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Loved life a wee bit too much!
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:hello: BTD! You sound very organised and i love the idea of Lunchclub, hopefully it will work out if you're all loving it!
Am tempted re the electricity thingy meter, but don't want to have to pay for it, although our bill has just gone up so might be worth investing inHow do I work out what my base rate is though? May be way to complicated for me
Debating whether to put the fire on or not and save the heating, I'm just rubbish at getting them started
Well done on speaking to your boss, always better to get things out in the open, she will probably feel embarrassed now and so she should.
I too was the open and file brigade1st 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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Hi IMD,:D been to your dairy and posted!
I have just been to morrisons and bought branton beand four pack for 79p:j. And got lamb mince for 89p reduced from £2.99:j so we are having mousakka for dinner sat!:D
Got some cadburys biscuits in a tin for offer price of £4.99! usually about £6 or £7 pounds i think so i am very pleased i went!:T.0 -
BEAT_THE_DEBT wrote: »Definatley i have prob wasted well know i have wasted loads of money over the years! My friend always said to me run your home like a buisness! I know what she means now!:D
Sounds like a good motto.
I'm better than I was....still need to take more baby steps to get there!2019 fashion on a ration 0/66 coupons0 -
Hi Jellie:D i always think its a bit like the tortoise and the hare some people throw themselves into it not spending anything then get all fed up and have a blow out a bit like dieting, i like you think that baby steps are the way forward.:D,0
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I agree with you - you have to allow some spends otherwise you just get frustrated
I'll let you know how I get on with the monitor - can always give it someone for xmas or sell it on if it doesn't work out / I get fed up of it! LOLAchieve 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 10/10/250 -
A bit miffed that argos are doing £10 off for £50 apend and £20 for a hundred after i spent £200 last week blummin typical!!:mad::mad::mad::mad::mad::mad::mad:
I am sulking!0 -
oh no hun poor you, can you not take it back get a refund and then buy it again???
I've just caught up from yesterday and you really are doing exceptionally well. You can tell when your mindset has changed when you start looking at your bills and the small print and start thinking how you can change things.
Keep smiling hun, you are my motivation!
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Hi Missy thank you so much and thank you for always taking the time to post! I cant take it back as it was a limited offer finished now i am not that miffed really as i sort of knew it was the time of year that this offer springs up i am just glad that i have the Wii for little J. Just enjoyed using the:mad: icon! Ha ha ha:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:
It takes a lot more than argos to make me taht annoyed really!:D:D:D:D:D:D:D:D:D I love theese icons!0 -
lol, you do make me laugh, I like these
:eek:
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BEAT_THE_DEBT wrote: »A bit miffed that argos are doing £10 off for £50 apend and £20 for a hundred after i spent £200 last week blummin typical!!:mad::mad::mad::mad::mad::mad::mad:
I am sulking!
Was about to say take it back....... got beaten to the post xxx rip dad... we had our ups and downs but we’re always be family xx0
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