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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
    AlexLK wrote: »
    gallygirl: I bankrupted myself through some unexpected bill(s) after over stretching myself investing in various property. :o Strangely enough, I do know that strategy (buying property one can barely afford) can actually work though I did not quite realise the risk.

    Oh, I thought it would have been the speedboat :rotfl:.
    nattypants wrote: »
    I will have to tidy my tillies as well!

    You can add that to your to do list along with trimming your bush and stripping ;).
    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"
  • nattypants
    nattypants Posts: 2,577 Forumite
    gallygirl wrote: »



    You can add that to your to do list along with trimming your bush and stripping ;).

    Wait ... what???!!! I thought tilly tidies were when people tidied their bush??????!!!!
    February13 - £74990 (or thereabouts)
    MND - Let's go for 2020 'cos it's got a nice ring to it:D
    C'mon nattypants:cool:
  • AlexLK wrote: »
    gallygirl: I bankrupted myself through some unexpected bill(s) after over stretching myself investing in various property. :o Strangely enough, I do know that strategy (buying property one can barely afford) can actually work though I did not quite realise the risk.
    What a tidy bunch of people we must be :rotfl::rotfl:

    You lot have had me in stitches x x x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    gallygirl wrote: »
    Oh, I thought it would have been the speedboat :rotfl:.

    I was bankrupt before any opportunities like that came my way. :(

    Talking of speedboats; I promised myself a Riva Junior before I'm 40, a downsize from the Aquarama I once said I'd like. :D
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    AlexLK wrote: »
    I was bankrupt before any opportunities like that came my way. :(

    Talking of speedboats; I promised myself a Riva Junior before I'm 40, a downsize from the Aquarama I once said I'd like. :D
    :rotfl::rotfl::rotfl::rotfl::rotfl:

    I wouldn't even spend money on a pedalo :D.
    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"
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Not doing it for you: Immagine+786.jpg
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • LydiaJ
    LydiaJ Posts: 8,083 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    edited 2 April 2014 at 12:02AM
    nattypants wrote: »
    Gallygirl, I want you to be the first to know that I have:

    Opened a 123
    Opened TWO 5% tsb's
    Opened an ISA (2 yr tied)

    Does this merit a spreadsheet?

    Financiallysavyme:D

    Who is this who has hacked into natty's MSE ID???? ;)

    Nice to see you posting again, natty. Everything OK in pants towers? :wave:
    Do you know anyone who's bereaved? Point them to https://www.AtaLoss.org which does for bereavement support what MSE does for financial services, providing links to support organisations relevant to the circumstances of the loss & the local area. (Link permitted by forum team)
    Tyre performance in the wet deteriorates rapidly below about 3mm tread - change yours when they get dangerous, not just when they are nearly illegal (1.6mm).
    Oh, and wear your seatbelt. My kids are only alive because they were wearing theirs when somebody else was driving in wet weather with worn tyres.
    :)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 2 April 2014 at 8:39AM
    AlexLK wrote: »
    Not doing it for you:
    I can appreciate it's a thing of beauty and craftsmanship :T. I just don't want one :D.

    So...... spurred on by the RichDadPoorDad game I've set up a new spreadsheet :D called Passive Income. Just based on the btl income + interest from savings less mortgages (including own as that will eventually be rented out). As one house is currently empty it's showing -£228 :rotfl:. That should change in the next few months to around +£282 and hopefully above £450 soon after that.

    Just a slightly different way of looking at things (normally I look at the month on month change in o/s balances with our OP's etc). I like it :T.
    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"
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    So how many spreadsheets is that altogether, gally?

    My temptation isn't usually adding new actual sheets, but adding extra graphs and charts to the ones I've already got. :o
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • skint_spice
    skint_spice Posts: 13,428 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I like the speedboat...:o
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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