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I've had my LBM and now it's time to sort it out once and for all
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well done for resisting the lure of yet another EVIL cc..........good luck with buying JUST the shoes ;-)CC debt Aug 2018 £50.2K
CC debt Nov 2018 £48.6K0 -
Ebay packages done:T
I didn't end up going anywhere for dd's shoes, couldn't find anywhere on the way to where we were going (dropping dd to my sister for a 2 day trip with her aunty) so didn't spend anything:T Sis might get her some if i'm lucky:D I REALLY wanted to stop somewhere to buy chocolate but I didn't, yay me! I knew it was a waste as there's some at home and biscuits but not a bar of choc so was craving something. Choc is my weakness:o But I didn't buy any:T0 -
Well done all positives for you today. It's hard at the time to resist but it pays off in the endMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
sounds like a good mse day!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Managed to have breakfast this morning and avoided the bakers. How unfair is it to work above a bakers?! Lovely smells wafting through the open window making me (a) spend money and (b) get fatter and fatter:rotfl:
I also forced myself to make sandwiches even though I was running late:T Although because of the running late I am yet to post my ebay parcels. I'll do that on the way home, hopefully before collecting ds from the childminders
I am however off out for dinner with the girls tonight so I will spend money, but i'm going to drive so it shouldn't be too much. Will order water for the table:money: and actually take notice of the price of the meal I choose. Normally I say 'but I don't come out very often' and have what I fancy but I will decide with taste and price in mind tonight. I hope to only spend £15/£20. Actually i must check the bank before I pay the postage and meal, need to see if we've been paid yet.0 -
Ebay parcels posted and even better, cost £14.65 and I charged £15.50 (in total) so I got the postage about right:T
I've just transferred £30 from paypal to pay for the postage and also £15 for my meal tonight. I was going to save the paypal money for christmas things but figured it's a while til christmas and I want to enjoy tonight and will enjoy it more knowing I have the money. I'm planning on leaving paypal money made from ebaying in paypal and just use for treat things and christmas. Once dd is back at school and ds at pre-school i'm going to make sure I ebay each week. I missed this week as I didn't list anything, but I may well list this weekend and then once the auctions end they will be back at school. Being back at school makes posting and packaging up a lot easier!!0 -
whoop whoop! Back from dinner(had a fab time) and I spent £15:T:T:T:T YAY me!!!!
My lovely friend also gave me a black sack full of her dc's old clothes for my dd and ds. I'm so lucky to have her, she doesn't ask for money for them:o
Did I mention that when dd came back from a 3 day visit to her uncles, that they gave me a sackfull of clothes from BIL's gf niece? Fab! I think I need to spend an evening looking through the bags and seeing what sizes everything is.
ooo ooo and I can officialy state that I have now not used the cc for a MONTH:j
I'm feeling in a very good place at the moment:)0 -
you are doing really well hon :A:A:A:ACC debt Aug 2018 £50.2K
CC debt Nov 2018 £48.6K0 -
Primrose2004 wrote: »whoop whoop! Back from dinner(had a fab time) and I spent £15:T:T:T:T YAY me!!!!There should be cheer leader smileys for this! Ones with pom poms!
My lovely friend also gave me a black sack full of her dc's old clothes for my dd and ds. I'm so lucky to have her, she doesn't ask for money for them:o
Did I mention that when dd came back from a 3 day visit to her uncles, that they gave me a sackfull of clothes from BIL's gf niece? Fab! I think I need to spend an evening looking through the bags and seeing what sizes everything is. definitely have a sort out. I was so lucky that I had someone give me her boys clothes from 0-18 months. I hardly bought anything clothes wise for two years! And if some things are not to your taste you can either gift them on to someone you know, charity shop them, or ebay them and then buy the giver a nice something or other....
ooo ooo and I can officialy state that I have now not used the cc for a MONTH:j :T:T:T:T:beer::beer:Well done that is ace.
I'm feeling in a very good place at the moment:)
Well done on keeping going forward. I will try and remember to drop in next week and tell you to eba!
I want a job that is less than an hour driving away from my house! Are you listening universe?
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