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Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary

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Comments

  • Morning,

    Happy payday GG :j:j:j

    Good luck with the paper gremlins - I'm going to tackle the financials this weekend and wrestle them into submission :T

    Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Happy payday GG :D

    This weekend I will be:

    - gardening

    - baking a cheese & pickle bread (using HM spicy pear pickle) and a chocolate brownie cheesecake with cherries (that I will pick this afternoon) for a neighbour's garden party

    - refurbing my old ottoman - the paint, foam and fabric have all been delivered this week

    - touching up the painted walls that have already been scuffed :mad:

    - applying a wall sticker to the landing wall

    - supervising Mr MWC putting up a floating shelf

    - deciding on which of our holiday photos to print and display in my new photo frames

    - hanging the new photo frames

    - choosing carpet

    - trimming the privet hedge in the front garden (it didn't look too bad but the neighbours both sides did theirs last week and now ours looks terrible!)
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • Froggy-G
    Froggy-G Posts: 2,145 Forumite
    Happy Pay Day GG! Enjoy!

    I will be dog sitting all weekend! :rotfl:

    Froggy :D
    Froggy's New Lillypad Fund
    Total so far: £ 10,009.77
  • tea_lover
    tea_lover Posts: 8,261 Forumite
    - trimming the privet hedge in the front garden (it didn't look too bad but the neighbours both sides did theirs last week and now ours looks terrible!)

    Our neighbours keep doing that to us too - it's very annoying!

    Happy payday GG :j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Gardening featuring highly
    CHECK :j
    a few edig surveys to do
    CHECK :j

    Plus I have about £1,800 cash in my pension fund so going to have fun spending that ;).
    No check :o
    Plus the paper gremlins have been breeding :eek:.
    No check :o
    And I have stuff to get ready for ebay.
    No check :o
    That should do (actually, if I get through all that I'll be well chuffed :T).
    Oops :o
    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"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Oh dear. Really don't know where the weekend has gone :o. Did manage to sign up with BT instead of Sky and looks like it will be cheaper :j. Sick of Sky and their 20 minute waiting :mad:.

    eDigital has been a nice little earner last few weeks :j. £180 since 11th July, and £29 paid already :T. If any of you have gone through the sign up (you need to do a trial review 1st) can you please drop me a PM with your name & email address please. Then they will give me so much money I can retire next month :rotfl:.

    4 day week this week for me :T. And finishing early one day (but for a funeral so that doesn't count :o).

    Splashed out £2 for charity for a balloon horsey :o. It is pink with a purple mane and has made me very happy :D.

    Really need to do the finances though :eek:.
    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"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    elantan wrote: »
    How you going with deciding which funds for the pension ?

    Have to admit I feel like I need a refocus myself :(

    No comment :o. Think I'm going to look at UK Smaller Co's. Have a very high risk strategy which I try to mitigate by spreading the high risk about the world :rotfl:. I have 25% of monthly conts going to Emerging Asia, 10% Africa, 9% Emerging Europe & Russia, 8% MENA, 7% Japan. Things seem to be looking up here so will have a look when I get a proper chance.
    gallygirl wrote: »
    Splashed out £2 for charity for a balloon horsey :o. It is pink with a purple mane and has made me very happy :D.

    Her face has deflated :(.

    £1.52 TT and £5 Halifax Reward today :T.

    Only just been paid but so far looking like there will be money left at the end of the month :T. On the other hand though, in the house accounts there will be credit card bills left at the end of the money :rotfl:. Mainly because of overseas bank account top ups and paying keyholder for the year, plus some for cleaning. May just scrape through - but here's betting my builder who is very slow to invoice gets his finger out :o.
    #creativeaccounting :cool:.

    GG :)
    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"
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I have some emerging markets myself, I'm kinda spread betting though, trying some higher risk ones and some safe ( define safe lol) ones

    It's a quandary, have read Tim Hale again and every time I do I learn more ( or relearn what I've forgotten previously)

    From what I gather now ain't a great time for the bonds but I have no bonds at all just equities, so part of me is thinking should I get some bonds even though it ain't a great time bond wise

    Sigh it's just so complicated lol
  • nattypants
    nattypants Posts: 2,577 Forumite
    Whilst I understand this.
    gallygirl wrote: »

    Splashed out £2 for charity for a balloon horsey :o. It is pink with a purple mane and has made me very happy :D.


    I genuinely don't understand this.
    gallygirl wrote: »
    Think I'm going to look at UK Smaller Co's. Have a very high risk strategy which I have 25% of monthly conts going to Emerging Asia, 10% Africa, 9% Emerging Europe & Russia, 8% MENA, 7% Japan.

    You know I read your diary. Can't you just talk normal?
    February13 - £74990 (or thereabouts)
    MND - Let's go for 2020 'cos it's got a nice ring to it:D
    C'mon nattypants:cool:
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    nattypants wrote: »



    You know I read your diary. Can't you just talk normal?
    gallygirl wrote: »
    [STRIKE]. I have 25% of monthly conts going to Emerging Asia, 10% Africa, 9% Emerging Europe & Russia, 8% MENA, 7% Japan. [/STRIKE]

    My pension money is invested in countries you can't quite place on the map. But we either used to own them or we beat them in a war.

    Is that better :D?

    £1.36 Tilly Tidy (oops, probably lost you again :rotfl:)
    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"
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