📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Is it the end, or just the beginning.....?

1…180181183185186…335

Comments

  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If a calculator is sad, how sad is it that I just googled OTBC :D
    2023: the year I get to buy a car
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Karmacat wrote: »
    If a calculator is sad, how sad is it that I just googled OTBC :D

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

    It is on my facebook status often enough, KC (well, about every Saturday.....) - I'm surprised you've not googled it before :rotfl:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • short_bird
    short_bird Posts: 4,032 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Karmacat wrote: »
    If a calculator is sad, how sad is it that I just googled OTBC :D

    Nowt wrong with that, pet, so did I:D
    Even better though: I'd Googled it before and forgotten what it meant:o

    And, in a timely fashion, I learned a great new acronym from "Ladies of Letters Go Crackers" on Radio 4 this week:
    CRUFT: Can't Remember A Flippin' Thing

    :rotfl::rotfl::rotfl:
    ‘Keep your eye on the donut and not on the hole.’ David Lynch.
    "It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Happy new year Hypno :)
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    HS1NY1.gif HAPPY NEW YEAR HYPNO & ALL HS1NY1.gif
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I've done my initial "basic" budgets......and it is quite amazing what difference it makes not having payments going out to debts :rotfl:

    I need to be careful I don't get carried away - I am not used to having a positive figure showing on my back of the envelope calculations.....:cool:

    So, next job - make a proper list of must haves, would likes, and not too fussed abouts......then I can allocate what I have left in the most effective way in order that we get the most out of life :D

    Not a bad way to spend an evening :rotfl:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I'm also budgeting tonight - spreadsheet nearly done and I've also done a Christmas spreadsheet too :D

    It's nice having a budget for haircuts :j
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I am glad I am not the only one number crunching F-F!

    It really is quite amazing - when I joined this site, my minimum payments to non-mortgage debt were £2200 per month :eek: that is without my mortgage and basic utility bills, and also made no provision for food, petrol or general living!

    Now, my mortgage and my basic bills and insurances come to £1709 all in......ok, food, petrol, and various "extras" have to come on top of that, but it is a far cry from the figure above!

    So, firstly, I cannot really believe that we managed to pull ourselves through in those dark days of £2200 per month debt payments!

    And secondly, I cannot believe I now have a budget for leg waxing :rotfl:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • EssexHebridean
    EssexHebridean Posts: 24,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy new year Hypno and co! Have a good number-crunching night!
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • lucielle
    lucielle Posts: 11,519 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    And secondly, I cannot believe I now have a budget for leg waxing :rotfl:[/QUOTE]


    Oh the joys.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture