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22 Months to DF-Day - The Race is On!

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Comments

  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hi saving. Well, onepo11 isn't too bad, usually short surveys. I didn't think I was ever going to get there though as you usually only get 10p per survey. I just don't think about whilst I'm doing it and then when you get your reward it feels like you got money for nothing (which obviously isn't true - nothings free in this life).
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    I am at £14.70 so a bit of a way to go, but as you said if you log on every day you will get there in the end!

    How are you this morning?
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hi CMD.
    I'm feeling bit tired, shouldn't've watched the third episode of Dexter starting half ten...Bringing bf up to date with it as he's never seen it and I want to finally watch season 3!

    Been feeling bit tired the past week anyway so I think early nights are in order for a bit. Not really finding motivation for running either, thankfully I have to cycle to work every day. This is the last week of softball season after which I'm taking a 2/3 week break from everything else except running and cycling as suffering with elbow tendonitis on both elbows and need to clear it before indoor vb season starts. Will be missing some of the training but must sort the elbows out first otherwise I won't be any good anyway.

    It's started raining almost everyday as well so that's put a bit of damper on things.

    HOw are you doing?
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you manage to get your elbows sorted - sounds painful!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Defo - sounds very painful :(
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    It's not really that painful, just achy and sometimes uncomfortable. Only hurts in certain situations. They just need rest first so the tendons can heal and then you need ot build the muscles around them so you have a good base. I hurt my shoulder once but it was ok after a month's rest and hasn't really bothered me since. Just one of those things that can happen when you do repetitive exercise (can't really get a way from touching a volleyball when you play ;)). I need to go to the doctors though to get some proper ibuprofen and hopefully referal to physio (doubtful).
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Hmmm, my DD for Santander card hasn't gone out of my A&L account yet. I know it says on the day or after, but it's usually on the day they say,in this case 10th. Annoying having to wait if it goes or not...
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi tirl - hope the payment goes okay. I really should check my e-banking - I've been putting it off tho as feel a bit guilty over spends - oops!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Just rang santander and they said they've had problems with dd's coming from A&L accounts and I'd better pay it manually as it won't be coming out now and then I can call next month and get refunded the late payment fee that will land on my card.
    Can't they just get it right?! No problems before they merged with Santander. GRRR!
    But I don't use my santander card for anything else so I can't remember my logging details so have to wait till I get home.

    On a nicer note, bf has organised viewings for 8 flats on Friday! I can't go with him to all of them but hopefully get off work a bit earlier or even take half day off. Friday's are difficult cos the other person who share's some of my duties is off. Getting quite excited now, this actually going ahead!

    I was a bit of a dimwit the other day as well. Yesterday when I put my lenses on I just couldn't see very well, it was all fussy, but I went to work and didn't have my glasses with me (hardly ever wear them). Hardly could see the computer screen. Then today I put them on again but had no better luck and decided to change them for glasses at work. But then I had this niggling feeling that I'd done something really silly when I put the lenses away the other night...like maybe putting them in wrong compartments. So decided to try them the other way round and voila, I could see perfectly again! Felt like a plonker!:rotfl:
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    tirlittan wrote: »
    Just rang santander and they said they've had problems with dd's coming from A&L accounts and I'd better pay it manually as it won't be coming out now and then I can call next month and get refunded the late payment fee that will land on my card.
    Can't they just get it right?! No problems before they merged with Santander. GRRR!
    But I don't use my santander card for anything else so I can't remember my logging details so have to wait till I get home.

    On a nicer note, bf has organised viewings for 8 flats on Friday! I can't go with him to all of them but hopefully get off work a bit earlier or even take half day off. Friday's are difficult cos the other person who share's some of my duties is off. Getting quite excited now, this actually going ahead!

    I was a bit of a dimwit the other day as well. Yesterday when I put my lenses on I just couldn't see very well, it was all fussy, but I went to work and didn't have my glasses with me (hardly ever wear them). Hardly could see the computer screen. Then today I put them on again but had no better luck and decided to change them for glasses at work. But then I had this niggling feeling that I'd done something really silly when I put the lenses away the other night...like maybe putting them in wrong compartments. So decided to try them the other way round and voila, I could see perfectly again! Felt like a plonker!:rotfl:


    Lol to the lenses!

    Wow - your BF is very keen. Am thrilled for you :)Will your rental costs be less than they are now, because you are sharing? Hopefully they will so you have more money every month.

    Don't talk to me about credit card companies. I am having a right pain with Virgin at the moment. Basically I was offered a 0% transfer in March & told I could do it online. Because there system wasn't set up properly I was put on the 34.9% rate. I rang about this and then had to write in June. I got a letter back to say that they would change my rate to 0% in June but when I checked a week ago it was still at 34.9% and they charged me interest for June and July also (of £180 a time). So I wrote another letter to them saying I wanted the interest taking off as effectively I have paid £350 for a 0% balance transfer that hasn't been giving me 0%. They are a nightmare.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
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