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£77,366.35 reasons to be debt free!

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  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Where are you IMD ?! Must be out running :rolleyes: Well, I spent my £34 today and entered! :o
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    I'm here!!!!!!!!!!!!!!

    I've been trying to hide in a cupboard away from my children and husband :eek::eek::eek: Nearly three weeks with them is now enough - ENOUGH!!!

    Really hoping I can go back to work tomorrow just for a change of scenery, even if it's only for half a day. I'm having to entertain the kids during the day and do all my work at night so quite knackered.

    Was doing well money wise but needed some stuff and ended up going to the Butchers and buying nice meat, storage tins etc etc :rolleyes: so spent £25 today but I think it was ok stuff!

    Yes Macgirl - you are completely right I have been out running. Did some speed work on the treadmill and I too have parted with £34 today so see you there :j:j Lot of money though isn't it!!

    Will go catch up with everyone and then have to get on with my "working from home" job!
    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
    Good luck with the running - I couldn't be more different.never ever been into sport, running, whatever! Really need to get fit this year tho - but my knee is still plaguing me from my fall in December so still not able to do anything about it
    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
    SH, I was never into sport either. Can't throw a ball in a straight line - or catch one! So never got picked for any teams :o Then I went and married someone who had been the school sports captain :rolleyes:

    The only things I can do (just) are individual, as I'm not in the least bit competitive in a sporting sense. I can ski a bit, though haven't been for years. I've always loved watching sports, especially athletics and running events. Then, when I was on maternity leave with my first DD, I watched the Great North Run on TV and thought how much I would love to be able to do it and what an amazing sense of achievement - so on a whim I applied and got a place! :eek: At that point I couldn't run more than 100 yds without stopping and hyperventilating!!!

    I kept at it, only because I didn't want to make a fool of myself. Each day I ran for slightly longer until I could go around the block without stopping. When I hit that, it felt like a major milestone - it was probably less than half a mile! A friend's husband said to me "If you can run for half an hour, you can run all day", so that was my next aim. Eventually I was up to 8 miles and discovered that I really loved the solitude and mental peace that running gave me.

    Then just as I was upping the milage I got pregnant for a second time, so had to abandon the GNR :( My midwife said I could still run, but more slowly and not as far. I was really disappointed, but proud that I had become "a runner" :j
    Due to work/family time pressures, I don't go regularly now but do need to, so I decided the only way to get back into it, was to enter some races and have goals, then I WILL go out.
    I am a plodder though, no way near the level of IMD (I might have to tie her laces together in Manchester :D)
    Running might not be it for you, but how about swimming? It would take the pressure off your knee. Maybe we could start our joint missions next week! :)
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Hi girlies......how's things this fine Friday afternoon :confused:
    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
    hypno06 wrote: »
    Hi girlies......how's things this fine Friday afternoon :confused:

    Cold and pesky!
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Pesky? Do tell us more!!
    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
    Too boring to go into - I just like that word :D
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi macgirl have been considering swimming - but too cold right now
    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
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    hi macgirl have been considering swimming - but too cold right now

    33821-Clipart-Illustration-Of-A-Cold-Penguin-Mascot-Cartoon-Character-In-A-Hat-And-Scarf-Shivering-And-Surrounded-By-Blocks-Of-Ice.jpg
    oooooh much too cold to go swimming!!

    I am fine and dandy today :) Finally got into work and it wasn't as bad as I have been thinking, or maybe I was in a more positive mood :confused:

    Best of all is that I had a NSD :j:j:j bad side is OH has gone to B&Q to complete his little DIY job :rolleyes: - hopefully he won't spend much but he was very excited about his purchases and even took DD with him.......she wasn't so keen!

    I am now sat watching Eastenders, just me and DS cuddling up and thinking what chocolate I deserve. Lost 4lbs in weight this week :j - have really tried hard, cut out alcohol, exercised more and cut back - therefore I deserve chocolate!

    Planning my running for Sunday morning and got a 13 miler planner through fields of snow, will try and do something at the gym tomorrow. May have to spend some money tomorrow as we need food so will try Tesco online.

    I bought the kids the Mario game for xmas but got it for the DS and not the Wii :mad:, can't find my receipt to take it back and they really want the Wii game. I've got a £15 discount voucher for Tesco Direct and have agreed with kids that I'll order them the Wii game and they have volunteered two DS games to put on ebay or amazon to make up the difference so good negotiation :D Also got some clothes of DS to put on ebay!

    Really don't like Shirley on Eastender.........
    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
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