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....

1343537394058

Comments

  • Karen_30
    Karen_30 Posts: 823 Forumite
    babyhead wrote: »
    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.

    xx
  • 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)
  • Karen_30
    Karen_30 Posts: 823 Forumite
    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 shape :confused: Not 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!!!
  • Karen_30
    Karen_30 Posts: 823 Forumite
    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 month :D so 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
  • savingholmes
    savingholmes Posts: 29,085 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi karen - hope Oscar is settling in well. Very positive attitude on the overtime! That attitude will get you far
    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
  • Bowski_1011
    Bowski_1011 Posts: 1,041 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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 - £0
  • Karen_30
    Karen_30 Posts: 823 Forumite
    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!)
    So for today - bit late obviously but aims are/were....
    • 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
    Nothing too exciting but it keeps me on track and makes sure I am up together with everything.

    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 :D

    K xx

  • Karen_30
    Karen_30 Posts: 823 Forumite
    Forgot to add to my list....work out budgets for the month to keep me on track.
  • Karen_30
    Karen_30 Posts: 823 Forumite
    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 xx
  • Bowski_1011
    Bowski_1011 Posts: 1,041 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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 - £0
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.