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Loved life a wee bit too much!
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BTD - all the little changes make the big difference :j
I approach social occasions completely differently now and I am no longer embarrassed by it either, glad you had a good night out. We are allowed them every now and then.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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:rudolf:Hi all! Bit of a money blow this week car had to go in garage £260 my back end was collapasing!! But i used holiday money not on credit card!:j
Just been buying some last min bits such as serviettes and sauces etc!
Luckily DH should have bonus soon as bank looking a bit sorry for its self!!
Looking orward to Jan to get back to basic budget and min spending, sounds silly i know!:rolleyes:
Hope your all being good boys and girls for santa! (and martin:money:)
BTD.0 -
Know what you mean about looking forward to January., bonkers or what :rolleyes: I've already sorted out my January budget in anticipation for getting back onto the MSE train! Brilliant news you didn't have to use CC :j1st 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 BTD
Glad you're hanging in there - like many on here am praying for January - spending not too bad but find it all v harassing - but catching up a bit as am on own this week - just me and my dawg.....but in Jan shall be super, super frugal as new life without work (for a bit) starts at 12.01am on 01/01/2010!
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 -
mrs_robinson wrote: »Hi BTD
Glad you're hanging in there - like many on here am praying for January - spending not too bad but find it all v harassing - but catching up a bit as am on own this week - just me and my dawg.....but in Jan shall be super, super frugal as new life without work (for a bit) starts at 12.01am on 01/01/2010!
Mrs R
It's so funny how MSE'rs are hoping for Christmas to be over while everyone else can't wait for the big day itself. :rotfl:Different priorities, I guess, but it shows how dedicated people have become here. :TPlease call me 'Pickle'
No More Buying Books: ???
No More Buying DVDs: ???
NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
Proud to be dealing with her debts 1198~
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BEAT_THE_DEBT wrote: »:rudolf:Hi all! Bit of a money blow this week car had to go in garage £260 my back end was collapasing!! But i used holiday money not on credit card!:jNot nice about the car, but brill about the money
Just been buying some last min bits such as serviettes and sauces etc!
Luckily DH should have bonus soon as bank looking a bit sorry for its self!!
Looking orward to Jan to get back to basic budget and min spending, sounds silly i know!:rolleyes:
Hope your all being good boys and girls for santa! (and martin:money:)
BTD.
I know what you mean about getting back to the budget in Jan, you've got to have a treat for christmas, its a family time, time to relax and enjoy urself.
You have come such a way with the money front you've gone great guns xxxx rip dad... we had our ups and downs but we’re always be family xx0 -
Hello thanks for all your messages!:D
Been cleaning loke kim and aggie today! Even descaled the kettle and then switched it back on and broke the switch so of to argos!! Kettle i have chosen is a delonghie and it is £50 but i have learnt with kettles in the past that buy it cheap buy it twice or even three times!! This kettle lasted 5 years so not bad!!:rolleyes:
Hope tonights tele is good dont know what to do without x factor now!!
Having cava tonight nice bit of sparkle as its christmas:p.
BTDXXXXXXXXX0 -
Oooh a bit of cava sounds like a good idea - I will be lost without X Factor as well! We have some friends coming round but to be honest I'd be quite happy with a night in and early to bed!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
0 -
Nice plans for the evenings, ladies. Mum just took us all to a Toby Carvery where I had a gut-busting roast followed by sticky toffee pudding and washed down with wine. Yum!
Please call me 'Pickle'
No More Buying Books: ???
No More Buying DVDs: ???
NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
Proud to be dealing with her debts 1198~
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I am really looking forward to the break over christmas. But I am really looking forward to seeing our spending more under control come jan. All shopping excuses will be gone. someone owes me some money for some xmas pressies - and I am wondering whether I am going to get it.... pre-mse I wouldn't have been bothered - now I really am!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/260
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