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Loved life a wee bit too much!
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I always find it a struggle in Jan. I think it's partly because I'm paid early in December and it seem an age until the Jan pay day!
I know - you have to plot and plan very carefully! :rolleyes: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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Hi BTD keep up the good work... 2010 feels like a positive year for us all :jMarried 1st October 2015:heartpuls
1st Baby due June 2016 :happylove0 -
Your doing well, look at the £40 close to OD limit as a positive, all the bills have been paid, you've got through New Year and Christmas, and yes ur in OD but you haven't gone over it. So fingers crossed, you should still have the £40 gap, so this month, plan ur spending as if the £40 wasn't there (say you had 1k od, now £960). Then carry the £960 as the ODfigure. xxxx rip dad... we had our ups and downs but we’re always be family xx0
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hey hun how are you?
Sorry I haven't popped by for such a long time, will catch up with your diary as soon as I can and will post properly, have missed all your lovely words of encouragement.
Keep smiling
Missy x0 -
hi btd - hope you are doing well. Can be hard to get started in Jan - especially with all this snow!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 -
I'm not looking forward to the fuel bills heading our way! We've decided that with my dodgy health if it's cold the heating gets topped up.
How are you going on that £40?2019 fashion on a ration 0/66 coupons0 -
We've left our heating on all day and night as it is more likely to freeze and burst if it gets turned off overnight. Makes getting up in a morning easier too! Hopefully it won't have too much impact over the year (we pay by DD).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 -
We're doing the same- keeping thermostat quite low and then using a couple of heater units on thermostat to keep the living room or bedroom at a reasonable temperature depending on where we are.
Our new heated blanket is making a big difference too!2019 fashion on a ration 0/66 coupons0 -
Hi all thanks for all your post's we have a nie little group going! £40 still intact, pay day tom and child benifit and tax credit on tues so all ok.
Our heating is on low 24/7 think its better than blasting it up high for short spells! Living room toasty and bedrooms kitchen bit cold but obviously when cooking warms up!
Keep warm enjoy any snow days you may be having.
BTD0 -
Hi BTD, just having a catch up. Happy New Year, hope you are not too snowed in there! x x xPay Debt by Xmas 16 - 0/12000
There is something about the outside of a horse that is good for the inside of a man.0
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