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Loved life a wee bit too much!
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hi btd
good luck on the dmp - hope things go okay....
Keep enjoying summer - I am certainly trying to. Me and DS are going to see JLS this week ! Can't wait!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 just checking in Aug turning out to be a financial nightmare had to tax car even though i am on dmp hub not so still have shedloads to pay.:mad:
Been away to caravan and even though we only ate out once and caravan and facilities free we still got through £210 shopping fuel icecreams etc!:eek:
I am still constantly juggling but me being on a dmp means not drowning!:o
How are you all?:)
Being very careful and using all freezer and cupboard stock my b day fri so you never know i may get some money??????:beer:
btd0 -
Hi BTD :hello:
Glad you are managing to keep you head above water - but eek to the holiday and car expenses
Happy Birthday for friday :bdaycake:0 -
:bdaycake: Happy birthday for Friday! :bdaycake: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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:)morning all!

Why i signed up for free text alerts with my balance from my bank i dont know what a lovely way to start the day not! :eek:
May enter circus with my juggling skills though ha ha:T.
On a more posotive note my diet going well even lost 2 pound on hols!!!:T I am doing weight watchers now doing this without class as cant afford it.;)
Hoping to convert tesco vouchers to have theme park day out in August.:j
Yes things are tight but life must go on!:A
See you later taking ds to a play barn thing but will feed and water him before lol!!
BTD AKA ONE SKINT MUMMA!!0 -
Hi
Dont know how I missed your post on here the other day - belated happy birthday!
CONGRATs on weight lose. I tried to do WW at home but need the weekly humilation to keep motivated. Starting with boss week after next - dreading it
You sound in good place and I am delighted
LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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Hi all:wave:i am back!!!!!!!!! The good news is we survived the financial preassure of school hols:T. I am so lucky to have a little boy and dh who loves bikes and parks. We took drinks and picnics wherever we went also.
Christmas shopping coming alond nicley.
Ok now for bad news:eek: took eye off ball a bit and dh credit card has gone over limit and we have a defult letter:eek:.(is that really bad?????
Washing machine died:eek:.
Hubby may be made redundant:eek:.
But i live dayby day spending only what we need and juggling like a circus clown!!!_pale_.
I have if possible have had a lightbulb within a lightbulb.
Debt is going down but ony cause i have paid all front loaded interest so loans are down first one ends March 2012:).
So i fight on and fall down and get up and just keep breathing.
BTD0 -
Ah, BTD! Was wondering this afternoon how you are doing, so it's fab to see your post. September always feels like a new start, doesn't it? It sounds like a tough road you're on and a long haul - but you're doing it - and you're still here - and you will get there - so well done on sticking with it.
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 Mrs R.xx Menu planning with a vengence back out with the fine toothcomb!!!xxxxxxxxx0
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