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40 and Foolish!

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Comments

  • bast
    bast Posts: 448 Forumite
    Just drink a few glasses of wine for the pain much nicer than co-dydramol
    .. £75 is good :)
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    NewLeaf wrote: »
    so basically in order to epliate again I will have to clean boots out of co-drydamol, which I believe you can only buy 2 boxes at a time less they should think I have a meth lab in my house.

    No honestly it does get easier. I wouldn't have stuck with it if I found it too painful but much prefer it to shaving now and so much easier when you go away.
    NewLeaf wrote: »
    I have been walking 10,000 steps a day. am down to 13.5 which is good. I might get the last 5 off before the end of June.

    Well done you. My plans to join the gym have been thwarted by my bugs this week. My DGD is lucky I love her so much - seriously though if she felt half as rubbish as I do I feel sorry for the little mite x You are melting away before our eyes x
    NewLeaf wrote: »
    It's Friday night and my last meeting ends at 7 which is super. Then it is time for the self mani.

    Did mine last night, now sporting half red and half mint green nails, just for fun x
    NewLeaf wrote: »
    Also made about £75 this week so happy about that, and have set up a dd t "THEM" for £40 a week.

    Isn't it a pity all that lovely money has to go to "THEM" I'm sure they've got enough of their own, why do they need ours as well x
    NewLeaf wrote: »
    Need to figure out my total DF Date so I can have something to look forward to

    Have you tried the snowball, I did and it knocked 2 years off my DFD

    snowball

    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
    bast wrote: »
    Just drink a few glasses of wine for the pain much nicer than co-dydramol
    .. £75 is good :)

    cant wine has calories!!!
    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
    grannyx2 wrote: »
    Did mine last night, now sporting half red and half mint green nails, just for fun x

    very christmassy


    Have you tried the snowball, I did and it knocked 2 years off my DFD

    snowball


    BFN Gx2 x

    How did you find your df date to begin with? I will use the snowball thing. xx
    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!
    NewLeaf wrote: »
    cant wine has calories!!!

    Only about 120 a glass. Walk another couple of thousand steps to pay for it!

    Where did you get your pedometer from and is it easy to use? I used to have one and found it kept my weight under control nicely. All was well until it fell out of my trouser pocket and down the toilet :o
    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
    i have an omron pedometer and it has been through the was like 3 times and still works
    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: »
    How did you find your df date to begin with? I will use the snowball thing. xx

    I calculated how long it would take me to clear my debts at the current rate of payment. I'm on a self managed DMP at the moment so pay the same to each debt each month and as most of them are now interest free, as long as I stick to the agreed payments, it was easy to calculate.

    However, I didn't factor in any extra payments I'd made or the fact that I try to pay a little bit extra each month, so when I snow balled it took 2 years off my calculations, which was already 5 years less than it would have been whilst interest was being charged.

    Doing it this way does mean I've got no access to emergency credit but TBH I can't be trusted with that anyway, so no bad thing. Once I've paid something towards my DS wedding and my flights to Oz, hopefully next year, I'm going to start putting the additional money in an emergency pot. I'm lucky in one way as OH isn't involved in all this, although he knows I'm struggling, so if any real emergencies crop up, he can usually access the money from somewhere. They have to be things he considers to be emergencies though and grumbles profusely first.

    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
    hello dear friends... off to America for work tomorrow for 11 days so will be keeping up with you all on odd hours. I haven't packed a thread yet so probably should haul out the valise and try the clothes on prior to putting them into the case. [EMAIL="It@s"]It's[/EMAIL] meant to be 28c in America and I am completely unprepared for this weather.
    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: »
    hello dear friends... off to America for work tomorrow for 11 days so will be keeping up with you all on odd hours. I haven't packed a thread yet so probably should haul out the valise and try the clothes on prior to putting them into the case. It's meant to be 28c in America and I am completely unprepared for this weather.

    I know you are going for work but have a fantastic time anyway. Look forward to hearing all about it and as you should know by now, we all keep pretty odd hours on here anyway.

    Happy flying

    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
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Safe journey NL. I'm looking forward to hearing stories of what you get up to while you're away.

    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



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