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£77,366.35 reasons to be debt free!

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  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hypno - I think your post was great

    Inapickle - I find more expensive makeup is worth it - mainly as I am less likely to be allergic to it but also because it seems to last forever - in my house nayway!

    IMD - like you I need to be job hunting.... Good luck with the applications!
    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
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi Annie
    I think your best bet would be to head over to the DFW Running Thread. There are lots of friendly people on there who will give you advice and maybe do you a plan.
    Other than that you could try the Bupa site. They have race plans for complete beginners.
    This is a sub site that is very useful too. Good luck! :) (Sorry IMD ;))
    CLICK HERE FOR TAKE TO THE STREETS
  • Annie021063
    Annie021063 Posts: 2,570 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    macgirl wrote: »
    Hi Annie
    I think your best bet would be to head over to the DFW Running Thread. There are lots of friendly people on there who will give you advice and maybe do you a plan.
    Other than that you could try the Bupa site. They have race plans for complete beginners.
    This is a sub site that is very useful too. Good luck! :) (Sorry IMD ;))
    CLICK HERE FOR TAKE TO THE STREETS
    Thanks for this, I'm heading there now.
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    edited 31 December 2009 at 12:18AM
    Thank you all, you all understand me :D

    Hypno - you are right and whilst I love my job I don't love the people I work with. So I need to find a better place to work. I always know when you worry about going into work like you did School it is time to move on!

    Macgirl - indeed here to us and 2010 and running to the target!

    IAP - agree re the makeup, I do buy expensive makeup and you are completely right about the cost of shoes, suppose it was just bad timing, and then to buy two pairs kind of freaked me out!!

    Annie - hope you start the running, it really is mentally good for you and inexpensive once you have the right trainers sorted. Try the walk/run start and before you know it you will be running for 10 mins. I have a book somewhere and I'll look it out for you.

    SH - good luck with the job hunting, it's just getting round to it!

    Had very inexpensive but productive day, finally got rid of OH who has been out with his friends on their annual do and I've had a few friends round and drank wine we already had in - had a lovely time and made me smile about how lucky I am to have such good friends. All is well with the world tonight!!!
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you all, you all understand me :D

    had a lovely time and made me smile about how lucky I am to have such good friends. All is well with the world tonight!!!
    That is lovely to hear - remember this when you are feeling on the floor - life is worth living and you have lots of real and virtual friends!:j
    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
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Glad you had a lovely evening. I hope you have a good day today and a very positive start to the new year 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)
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Lovely start to the New Year. We had a party at our house and I am now not drinking until the Marathon!!!

    Then set out on a walk with some friends, the kids and the dogs. Didn't intend to go far but ended out for over 4 hours - lovely time, stopped off for a quick drink but it really blew the cobwebs away, kids are knackered and were asking to go to bed when we got back!

    Starting the spending diary with new force - going to spend tomorrow getting sorted for school and work so Sunday can be a bit more relaxing. quite looking forward to some reality and getting back to the debt busting!
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • Nelmer
    Nelmer Posts: 214 Forumite
    IMD I'm with you. I started today by taking the tree down and starting my 'weekly' plans to get back on track weight wise and financial wise with renewed vigor!
    Natwest Card 27.06.10 (reduce every month) £267.63
    Gave up smoking 16th July 2007 :T
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Glad you have had a lovely day - and happy new year 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)
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Oooh, scarily parallel days today! 'Cept I'm not due to be Marathon running any day soon :D

    Though I will say here - I AM going for a run tomorrow! There, I've said it now, so I really have to :o

    Happy New Year, it's gonna be a goody x
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