needed to be in by 13/2! Damn :doh: So changed spreadsheet as I had it around 27th of every month on it, changed it to first pay day after paying CC's, so will take me a little longer, or if there is enough in last month, will pay it off completely and forget the overpayment for CC1 that month, unless there's something left over after paying Littlewoods
Redeemed 10,000 points for a Homebase voucher on S&SShould arrive within 5 days and I can then go and get my fruit plants
56 minutes till I can go home, let's hope they go quickly!!!
:idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
Hi Bevan - hopefully you will feel better if we ever get any sun! Glad you have 10000 points already - my apple tree broke last year... I would quite like a new one hmmmmm.....
I am trying wii fit as a way of improving my diet and fitness level - and hope it might benefit my endorphine levels too!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 -
Savings account bonus interest ends on 5th April, I'm writing it here to remind me
Would love a wii fit (on days when I'm able) need to wait till (or if) we have any spare cash lieing around
Sunshine? What is it again?? hehe
:idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
The wii I bought about 6 months before we ended up here -the balance board was a xmas present one year for DS but shockingly we used it for a week and then mostly ignored it. Now me and the kids are up to around 2.5 hours total use each which for something we have had for 18 months (the board) is shocking! Hopefully it is the start of something positive for us.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 hope so
Sounds like fun, will have to wait for Birthday or Xmas and see if I get lucky
:idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
Right, new month, hopefully ok start
Started the month's SOA with -£17, it's now -£40 ish as I forgot about mothers day :rotfl: I asked DH if he'd be ok with me buying a 'nice' big bunch of flowers for my Mum and he said ok, so ordered them over the weekend and then TCB pop up today with 7% cashback! :doh: What a pain in the rear that is!! lol
Unfortunately didn't get anything done that I wanted to do over the weekend, unfortunately after checking DH's laptop and with the help of AlienRik on techies we found that DH's laptop was seriously infected with virus'!!! I was up till 1:30am Sat morning trying to fix it, Saturday I rang the computer shop across from where I live and asked if I installed Windows 7 on it if it would clear it, said yes, and that took all of Saturday, installing and then putting all the security programs on it! Sunday was spent in painbut I atleast got dressed, which I didn't bother with on Saturday. Ended up in tears yesterday afternoon (thank god I'm on my own at those times) as both arms and legs were extremely painful and that was when I was sitting still
Feeling slightly better today, legs aren't as bad but they weren't too bad yesterday morning either *shrug*
Enjoyed yesterdays sunshine and today has started out the sameDefinitely helped to perk myself up a bit
DH has agreed to come shopping tonightso don't have to worry about driving, pushing trolley, carrying bags etc Going to have a look on ebay to see if I can find some colourful sticks
Something to go with my outfit when I go to the concert
Then I can also give the ones I've got back to the hospital, was only supposed to keep them for a couple of weeks, and that was a couple of years ago
:doh:
2 weeks and 6 days :cool::j:T:rotfl::D hehe I'm not excited at all, checked diary last night to see the tickethehe
Strawberries are still in the shed, looking brown and fluffy, really need to get them sorted!! Also need to empty all the ones I had last year as they still have all the soil in, not sure what I do with it really, any idea's anyone on what I do with all the old soil?
Hope everyone has a nice sunny 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 offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
I just tip old soil on to the garden - it acts as a soil conditioner so all good!
Hope the pain eases for you soonAchieve 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 -
Don't really have a garden, well, we have, of sorts but it's shared with the other 2 houses we are attached to *shrug* will add the soil to them, once I get it out of the wheelie bin lol DH kept telling me that the council would take it, once we'd filled it he said they wouldn't as was too heavy!!! Silly muppet! :rotfl:
Finally watched the DVD we had from lovefilm, was ok, funny in parts (Because I Said So, starring Mandy Moore & an older actress, cant think of her name but been in lots of films) next has been sent out and hoping it will be there tonight, its Michael Jackson's This Is It DVD! I can't wait, with the final £10 from Christmas I was torn between that one and Twilight New Moon, New Moon has won but waiting till I get the money from Mum before I get it, will either buy it in shop or online, whichever is cheapest, will be ok as Sister has pre-ordered it anyway so should be there when I get down
I think I've decided I'll go down on Saturday (although I will probably still change my mind a few more times before I go) Sis & BIL are away for the weekend, coming back on the Monday, so would give me and Mum and Dad some time togetherWill have Mum all week as Sister & BIL will be working during the day and Mum has had carpal tunnel op today so will be off work for 4-8 weeks, which was well timed for when I go down hehe
Think I may have to stick with the silver sticks from hospital, coloured ones are rather expensive!! Maybe if I buy a pair of silvers and spray paint them? Will ask DH and Dad what they think
Hope your doing ok SH & Joxx
:idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
You seem to enjoy spending time with your parents - hope you have a good timeAchieve 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
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