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

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  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    edited 16 September 2010 at 9:46AM
    Well, ebay stuff is looking good, lots of watchers and one bid. Fingers crossed they all go for a good price. Could really do with bit of luck (and money) here.

    Had a nice evening yesterday. Cycled to the group run, did 5miles, cycled back home, showered,cooked and then off to the cinema. One of the local cinemas was participating in the Russian Standard Vodka Origanals film week and last night went to see Shawshank Redemption which I hadn't seen before. You got cocktails before and at the interval as well. Nothing fancy but was nice and a little 'goody' bag containing mini vodka bottle. Tonight we're going to see Four Weddings and a Funeral for the same thing.

    Trying to keep bf occupied as he's feeling bit down as he can't really do any exercise. Last weekend I wanted to go and see my volleball team play in a tournament and took bf with me, and he got so despondent seeing other people play, exercise and have fun. He's been off for two months now and the only thing he can do is cycle on the roads. Hopefully his referal will come soon and he'll get to know what's wrong and what he can do about it.
    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
    the free trips to the cinema and goody bag sound good....

    sorry the money front is so tough... one day it will be behind you....
    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!
    edited 20 September 2010 at 10:00AM
    Hi savingh and thanks. The money bit is my own fault, I took my eye off the ball for a bit and ended up with more cc debt which is not good and wasn't necessary. Now I'm paying for it. Lots of watchers on ebay, ending on Sunday so hopefully that'll help the situation somewhat.

    During the weekend have to see what cd's I could put on magpie and maybe finally do a list of the books that I have. Some need to go to charity shops as they won't sell anywhere else.
    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 - I took my eye off the ball and added £3-4k to my debt... so I know how that feels! Oh well onwards and upwards!
    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!
    Well, didn't do much at the weekend. Or that's what it felt like. Did park run on saturday morning, then went to skillscymru with bf, nothing for me but he got couple of ideas which is good. I'm hoping the secondment he applied for works out though it'd mean him commuting to Bristol.

    Ebay items finished last night. 6/11 sold. I was hoping them going for bit more as I had loads of watchers but should get just over £100 if I've done my p&p correctly. I should really use the money to pay off hsbc cc or half of it as it won't cover all. It's annoying cos that could be money towards my new waterproof jacket I desperately need. :o
    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!
    Just a little note list for myself.

    Positive: I haven't eaten chocolate for 9 weeks.
    Needs to be improved upon: I'm still drinking coke and this needs to stop. 1. Because it's not good for me 2. I can't afford it and 3. I don't even like it anymore.

    Positive: I've started running again and am really into it.
    Needs to be improved upon: Desire to go out for a run when bf is home. :o

    Positive: I can pay around £100 off hsbc cc from ebay profits.
    Needs to be improved upon: I do not need to use the card. I do not have the money to do so. Must wait till I have the money to buy the stuff and not use cc. Only for emergencies.
    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!
    All ebay items posted. :)

    Going to see Made in Dagenham tonight, for free of course and a friend from uni is coming with us and then for dinner at ours.

    Went to ivb training last night and elbows are fine and I did most of the session. Maybe bit tight but they don't hurt so can start building it up now.
    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 the film is good and that you have a good time!
    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!
    Really enjoyed the film, I though it was very good and so did my friend and bf. BF had seen a documentary about it before and said the film told the story in much more interesting way. Was nice to be able to invite my friend for dinner as well and eat at a table. For all the time I've lived in Wales (3 years now :eek:) I've not had a proper table, always eating at a coffee table so is absolutely fantastic to have a proper table!

    Didn't get to go for my run yesterday. Bf noticed a fab deal on this waterproof jacket in gooutdoors so went to check it out straight after work. Was so lucky, there were only 4 jackets left and only one in my size. Didn't really have money to buy it now but a 50% reduction in these jackets never happens so had to take it!

    I'm also going to join the fellow Shreders as just bought my copy from amazon. Hopefully it'll come just in time for the new month! Am looking forward to starting it.
    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!
    Run my first 10km yesterday!!! It was 6.3 miles in 1:02:00. I was ok with the time as took it steady. I always want to complete my distances and start slower. I didn't find it hard at any point so probably could've gone faster, but I've done my first 10k and that was the main aim! :):):)

    Wow, another free listing weekend on ebay. Will put the 5/11 listings back on that didn't sell but straight on ebay so no fees. Have few other bits and bobs as well that I want to get rid off. Might even put my 'old' waterproof jacket and put a reserve price of £50, which is what I'd like to get from it. Basically brand new, only worn a handful of times. Exciting, exciting.
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
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