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Loved life a wee bit too much!
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Thanks skint but happy for link.:D0
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You have to have a break sometime, you've got some gd deals and the way I look at it, if every minute, every penny went to debts, it would be hell on earth, a little treat, a small moment of "normal life" makes the debt free journey worth it, ok maybe a bit longer, but u appriciate it more. xxxx rip dad... we had our ups and downs but we’re always be family xx0
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Glad you had a nice time awayAchieve 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 -
Glad you enjoyed yourself, you have to spend some money enjoying yourself otherwise this journey is just made all the worse! Can't believe you are nearly ready for Christmas.....can you do my shopping for me please!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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Thanks mun2one sholmes and imd.:T. IMD i love christmas shopping and i do it all year round!
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The argos dilemma is solved tesco have sold out of the toy that was £10 cheaper anyway i am glad as it takes it out of my hands now! I cant have every bargin out there otherwise you would never buy anything in the hope it may become cheaper somewhere else!:rolleyes:
I am off this week for half term we have decorated the house for halloween and we are watching Hocus pocus, halloween town and spongebob halloween!!:rotfl:little j loving it still in his pj's eating skulls!!!
I know i have said it many times before but it really is the little things that count! He is having so much fun and it costs pennies!:T.
Bye for now BTD:D:D0 -
Oh and its my step mils b day today and i have got her kylie perfume 50ml on offer for £11.50:T.
Now before i would have thought i must make this up to twenty!
Not now its a lovely present i have wrapped it in lovely cellophane and i would love it if it were mine!!:D0 -
glad that you are getting to enjoy mse waysAchieve 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 -
well done and love the sound of your halloween prep. the bit about eating skulls made me smile - it's the simple things.....
Mrs R#Tesco 0% NIL Jan 2010
# RBS 3.9% NIL Oct 2010
# Virgin 0% £2670.92 Oct 2010
# RBS O/D NIL - repaid with redundancy pay Jan 20100 -
Hi all:xmastree:sorry about the christmas tree but i have finished my christmas shopping! (well apart from my 5 year old nephew who does not know what he wants!! He is 5 he is supposed to want everything!!!!!!) My sister promises me she will go through father christmas's toy book aka argos ;)tonight with him and let me know!!
I am glad i have finished some of it has gone on the credit card but had no choice as not enough in bank
but at least now i have finished i can concentrate on just buying absolute essentials again!
My wine will be covered with double up vouchers in November,we are going to Mil's for christmas dinner. I bought christmas crackers in January reduced from £15 to £3:T.
I also have £45 coming from a savings club in work that i started paying into before lmb:rolleyes:.
I will prob do a christmas dinner over christmas also. Got some lovely cherub gold napkins from cat bargin shop 50p!! A santa plate for little J for his christmas dinner £1..
We will have money for christmas which will go into account. Looking forward to having smellies and slippers for christmas (the simple things eh Mrs R.:rotfl:before this would have not excited me at all now i see free nice bath stuff!!:rotfl:
I am also determined that just because i have finished christmas shopping i am not going to fal into my usual trap of "oh i will just get this one little thing extra":rolleyes:. If i do see toy bargins i may but them but they will be for little J's b day in March (got some things already).
Anyhow hope your all having a mse :money:kind of day see you later
BTD.X:beer:0 -
Stop the press little nephew has decided so i have finished!!!!!!!!:j:j:j:j:xmassign:0
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