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KP - Fantastically Fervent MoneySaving Super Fan? Must try harder :mad:
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Blimey, not much happenning then!!!
Good news on job :jI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Plenty going on for you..glad everyone ok after crash and well done on job x0
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oh no what happened with the car? Thank goodness noone hurt...
Great news that you had a good Christmas and have a job though! Well done you. What is it doing?!Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0 -
A mix of my last two roles but with little to no travel and nice 9-5 hours.
The car was a low speed rear end
feel really stupid and bad that I have inconvieniced people but insurance should sort that all out.
Made some carrot and potato soup with leftovers today so very MSE only thing in I have found I dont actually like it !! oh well Ill freeze it in small portions so I can take it to work.
Still to do the banking thing yet. OH has just counted his pots up and has 40 to pay into his savings account. need to do a shop but going to survey the cupboards etc and do a list of essentials to try to keep costs down and use up the odds and ends. OH will go to shop as he is good at sticking to the list.
Baby steps...:jMay 2013 new beginnings:j0 -
ok new year fresh start but still procrastinating :mad:. Dont know why I guess cause it seems so daunting and I know it prob wont be great
. Any ways baby steps so here is a to do list to get me started
1) house
wash up
clean surfaces
declutter front room
hoover
the above are my way of doing other useful stuff but not dealing with the money side
2)finances
check bank and cc accounts and print recent statments
do a budget
work out the best way to piggy bank
set up spreadsheet and diary to monitor
discuss plans and agree with OH
this is what seems so daunting yet is the most important
3)health
keep an eating and excerise diary
look to meal and lunch plan and walk to work ongoing
think of a reward plan to motivate yet not blow budget:jMay 2013 new beginnings:j0 -
oh I love plans :rotfl:. Get them ticked off one by one but get the finances sorted out ASAP. It'l probs not be as bad as you think and even if it is then you have a starting point to move forward from. Consider my foot right up your bum kicking you into action
. Lets make this a big year debt wise for us. We've been hanging about here like a bad smell for too long.
Hey look at me being all motivational xx5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
yay to kick @ss plans and a debtbusting 2012! Dont overdo it though-just starting a new job is stressful so slowly slowly catchy monkey! Happy new year; hope this one is peaceful and uneventful!! Big hugs!Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.0
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1) house
[STRIKE]
wash up
[/STRIKE]
[STRIKE]clean surfaces[/STRIKE]
declutter front room
hoover
Did clean out bunny though
the above are my way of doing other useful stuff but not dealing with the money side
2)finances
check bank and cc accounts and print recent statments WIP
do a budget
work out the best way to piggy bank
set up spreadsheet and diary to monitor Have shiney new diary large enough to write everything in
also have printed a credit report off and cancelled some dds. Made a note to cancel another two in the week seem I need to ring those ones.
discuss plans and agree with OH
this is what seems so daunting yet is the most important
3)health
keep an eating and excerise diary started in new diary
look to meal and lunch plan and walk to work ongoing
think of a reward plan to motivate yet not blow budget
So some progress and the evening to do more. No rush back to work for me just yet
.
Spends today include £23.50 on boots, socks and a belt so thats wil go to my clothing allowance when worked out. £4.20 on half price pastry so I can bake some more mmmmm and £9.50 on two diaries.
Food - trifle, two slices of bread n butter and just about to eat pasta bol. Need to drink more.:jMay 2013 new beginnings:j0 -
those lists look good and see you've ticked some off already0
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Slowly but surely KP.
Well done on the job and glad no one was hurt in the car accident.
xOfficial DFW Nerd Club Member no:219In the Court Of The Crimson KingI don't believe in the concept of hell, but if I did I would think of it as filled with people who were cruel to animals.Gary Larson0
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