📨 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!

Like a rubber ball !

1313234363784

Comments

  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Big hugs to you and yours x
    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)
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sorry to hear about your grandma - hugs to you and yours
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Morning
    I won't deny I'm struggling a bit here. Financially. Owning a car is an expensive responsibility. Paying out over £500 this month just for the privilege, and thats with cash back on insurance and getting the AA to reduce annual fee. Things are tight - again. Seems to be a recurring theme, still don't think I'm trying hard enough.


    Put the heating on last night, watching those meters and recording details weekly.

    Not much planned for the weekend which suits me.
    DC.
    "Some people walk in the rain... others just get wet... " - Roger Miller
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI DC it will get easier to plan ahead financially with time and effort. When you get chance the Make £10 a day challenge can be a real lifesaver....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Right, motivation took a dip for a couple of days. Picking myself up as there has to be downs on the way up right ?

    October/November are expensive months. I need to get a handle on it properly throughout the year. As looking at Nov, TV licence and utility bills due, well that's as expensive as October, throw in Christmas and DS2's B'day- I'm on a downward spiral for 2010.

    So no more procrastination today, that pile of stuff to be ebayed is going up. There's at least £100 sitting there cluttering up my house.

    On the positive side I've menu planned and shopped for two weeks at a cost of £160, have £20 cash for top ups. I've cut the lawns, and made inroads into decorating front room.

    The various piggys lying around that I emptied the other day they are going to be renamed ready for October next year.

    This debt isn't going to magic itself away.
    DC.
    "Some people walk in the rain... others just get wet... " - Roger Miller
  • scrooge2008
    scrooge2008 Posts: 1,382 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Right, motivation took a dip for a couple of days. Picking myself up as there has to be downs on the way up right ?.

    I'm with you on that. I think the main thing is not to give up and throw in the towel, however tempting it may be :cool:.

    Up and down days are par for the course.

    I think you or Pickle recommended a book on here called 'The Now Factor', on procrastination. Well my copy arrived a couple of weeks ago, and I have just got around to opening the package :o. Looks like it could be a good read though.

    Have a good day.
    I learned that courage was not the absence of fear, but the triumph over it. The brave man is not he who does not feel afraid, but he who conquers that fear.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sounds like you have got really organised today - well done you!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Things have to get better ! Had a negative day yesterday, seemed to run around doing everything and acheiving nothing.

    Broken equipment at work, assumptions that I will get on with it without the tools to do the job, lack of communication from the powers that be.

    Grateful to get home. Printer given up the ghost (me and printers don't get on.) Dropped and dented my remoska pan, DS2 had plateful of pasta/tomato/mozzarella/basil tripped flew across room, dinner lands on pale carpet....happy dog ! Carpet now covered in bicarb hoping for a miracle. Thankful it wasn't tonights tandoori chicken.

    Today will be a good day .
    DC.
    "Some people walk in the rain... others just get wet... " - Roger Miller
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ouch DC well your family certainly know how to do things in style!

    Hope you have had a better day!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Thanks Saving Holmes. If I didn't laugh about this I'd cry.

    Playing with snowball again. Due to total financial quagmire over the next two months have temporarily abandoned 1000 days to be debt free challange, will readjust in 2010, but for the the time being am focussing on what I can acheive. Therefore boosting progress ?

    That makes DFD Jan 2014.
    DC.
    "Some people walk in the rain... others just get wet... " - Roger Miller
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
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K 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.