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Loved life a wee bit too much!

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you manage to sort the overdraft out!
    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
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Bummer about the Car Insurance BTD - A necessary evil, but worse when it falls before Christmas.
    The good thing is that because you're organised so early, you might have some spare cash before then?
    As for chip shops - steer clear! I picked up some Mince pies this morning - then put them straight back - so I'm right there with you :D
  • penguin83
    penguin83 Posts: 4,817 Forumite
    Part of the Furniture Combo Breaker
    Hi BTD - well done on getting Christmas sorted, I have convinced myself that I am going to be lovely and organised this year too!

    My sons birthday is in March as well and I am banking on him still being into Ben 10 - although by then no doubt someone else will have come along who I have never heard of!

    x x
    Pay Debt by Xmas 16 - 0/12000
    There is something about the outside of a horse that is good for the inside of a man.
  • Hi BTD
    My o/d has grown a bit too if it's any consolation - and yes it was the MOT/school trip/pre Xmas holiday to pay for that did it. but I'm still on track with my CCs so not worrying about it - and even bought two Xmas pressies yesterday! Be strong this week - I've got to clock up some serious NSDs as I've only done 2 so far this month.....

    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
  • Hi all and thanks sholmes macgirl penguin and mrs R! Had a bad spending and eating week last week but putting that behind me!!:rolleyes: X
    November is my January dieting and being frugal!!:D
  • Only spent £1 today for raffle tickets for disabled children to have hols, so dont begrudge that.:D
    Big row about tea fund in work today some want a kitty some on there own, up to them i say:rolleyes:. i will stay in as happy with £2 per month and i have loads of coffee!!:rotfl:
    Bought little J's present from his gran today and dont ask me how but i ordered 2 @£39.99 each from amazon and not thinking it went through bought one from toys R us!!!!!!:eek: Have emailed amazon seller to cance just hope they do and not dispatch :eek:
    Silly BTD
    Hope your all well!!x
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    can you not go into your order itself to cancel?
    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
  • Hi sholmes its with a seller on amazon so had to email them typical me rushing again.x
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    :hello: Had a quick skim check. With you on the car insurance before xmas, isn't it frustrating! At least you've bought some xmas presents, I've just got some chocolates for grandparents so far!

    Hope you manage to cancel the amazon purchase x
    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
  • Hi all. I cancelled the order :j phew! Went to greggs today for staff munchy order and guess what i had every penny back no "oh dont worry keep it" malarky!:T Must be maturing mse wise!:money:
    Booked little J's party for end of feb i know its a long way off ut its booked now and i know how much i have to save!
    Hope your all having an mse day
    BTD!:D:D:D
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