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....
Comments
-
Bowski_1011 wrote: »Crikey I thought you were joking about doing 62 hours overtime!! Best of luck with it. You'll hammer those debts in no time.
Nope, if I have any chance of clearing 50k of debt it has to be hard work all the way!0 -
Aims for today are....
- No spend day (would be three in a row!)
- Eat sensibly
- Put washload on and out to dry
- 30 mins exercise
- Tidy/sort through paperwork
- Work overtime this evening if available
K xx0 -
Blimey Karen - 62 hours overtime :eek: Make sure you don't over do it missus!!
But I can see your motivation though. It must have been nice to see your bank balance!!!!!
Hope Oscar is settled now. xxDFW Nerd #11520 -
Blimey Karen - 62 hours overtime :eek: Make sure you don't over do it missus!!
But I can see your motivation though. It must have been nice to see your bank balance!!!!!
Hope Oscar is settled now. xx
Hi Babyhead!
Hope all is well with you.
It'll def be nice to see my bank balance if I can manage to do the 62 hours a month - tough work but needs to be done if I am going to get out of this mess sometime soon.
Oscar is fast asleep on my desk at the moment - bless xx0 -
Evening all,
Hope everyone has had a good day... have managed to do the following...
No spend day (would be three in a row!)
Eat sensibly
30 mins exercise
Off to have some porridge for my tea as don't really fancy a full meal.
K xx0 -
-
0
-
Hi Karen - I agree - by all means work hard and try and get the overtime in but do look after yourself and make time for fun too! Hope you are having fun with the kitten....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 10/10/250 -
savingholmes wrote: »Hi Karen - I agree - by all means work hard and try and get the overtime in but do look after yourself and make time for fun too! Hope you are having fun with the kitten....
Thanks SH - i've factor in fun, don't worry about that! It's my day off today and we are off to Go Ape for OH's brothers bday and then pizza express this evening with the family. I'm trying to catch up with friends etc by way of meal at mine - cheaper than going out
Sad as it sounds socialising with my best friend involves running at the mo as we are both doing Great South Run in October for charity and in training for that at the moment :eek:
Oscar is great fun - he's so entertaining and great company for me whilst working at home
No plans for today as such, a chill out day with OH. I've already cleaned kitchen and living room, hoovered and put a washload on. Hope to eat reasonably sensibly today and a day of rest on the old exercise.
My Dad bless him this morning offered to help me out financially which was SO tempting but I told him no, I have got myself into this mess and I will get myself out of it. A lot have been passed to dca's or charging no interest so I don't see the sense in taking my Dads money when I can do it with hard work. Sound a little strange I know but I need to do this to learn from my mistakes and realise that I can do things and carry them through!
Anyway enough yapping from me,
K xx0 -
Good luck with the run - that's a fab challenge :jSometimes 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] - £7243.56Weightloss : 0/34lbs0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

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