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Need to face the Music

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  • beanielou
    beanielou Posts: 95,614 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy Indian :)
    Will miss you tomorrow :(
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Awww thanks Beanie, maybe next time xx

    Have a brilliant day :beer:
    But these things take time, I know that I'm, the most inept that ever stepped.
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    I should do an update.......

    Signed up to the Mortgage free in 3 (Take 2) challenge which starts on 12/12/09 and ends 12/12/12........hopefully by then the mortgage will be gone:j

    To achieve this I need to attack things from all areas which will include
    • Drawing up a budget and sticking to it (sounds simple but I usually fall at this hurdle every time:o)
    • Going back through every spend and make sure we are getting the best deal
    • Make all presents in 2010 money neutral through surveys, mystery shopping, matched betting, Selling and freebies.
    • Make 2011/2012 holidays money neutral by collecting maximum clubcard points.
    I really need to focus on this one as its a biggy........I can do it!!
    But these things take time, I know that I'm, the most inept that ever stepped.
  • Ellidee
    Ellidee Posts: 6,216 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Whoo hoo Lou - you go girl ! XX
    Nothing is so fatiguing as the eternal hanging on of an uncompleted task. William James
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Thanks Ellie, I am going to need plenty of encouragement, especially when the initial flush of enthusiasm has worn off:o

    Just ordered this for my Brother off the low spend board, free book of the day just pay for postage;)

    http://forums.moneysavingexpert.com/showthread.html?t=2127931
    But these things take time, I know that I'm, the most inept that ever stepped.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OOO Lou I am so excited for you!

    that is a brilliant plan! I am going to be debt free next year and saving for a deposit so Iwill join you in the crazy plans xxxxx
    Nevertheless she persisted.
  • skint_spice
    skint_spice Posts: 13,418 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Looks very Viz Lou!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    skint_spice wrote: »
    Looks very Viz Lou!

    I hope he will like it, he does like a bargain.....when we visited him in London we went to a street full of Indian restaurants he haggled a deal where all of us ate for under £7 a head including drinks:rotfl:

    He also grows all his own veg and keeps garden hens for eggs so I am hoping it will be just him. I think adult men are so difficult to buy for.
    But these things take time, I know that I'm, the most inept that ever stepped.
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Buffythedebtslayer wrote: »
    OOO Lou I am so excited for you!

    that is a brilliant plan! I am going to be debt free next year and saving for a deposit so Iwill join you in the crazy plans xxxxx

    Yep, always need a bit company in the nut house Buffy:D

    I will get you matched betting..............mwahhhh!!!
    But these things take time, I know that I'm, the most inept that ever stepped.
  • skint_spice
    skint_spice Posts: 13,418 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    LouiseJ wrote: »
    He also grows all his own veg and keeps garden hens for eggs so I am hoping it will be just him. I think adult men are so difficult to buy for.

    Part of my bros pressie is a book entitled "is it just me or is everything shiiit?":D
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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