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Fresh start....

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  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    Afternoon Karen & all,

    Sorry to hear about your arrangement seeming to be a bit off plan Karen, I was having a nightmare getting hold of anyone at PP a while ago and my case manager apologised saying they were literally run off their feet! I got a letter recently from Cap1 saying I was behind but luckily it was just a standard letter!

    The kitten sounds fab!! My mum has 3 cats, one of whom was mine but we can't have cats here and Tigger is a bit old to be here by the main road :( I am consoling myself that once me and OH get a house we can get a dog :j

    I bet having the flat clean is nice, I've been a busy bee myself this morning but will save that for my thread rather than spam yours :D

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
  • Awwww, can we come and move into your flat? Our house needs ANOTHER hoover session.... flipping dog.

    Don't worry about the PP thing today, nothing you can do, sort it on Monday.

    You are doing so well, don't let one setback spoil your achievement so far.

    Cute about the kitten!!!
    ** Proud to be dealing with my debts **
    LBM - Jan 2009 _pale_ : £24,802.21 :eek:
    February 2010 :silenced: : £18,078.47 (not including OD)
    July 2010 :( = £16,819.34 (not including OD)
    January 2012 :mad: = £14,338.75 (not including OD)
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Afternoon guys,

    Hope you are all enjoying your Saturday!

    Well that's me finished the overtime, feel great for doing it. I am going to start a tally in my signature to keep me on that target of 50hrs. I will do it!

    GG - know what you mean about the dog hairs, my best friend has two and every time I visit I come home multi coloured :rotfl:I love them though! I would love a dog when we get a house but told OH that it's only fair to get kitten first so that it's in charge when puppy comes along ;)

    JTR - thanks for info re payplan. My only concern is that some payments have been arriving late too and been receiving letters re that. I wouldn't want things to start becoming messed up due to them making late payments. Hmmmm, may have to see how things go.

    OH just called to say that we are out for drinks and a curry tonight....yum yum :D
  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    Good Morning,

    How was your curry?! The idea of a sig showing your overtime is a great idea, once you get there we have can celebratory cyber jaffa cakes and wine to celebrate :beer:

    Have you got any further on the weekly budget yet? Hope you are still feeling positive, I am sure this nice weather helps loads :T

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
  • Karen_30
    Karen_30 Posts: 823 Forumite
    jtr2803 wrote: »
    Good Morning,

    How was your curry?! The idea of a sig showing your overtime is a great idea, once you get there we have can celebratory cyber jaffa cakes and wine to celebrate :beer:

    Have you got any further on the weekly budget yet? Hope you are still feeling positive, I am sure this nice weather helps loads :T

    Curry was yummy :D

    I'm going to sit down and work out the weekly budget after I finsh work.....yes, I am working overtime again - go me!:T I think I am aiming for £30 a week and this will include food shopping. Maybe we could spur each other on to live on as little as poss?
  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    :j @ the overtime, I think you may just exceed the 50 hours you originally set!!

    I think £30 a week is a nice round amount and should be possible if we really think about what we are buying, more than happy to compare notes for some motivation :D

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Hey all,

    Hope everyone is having a lovely Sunday :D

    My systems is on a go slow....actually stopped working at the mo so whilst waiting thought I would log on and pop a post.

    jtr2803 - will def compare notes re budget as it'll keep us motivated. I'm off to good start as OH and I put money together for evening out last night and there is some left so we've agreed to use this toward food top up ;)....means I start my new weekly budget afresh from tomorrow (still aiming for £30per week) - i'm quite excited about this :confused:

    Will be updating my signature with some figures to keep me motivated on all things later today.

    Now I feel a bit more control money/organisationally I am going to start working on fitness and diet....ooh this is turning out to be a lifestyle change all over....yay:j

    Must get back and see if system has decided whether or not it wants to play today :mad:

    Have a good day all,

    K x
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hi karen,
    having a kitten is very sweet - i wouldnt mind having another one! the overtime sounds like its going well - you are lucky you have the option as i know so many people who cant do any over time at moment
    have a good sunday
    mrscmr
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Karen hope you got your systems up and running so you could complete the overtime! You are doing really well with overtime. I like the idea of your £30 budget... not quite up to that myself tho LOL! I'll use the kids as an excuse but it could be - how much OH and I like nice food !!!
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    mrscmr wrote: »
    hi karen,
    you are lucky you have the option as i know so many people who cant do any over time at moment
    have a good sunday
    mrscmr

    Hi mrscmr - hope you are well. I do feel very lucky to have the overtime, I only wish it was a bit more reliable so that I could include it on dmp. Some months we have loads the next maybe just one weekend :mad: Can't complain though, I am just going to snap it up when and as it comes along.
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