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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
    Order it Pammy - I'll be handing it back in a day or two ;).
    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"
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    It says its in northants central. dont know where that is? I think it costs to have it transferred to mine.
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    pammyj74 wrote: »
    It says its in northants central. dont know where that is? I think it costs to have it transferred to mine.

    Cost me £1 I think. Worth it though :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"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 11 March 2012 at 10:33AM
    :jThe Sun Has Got His Hat On, Hip Hip Hip Hurray :j

    Gardening later :D

    Went through finances yesterday, still a bit :eek:.

    Plan from start of April is to budget better :o. New savings account set up, and the associated spreadsheet now has 10 pots, plus 1 for own btl in/outs. I will be funding the account with £574.79 a month :eek::eek::eek::eek:. Apportioned as:
    1. house insurance £15
    2. car insurance £35
    3. car repairs, MOT £41.67
    4. car tax £2.92 (hardly worth it, but it is paid on ccard so it's in there)
    5. diesel £250 (may need to adjust upwards :eek:)
    6. dentist/optician £20
    7. work - lunches for staff etc £35 (hmmmmm............. that seems too high)
    8. rockchoir £25
    9. Xmas, birthdays, holiday with friend £100
    10. clothes £50
    Took a while to work out how to do it, but will allocate spends as they happen, and transfer out £ when ccard due.

    So, with all DD's and planned OP of btl, plus my weekly cash budget of £125 I have £19.03 spare each month :eek:. (Which means when the £125 is not enough I can't just lift more :rotfl:). This will be .............. em.............. challenging :o. Happy to admit failure and reduce monthly OP's a little, but am working on the principle of 'Pay Yourself First', rather than spend and then OP whatever is left :o.

    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"
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,854 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Morning GG, I run our finances this way and it has made a significant difference. Although it may take a whole to sort it out, the benefits are worth it. It also helps with the 'remember to have a life' aspect in my mind. I still want to send the kids in school trips, or have a great meal out without feeling guilty, some the money all switches on payday.

    DH is now reading the neighbour book and enjoying it. Good to see him getting so interested in all this stuff and hearing him talk through choices of needs not wants.

    Yep, enjoying the sun here too - really makes the heart sing :)

    Best wishes, Tilly
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Gardening done - in shorts & vest top! Grass cut :j and all garden weeded. [STRIKE]Laid some turf [/STRIKE] dug up and moved some weed infested green stuff. I now have a nice triangular area at the bottom of garden which gets the sun a bit later than the rest. I dug up a tree & some shrubs from there last autumn, just made it a bit bigger. Planning on putting down some stones and getting a few chairs (but don't have a gardening pot so will have to be creative with accounting :rotfl:), but need to get a fence post & panel replaced first.

    12 items listed on ebay, loads more to go but internet v slow so took too long to upload photos.

    All in all, an enjoyable weekend and long may the good weather continue :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"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    gallygirl wrote: »

    12 items listed on ebay, loads more to go but internet v slow so took too long to upload photos.

    1 sold, bought for £4, sold for £10 so after fees I've just over doubled my money, hopefully a little more as I'll post at work so cheaper postage :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"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 15 March 2012 at 9:27AM
    3.gif my bank accounts are v boring - no money in or out this week 3.gif

    :D ebay going well though, 3 more items sold Tues and again yesterday :D

    :eek: last workman still hasn't sent me invoice so don't really know what I owe him, have estimated £975 :eek:

    :rotfl:email to say quidco payment sent. Logged on to find it's £1.25. Don't think it will knock a month off my mortgage though :rotfl:

    :( done projected ins & outs on house account for rest of year. Projected shortfall (including o/s bill) of just over 1k. Means the extra £200 per month going into offset will have to be robbed :(
    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
    My back accounts seem to be losing money at a great rate of knots. I long for a "boring" one :rotfl:

    As for quidco - £1.25 is £1.25.....in my world, that's a whole bar of 85% chocolate :D
    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)
  • Weronika
    Weronika Posts: 260 Forumite
    hypno06 wrote: »
    My back accounts seem to be losing money at a great rate of knots. I long for a "boring" one :rotfl:

    As for quidco - £1.25 is £1.25.....in my world, that's a whole bar of 85% chocolate :D

    I second that on both counts:D give me a boring account and free chocolate anytime:D
    Debt: [STRIKE]-£77.299 74,209[/STRIKE]-£72,860 Projected MF date(age):[STRIKE]2044(63)[/STRIKE] 2029(48)
    Credit Card 0%: -£1,800 Reg Saver: £4000/£6000 ISA: £0/£2500

     From March 2012: Mortgage OP: £160 pcm     (saving 29k):D
    Apr 2013 Goal: reduce balance to £72,000 to get 60%LTV & better deal
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