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

pammyj74

Thank you for all your help and support this year GG
Hope you have a great xmas and new year (I know its early!)

Good to see you are still treating yourself

gallygirl

Suitcase has arrived :j. Is lovely but small inside - extreme packing needed :rotfl:. Time I got a grip anyway and started to leave more clothes in Spain.

Am currently looking like :rudolf:but without the antlers . 3 out of 4 years ended with a cold . Working from home yesterday and had SO much to do, which I managed :T, then down to Asda and a few other shops, back home & mammoth clear-up, then Mr GG arrived and I cooked dinner. I suspected from lunch time that if I allowed myself to stop I would feel really rough so I decided to keep going (these wimps that walk to the South Pole have nothing on me :rotfl:). Finally sat down & did feel really rough but maybe that's because I did too much . Now up because I can't sleep, but no more worek (unless someone in the office who can do something for me) till 4th Jan :j. At least cold will be gone by Spain .

Pondering New Year's Resolutions :eek:.

gallygirl

2012 Challenges

Mortgage #1
£35,627 Currently
£28,808 Target - based on normal mortgage payments (which is quite a bit higher than needed) + regular OP of £200 into offset.

Mortgage #2
£59,236 Currently
£54,549 Target (normal payments only)

Mortgage #3
£37,022 Currently
£35,226 Target (normal payments only)

BTL Mortgage on Late Mum's House
£17,872 Currently
£0 Target :eek:

Overall Mortgages
£149,757 Currently
£118,583 Target
£31,174 Reduction :rotfl:


In addition to that I have set myself some other goals. Some easy to measure, others a bit more subjective:
1. No more accidental house purchases :rotfl::rotfl:
2. By Easter - paint bathroom
3. August I will reach my target weight (the 'real' one, not the official one. I will get below 11 stone) and stay there. This was last year's and I have failed miserably, but have seen a few photos recently and not happy - am still 3 stone lighter than I was but want to lose more
4. October I will have a garden I am proud of. Another carried forward .
5. June - bottom corner of garden to have tiny seating area and new bit of fence.
6 December I will read 12 books off the BBC list. Another carried forward . Santa is bringing me a Kindle so have a load on there already, now all I need to do is read them .
7 Ongoing I will continue sell all possible things on ebay. Another carried forward, but achieved in 2011.
8 Ongoing I will start entering competitions again (& flog everything I win). Another carried forward .
9 Ongoing I will exercise for 30 mins at least once a week Another carried forward , did it for a little while.
10 Ongoing I will meet up with friends at least once a month. Another carried forward, but achieved in 2011.
11 Ongoing I will continue loving life & thanking the Universe for all its' gifts. Another carried forward, but mainly achieved in 2011.
12. Decided I would like to meet some MSEers in 2012 :cool:.

Radish72

Happy Christmas GG :santa2:

Hope 2012 bring everything you wish for and no new houses

Thanks for all the laughs, see you next year :T

CathT

Great list of challenges for 2012, I hope you achieve them. Merry Christmas GG.

katsu

I like the meet MSEers aim GG.

All the best for Christmas

gallygirl

katsu wrote: »

I like the meet MSEers aim GG.

All the best for Christmas

Why, are you volunteering :rotfl:?

Last post of 2012 as off to Spain later this morning :T.

Had heavy cold all over Xmas. Next time this happens I will take to my bed rather than struggle on and get absolutely no sympathy or help :rotfl:.

Still managed to spend online on John Lewis though . All Kaliko, Phase Eight and Planet so good quality and at least one dress will be going back (bought 2 for wedding in Feb).

Have managed to 'chunk up' over last few weeks so have now lost LESS than 3 stone :mad:. Will try to be sensible in Spain and then make a concerted effort when I get back. Have signed up to Mr Bloater's challenge on the DFW but the 1.5 stones I wanted to lose will be nearer 2 stones .

No exciting amounts of money in my account so end of year balances on mortgages remain as above (btl £7 lower but can live with that). 'Little and often' will be motto for next year. DD will be paying me back the 4k she owes me and wants to pay me lots of times during the month when she gets MS money in, rather than one lump sum. Suits me. Lots of excitement to come each time I bung into spreadsheet - will THIS be the one that knocks another month off :rotfl:. V simple sum added to morgage spreadsheet to see what she owes.

_party_:jHAPPY NEW YEAR EVERYONE :j_party_

Tesco_points_addict

Good luck GG:money:

Have a fabulous New Year

TPA

yukkibear

Have fun in Spain and happy new year to you x

[Deleted User]

Hope you have a great new year and a good time in spain! Boo on the cold- same here and I have snored so much with it that mrtyo has been confined to the sofa out of desperation! (poor soul ....) :rotfl:

Ive got just over a stone to lose (as I have had all year!) so up for a health challenge in the new year too!!