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Fresh start....
Comments
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Hi Karen.
Been catching up with your diary - congrats on the little kitten. I hope he won't be another procastination...lol! :O)
You are doing really well still. Keep it up!!!!
Thanks babyhead - hope you are well. LOL....the Oscar is one thing that i'll always be happy about, already love him to death (big animal lover)....he's currently asleep on my desk with one paw on my keyboard....awwww.
xx0 -
Like the name. A LOT!!! So is he solid ginge or stripey, dark or light? I need details woman!
Today I have eaten:
Cereal
Toasted Muffin
Pate & Cucumber sarnies
Pkt crisps
Can diet coke
Banana
Lemon squash
5 HM cookies
Does this make be a bad person? LOL** 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)0 -
The_Golden_Goose wrote: »Like the name. A LOT!!! So is he solid ginge or stripey, dark or light? I need details woman!
Today I have eaten:
Cereal
Toasted Muffin
Pate & Cucumber sarnies
Pkt crisps
Can diet coke
Banana
Lemon squash
5 HM cookies
Does this make be a bad person? LOL
I'd rather have eaten what you have but I know that my belly will just get bigger and bigger....why is it I can't eat what I want and stay the same shapeNot fair!
Oscar is stripey light ginger - white socks and lovely stripey legs like a tiger....so bless. He's really crazy at times but fun. Bless him he sleeps curled up in front of me at night in bed.....I love him!!!0 -
Damn work, I thought I was rich for one moment (well sort of) when I logged on internet banking and realised I got paid a massive amount more than normal.....seems that they paid me 62 hours overtime instead of 31 which I have acutally done :rolleyes:
Anyhow, nice thing is now though knowing how much I could take home if I actually did work 62 hours :eek: It would leave me with quite a bit of spare cash to throw at my debts each monthso this is my new aim. From August payday I want 62 hours overtime included until such times as i've paid off majority of my debt...obviously pending overtime availability but at the mo its pretty regular....ooh i'm excited now about the possibilities :j
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hi karen - hope Oscar is settling in well. Very positive attitude on the overtime! That attitude will get you farAchieve 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 -
Awww, Oscar sounds lovely!!! I'm not a cat lover atall but your excitment is making me want one!
You'll have to try and get a pic up of him soon.Initial Debt July 2020 - £6,772.80
Debt now Jan 2021 - £6,208.21
Overpayment pot - £00 -
Afternoon all,
Hope everyone is having a lovely day and enjoying the sunshine.
Well yesterday I managed to achieve the following
- No spend day
- 30 mins exercise
- Eat sensibly all day (sort of!)
- No spend day
- 30 mins exercise
- Eat sensible - so far ok apart from 2 jaffas
- Check online banking
- Daily scratch cards
- Spruce of flat
- Pack away clothes on airers
- Clean ensuite
- Early night
I also need to sit down and set up standing orders to pay my creditors as made last payment to Payplan today :j V-excited!
I'm going to change my signature with my new monthly target for overtime of 62 hours.
Will update with up to date balances of total debts etc later this month to ensure I keep a record of my success in paying them off
K xx
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Forgot to add to my list....work out budgets for the month to keep me on track.0
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Evening all,
Hope everyone is ok and having nice evenings.
Well from my list today I have managed.......
No spend day
30 mins exercise
Daily scratch cards
Spruce of flat
Pack away clothes on airers
Haven't quite managed to clean the ensuite or eat sensibly all day but I did go for a 30 minute run so feel better about that.
Nothing else exciting to report. Two no spend days in a row :T
Off for bath and bed now,
K xx0 -
Crikey I thought you were joking about doing 62 hours overtime!! Best of luck with it. You'll hammer those debts in no time.Initial Debt July 2020 - £6,772.80
Debt now Jan 2021 - £6,208.21
Overpayment pot - £00
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