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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
    Message to say Dave the Approved Food delivery driver will be here between 11.03 and 12.03 :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"
  • 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, that's fab news on the mortgage front - missing the 11s was a result, so close now :T:T

    I love the AF texts, I know some people have had problems but I found their service to be good. Kids loving raiding the boxes to check out the goodies - I have a years supply of tinned toms and kidney beans :eek: if this weather continues I may have to start making chillis again rather than the usual salads in the summer so that may dent my stock somewhat - when is the better weather supposed to arrive?

    Let's hope Dave isnt 2 or 3 minutes late, he has a very specific window :rotfl:

    Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Sepa74
    Sepa74 Posts: 962 Forumite
    Gally, I am concerned about your cold feet!

    You need a hot water bottle. It's sovereign!
    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
    Tilly_MFW_in_6_YRS wrote: »
    Let's hope Dave isnt 2 or 3 minutes late, he has a very specific window :rotfl:

    Tilly x


    Dave arrived well within his allotted time :D. All packed away nicely :T.

    Sepa74 wrote: »
    Gally, I am concerned about your cold feet!

    They are not very cold today, even although they are 'out' in sandals :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
    Well, exciting news here. Managed to get Mr GG to come and look at a piccy on the computer of a "but if we WERE going to get a dog when we moved to Spain, yes I know it's a mythical dog, but if we WERE going to have one, this is the type of mythical dog I would like, don't you think it looks nice?" :D. Ok, so he said it was horrible, even for a mythical dog we weren't going to have (was a cute little Jack Russell), but this is v big progress :T. Especially as his reaction was much more negative to THIS ONE which I think has a lovely face :rotfl:. Things are looking up :).

    (We won't talk about his pension projection as that was NOT good :(, though it was only his main bit, not his AVC's)
    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
    Ooooo exciting news on the dog front gg!!!
    Ill see if I can get mtryo to have a word, he now talks about "your dog" (to me) persuasion/brainwashing can happen!! :rotfl:

    Boo on the pension front - I have to admit that is a bit of a neglected topic here, tho we both pay into them I have not looked into it properly in terms of the payback etc..

    Glad Dave arrived on time - havent looked into approved foods but am tempted by it as have heard good things! what kinda things do they stock up on?
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 8 September 2023 at 3:57PM
    Deleted_User wrote: »
    Ooooo exciting news on the dog front gg!!!
    Ill see if I can get mtryo to have a word, he now talks about "your dog" (to me) persuasion/brainwashing can happen!! :rotfl:
    I won't mention it for months now. Slowly slowly catchee monkey ;).
    Deleted_User wrote: »
    Boo on the pension front - I have to admit that is a bit of a neglected topic here, tho we both pay into them I have not looked into it properly in terms of the payback etc..

    Well, if he's looking to retire at 55 that's 10 years less he's paying in and 10 years more they'll be paying out for so not surprising really. Like I said, he needs to find his AVC info too.
    Deleted_User wrote: »
    Glad Dave arrived on time - havent looked into approved foods but am tempted by it as have heard good things! what kinda things do they stock up on?

    I stocked up on around 80 packs of couscous and 30 of savoury rice, plus some plain bulgar wheat and a few other bits n pieces. They had an offer of Thai red curry paste for 1p a sachet (may even have been 1p for 12) so I bought that also - I've made it with skimmed milk rather than coconut milk as (still) trying to lose weight - not the same but still v nice.

    Mr GG still in bed. Wonder if he's dreaming of dance.gifdoggie.gifdox.gifpink_poodle.png;).
    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
    Hi GG, reading Millionaire Next Door - food for thought and provoking discussion in the Tilly household.

    Have a good weekend :)
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • unhappy_shopper
    unhappy_shopper Posts: 1,304 Forumite
    Tilly_MFW_in_6_YRS wrote: »
    Hi GG, reading Millionaire Next Door - food for thought and provoking discussion in the Tilly household.

    Have a good weekend :)

    Here is an online :money: copy of this book for fellow MFWs. Enjoy!
    Mortgage: @ Feb. 2007: £133,200; Apr. 2011: £24,373; May 2011: £175,999; Jun 2013: ~£97K; Mar. 2014 £392,212.73; Dec. 2015: £327,051.77; Mar. 2016: ~£480K; Mar. 2017 £444,445.74
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    unhappy_shopper wrote: »
    Here is an online :money: copy of this book for fellow MFWs. Enjoy!

    Off to do some reading :T
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
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