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40 and Foolish!

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  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    ok today I had a massive result of £200 because I did my own meter reading and realized I was in credit with S* Elect, so i asked them to pay me back and it is on it's way to the account. Right into the flat refurb account it goes. Off to update sig x
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    Also one other add. we had double glazed windows put in last year and our gas bill went down £222 from the previous year. This year we are going to do with mych less heat and many more jumpers and socks!
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    It's funny that you have to ask the utility companies to refund your money, isn't it? That they will hang onto £200 knowing you are still overpaying. It makes me a bit cross!

    Piq
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    it sure does!
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    Miss Malaprop for today

    ". I get a bit of piece because she doesn't take that job and then this news from Marc!"

    piece = peace
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    ok so huge backside on the diet yesterday and today. will work out like a demon tomorrow to try to counteract some of it but really it is 80% diet 20% exercise.

    I have decided on 31 Oct as the date I will turn my heating on this year.

    I am going to try to use as little in the way of utilities this summer so I have a heating fund.

    Work trip to America on 17 June to 1 July. It is a long time away from home but at least all my food and stuff is on expenses so basically eating for free.
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    NewLeaf wrote: »
    ok so huge backside on the diet yesterday and today. will work out like a demon tomorrow to try to counteract some of it but really it is 80% diet 20% exercise.

    I have decided on 31 Oct as the date I will turn my heating on this year.

    Key date for my weight busting too as that is the date my DS and DDIL2B are getting married and want to look as nice as possible for the photos. Was good yesterday and today but not restarted the exercise yet. Hard to jig this fat butt around when OH is sitting on the sofa watching my all-time favourite - SPORT - oh joys :rotfl:

    Does this count - :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

    Considering a gym membership for 4 months but may just try my Wii first.

    NSD being counted day by day as they happen this month. Target is tough at 15 and only managed 2 so far but I intend to give it the best go I can. Foiled :rotfl: today though as you know from popping over to my diary.

    No wine for you so here's your dr¬gs order :cool: :rotfl:
    chill-pill.gif

    BFN Gx2 x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    thank you granny! So glad you are back.

    Did I mention I am on a beauty austerity plan, like doing my own mani and pedi etc? Well I also decided to stop getting waxed on my legs and just do a shave. I was undecided about my arm pits so I let them go for awhile. When I say awhile I mean like 6 weeks. I know have armpit hair that is like 2 inches long. I'm scared to shave it. I contemplated using nose hair trimmers to whack off most of it first but if i do that in the shower I might hurt the nose hair trimmers.

    It's so gross I can believe I am mentioning it. maybe I could use this as an ode (not odour) to feminism. Help
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    NewLeaf wrote: »
    thank you granny! So glad you are back.

    You are welcome and So nice of you to say so x
    NewLeaf wrote: »
    Did I mention I am on a beauty austerity plan, like doing my own mani and pedi etc? Well I also decided to stop getting waxed on my legs and just do a shave. I was undecided about my arm pits so I let them go for awhile. When I say awhile I mean like 6 weeks. I know have armpit hair that is like 2 inches long. I'm scared to shave it. I contemplated using nose hair trimmers to whack off most of it first but if i do that in the shower I might hurt the nose hair trimmers.

    It's so gross I can believe I am mentioning it. maybe I could use this as an ode (not odour) to feminism. Help

    :rotfl::rotfl::rotfl::rotfl::rotfl:

    OK now that I've picked myself up off the floor and run to the toilet before I need those tenors, a little tip for you. Cut the long hairs with nail scissors first and then shave them once they are a manageable length. I've done that in an area, not armpits, and it worked.

    For Christmas my DD bought me an epilator and I have to say its fantastic. No where near as painful as I thought it would be and in my opinion better than waxing. Also saves on razors, so in the end it saves money and the results are longer lasting. :money:

    Oh dear I'm still giggling out loud :D

    BFN Gx2 x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • hillside777
    hillside777 Posts: 357 Forumite
    Hi NL,

    You sound so busy. I can't comment much about your recent posts being male.

    You sound as though you are doing well with MSE things.

    Have a great week. :)
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
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