MFW newbie....

[Deleted User]

Morning all
Radish- Its not the 300K house I mind- in fact I am quite partial to the idea its the idea of that big a mortgage I object to! as long as we work hard to pay ours down then Im quite happy to get a big lovely house! :rotfl: Yep am hoping my savings plan will work - I need to be more disciplined with impulse buys I think (usually small but all add up) so thats my target mainly- once my allowance for the month is out, no touching the cash cards!

Baby Steps- thanks , after a pretty rubbish year in parts it feels like a good achievement to be where I am now - I hope it pays off but of course never really know what life will throw at us, I do feel much more in control of my finances tho rather than vice versa which is good and a big relief I think. May the brainwashing and OPing continue into 2011! here's to a good year for us both eh?

Mw - ah yes, havent forgotten about the exercise challenge! (much as I would like to! ) I have located the fitness dvds I own and need to buy some new trainers in the new yr (probably out of £100 crazy clothes challenge so that could be interesting!) Am thinking perhaps a mon/wed/fri or mon/wed/thurs routine for me! but have a couple of weeks to plan (its the doing thats the problem! :rotfl:) I know I feel better when Im exercising tho so need to establish some kind of habit/routine.
Yep Im in on the clothes challenge- would welcome any tips you have as it suddenly seems like a lot to stretch- am very impressed you have money left at the end of the yr! am thinking of swapping with friends too as a way of getting "new" clothes- I think quite a few would be up for it if I add a bottle of wine and nibbles to the mix!

Finish work today till Jan- really busy day and lots to do but am sooooo ready for a rest!! Xmas shall be a rest from money-thinking , (maybe....altho this OPing lark does get addictive ) but I will try and do some sales bargain hunting for clothes and also next yrs pressie stash- looks like there could be some bargains to be had!!
rite- better go and get ready for work rather than posting on here!! :rotfl: hope everyone has a good day ..just think only a few more sleeps now till xmas!!

Radish72

My heart says £300K but then my mind gains control and imagines the extra money needed to pay back a bigger mortgage :rotfl:

Plus nowt wrong with looking (apart from the sellers thinking that someone is interested in buying their house)

I finish work today as well until Jan, think everyone is getting slightly annoyed with my countdown but I have just told them I have eaten my last dinner at work for this year

Only 1 more meeting, 1 more mid afternoon coffee, 1 more mince pie to eat blah, blah blah

Clothes shopping I have to say I have been very impressed with Mr T clothes, cheap £1 for a white T-shirt and it still look good even after being washed loads

pammyj74

I'd love a bigger house of course but its not the price that puts me off its the more room to clean lol

I am going to be more disciplined with putting money aside next year, have already started putting £15 a month away for kids school trips as DD has a trip thats £120 for 3 nights away plus others. I am thinking about putting £15 away for xmas/bdays too and maybe doing my car insurance in one lump and putting the monthly payments over but I think that only saves me about £20 over the year so not sure I want the hassle of changing that over.

As for clothes shopping I cant wait for the sales but I am a charity shop queen in that department


anyway wanted to pop in and say

A merry xmas and successful 2011

[Deleted User]

Thanks Radish and Pammy!
Radish - Glad your head wins over your heart on the houses...I have a feeling mrtyo's head does not quite work like that yet :rotfl:
have a great xmas!

Pammy - hmmm...hadnt thought of the extra cleaning actually but definitely a deterrent good point!

Happy xmas all and to everyone who has listened to me ramble on this year thank you! looking forward to more of the same in 2011! :rotfl:

Radish72

Happy Chrimbo Youngy, have a great day

Neither thought about the cleaning :eek: - 1 bed flat for us then :rotfl:

[Deleted User]

Mornin all
hope everyone had a great day yesterday , we had a lovely day with all the IL's great food and well and truly stuffed! Am so blessed to have such fantastic people in my life and xmas really makes me aware of that ...
some fab pressies too and everyone was clearly listening to me ramble on about my OS tendencies all year as lots of thrifty stuff and cooking books! plus enough chocolate to last me a year I reckon so will save on shopping bills there!!

Feeling positive for 2011 - very much wanting the mortgage to go down asap to open up new opportunities

museumworker

Glad you had a great Xmas, with loved ones. Ooooh, thrifty things and new cookbooks - do pass on any new tips/recipes!

Here's to a good 2011 for us all. Any new years plans?

[Deleted User]

Cheers mw!
Yep will certainly pass on any new ideas!! when I say thrifty things its more that it was all stuff I wanted/will use lots so no waste there...plus enough bath and pampering stuff to stretch out a good part of the year methinks!
not sure about new yr yet couple of invites so its just deciding how/where...
hope you had a good xmas? and looking forward to new year!

Radish72

Glad to hear you had a great Christmas with lots of lovely presents

We haven't decided about New Year either, I quite fancy a quiet New Year so might persuade BF to buy some picky bits and stay in and watch some DVD's that we got for Chrimbo