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Fresh start....

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Comments

  • Karen_30
    Karen_30 Posts: 823 Forumite
    Morning all,

    I'm back :D

    Not had chance to catch up on other threads yet as super busy at the mo but will pop back later and catch up and post properly. The break has done me good.

    Will post properly later, have a good day all.

    K xx
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    nice to see u back!!!
    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
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Ok, finally five minutes to update!

    Can't tell you what good it did me not logging in on here every five minutes! No offence to anyone on here as I love catching up with you guys as you know but found it was taking over my life! I was literally logging on as soon as I finished work, during work, after dinner, in bed and so on....not good :rolleyes:

    Anyhow, almost a week away and have found a bit of normality in life again. Work is picking up and I find that I am concentrating more in that area. Something I wasn't doing when logging on here every hour just to check on updates etc.

    Anyhow, am back and refreshed and won't be logging on too regularly in the day, maybe once or twice.....watch this space :o

    So, since updating this diary regularly I have put away £310 in savings - woo hoo :T I've def been far more savy with my money however there is still room for improvment as haven't stopped the adhock mag or bar of choc....waste of money :mad:

    OH has been better too, we're on board together and know where we want to get to in all financial areas - we'll do it!

    I'm letting the dmp deal with itself for the mo, creditors are happy and I am happy with that for now. Until such times I have a large sum of money saved for some full and finals I am going to let it do it's business and carry on sorting/saving.

    Hope everyone has been well and happy :D I'll be surfing later tonight to catch up on everyones threads.

    K xx
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Hi Karen

    Congratulations on your weight loss :j

    Glad you are doing so well - and you sound really positive :A

    Shoe Gal x :D
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
  • Primula
    Primula Posts: 953 Forumite
    Nice to see you back, and well done on £310 savings - that is fab, keep up the good work.
    P
    x
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Morning all,

    Hope everyone is well today. I'm feeling a tad poorly, sore throat, aches etc :sad:

    Nothing exciting planned for my day, lots of work and then a nice bath and bed me thinks. Might surf with laptop in bed tonight and catch up on you lovely peeps and your diaries - not had a chance yet and at friend for dinner last night so didn't get to log on last night.

    Need to work out another plan of action for payday - the usual things spend less, work more - save more.....boring.

    Have a nice day all,

    K xx
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Feeling a bit perkier after numerous meds and a rest at lunch....so plans for the rest of today are....

    1. Put on another wash load (already done two) and hang out to dry.
    2. Quick spruce of flat.
    3. Check online banking.
    4. Start preparing for wend away (OH and I off to Snowdonia for some camping, walking, climbing etc - can't wait :j)
    5. Finish a days work....nearly there :D

    Just general stuff but find if I list it then i'll have better chance of getting it done - i'm weird :rotfl:
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi karen nice to see you back - I am following your lead and trying to do a bit more outside of mse! Get a bit of alife back!
    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
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Karen_30 wrote: »
    :D

    Just general stuff but find if I list it then i'll have better chance of getting it done - i'm weird :rotfl:

    Hi Karen

    Me too - I have to write it down to try to shame myself into getting stuff done! :o

    You are doing really well with the overtime, well done. I wish I could earn some extra doing overtime but my company don't offer it - and I've not got enough time for a second job as I have a long comute :rolleyes:

    Debts seem to decrease so much more slowly than they increased :mad:
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    :beer: Hi Karen, it's good to see ypu back and I am glad to hear that the break has done you good, sorry I haven't got on before now but I have also been trying to limit outside of work internet/computer use!

    The savings is awesome! That is a nice chunk to have tucked away :D

    Sometimes I think a DMP is unmotivating, like we have said, you cant really over pay until you have enough for a F&F so it just has to do it's own thing, it must be nice to be able to see big chunks coming off a credit card or similar!

    Hope you have a good day today, I will pop back soon :o

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
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