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Fresh start....

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Comments

  • Karen_30
    Karen_30 Posts: 823 Forumite
    I am SO tired I could cry! How on earth I used to travel to London daily (sometimes 7 days a week:eek:) I do not know!!! Just three days of it this week has knocked the life out of me - i'm already in tucked up in bed.

    Looking forward to some normality come tomorrow. Have said i'll do overtime tomorrow but not starting until 10am which gives me an extra 4 hours than my normal 5am start the past couple of days before I get up at 9 - bliss!

    Busy wend but as of Monday will be back on track and keeping on top of things - yay :j

    Off to get some much needed zzzzzzzzz's now....hopefully i'll look more human in the morning ;)

    K xx
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi karen - on the engagement present front - how about a token present liek flowers, choccies - failing that perhaps a scrap booking kit from somewhere like the works. If you had tesco clubcard vouchers - perhaps you could get her a magazine subscription?

    hope you are recovering well from that commute!
    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
  • babyhead
    babyhead Posts: 731 Forumite
    Hi Karen. Hope you are feeling less knackered today! xx
    DFW Nerd #1152
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Hello everyone,

    Hope you're all ok and had a lovely weekend. Can't beleive it's nearly monday already! Although i'm lucky in that it's my monday off so another day for me :p

    Had a lovely weekend, slept until 9am Sat and then did 6hrs overtime :T Sat night went to friends to share chinese and have a good old catch up. Today had a lie in with my lovely man and then off to friends engagement celebrations this afternoon and then to lovely pub by water with another friend for dinner and then to mums for a cuppa before heading back home. Very nice indeed, not so MSE but sometime we need to do these things, don't we :confused:

    Tonight I have completely cleared, sorted and cleaned the kitchen and am going to make a start on the living room. Aim is to ensure that I don't spend my day off tomorrow cleaning which I normally do. OH is off and we've not seen much of each other of late so want to go out for a nice walk or something...weather pending obviously!

    Aiming for a nice cheap week and weekend ahead - OH is away for the weekend so I will make sure I do the overtime and have some quality me time, maybe invite some of the girls around but I won't be spending any money. Try to compensate for the spends this weekend.

    Anyhow, back to the cleaning and clearing....

    K xx
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Hey there, hope everyone is well and all ok.....apart from the pain of debts :rolleyes:

    Had me a lovely day with OH. Went to Chichester for the day, wondering around window shopping and then had lunch. This afternoon had a dvd session on the couch (with dvd's we own already, so saved on pennies ;)) and then this evening sorted some of the flat together. Really lovely day off.

    Back to work tomorrow but thankfully from home. Have a few bits I need to get on and do so will start tomorrow....
    • Check online banking
    • Daily scratch cards
    • Update spending diary
    • Eat sensibly
    • Go for a run
    • Work a full 8 hours at home
    • Dishwasher - on and empty/pack away
    • Washload
    • Write letters to claim back some CC charges
    • Post letters (whilst on run if have stamps)
    • Pamper bath (me time)
    • Earlish night
    Not too much eh :rolleyes: Still all needs to be done and I am super training now for my run in October :eek:

    Night night xx
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    good luck - sound like you had some rest amid all that organisation!
    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
    • Check online banking (done)
    • Daily scratch cards (done)
    • Update spending diary (done)
    • Eat sensibly (so far so good)
    • Go for a run (after work)
    • Work a full 8 hours at home (half way there)
    • Dishwasher - on and empty/pack away (on, just drying)
    • Washload (done)
    • Write letters to claim back some CC charges
    • Post letters (whilst on run if have stamps) (OH doing for me whilst out)
    • Pamper bath (me time) (later)
    • Earlish night (later)
    Not too bad eh!
  • Karen_30
    Karen_30 Posts: 823 Forumite
    • Check online banking (done)
    • Daily scratch cards (done)
    • Update spending diary (done)
    • Eat sensibly (done)
    • Go for a run (done-50 minute run :j:j:j)
    • Work a full 8 hours at home (done)
    • Dishwasher - on and empty/pack away (done)
    • Washload (done)
    • Write letters to claim back some CC charges (to carry over)
    • Post letters (whilst on run if have stamps) (done)
    • Pamper bath (me time) (done)
    • Earlish night (aiming for 10:30 at latest)
    Woo hoo get me, i've nearly done it all :T So pleased about my 50 min run, needed to up it from 30 mins and although a struggle managed to do it ok. Oh and a NSD today too :j:j:j
  • Karen_30
    Karen_30 Posts: 823 Forumite
    Today I have......
    • Daily scratch cards
    • No spend day
    • Washload
    • Tidied bedroom
    • Full days work
    • Ate healthish
    • 30 minute swim (looking into cost effectivness of swim membership)
    Now I need to start looking at increasing my ability to pay extra off debt and increase savings for emergencies, house etc with OH....oh the joy and stress of it all :rolleyes:

    Oh and forgot to mention already worked up 8 hours overtime. Should be some both Sat and Sun this weekend too....woo hoo!

    K xx
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Karen_30 wrote: »
    Today I have......
    • Daily scratch cards
    • No spend day
    • Washload
    • Tidied bedroom
    • Full days work
    • Ate healthish
    • 30 minute swim (looking into cost effectivness of swim membership)
    Now I need to start looking at increasing my ability to pay extra off debt and increase savings for emergencies, house etc with OH....oh the joy and stress of it all :rolleyes:

    Oh and forgot to mention already worked up 8 hours overtime. Should be some both Sat and Sun this weekend too....woo hoo!

    K xx

    :j:j:j you are doing sooooooooooo well :A
    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
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