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£77,366.35 reasons to be debt free!

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  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Thank you *grabbing jaffa cakes with both hands* - have you got Dirty Dancing though instead......

    Yup........:D
    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)
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    I think I should get all my toiletries out and see how I can make do!

    Nothing much to report financially, I've hardly spent anything. Still to have a "formal" sit down with OH with my spreadsheet and budget but the kids are away next week so I'm going to do it properly for full effect. He is aware how annoyed/stressed I've been about the whole expenses incident.

    Mega stressful day at work and came home to more child associated stress with a battle between kids and grandparent :mad: Not what I need as I have a difficult situation to deal with, as to which one to believe. Wish I could say more but paranoid someone "knows" me on here. Just so frustrating as I want to believe my kids but that would make life difficult - aaarrrrrgghhhhhhhhhhhhh!

    Poor IMD! :(

    Well done on such low spends. I have been an absolute MONSTER this month, hence me wanting to 'adopt' your spreadsheet to help me next month (hint, hint, cheeky wink! ;)). And I'm glad to see that you will be having a 'sit down' with OH to help sort out your situation: it might take a bit of 'getting through' at the minute, but it will be SOOO worth it in the end! :D

    And as for the grandparent/children, and not being sure as to whether or not someone 'knows' you, I know exactly what you mean. I am half-afraid that I may have opened my mouth too widely on my thread a few times! :eek: (A bit of retrospective deleting, perhaps?!)

    Well done as you ARE getting there: just get these niggles ironed out and keep going. :) x
    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~

  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hugs imd - families - never easy!
    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
  • chops22
    chops22 Posts: 650 Forumite
    I too feel the paranoia of the knowing!!!

    Hope your ok, and that the kids are too. I think in regard to who to beleive go with your instincts. Sorry I have nothing bettern x
    LBM Total: £33356 15/11/09 :eek: £6085.63 paid
    Pay off 10% by March 2010 (3336) yes!!!:j
    Pay 19k by Dec 2010 19000/5732.39 30.12%
    DFW Long haulers #198.
    23/40lbs
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I'm sure no-one would know you - don't stress that one.

    Please watch Mad Men tonight at 10pm Beeb 4 - honestly the sight of Mr Dream boat himself, Don Draper will melt away your stress! Chest pain is something you DON'T need.

    ****Breathe****And relax xxx
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Its hard to know whether to intervene or not isn't it. I am sure everyone will cope though. I know that I have often made the wrong call when looking after my own kids let alone anyone elses! My main rule is to apologise to mine if I later realise that I could have done things differently or even (shock horror) I was the one in the wrong! Its tiring and stressful doing child care and maybe tomorrow everyone can move on...hope so anyway and nothing permanent is broken.

    Hugs IMD
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • Well if I go with my gut, it's the kids and it's a discipline issue which I'm really upset about :(

    IAP - will email you that spreadsheet this weekend, just need to tweak it a little and explain it to you. I do love it though, it calculates everything for you :D Anyone else??

    OH put Mad Men on last night but I fell asleep, never watched it, is it too late to get into it - maybe I could catch up on it somewhere? Going to go to bed shortly with a cup of tea and a packet (yes a whole! one) and watch TV. Just dragged all my belongings down for a 4.30am start tomorrow :eek: Flying with Flybe as well, who are the scariest people as we fly in a propellor type aircraft - really not good for the nerves!

    Wonder if chest pain is stress. Headache above my eyebrow as well - bizarre!

    By the way, ebay going well, seem to be making about £25 a day and nearly repaid the original money I used to buy things so all 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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Tee hee. I have been on one of those FlyBe flghts..I always assume I will be serving the drinks!

    Can't beat you on early start tomorrow though - I will only be at the airport at 6am!

    Have fun and don't spend too much at the airport outlets!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • Nelmer
    Nelmer Posts: 214 Forumite
    IAP - will email you that spreadsheet this weekend, just need to tweak it a little and explain it to you. I do love it though, it calculates everything for you :D Anyone else??

    Yes please !!!
    Natwest Card 27.06.10 (reduce every month) £267.63
    Gave up smoking 16th July 2007 :T
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Well if I go with my gut, it's the kids and it's a discipline issue which I'm really upset about :(

    Just dragged all my belongings down for a 4.30am start tomorrow :eek: Flying with Flybe as well, who are the scariest people as we fly in a propellor type aircraft - really not good for the nerves!

    Wonder if chest pain is stress. Headache above my eyebrow as well - bizarre!

    By the way, ebay going well, seem to be making about £25 a day and nearly repaid the original money I used to buy things so all good :)

    That is GREAT news on Ebay, you really have worked hard and deserve the fruits of your labour. You will start to see that sig coming down rapidly soon.

    I'm no doctor, but it wouldn't be a surprise if your chest pain was stress.
    I've had it myself a few times and I just think "WHOA - chill out" Easier said than done I know.

    Sorry to hear things are bad, just look forward to the weekend and next week. A long slow exhale will help relax you and reduce the stress.

    Take care hun :)
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