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The hilariously over-optimistic goals I am setting myself in 2010....
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loving your work here.......:j MFi3 wannabee :j
mortgage owing 04.07 £36,000
mortgage owing 07.10 £0 !!!!
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Thankyou Daisy!DEBT FREE! AS OF 25/02/15
Emergency fund: £3000/£3500
House deposit: £10,000/£25,0000 -
So in the end I didn't have to see the former object of my affections (I say former because I am over it now), which spared my blushes. In the meantime, I have met someone nice and we are going on a date at the weekend, which is exciting. Will update next week....!
Some other good news this week - I have got a 2nd interview for the dream job I went for, which means I am down to the last 2 candidates. If I get this job it will work wonders on the debt free wannabe front. I dare not put my new wage into the snowball calculator for fear of jinxing the interview, but let's just say it would drastically improve my quality of life in many ways, both in job fulfilment as well as financially. Please cross everything for me!
In healthy news, I turned down a boozy work do tonight, but I have had a couple of glasses of red at home. The whole plan of only drinking at the weekends seems to have gone to pot. And I ate 2.5 donuts today which is disgraceful. Will have to go on the starvation diet so I fit into my party frock by the weekend! If I get this job I will be able to afford a personal trainer to whup my lazy a*s into a size 8. All the more incentive to nail this interview!
On the DFW front more generally, I got a statement from the credit union and realised that I have not paid off as much of the loan as I had estimated, so I have to add another £173 to my total debt. However, my credit union savings are higher than I thought, so I should be able to pay off one with the other in 10 months time if things continue as they are now.
Thank god Feb is a short month, but next month is going to be ridiculously tight whichever way I work the budget. Might sign up to another bingo site since BB has kicked me off. It's a shame because the £87 I managed to win in the time I was on there was a lifesaver.DEBT FREE! AS OF 25/02/15
Emergency fund: £3000/£3500
House deposit: £10,000/£25,0000 -
Enjoying your diary hannah..it seems very frank and you tell it like it is!
I have never really bought into this not drinking for the month of January business..although many of my friends do. Basically the more I tell myself I can't do something the more I want to do it. I am just trying to do more exercise. If you do more of that..(I have even been known to jog on the spot in front of The Wire for 15 minutes in order to offset a glass of wine calories wise!)..it should balance out. Well thats the theory anyway!
Best of luck with the interview - be confident and enthusiastic. Am sure you"ll do well..
BrizzleMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
very best wishes with the interview xx:j MFi3 wannabee :j
mortgage owing 04.07 £36,000
mortgage owing 07.10 £0 !!!!
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Good luck with the interview - got everything crossed for you!0
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come on Hannah..whats the verdict??! You can tell us we don't even know who you really are......!!MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
I *really* hope you get this job....I've just read through your diary and will be dashing off to subscribe after writing this.
I reckon you should be applying for Features Editor of Private Eye...'ang on...you might be....:rotfl:
Onwards and upwards!0 -
Hi guys, thanks for all the good vibes you are sending me, it means a lot! Interview is not until next week so you'll have to wait and see what happens I'm afraid! It's good though, means I have lots of time to prepare.
And the pressure is really on because a big bill has finally caught up with me. I was paid an unexpected £400 by a company I did some work for, which I assumed was a mistake on their part but hoped it wasn't. I was in desperate need of it at the time, so I used it to pay off my old overdraft and then kept my fingers crossed that they wouldn't ask for it back, at least not for a while. I know that's really naughty but I did really need it, and at least I didn't fritter it away. So anyway, 5 months later, they have now realised their mistake and I have to pay it back, but I don't have that kind of money so have very embarrassingly had to ask for a loan from the Bank of Daddy. Am mortified that I have to do this at the age of 26. He says I can pay it back in instalments, but this means I am stretched even further for the next few months, UNLESS I get this job. *Sigh*. I should not have spent that money.
A cheery update for Valentines weekend: my romantic liaisons have turned out to be a complete, unabashed disaster. I was supposed to have a date with the new guy yesterday but he went out on the lash the night before and fell asleep instead of coming to meet me. I don't know what it says about me that a man would rather sleep than date me, but there you go. Luckily I had a really fun night with my friends, but I wish I hadn't bothered shaving my legs to be honest.
The two perfectly nice guys I have had dates with recently have been texting me for further dates, but since there was not really any chemistry with either of them I am pretending to be busy. Indefinitely. Not really sure how to worm out of further dates without telling them the truth and looking like an arrogant cow? Advice gratefully received.DEBT FREE! AS OF 25/02/15
Emergency fund: £3000/£3500
House deposit: £10,000/£25,0000 -
Spent a nice Valentines day eve with some friends eating popcorn and watching movies, and today I have stayed inside to avoid all the smug / rowing couples everywhere.
Went to Iceland after my friend kept raving about how brilliant it is, and to be fair I have stocked up my freezer with some nice stuff for not much money. This is good because I am going to be living off what I already have in the freezer and cupboards for the next few weeks. In March I have a £40 food budget for the month, which is going to be a struggle. No wine or fags for me. When I was at uni I often had to make to choice between cigs and food, and usually the cigs won. But I am a better, more disciplined person these days and I will choose (healthy) food.
Have made a veggie bolognese today, using up a scabby old pepper, onion and chilli that were languishing in the drawer of the fridge. I have a couple of work lunches next week which will save me having to bring lunch, and the meals I have in the freezer now should keep me going til payday. Am still eating lentil dahl from weeks ago! I swear a pan of that stuff made about 15 portions. Good thing it was tasty as this is what I will be subsisting on until the summer!
This week I had a £40 Amazon voucher to spend, so I bought a handbag as I really needed a new work / interview one. But when it arrived it was ugly, so I sent it back, and since I need the cash more than I need a new handbag, I have bought a new Xbox game with the intention of selling it on Amazon again as soon as it arrives. Hope it does sell as I don't even have an Xbox!
Am going to try and pay back the Bank of Daddy loan at £50 a month. Am so annoyed with myself that due to idiocy and miscalculation I have managed to actually add £613 to my total debt. God, am just dreading the next few months. Have also come to the realisation that I can't afford to do any festivals this year. Am absolutely gutted as it's the highlight of my year, but I can't even put by enough to pay for the flight as things stand at the moment, nevermind ticket and spending money. Well, next year I will go and I will have more to celebrate because I will be debt free.
Paid £1 off the Egg loan yesterday. I should be able to pay a big chunk off it in April and clear the thing, according to current budget projections, which is 6 months early, saving me about £60 in interest.
My flatmate's mother came to stay recently, and for some reason she has taken the batteries out of the bathroom scales and messed about with them so I can't get them to go back in. It is actually making me quite nervous not knowing how much I weigh. I feel like some weight is creeping back on (ate donuts and homemade flapjacks, and have been going a bit mad on the carbs as well lately). Oh well, ignorance is bliss I suppose.DEBT FREE! AS OF 25/02/15
Emergency fund: £3000/£3500
House deposit: £10,000/£25,0000
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