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Loved life a wee bit too much!

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Comments

  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    OK forget avon as was household (roomspary) on offer:D and stocking filler. What i waste was s/wich and crisps and choc bar as thankyou=
    £5 Chipshop £3.95 Cookies £3.50 = £12.50 wasted!:mad:.
    Ok pick myself up etc:rolleyes:.....................
  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Sorry me again! On the plus side i have deffered three nights out Saving min £85. I quite enjoy saying no and then feeling smug staying in at how much money i have saved:A:A:A
  • missymoo81
    missymoo81 Posts: 8,034 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    lol I do that!!! me and OH stay in a lot and have really enjoyed our nights in... I too find myself being a bit smug.

    LOL if I could cut my debit card up I would but thats never gonna happen.

    x
  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    I get so pleased when i see another meal or night out i can say no to!!! sad!:rotfl:Funny i can be so strong when i want to be!!:rolleyes:
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi beatthedebt - remember that your username is beat the debt not beat self up. You will come through this. Meal plan, meal plan, meal plan - that is what saves us from too much temptation but we give in sometimes too - part of life!
    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
  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Thanks savingholmes. Thats the other confession i had homemade sweet and sour in micro waiting for me!!!:doh:
  • missymoo81
    missymoo81 Posts: 8,034 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    whoops, nevermind everyone has off days hun, would love fish and chips today...
  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Hi all. Just done three hours wrapping christmas presents and still ahve to do three hampers (wrap them).:T
    A work night out which i was going to attend fell through today shame eh?:rotfl:
    I found three recipts in tesco and claime dthe unclaimed points 64 points! Think this is called wombelling!:D Bonus!
    I am going to double up my vouchers on clothes i have £25 so i will have £50 to spend on clothes!:D.
    BTD
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    oh well btd. I rang OH on my way home with instructions for tea which he completely ignored until i had a strop when I got home just before 7! I very nearly marched out the house with kids to the nearest pub - but thought of mse and resisted!
    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
  • mrs_robinson_3
    mrs_robinson_3 Posts: 488 Forumite
    Hello BTD. Most of us on here used to spend A LOT, without thinking, and now sometimes we spend a bit, but not like we used to. You are obviously a generous person, so you wanted to spend the money on the nibbles for the office. That's nice, and it's good karma, and then it came back, you found the Tesco receipts. Good for you. It's hard to change the spending habit, but gradually, we'll get there. Keep doing what you're doing, even with this little slip it's a fraction of what it might have been in the past. But try to avoid that chip shop - you know you deserve better! Sorry, am a figure nazi too.

    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 2010
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