A journey of a 1000 miles must begin with single footstep....

Woowoo

I have decided I want to save £5k a year, over a ten year period to purchase an apartment in France with my OH so I can spend the ski season out there. I will also learn to speak French over this ten year period lol!

I will also restart my pension, but I am so untrusting now I can't decide whether to put this in an ISA or to join the company one again. I should do this really as they match the percentage you pay in.

I will also eat out lots and go on lots of holidays!

Once you are mortgage free you really will feel like a millionaire and so free as no-one will have any hold over you.

Herewego

I also have a 15 year old son who is determind to go to University and I dont want him coming out of it with tons of debt

Woowoo

Absolutely, that would be such a good start in life if he could come out of uni without debt hanging over him.

The daughter of a colleague at work is starting next week and is already talking overdrafts and credit cards. I keep saying don't let her get them under any circumstances.

Herewego

I think its so wrong that banks prey on these young people who dont know any better, im trying to get DS to realise you have to work for everything and debt is bad for your health.

Woowoo

The naughty fairy has been having a go at me all night by email, oh dear

Happytogetdebtfree

Hi woo woo sounds like you have been laying down more plans on finances i like it we do need to get our heads down dont we this mindmapping is good for laying down plans and targets lol xx

Woowoo

What's mind mapping Happy?

Herewego

Just remember how the bad fairy got her name, and there is a reason you have a delete button on your pc
Keep smiling you dont need naughty fairies in your life

Woowoo

It's just so hard not to retaliate and justify your position, I have been sat here shaking all night.

I'm not going to respond anymore now, it's not helping the situation.

Herewego

Dont let it upset you some people are not worth it especially when they show their true colours.
Have a got a picture of your dream house yet to focus on remember positive thinking