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My Journey
Comments
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:TQuick update:T
*Newsflash, I've just received my first £1 from Opinion World into my Paypal account*
:j:T:j:T:j:T:j WHOOOPEEEEEE!!!!!: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 -
Well done on your survey money!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 -
Goodmorning Everyone
And what a cracking morning it is up here, blue skies, sunshine although forcast says it's only going to last till this afternoonbu88er and I was just starting to enjoy the sunshine!! lol
OH be home tonight :T:j Wahoo, and he's got a me a present while he been awayA stuffed cat with a funny look on its face! lol
Had £2 so far from Opinion World into my Paypal account, I'm well chuffed with that, the surveys say it takes 4-6 weeks for payment, I've only been signed up with them for 2 weeks and the first few are already coming in :j
Managed to get some of my list done last night as well :T OH be coming in the door and thinking he's in the wrong house!!! :rotfl:
Measly Monday - Kitchen and dining room
[STRIKE]Level One[/STRIKE]
[STRIKE]Clear and wipe worksurfaces[/STRIKE]
[STRIKE]Scrub down the front of units and large appliances[/STRIKE]
Level Two
[STRIKE]Wipe and replace small appliances[/STRIKE]
Clean oven and hob
Wash windows and [STRIKE]sills[/STRIKE]
Level Three
[STRIKE]Wipe the table and chairs... clean cloth if necessary[/STRIKE]
[STRIKE]Sweep and [/STRIKE]mop the floor
Degunge the fridge!
Extras- Thoroughly clean the cupboard under the sink!
- Run the WM's and DW's through a clean cycle
- Clean all the filters and door seals etc
- Wipe the back door down.. inside.. and out!!
Level One
[STRIKE]Clear and declutter the desk of doom!! lol[/STRIKE]
[STRIKE]Declutter the floors and sofas![/STRIKE]
Level Two
Vacuum floors
dust the fluff away
Wipe over the sofas/shairs/desk etc
Level Three
Scrub the bath, shower, basins and loos
Scrub down the tiles
Wash any bath mats, shower curtains etc that are in need
Extras- Clean the windows and mirrors
- [STRIKE]delete 50 unwanted emails![/STRIKE]
- [STRIKE]defrag the pc[/STRIKE]
- Clean out the vacuum cleaner.. wash the filters etc make sure all are dry before rebuilding!
Level One
[STRIKE]Declutter ALL the floors!![/STRIKE]
Clear the mantle of junk
Level Two
Vacuum/sweep [STRIKE]all the floors..[/STRIKE] stairs too!
Vacuum/sweep under furniture you can safely move!
Vacuum sofas
Level Three
Wash the windows
Wash any soft furnishings that need it
Wipe down ALL the paintwork!
Extras- [STRIKE]Wipe and water plants[/STRIKE]
- Dust all the electricals.. carefully.. don't want any frazzled flybodies
- Binbag dance
- HHI
Personal List- Find 200 photo's out of 850 to get developed for Wedding Scrapbook
- Plant up (what's left) lettuce's, carrots, pea's
- Clicks
- Scratch *3 x fish = 10p, decided to try a scratch card, didn't win, never mind, hopefully getting a Complimentary £2 from TAB, who's guessing that will go into bonus?*
- Go shopping and stick to list
Hope everyone can enjoy the sun while we still have it: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 -
More good luck, I just won £20 on winkbingo :j:T:j
Wahooooooo
If my luck holds out I'll be out of my overdraft sooner than I thought, will wait till it hits my bank before I add it to my total thoughYAY :T:j Me happy
: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 -
congratulation on the win Bevan
:beer::beer::beer::j:j;););):A:A:T:T:T
the lucky stick is working whoop whoop0 -
Hi Bevan WTG on the Wink win!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 -
Morning Guys
Only a quick message as not doing too well and cant concentrate for long periods of time so I'll probably forget what I wanted to ask in case anyone has a look.
I have 2 credit cards that I'm planning on throwing everything I can at, which mean's that I'll be saving loads of interest but no money will be going into any savings. Me and OH might be moving again soon so obviously we will need money for that but I'm not sure whether I should just pay the minimum on the CC's for awhile so that we can save enough money to move when we would like instead of having to wait longer if I pay the CC's off first, or throwing half at CC's and half into savings or wether to wait till CC's are paid off (could be next year but then we'd have to wait another 6-8 months to move)I got no idea what I need to do so any idea's on what to do would be great.
The reason we'd need savings to move is because we will be moving back to Cornwall(400 odd miles), so we'd need a removal (or very large) van, deposit and rent for a few months and money for bills, shopping etc in case we don't get jobs right away. It's difficult to explain without telling the whole story but any idea's would be great.
Health not doing too good, ME/CFS has flared up again and earliest Dr appointment I could Pre-Book is next Tuesday at 5.20 as I need a late one after work (money first, health second at the moment) I just need some tablets to help with some of the on-going symptoms, took me 3 years to get myself back on track and taken me 6 months to undo it all!! :mad: So not a happy bunny at the moment, haven't been able to do much 'flying' or clicks, managing the scratch's but don't have the concentration to do the clicks, will do when I can look at same thing for longer than 5 minutes.
Hope everyone is ok and sorry for the moan
Sally: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 -
Feel free to moan! Sorry to hear you're not feeling good - just take care of yourself, I know work is important but don't overdo it and make yourself more ill, okay?
Also LOL@ floordrobe:D
You certainly have some fabulous lists to follow - as you may know I'm a huge fan of lists and you get a fair bit done don't you?
Take care xDealing with my debts!Currently overpaying Virgin cc -balance Jan 2010 @ 1985.65Now @ 703.63
0 -
Hi Bevan - I think I would make a moving budget and set some aside each month to cover it unless you are paying high interest charges in which case you may as well wait until nearer the time...?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 -
Morning Guys
Still not doing too well, I'm absolutely drained. Didn't manage to get much done at all over the weekend, but I have finally planted my potatoes outsideThe veg that I thought had died the other week did, so I re-planted more seeds and I now have lettuce, rocket, beetroot, turnips and broccoli seedlings. Strawberries and blackberry plant's are doing well, left the blackberry out for the first time last night and is still alive this morning so think it can stay out from now
That was all unfortunately, no flying done, although the house could do with it!! OH is at Disneyland Paris with his step son on a school trip, seem to be having a good time
I managed to get halfway through the HUGE pile of dishes yesterday, got rest to do tonight hopefully if energy level picks up.
I'm dreading/looking forward to Dr's tomorrow, hopefully they will give me the tablets I need but he might try and tell me to take time off which I know I should do but there is no way we can financially cope on sick pay! So trying to work through it, luckily my job doesn't normally need a lot of energy as it's mainly computer based in an officeBut there is the odd time when someone needs me in the bar. Cant wait for OH to come home tomorrow night, he can take over with dishes and cooking for a few days.
The moving budget I have decided to still pay more than minimum on the higher interest CC but only half what I was going to do, will take me longer to clear but atleast we'll have some money left over in case we do need to move this year.
Jo_R I wish I could get through as much as I'd like tobut with this dratted illness it can make things rather difficult
It's been 7yrs now and I don't remember what 'normal' feels like anymore.
Hope everyone is ok: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
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