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  • CosmoCat
    CosmoCat Posts: 681 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    well done to you for all the wonderful progress you are making.

    your sig also made me laugh!:D
    MFW Newbie - #17. (#116 in 2019)
    New Mortgage at Nov 19 - £273 499
    Current Balance - £268 225
    Want to cut down 26 year mortgage by 9 years!
    New MF date 2036 :dance:
  • why does my sig make you laugh? what part? lol
  • LookingAhead
    LookingAhead Posts: 4,633 Forumite
    I love your signature too.....I just had to read it out to my boyfriend as it cracked me up. "The naff off" bit of course!

    Well done on your progress as well....you're almost over the line! :j :j
    Bank Balance: In the black for the moment.
    Sainsburys Loan: Cleared July 2010
    Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
  • I love your signature too.....I just had to read it out to my boyfriend as it cracked me up. "The naff off" bit of course!

    great isnt it, thats how i feel most days lol, typical isnt it :)

    more ebay cheques arrived today so it looks like i have to make a decison, it will be (once cleared) £28.39 (although i have more to come). Now i have to decide do i pay it against the 'mum' debt or do i spend it on a treat (bedside table £19.99) :confused: any ideas? i really want this debt gone but at the momment i am spending nothing or very little (but saying this i am going out tommorow £8 (approx) and i am buying some sandpaper, dye and paint brushes today £5 (approx)) so what would you do? :confused: someone give me a kick and tell me to pay it against my 'mum' debt ;)
  • Kevicho
    Kevicho Posts: 3,216 Forumite
    Do you NEED a bedside table?

    Will the world stop turning if you dont have one ;)

    thats what i tell myself everytime i WANT something, and eventually common sense takes over

    Occasional treats are good, if you think of it as a reward for your excellent progress, but then again i think once you start spending again saying no to yourself becomes harder

    Leave it a fortnight before deciding what you will spend the money on

    Plus think of your poor mum and the money you owe her (guilt trip)
  • Kevicho wrote:
    Do you NEED a bedside table?
    Plus think of your poor mum and the money you owe her (guilt trip)

    hi kev, no i dont need a bedside table, i am using my mums at the momment (has fish tank on it) no i have decided i am going to pay my mum, once i am debt free then i will start thinking about buying things for me again, also i am going out tommorow (may even pay for my mums and her ohs admission too) so i think i will not get the table :D off to the bank on monday to pay the two bills :j cant wait :D
  • domestic_goddess
    domestic_goddess Posts: 1,044 Forumite
    Good choice about the bedside table.

    ps your sig is vereeeeeeeeeeee funny
  • LookingAhead
    LookingAhead Posts: 4,633 Forumite
    I think you did the right thing by deciding to pay your Mum too.
    As you say, once you are debt free then you can buy yourself things (still looking for bargains of course! ;) ) and you can do it worry/guilt free.
    Bank Balance: In the black for the moment.
    Sainsburys Loan: Cleared July 2010
    Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
  • another small update :p today i paid some of my debts off :j i payed £70.38 from cc2 and £270.00 from cc1. The reason i didnt pay it all off is i had to send the ebay items and of course that costed some money :rolleyes: but i have just banked £149.49 worth of cheques with will clear cc1 and some of mums :) I will update sig once the payments have cleared onto the cards :)

    I have also cancelled driving (after my second lesson today with the new instuctor) :eek: these are my reasons, the new driving instructor is pulling all my confidence back down (today i had an awfull lesson) and she is becoming very harsh with me and i cant stand it i thought i could but i cant, once i have passed driving it will take me prob 6-9 months to save for a car and insurance etc etc and also to be honest i cant be bothered anymore :confused:, so i have cancelled!

    Also today i had a call from orange to upgrade my phone and have another contract, i said no i am going payg so that will cost £4.49 (i can keep my number) but it will save me the £38.00 a month i pay now except when i need credit :D.

    so today has been an good and bad day today, i now just need to decide if i am going to try and drive with a different driving school or give up? :confused:
  • Imelda
    Imelda Posts: 1,402 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    hi postings,

    I have only jusy read your thread today (somehow I missed it). Good news on your DFD, I am v jealous!
    Re: driving it took me a few attempts to pass and I was all for giving up, however my mum and sister took it upon themselves to book my next text for a week later, told me on the day of the test and guess what I passed!! it's up to you but it would seem a waste of the money already spent on lessons if you give up now, also once you have your licence you will have more incentive to save up for a car. Can anyone recommend an instructor? Have any of your friends/ family used one in your area recently?

    Good luck!
    Saving for an early retirement!
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