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Hypno's approach to life, the universe and debtbusting.....

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well I am back already without new car as when I'd driven 25 miles they rang me to say it wasn't ready yet as when they MOT'd it another fault had shown up. Irritating but I am pleased they bothered to tell me and that they are fixing it at their expense... So cos DS has a school play tomorrow won't get my new brum brum (04 plate) until Thursday (boo hoo) - just hope nothing drops off my car in the meantime!

    I think I will soon get the record for the quickest spender of my money as.... we had already booked to see harry potter tomorrow - and we will want popcorn and drinks which I know already would be around £12! I could of course say that was out of OH's money to get round that little difficulty (tra la la la la)

    Actual spend this week
    £5.06 lipstick
    £35 petrol
    £34 grocery top up (mostly bargains of course)
    £22 haircut
    £5.50 meal out!!!! EEK EEK EEK
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    PS

    runs and hides
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    PS

    runs and hides

    And so you should :rolleyes:

    But we will always find you......eventually :cool:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Surfbabe
    Surfbabe Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Afternoon - nothing to report - DS now has rash on inner elbows!!! Glad the op went well KC. Well done on eating cardboard Hypno.

    Only spent 1.27 on paracetamol for DS and a bag of crisps (hides quickly) for me. so have £18.73 left.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    My £20 is intact - the only time I went out of the house was to walk to my colleague's for a meetup, no spends - and we're getting heavy showers of rain now too, doesn't encourage me to go out. I might try to do some flapjacks - ones with a nice flavour, like coconut or something. Hopefully I've got the energy.

    Thanks again for all the good wishes :kisses3::kisses3::kisses3: mum2one, beanie, savingholmes, taka, Surfbabe - she's home now, my brother's doing some bits of shopping for her (he was a househusband in his younger days!).
    2023: the year I get to buy a car
  • urg123
    urg123 Posts: 1,997 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Evening all

    I am a bit narked! I ended up spending 90p on a drink that was going to be bought by someone else. Then I get 2 x £2 coins in the change - £2 coins cannot be spent and MUST go in the sealed tin!!!

    What to do? I think I am going to swap the £2 coins for £1 coins that is my milk money for the fortnight and put the £2 coins in the sealed tin.

    That still leaves me with £19.10.

    Oh well - it is making me think about how I 'fritter' money so easily.

    catch up soon.

    urg x x

  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    urg123 wrote: »

    Oh well - it is making me think about how I 'fritter' money so easily.


    ...and that is really what this is all about - making us think about where our money is going, and what we can or can't do to change it and make it go a bit further!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    My £20 is still intact but I have spent £2.69 of it :rotfl:

    I bought some pistachios and BOGOF cupcakes as part of shopping but they are for treats and therefore out of the 20 but seeing as I paid for it all on my cashback card. Does that make sense:confused:

    So aiming for my shiny crisp twenty to be a reminder of staying on the straight and narrow for a while!
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I'm declaring a NSD today.

    I am also declaring that I am shattered. I feel as though I have hit a brick wall again. I hate it when it happens, and it happens too frequently :mad:

    Well done to all who are still in possession of at least some of their £20 - day 2 and counting :T
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • I have had brick wall shattered moments this week too, so can sympathise Hypno. Well done on the NSD too.
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
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