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40 and Foolish!

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Comments

  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    Hello dear friends,

    I have arrived in the US last night and boy what a flight it was! 300 teens trying to be camp counsellors in the US for the summer. I dont think the plane used any fuel because the kids were buzzing!
    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
    well I am now on an official time to pay plan with the HMRC of £45 a week. I am hoping to pay it off way sooner but at least they will stop harassing me by post.

    There was a murder on my road last night (the other end) and my OH says that the whole road has been closed off so that isnt great.

    Today is OH birthday and I am here in America so I feel pretty bad about it, however I have a stonking cold so maybe that is the karma whiplash.

    Trying to stay on my diet as best I can as I have this 30lb target I am trying to meet.

    It's 30c here so quite hot
    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: »
    well I am now on an official time to pay plan with the HMRC of £45 a week. I am hoping to pay it off way sooner but at least they will stop harassing me by post.

    There was a murder on my road last night (the other end) and my OH says that the whole road has been closed off so that isnt great.

    Today is OH birthday and I am here in America so I feel pretty bad about it, however I have a stonking cold so maybe that is the karma whiplash.

    Trying to stay on my diet as best I can as I have this 30lb target I am trying to meet.

    It's 30c here so quite hot

    Yey to t2p agreement, gets those bu88ers off your back for a while. :j

    OMG about murder :eek:

    Happy birthday to OH, sure you'll make it all the more special when you get home :D

    Oh dear about cold, I hope it wasn't me sneezing all over you that did it :o

    Boo, diet, I hate diets. I so wish they didn't exist, but I'm with you on this one. Need to lose 50lbs by Oct 31st [STRIKE]so I don't break my broomstick[/STRIKE] actually so I can fit into my MOTG outfit :cool:

    Yummy heat, I love heat, I want some. Please bring it home with you next week :T

    Hope work is going well. Get better soon x

    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
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Stay safe NL, enjoy the heat, you're missing heavy rain at the moment, I'm sure you're sorry....

    I'm supposed to be dieting too, but it's a bit half-hearted. I found an old pedometer and bought a new battery for it. I shall see how near I get to 10,000 steps tomorrow.
    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
    Hello dears!

    Piq: How is the pedometer working out? I havent done any walking yet today, but plan to get out about noon so I can also get some sun.

    Granny I love heat too. That is really one thing about the UK I wish I could change. I would like to add more sunny days.

    I went over budget and agreed to let OH spend more on her Mum's bday then we had planned for.

    This year we are going to try to cut down on our gift budget.

    When I get home I am going to take on a second job so that I can really attack our bills better. More than anything I want to be debt free and an average weight.

    I grew up in an environment where we moved a lot and I didnt feel very stable (we had the £ to move) but being uprooted all the time was hard. The house we have lived in for the last 6 years, well that is the longest time I have ever lived anywhere in my life. To have the bills and house paid off fully will be so comforting to me. It will really help me take care of my emotional self.

    Ok enough drivel.

    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
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    NewLeaf wrote: »

    I grew up in an environment where we moved a lot and I didnt feel very stable (we had the £ to move) but being uprooted all the time was hard. The house we have lived in for the last 6 years, well that is the longest time I have ever lived anywhere in my life. To have the bills and house paid off fully will be so comforting to me. It will really help me take care of my emotional self.

    Ok enough drivel.

    xx

    That's not drivel! Stability is so important, especially if it was missing in childhood, and financial security plays such a massive part in that. What are you thinking of as a second job?

    Anyway, I just popped by to say thanks for recommending Opinion Outpost. I've signed up and done the initial 'about me' surveys. So far I have 17 entries to the quarterly £5K draw so I'm pinning all my hopes on that!

    Also congratulations on becoming a British Citizen. It's a pleasure to have you!
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    NewLeaf wrote: »

    When I get home I am going to take on a second job so that I can really attack our bills better. More than anything I want to be debt free and an average weight.

    I grew up in an environment where we moved a lot and I didnt feel very stable (we had the £ to move) but being uprooted all the time was hard. The house we have lived in for the last 6 years, well that is the longest time I have ever lived anywhere in my life. To have the bills and house paid off fully will be so comforting to me. It will really help me take care of my emotional self.

    Ok enough drivel.

    xx

    How strange that is my goal in life too and tbh it'll probably take me as long to lose the weight as it will to lose the debt.

    Not drivel at all.

    My earliest memory, pre aged 7 is sitting on my bed crying thinking I can't lose my friends again. My dad was in the forces when I was born and we moved a lot. Then we settled for a bit when he came out and its at this house I have this memory from. When we moved to the village I eventually grew up in my whole personality changed and I went from being a confident child to a really shy one and this never left me. Even now I get paranoid about what people think of me and I put it down to this move.

    Pre the move my mum had made a comment one day about charging the children from my school for lifts home in our van. I must have thought what a good idea because I decided to adopt it and started charging my peers for lifts :rotfl: at the grand old age of 6! :eek: If they didn't have money, they had to walk and weren't allowed on the bus. I only got busted when my dad asked one of the twins where her sister was and she said that she didn't have any money. :o When questioned my dad discovered I had a handful of small change and made me give it all back. My mum only found out about this when I was 18 and we were discussing funny things from the past. Can you imagine what the other mums must have thought when their kids didn't turn up at the time they were supposed to. Luckily the school was near to our houses but it did involve crossing a busy road. :eek:Perish the thought now. However it proves that I certainly wasn't shy then.

    So as Happy says, stability is very important and lack of it can cause all sorts of problems in later life.

    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
    granny I think you were a small business owner!
    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
    thunder and lightening! So exciting! STill down with a cold but have a lot of work on so have to pull myself together and get down to it.
    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
    Big hugs hope you feel better soon x Home day after tomorrow I think?

    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
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