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Like a rubber ball !
Comments
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the bathroom will be worth it when its done! All the best for work tooAchieve 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 29/7/250 -
Morning
Mmm, day doesn't bode well, woke up to two piles of 'doggy been ill in the night'.
Bathroom 75% done, should have my house back by Thursday afternoon.
Job, urgh, nuff said.
Money, v.skint, payday next week.
Christmas, have many secret lists, bought nothing. Quidco going to get some serious usage !
A thought to get the day started :
The greater the mountain, the greater the view on the other side.DC.
"Some people walk in the rain... others just get wet... " - Roger Miller0 -
I love that thought DC, very apt and soooooo true!! just think, less than 48 hours till u bathroom is actually u bathroom!! xPay £15k by Xmas10 £1478.19/£15000[STRIKE]24/07/09[/STRIKE] present - loan - £8550 overdraft#1 - [STRIKE]£2516.87[/STRIKE] £0 credit card - [STRIKE]£1210 [/STRIKE] £0TOTAL - [STRIKE]£12276.87[/STRIKE] £9133.63:T0
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ewww not a great start to the day!
Once the bathroom is finished, you will feel much more positive, just because it is clean and tidy!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)0 -
Hi DC, or as my dd would say, just two more sleeps till you have your new bathroom. Take care and have a good dayMy debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T0 -
have a good dayAchieve 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 29/7/250 -
Morning
DS2 and I went down with the nasty cough/cold that'd been doing the the rounds, fought it until Wednesday evening when we just dissolved under duvets coughing, spluttering, shivery and dizzy. We spent yesterday in the same location watching trash movies, eating satsumas ! I feel loads better today, hoping he will awake feeling more like himself.
Plumbers have finished, but there are still some minor jobs to be done, ie the floor, and bath panel after the floor, some minor paintwork. But it looks 1000 times better than it it did. Just don't want it to be one of those little jobs that drags on. House is still a mess but it can wait, not quite up to domestic goddess duties.
I have good news utility bills were even cheaper than I'd worked out due to a £15 discount from Southern Electric because I'd reduced my leccy usage. So will continue with my monitoring.
Did a full freezer inventory on Sunday. Cancelled my Tesco order and we have eaten well out of frozen left overs all week. Am pleased with my efforts in that department.
4 days to payday :jDC.
"Some people walk in the rain... others just get wet... " - Roger Miller0 -
Morning DC,
Sorry you've not been well. The only good thing about those fluey bugs, is license to have some duvet days as mentioned, completely guilt free. Trashy movies and satsumas are definitely a recipe for good health, with some chocolate thrown in, of course.
Well done on your utility bills, my DD for gas and electricity has just gone up 300% with £437.00 of arrears, took me completely by surprise, too many estimated bills and extravagance (tumble dried all summer :huh: , it was a very wet summer). Not any more though....
P.S What monitoring method do you use?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.0 -
Morning Scrooge !
Not caught up with your daily challenge for a while and you always have something on there that flicks the motivational button
300% ! Does that put the cat amongst the proverbial ? Can you change it ? I too am guilty of tumble dryer extravagance (sp?) this summer, but it seems it didn't do too much damage.
Monitoring method is nothing more than having learnt from the energy monitor Southern Electric sent. ie fan oven is very heavy on usage, I knew that but didn't realise how heavy. So I bought a remoska. And seriously turned everything off everywhere each day before leaving for work. Then just recorded weekly meter readings. I don't do DD for these bills, the idea was to put calculated amount in a savings account, but now I'm just putting the cash in a piggie.
Am very pleased it's Friday.DC.
"Some people walk in the rain... others just get wet... " - Roger Miller0 -
hi dc, glad the bathroom is coming along!
I have just switched companies, and am now monitoring my usage on a weekly basis, just taking my meter readings and making sure i dont do anything silly!! its working in the way that i am not using any more than im paying for but that not too bad!!Pay £15k by Xmas10 £1478.19/£15000[STRIKE]24/07/09[/STRIKE] present - loan - £8550 overdraft#1 - [STRIKE]£2516.87[/STRIKE] £0 credit card - [STRIKE]£1210 [/STRIKE] £0TOTAL - [STRIKE]£12276.87[/STRIKE] £9133.63:T0
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