We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Fresh start....

1262729313258

Comments

  • Karen_30
    Karen_30 Posts: 823 Forumite
    I thought I could get by without having to post daily, with lists etc etc but NO I can't :mad: For some reason if I don't post regularly I go off and waste money like I have it and never stick to anything I plan on doing....so you're stuck with me guys :rotfl:

    Need to get back on track after an expensive weekend and few days this week. Need to get back to sensible Karen as it seems I easily slip back to what I was :eek:

    For today it's getting on top of the flat, a weekend away and nice weather means that I have done nothing....so bad! Anyhow, will pop back later after I have reassessed the damage done to finances..:o
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    not to worry, karen - it happens. least u are wise enough to recognise it and stop it in its tracks!

    i have 2 expensive weekends coming up :-( but keep going - ur doing well!x
    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
    mrscmr wrote: »
    not to worry, karen - it happens. least u are wise enough to recognise it and stop it in its tracks!

    i have 2 expensive weekends coming up :-( but keep going - ur doing well!x

    Thanks :D I feel i've slipped a little, i've even forgot to do daily scratch cards....its free money...what is wrong with me!

    Up to anything nice the next couple of weekend? x
  • Swinstie73
    Swinstie73 Posts: 2,897 Forumite
    Hi Karen,

    We all lose the plot a bit but at least you know you have and can get back on track! My debt has rocketed this month (cos paid holiday) but it will be great seeing it come back down again, just wish would come down faster, ha!

    P.S. You still need to enjoy life a bit too
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    well we have a legoland trip but i have saved lots on the ticket price due to netmums website
    plus the weekend after is child #3 birthday and a party - hmmm bound to be expensive.
    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
    Afternoon,

    Thanks Swinstie - you're right we do still have to have a life.

    mrscmr - sounds like a couple of hectic but nice weekends ahead for you.

    Well mini plan for the rest of the day....to get me back on track.....

    1. Pack away clothes on airer.
    2. Tidy/sort flat to a reasonable level.
    3. Check online banking and work out a budget for remainder of month to pay day and stick to it.
    4. Get some money back from OH for food shopping done at lunch time.
    5. Start planning for holiday to Brittany.

    I'm not sure if I have mentioned my pending holiday or not.....my Dad gave us £300 towards a holiday this year so we have decided to go via ferry to Brittany camping. We have all the gear as keen walker/climber/campers....so we thought rather than going somewhere in this country we'd pop over on ferry. We're only 30mins from Portsmouth so easy. I'm very excited and the ferry didn't even cost as much as £300 so we have some extra spending money too :D Less than 4 weeks to go.....must get exercising :rolleyes:
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am glad you have a holiday to look forward to. We all slip off the band wagon just in different ways for me it tends to be food... today it was some stuff for the garden (£29) but I can't find it in myself to regret it. It will hopefully give colour in my garden for longer - my garden looks gorgeous at the moment!
    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
    I am glad you have a holiday to look forward to. We all slip off the band wagon just in different ways for me it tends to be food... today it was some stuff for the garden (£29) but I can't find it in myself to regret it. It will hopefully give colour in my garden for longer - my garden looks gorgeous at the moment!

    I wish I had a garden...I have plants all over the flat and have just started my own herb pots in the kitchen.....I would love to spend a day gardening......bet your's looks lovely :D
  • My garden looks HORRIFIC.

    We are tackling it this weekend. Oh what fun.

    Alan Titchmarsh I am not. More Alan Partridge but without the dodgy leather thong!
    ** 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)
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    hey mrs gg - i have a real thing for alan partridge... actually im not sure if thats normal... but would love to be mrs partridge ... might be a laugh!!x
    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
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.