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Loved life a wee bit too much!
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Really pleased you cancelled the order :j
Even better on the Greggs front though. I have lost count of the amount of times I have said "it doesn't matter" when I'm actually thinking "My God I needed that!":eek::eek: Massive leap ahead
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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Hi IMD i am beginning to think that a lot of people in debt are of the "to kind hearted variety"! To generous!:rolleyes:0
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Certainly has been part of my problem - even now I have to resist a desire to "rescue" and help others even tho we have major debts of our own!BEAT_THE_DEBT wrote: »Hi IMD i am beginning to think that a lot of people in debt are of the "to kind hearted variety"! To generous!:rolleyes: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 10/10/250 -
Hi all feeling a bit under the weather today sore throat:mad: i am such a baby!!
Have a dental appt this pm and going to buy coffee and squash on offer in tesco and stock up as its something we use daily!:D I was also going to double p clubcard vouchers but have not found out that has stopped! I may buy clothes with my vouchers i have £58 with a gift card i have!:D
Hoping not to move on the weekend so should be a cheap one!!:rolleyes:
Bye for now have a good day all:D
BTD.XX0 -
can you not wait until tesco do the offer again as they probably will? Having said that Tesco have 20% off at the mo on clothing where I liveAchieve 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 -
BEAT_THE_DEBT wrote: »Thanks s holmes.
I am no longer going to play the game of buying new for the sake of its put me in this mess! I had a friend (so called) that commented on me wearing same top to lots of different do's as she saw photo's,(facebook):rolleyes: sad really she had so much time to notice she is not much of a friend anymore and i am afraid has been culled i now just spend my time with people who dont care what i wear! Sorry if that was a bit ranty!!:mad:.
I think that you really do find out who your friends are when you debt bust:money:.
BTD:D:D
Never a truer word said, its daft but when the cards are down, u know who ur true friends are.
Good for you re top, doesn't matter whether u wear it once or more, ask anyone and there all be doing it xxx rip dad... we had our ups and downs but we’re always be family xx0 -
BEAT_THE_DEBT wrote: »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:.....................
You could look at it both sides of the coin, yes it may of been a waste, but also the other side of the coin, look at it as a treat, it was a one-off, and every so often we all need a bit of normality,with all the debt busting.
Don't beat urself up..xxx rip dad... we had our ups and downs but we’re always be family xx0 -
Hi i have tonsilitus! yukky! Good for not spending though and diet!0
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Poor you. But am liking your positive spin on it. Enjoy x factor!
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 -
hey btd so sorry you're not feeling good, big hugs, wrap up warm and get the blankie out. I'm on the sofa with the blanky and there's nothing wrong with me lol.
keep you're chin up hun
x0
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