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£77,366.35 reasons to be debt free!

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Comments

  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    So nice to wake up to encouraging posts :)

    I really hope the ebay thing works out, I know it's a risk but it might also be lucrative so will give it my best shot!

    The stress continues, up at 6am to sort everything out then MIL calls, she is stuck in middle of road in the ice/snow. Spent ages trying to move the car but could only move it to a safe place. She was really upset so had to calm her down. On train to work now so going to be late but now worrying about them all walking to school as paths and roads are really really icy! Feel bad that she has to do it. Then OH calls from his hotel :mad:

    Hoping day improves :)
    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
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Aww, hope the day has improved. :)

    Buying and selling is a gamble, but anything like that is....

    When I get paid I have a plan to make and sell something, so that will mean an initial outlay, that I may not get back. But if I do, the profit margin is potentially high....

    As long as we don't put all our eggs in one basket and don't have delusions of "Get Rich Quick", then the best we can aim for is to make the money back, but nothing ventured.....:confused:
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    My thoughts exactly! Not expecting a get rich quick scheme, even if I make the money back it's a bonus but I will see what happens!

    My day did improve but the roads here are just so icy and a bit more snow - am so bored of all this now.

    Good news is that Barclaycard increased my limit, I have a LOB rate with them so I can move over some debt from an interest paying card and therefore saving money :j
    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
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I'm glad your day improved.....and yay to the increased balance transfer.

    :T
    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)
  • Have a good day IMD!
    Emergency Savings Fund - £1100
    2015 Mortgage overpayments = £
  • Morning :D Got up extra early this morning and did all the housework - even cleaned the windows :eek:, kids now at school and I am sat at my desk at home ready to work - absolute miracle!

    Forgot to announce yesterday that whilst I didn't have a NSD yesterday I did only spend £1 :j:j

    Was planning to go for a run this lunchtime but the pavements are hazardous and I'm wondering how sensible an idea it is?

    Going to do some work and then ring Barclaycard to shift some balances around. Had a look at online banking, we are doing brilliant with our budget this week having spent about £23 out of £70 and that is £20 that OH took out of the bank so am really pleased :D

    Have a good day everyone
    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
  • miemie
    miemie Posts: 646 Forumite
    Wow get you cleaning your windows fiirst thing this morning:D.
    well done with the budgeting you really are doing fab.
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi imd let us know how you get on with ebay.... I really need to learn how to sell on it - never have yet - never directly bought from it either. Am in process at last of setting up my paypal as that seems the place to start
    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
    doing all the housework before work.....including the windows :eek::eek::eek:
    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
    hypno06 wrote: »
    doing all the housework before work.....including the windows :eek::eek::eek:

    Outrageous isn't it!

    Another NSD :j:j:j
    6 miles run :j:j:j
    Work done :j:j:j

    All in all a good day :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
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