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

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  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Happy weekend :j.

    Plans for today:
    • Underwear sale, hope to get some stuff for me & ebay stuff :)
    • Asda before it (or after if I don't get a wriggle on :rotfl:) to get a v small list. The 'don't throw away food' thread has caused havoc in my freezer :o.
    • Hopefully get into bank accounts (internet still down :eek:).
    • Signing wills finally this afternoon
    • Hopefully popping into town to get Mr GG's mum a dressing gown
    • Quality Sat eve with Mr GG (only if no internet :rotfl:)
    • Tomorrow interesting - first Rockchoir concert :eek:, will hopefully get act together and get some Xmas shopping 1st. MK Theatre district at 5pm if anyone interested. I'll be the one miming the words :rotfl:.
    • Need to do some exciting housework/tidying at some stage :(
    Un-money related news - forgot to say yesterday DS came home with a present for me Thurs night. Announced it was in the kitchen. I didn't exactly rush as that's usually how he describes his massive pile of washing :cool:. Turned out to be a lovely bunch of flowers 'because I'm his mum' :kisses3:. I don't know what he's done but it must be very bad :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"
  • Sepa74
    Sepa74 Posts: 962 Forumite
    How lovely... but please make sure you tell us how he has sinned when you find out!!! I'm really curious now!
    Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)

    Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
    Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
    Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
    Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Sepa74 wrote: »
    How lovely... but please make sure you tell us how he has sinned when you find out!!! I'm really curious now!

    Hmmmmmm, no confessions so I think it must have been a sign of love and appreciation :eek::o;):cool::T:)

    Oops. Been lurking elsewhere for last few weeks :cool:. Now back and ready to use this thread to organise me :). So, update time:
    • No internet or landline for 3 weeks :eek: (except work dongle). Long story, cable theft & damage, Sky not exactly covered themselves in glory (should have been reconnected a week before I was). Nice BT fixed it for me. Free line rental for a year as a result of complaining, that's around £150 :).
    • Currently doing SOA, will post later :eek:. Am actually unembarassed by it & have identified the reason I have no money is that I over-commit myself :).
    • Work Xmas party yesterday, much fun & frivolity (fancy dress/posh clothes. Special mention to the Wizard of Oz group, especially the Tin Man, also Edward Scissorhands :T:T:T). Currently on sofa pretending a hangover is not lurking. :o. Lovely Mr GG had his do also but didn't drink & came to pick me up so I could drink for a change :kisses2:, usually it's me picking him up.
    • Neighbour came to door a few days ago, he's been out of work all year. Now got a job and bank have decided to pull his overdraft :(. I've agreed to lend him £700 till early Jan :eek:, hope I've done the right thing :o.
    • Need to get dressed so I can go to cash machine to lift rest of money for him. Will also call at sweetie shop to get DS and DD the sugar mice for their stockings. Also one for my boss as he's never had one :). In return he's going to buy me a pickled egg as I've never had one of those :cool:. That was a fairly random conversation :rotfl:.
    • Xmas tree going up later :xmastree:
    • DS spent 6 hours insulating the loft on Thursday :T, thanks to npower's £1 a roll offer :). Hmmmm, just remembered he emptied the loft and only put back what HE thinks should go there. Anything else in the garage I want is up to ME to put back. Haven't ventured in there yet :cool:.
    • Need to wrap Xmas pressies and work out what else I need to buy :xmassmile
    • Money is exceptionally :eek:
    • Need to log onto Spanish bank and check how it's going, so I can decide if I need to top up while I am out there.
    • 12 sleeps till Spain :j
    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
    Latest npower bill received. £197 on its way back to me :T. Have changed tariff and getting £40 cashback (thanks Martin :)) (am sure it was £100 a few weeks back but I didn't want to swap till I got latest bill as I was due £100 discount on it :().

    Boots sold on ebay to be posted :) Will buy stamps & ignore the fact that today is last guaranteed day for Xmas with 2nd class :snow_laug
    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
    edited 17 December 2011 at 9:15PM
    Water 21
    TV     11
    C Tax     88
    Sky (bband, phone, TV)     35
    Gas & Electric 100
    Egg     610
    Mortgage OP     940
    Women's Health Insurance     6
    Life Insurance     23
    House insurance     15
    Car insurance     35
    Charity, 2 x 15 30
    Sofa, Interest Free     64
    Diesel 303
    Staff - lunches etc 38
    Choir     25
    SIPP 450
    Car tax, repairs etc 45
    Dentist/optician 20
    Food, entertainment, cleaner, £125 a week 542
    Clothes 50
    Holidays, presents 83

    TOTAL 3533

    Wages 3210
    Mr GG contribution 312
    TOTAL 3522

    Spare -11Oops.

    Items in bold are fixed, rest are estimates.

    ETA - in reality I get a bonus of £700 - £900 twice a year which bails me out LyotKywrLZF0DJtPmnsJPToGDPPCExrkAAAAASUVORK5CYII=
    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"
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Part of the Furniture Combo Breaker
    Need to do another SOA meself (in preparation for the new year!! God I am sad eh! :rotfl:)
    All looking good looks like you have all bases covered!
    Yay on DS providing confession-free pressies!
    Hope the hangover better now- or at least worth it! ;)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Hangover decided to go & find a more worthy victim, not even 2 pain killers needed :T.

    Tree is up :xmastree:but one of the singing dog stockings doesn't wiggle his ears any more, so v traumatised :(. Still, tree lights worked so not all bad :xmassign:

    Too tired to wrap pressies and write cards so will have to wait till tomorrow :cool:.
    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
    gallygirl wrote: »


    2011 challenges.

    Mortgage #1
    £19,546.15 Currently
    0 Target
    Actual = £35981, £-16,435 :o

    Mortgages 2 & 3
    £101,668.64 Currently
    £94,803.11 Projected end of 2011
    £90,000 Target (mortgages - savings)
    Actual = £95,581, -£5,581 :o

    BTL Mortgage on Late Mum's House
    £27,056 Currently
    £25,489.36 Projected end of 2011
    £23,000 Target
    Actual = £17,883, +£5,117 :D

    Total -£16,889


    In addition to that I have set myself some other goals. Some easy to measure, others a bit more subjective:
    1 June I will decorate the living room and buy new sofas ACHIEVED
    2 August I will reach my target weight (the 'real' one, not the official one. I will get below 11 stone) and stay there NOT ACHIEVED
    3 August I will have no mortgage on my house NOT ACHIEVED
    4 August I will be fabulous at 50!!!!! ACHIEVED :)
    5 October I will have a garden I am proud of NOT ACHIEVED
    6 December I will read 12 books off the BBC list NOT ACHIEVED
    7 Ongoing I will continue sell all possible things on ebay ACHIEVED
    8 Ongoing I will start entering competitions again (& flog everything I win) NOT ACHIEVED
    9 Ongoing I will exercise for 30 mins at least once a week NOT ACHIEVED
    10 Ongoing I will meet up with friends at least once a month ACHIEVED
    11 Ongoing I will continue loving life & thanking the Universe for all its' gifts ACHIEVED (mostly :o)


    Oops. Will return later with [STRIKE]excuses[/STRIKE] reasons:rotfl:. Accidental house is to blame for all though (especially not losing weight and no exercise :cool:)
    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
    edited 19 December 2011 at 5:14PM
    :xmassmile Merry Christmas to ME, Merry Christmas to me :xmassmile,
    :snow_laug Merry Christmas dear me, Merry Christmas to me :snow_laug
    I have a bit of a thing about cabin baggage. Basically always looking for the perfect bag which weighs nothing so I can pack more, but also fits in the hand luggage boxes at the airport. I am always under 10kg, but get worked up about whether it will fit in the box - which it does, eventually :o. (Then I get on the plane and find people have managed to get on with their kitchen sink etc :mad:).

    So, decided to pay for a decent but fairly lightweight one. Rigid, so I don't need to squash it in, and which people have said on the reviews fits Ryanair. £59 - 10% code - 3% cashback = £51.05. I could probably have got it for £47 if I had gone through my works website, but then I couldn't have got it for next week, so to me it's worth an extra £4 for the stress.

    So, Merry Christmas to me, this is my equivalent of Hypno's watch :rotfl:, only a lot cheaper.

    PLEASE let me be happy with this one, please!!!!!! :o

    Edit: Is it sad that I picked that colour because it would go with everything :)?

    Edit 2:

    ProductQtyOrder StatusParcel ref

    Tripp
    Grape lite carry on suitcase1DespatchedNone

    :j:j:j:j:j
    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"
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy Christmas to you :rotfl:

    Love the colour
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
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