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£77,366.35 reasons to be debt free!

16263656768178

Comments

  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    I am keeping mouth shut for now and just trying to reign him in on the more ambitious plan he has for the project. He wants to box something in that could just be painted so maybe if I can suggest cutbacks instead of stopping everything. I do want him to improve the house, just not break the bank.

    My husband in B&Q is like me in Next :rolleyes:

    The settee is good .....
    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: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi IMD just sit back and relax - some things are unstoppable!
    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
    Mmmmm risotto and chocolate cake - my ideal meal!!!
    Thanks for the soup tips, I'll make some later in the week (thought I'd stumbled onto and OS thread for a minute! :D)

    No sadly no run :o. We have loads more snow now, so that wiped today out too. I will get back into it though....
    When does the GNR open for applications? Must be soon. I could do with that to kick start me.

    Enjoy your chill out and hope work's not too bad this week :)
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I entered the GNR ballot today via an email......
    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
    Actually entered or pre-registered?
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    I think I have a place in GNR - I got a charity place and raised the money but then couldn't do it as I was injured and so deferred to 2009 - then had to defer in 2009 so hopefully I have a place this year :confused: Will enter the Manchester 10k as I have always done it and want to beat last years time.

    Macgirl - get some soup made. I've brought in carrot and coriander in but put too much coriander in so it is quite curry-like! Fresh fruit salad and a snack bar. Good me :D

    SH - I think you are right, he is being unstoppable and I should appreciate it and maybe for things like this we need to de-stress...

    Hypno - hope your Amazon listing went from strength to strength!

    Back in work, day not started brilliantly as train late, -6 and had to stand in it for 45 mins :grouphug: (that's me feeling cold and needing warming up and not having a 3some at some dodgy train station!) Forgotten my gloves and I was nearly in tears due to numb feet and gloves - have a 25 min walk to work from the other train station so had to buy some socks and gloves at the cost of £11 as it was all I could find :eek: The socks are actually bed socks I was that cold and reduced from £12.50 to £4 and the gloves are proper thermal ones so will last - but still not a good start!!

    Couldn't sleep last night because I was worrying about work and now I'm sat here and deciding why I stress - but people are funny aren't they? Boss not in yet and then atmosphere will change I guess.....

    Right, off for a :coffee: to warm up the cockles of my heart :D
    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
  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope your cockles are warm. Boo to the train being late.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    macgirl wrote: »
    Actually entered or pre-registered?

    actually entered.....
    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: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi IMD sorry it was so cold while you were waiting outside - better safe than sorry on the gloves and socks tho.... It is unbelieveably cold at the mo
    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
    Brrrrr! I remember the icy numbness and biting wind when I used to get the train to the city. Ouch.
    This morning I couldn't get the car doors open as they were frozen. Managed to get in and get to work (out of town now - hence the necessity for a car). It was then -8 :eek: Got there and car doors froze again - this time I was in the car. So nearly broke my shoulder trying to get out :rolleyes:

    Hope work was ok. I got an email from Bupa this morning telling me about the ballot, so I have entered too :o
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