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Taxis back to basics...debt and mortgage free before 50(feb 2014)

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Comments

  • se999
    se999 Posts: 2,409 Forumite
    My only thought about Edinburgh is it's so hilly, so maybe somewhere a bit flatter might be better if you've got low energy levels at the time.
  • taxi73
    taxi73 Posts: 20,815 Forumite
    That's a good point se999....that thought never crossed my mind.
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I can second what see says .... Edinburgh is hilly .... And rainy and windy .... But it is lovely honest
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    elantan wrote: »
    I can second what see says .... Edinburgh is hilly .... And rainy and windy .... But it is lovely honest

    LOL it is lovely but it is also the coldest place I have ever been! That wind!
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Have a nice day today Taxi - back to one day at a time, from the sound of it. You'll pick a spot when you're ready, I'm sure.
    2023: the year I get to buy a car
  • hypno06 wrote: »
    Similarly with your situation, you didn't ask for it, but you have the good fortune (or good foresight) to have an insurance payout coming. Use it for what it is intended for, ie to make life easier for you financially, but also use it as the beginning of the rest of your life.

    I think your plans sound just right x
    taxi73 wrote: »
    It is the beginning of the rest of my life as well...like a new start especially once my treatment is over.

    Hi all,
    I was having just this conversation last night with a friend who'd come over. We are both at 'junctions' if you like and, for our different reasons, exploring pretty major options in our lives. Now that treatment's done I could look into teaching (pros/cons/full-time / stick with supply / do i still want to? / could i get a job in any event after 18 months out? etc etc). My friend has offered me 2 days a week (office) for September/October in the run-up to their festival so that will get me into working outside the house again and test me faculties :D and will help them as someone's leaving at their busiest time. Really chuffed about that. Our personal income needs a big rethink as tax credits / benefits stop in the Autumn for the eldest.

    I decided, yesterday, that i want to do some gardening (never had the time / inclination to make time before). Not a clue where to start, other than I want to make the bit outside my kitchen window nice to look at when i'm washing up :D -North york moors / shady/gets the brunt of northeasterly wind/frosty/rainy - wish me luck:rotfl:.

    Health-wise, I've decided to make getting fitter my 'job' - certainly for the next 6 months. Mainly because i refuse to carry on thinking about losing weight / eating healthier having gone through 18 months of treatment = a bit drastic as a motivational tool and i'm not recommending it but we take what we're dealt right?:p. So, i've been mostly organic, 3 meals/2 'snacks' a day since the world cup started and lost 8lb so far. I don't always stick to it but I am aware of what i'm shovelling in these days which is the major breakthrough. Exercise has been walking - walked 10K last week in 110 minutes - soo pleased with myself. Might try running some but am worried about injuring my knees or something...the point is - it feels like I have options - I've stepped off the merry-go-round and I can do what i want... (I really need to get out more - feeling very chatty today:rotfl::rotfl: )
    taxi73 wrote: »
    Forgot to mention that I weighed myself and have lost 4lbs since last week

    Fantastic - well done! So pleased that your major money worry now revolves around what to spend it on rather than who to give it to - you really do deserve it :beer:!
    xx
    Lose The Beef Challenge :p - start 17.01.11 3.5lbs/60lbs
    Tone The Rest Challenge :A - start 17.01.11 Jan 10/14 days Feb 17/28 Mar 4/31
    Buy Less Cr*p Challenge :D - start 01.02.11 Feb £0/£300
    It's not the destination...
    .............................. ...it's the glory of the ride!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Lenza, I love the sound of that - you're listening to yourself, and thinking things through from the bottom upwards - your life truly can become what you want it to be. Lovely!
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Edinburgh is fab.
    Or Perth is lovely too & flatter.
    We could perhaps ,meet up if you co,me to Perth.
    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.
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Lenza..doing some work for your friend sounds great and will give you chance to see if you are readt yet...

    I too am going to be doing exactly the same re health...I now only eat organic and am trying to eat 3 meals 2 snacks but watch portion sizes and when am feeling better will be upping theexercise.

    I managed a walk to the corner shop and back again....so pleased with myself.

    Yet again have just been pottering about the house today ...am going to see if I can manage a walk to the bank and back tomorrow.

    Am going to put going away to the back of my mind until I have my treatment plan.

    Hope everyone has had a good day x
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Pottering is good, makes a day seem worthwhile without leaving you feeling knackered.

    How far is it to the bank?
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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