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£77,366.35 reasons to be debt free!

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Comments

  • Nelmer
    Nelmer Posts: 214 Forumite
    In_my_dreams wrote: »
    OH assisting on the tricky buts. Even did the scary parts !!!

    Well done IMD....I haven't had the courage to do this myself or ask DH to help......£18 a month still being wasted in MSE terms!
    Natwest Card 27.06.10 (reduce every month) £267.63
    Gave up smoking 16th July 2007 :T
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Nelmer wrote: »
    Well done IMD....I haven't had the courage to do this myself or ask DH to help......£18 a month still being wasted in MSE terms!

    I don't have another half, but I cannot EVER imagine getting him to help, well, y'know! :o And that results in a total of £45 every time I go to the beauticians! :eek: I'm planning to do a waxing course to go with my nail course so that I can 'skill swap' with other people: if that's all I ever do with it, and if I never make any actualy £ with the skill, it will still save me a fortune!
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P    roud to be dealing with her debts 1198~
  • Nelmer
    Nelmer Posts: 214 Forumite
    Where are you based InaPickle......i'm sure I can find something to 'skill swap' with you!!!
    Natwest Card 27.06.10 (reduce every month) £267.63
    Gave up smoking 16th July 2007 :T
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    wow sounds expensive - another thing I have managed to avoid. If OH ever complained - I would clock him one!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Nelmer wrote: »
    Where are you based InaPickle......i'm sure I can find something to 'skill swap' with you!!!

    Manchester, alas: it's a bit far from where you are. :(
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P    roud to be dealing with her debts 1198~
  • Nelmer
    Nelmer Posts: 214 Forumite
    InaPickle wrote: »
    Manchester, alas: it's a bit far from where you are. :(
    :(:(:( Rubbish!
    Natwest Card 27.06.10 (reduce every month) £267.63
    Gave up smoking 16th July 2007 :T
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Nelmer wrote: »
    :(:(:( Rubbish!

    I know! :(:(:(

    (Sorry for the thread-hijack, BTW! :o)
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P    roud to be dealing with her debts 1198~
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    DIY waxing is something I've been doing to cost cut. The legs aren't too difficult - and strangely satisfying :rotfl:,
    But DIY bikini line is dicing with danger! The last time I attempted it, I was black and blue :eek:
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    I would recommend a trim in the area first and then hold tight and off you go :o:rotfl::rotfl::rotfl:

    I was quite excited about my cost cutting :) Busy ebaying hence quietness.....
    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
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    macgirl wrote: »
    DIY waxing is something I've been doing to cost cut. The legs aren't too difficult - and strangely satisfying :rotfl:,
    But DIY bikini line is dicing with danger! The last time I attempted it, I was black and blue :eek:

    Yup, legs aren't too bad, but there's no way I would attempt anything above the knee. :eek: And those stupid wax strips wouldn't wax a dandelion: I need professional strength (lucky I can get it!) ;)
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P    roud to be dealing with her debts 1198~
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