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Loved life a wee bit too much!
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Hi BTD - think everyone finds January such a hard time as it seems sooooo long waiting for the next salary.
We have the heating on a thermostat - is that a bad thing??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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Heating on the thermostat sounds sensible!
BTD- well done on getting to pay day with the £40 remaining!2019 fashion on a ration 0/66 coupons0 -
Glad your £40 is still intact - really well done you!
IMD - normally heating on continuously - very bad thing from a bill perspective - right now where we live it was -12 last night and even coming home tonight it was -9.5 so I think the heating can be deemed a necessary expense this monthAchieve 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 -
SH - definitely an expense you can justify, just wondered whether I should keep heating on all night to avoid frozen pipes, may leave them on tonight just in case!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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:snow_laugAnother day snowed in!! Good job i have £170 credit with the gas i am so glad i left it and did not request it back! Loving my toast at the moment and very cheap too!!
I have not been very good mse i need a kick uo the rear guys! I bought a bottle of perfume £20 good deal though it was a friends unwanted present armani diamonds my fave! And yest i drew £10 to have cooked lunch up the canteen ! Spent £4 as i bought diet coke also!!:rolleyes:
I am hoping to get on wii fit after when i can get ds and dh off it!!
See you later!
BTD0 -
BEAT_THE_DEBT wrote: »:snow_laugAnother day snowed in!! Good job i have £170 credit with the gas i am so glad i left it and did not request it back! Loving my toast at the moment and very cheap too!!
I have not been very good mse i need a kick uo the rear guys! I bought a bottle of perfume £20 good deal though it was a friends unwanted present armani diamonds my fave! And yest i drew £10 to have cooked lunch up the canteen ! Spent £4 as i bought diet coke also!!:rolleyes:
I am hoping to get on wii fit after when i can get ds and dh off it!!
See you later!
BTD
Well, I think we can forgive you if you don't do it again.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 and Happy 2010. Just catching up on my fave diaries now DSs are finally back to school. Yours I like because you are human and falliable!
So don't worry too much about what you spent on the perfume and lunch, but def resolve not to do it again or it will set you back - you don't want to struggle at the end of the month, so maybe try to enjoy the feeling of being strong in the face of temptation, set yourself a challenge to make that £30 back somehow, etc.
One of my favourite quotes is by Kate Moss (unlikely I know) about weight, but I think it applies equally to all things MSE and debt busting - "nothing tastes as good as thin feels".
Onwards and upwards
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 -
Thanks Pickle. And Hi Mrs R thanks for popping by i will be off to your thread soon!:D
Well as the snow starts to thaw i decided to do spring cleaning! And in a house which i consider clean anyway i had three bags of rubbish old paperwork etc and used lots of bleach!!:D Its so true tidy house tidy mind!
I have also been on my paperwork case i had a refund from next for flowers which i had delivered for a friends b day result they were very dissapointing i nearly cried when i saw them!:mad:
I had £7.50 refunded to my bank from studio as it was sitting in credit and i was not going to buy something for the sake of it!! Shopped around for two books i wanted and got them both £3 cheaper!:D
Also started moisturising and sorting my feet for summer!!! Oh and been on wii fit did 2020 steps and 10 mins jogging!:D
Very productive day!
See you all soon
BTD0 -
glad youve had some money backAchieve 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 -
Spring cleaning in Winter.....you've lost it now
Bet you feel great for doing it!2019 fashion on a ration 0/66 coupons0
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