TYO's 2011 kicking the mortgage into shape...

[Deleted User]

thanks twinklie ...good luck too with your job hunt/decisions...hard when its a good team I know ...

got to ask HOW???? can you not like chocolate???:eek::eek::eek: (*goes to get medicinal cup of tea and chocolate to get over the shock*)

twinklie

I never have. I don't like sweet things (and yet I have 2 sugars in my tea). Don't eat desserts with the exception of rice pudding type things and vanilla ice cream - I'm well exciting I know!! :rotfl:

[Deleted User]

well if you ever get any chocolate as presents twinklie you can send it my way! :rotfl:

have had a bit of a pants weekend feeling poorly need to think positive really...doesnt help havent been able to exercise the last few days and have been eating junk as well :eek::eek: so feeling frumpy and huge to boot!...oh dear...

MF news at least it has pretty much been NSDs all round this week- did see a friend for dinner today but paid for by the fact she owed me some money so came out of the whole affair £10 better off, all amazon stuff for now now sold too and another bag of stuff for charity shop sitting and waiting to be taken
now just to feel better and get head in gear...

twinklie

:grouphug: Awww sorry you aren't well honey. I feel bit bad because I remember you saying you weren't well but don't remember what was wrong. So sorry if I'm being insensitive but the thing to remember is that your health must come first. You are no good to Mrtyo if you aren't looking after yourself. :grouphug:

[Deleted User]

thanks twinklie
feeling a little better this morning so we shall see how the day goes...
yep definitely need to stay positive there is no point wallowing! and yes I am of very limited use to mrtyyo when poorly! ..
think am just finding it frustrating to go back to feeling rough ..

that said, even more incentive to save while I can !

[Deleted User]

SOA...
right...have spent some of today playing around with numbers

Monthly Income: need to wait until end of the month for the figure for this!

Monthly Outgoings:
House expenses:
Mortgage:£571
Ground rent:£92.25 (2 free months in Aug and Sept!)
Home Ins £17

Personal Expenses:
Mobile £10
Life Ins: £31.12
Professional Fees £2.5
Union £11.70

Car and driving expenses:
Car Ins £30
Car Maintenence/Mot £25
Car Tax £10.25
Breakdown:£4 (need to look into autoaid for this - any tips?)
Petrol £175 (rough estimate- may well go up due to vat rises!)

Shopping
Food Shopping £130
Birthday Presents £10
Xmas Presents £20

Other:
Joint account £205
Holidays £70
Spends per month: £150
Contact lenses £23

Added onto this are Savings...
Savings account £200
Mortgage OP £10
Extra available to OP mortgage p/m (need to wait till end of this month!)

[Deleted User]

evening all...
am back into saving-like-hell-mode after considering SOA yesterday , work situation is pretty awful at the minute job hunting definitely needs to be back high on priority list as I think perhaps I was coasting a bit for an "easy" life ...
big motivator to the MF goal I guess ...but I need to make some changes in the shorter term too..

bit of monthly spends blown on comfort shopping today! but did make dinner out of store cupboard to make up for it :rotfl:

twinklie

Awww bless you honey. It's not like you to moan honey, so I'm guessing things are pretty bad. Just remember that you work to live not the other way round. You are important not the stupid job (although I realise it's not as clear cut as that).

Your SOA didn't look that bad to me...looks a damn site healthier than mine anyhoo.

[Deleted User]

cheers hun
think mrtyo gets the brunt of my moaning bless him!! situation is pretty dire (and my complaints about the SOA are more "panic if I dont have a job"!) and just hard to see a way out of it at the moment , but thats probably as today has been particulalry rubbish! I need to have a back up/escape plan tho I think.... have dusted cv and am scouring job sites so at least am being proactive I spose!

not seen your SOA yet I dont think...always like having a nosey , makes me see what else I can save on!

twinklie

Little in the way of savings in mine. :rotfl: