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The 15k Paper Hat - It could be YOU!!!!!

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  • Happy Birthday Tirlittan!!!!:beer: Enjoy the dancing and the meal!

    I can only second what the others have said about survey and review sites. They're so useful if you can save up the vouchers for presents, then spend your present budget on clearing debts. I don't see any problem with the way you write on here by the way - it looks fine to me.

    Maybe you could listen to podcasts/radio/audiobooks while doing the boring sites?
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Another £100 paid in anticipation of me being paid by AQA (meagre this month) and also some work expenses that will come into my account when I am away.

    I will be very quiet when I come back from Oz as we have 5 nights accommodation to pay for when we are over there, plus spends that we didn't save for due to OH being out of work.

    Am hoping to go hard at it on AQA when I get back and get the Australia credit card paid off by the end of Feb.

    The Virgin one isn't looking too bad now, with the balance just shy of £2500. I am hoping when it goes to 0 they will offer me another 0% balance transfer and am either going to overpay on mortgage (and bring the repayments down) or overpay on the loan. The interest rate difference is not much between them.

    We also had contact from the rental agency for our property in Scotland. Apparently the rental market is not so buoyant there at the moment. They wanted £50 per month off their rent but we negotiated £35 off. They have signed up for another year so it is good to have the security of that rather than lose them and potentially get no-one for a few months.

    3 days to Oz!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    happy%20birthday%20sign.gifTirlittan - happy birthday - I will pm you with my guide to bingoport and maximising earnings! If you refer a few people too - even if they only play enough to get you the referral points it helps too!

    I've had £10 this week from bp, £5 the week b4 - but some of that is due to kind people using my referral links - and some from playing. I pretty much gave up with dooyoo!
    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
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Morning ladies!

    I had a lovely birthday. My bf made his delicious fish curry and it was so good I ate bit too much. :) The dance performance was good as well, I like to go to one now and again, the physique of the dancers is something to be admired!

    And, my present. It was a complete surprise and I wouldn't've ever guessed,even when one of the little presents could've been a bit of a giveaway...

    He bought me a brand new and spanking...


    LAPTOP!!!! :eek::D:j:j:j:j:j:j:j:D

    He's such an :A.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • tirlittan wrote: »
    Morning ladies!

    I had a lovely birthday. My bf made his delicious fish curry and it was so good I ate bit too much. :) The dance performance was good as well, I like to go to one now and again, the physique of the dancers is something to be admired!

    And, my present. It was a complete surprise and I wouldn't've ever guessed,even when one of the little presents could've been a bit of a giveaway...

    He bought me a brand new and spanking...


    LAPTOP!!!! :eek::D:j:j:j:j:j:j:j:D

    He's such an :A.


    Wow, that is such a brilliant present. So thoughtful and will really help you with your money making.

    What a great boyfriend!!! Sometimes actions speak louder than words :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    YAY for lovely bf Tirl'

    im off work again, on dr's orders and really hoping i can manage to physically do something today, yesterday spent most of it in bed so even if i can manage something like a review and packing my bag for the weekend, thats a good start
    Wealth is not measured by currency
  • Yuck - have you been getting sick or just gagging. I was mainly gagging but I thought that was worse than actually being sick.

    The hormone is obviously good and strong though!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    happy birthday tirlittan. sorry it's late. glad you had a good day yesterday though.

    i was on health and safety training yesterday. always fun. and am back in work tonight for 3 nights.

    hope you feel better soon cafc

    how is everyone else
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Yuck - have you been getting sick or just gagging. I was mainly gagging but I thought that was worse than actually being sick.

    The hormone is obviously good and strong though!

    oh i get both LOL admittedly Im heaving more than vommiting......

    smells are doing it to me a lot as well. i cant go into our kitchen because it smells, yet DH says it only smells to me.

    ive now been waiting for 3 weeks for a rescan, and noone is doing anything. ive been on at my gp, epu unit, left so many messages. If someone doesnt call me back soon im going to end up going to a private one next week. i just think this is unbelievable way to treat anyone whose pregnant, let alone someone who you'e just told has endometriosis, cysts filled with blood on her ovaries and has miscarried before...
    Wealth is not measured by currency
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    i know it's not an excuse but the early pregnancy clinics only get a very small number of appoinments each day and they are usually taken up by emergencies. i know it's awful as i went through the same waiting game but you will get an appointment. just try to relax. (i know it's hard)
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
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