📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Peonie's journey to smart money management

Options
1646567697095

Comments

  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Good luck with the IVF, Peonie. :)
    Peonie wrote: »
    OK, I did it. The legs weren't so bad but my underarms - double ouch. There was even spots of blood.

    I only do legs with mine, and as you say, they are not too bad. I would not be brave enough to do my underarms, and I wouldn't want to grow them long enough to be epilated either, so I'll give that a miss, I think. :eek:
    Peonie wrote: »
    I did not apply for it in the end. I've not ruled out looking for anything in another part of the country in the future. Postponing would be a lovely idea. Even though the job would initially have been a £15,000 pay rise when you look at the cost of living in London and then travelling back home regularly to see family; I think I'm financially better off here. I have a 4 bedroom house in a good area and we're surrounded my family and friends. In London I'd have to pay more to buy a one bedroom flat in a half-decent area. Oh well, I'll keep looking.

    Sounds like a good decision. But then I'm biassed - I wouldn't want to live in London, but I know lots of people feel differently. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Peonie
    Peonie Posts: 1,471 Forumite
    Thanks Lois. I'll keep you all updated when things progress.

    I chose an epilator that will remove 0.5mm of hair - so less than I wait now :rotfl:

    I think London is a nice place to visit but how would I really take advantage of what's there to pay the privilege? Probably not. In reality I would work and go home. In my local city there are still great free museums, a beautiful waterfront, shops I hardly visit and I have a lovely back garden to socialise in.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • Peonie
    Peonie Posts: 1,471 Forumite
    Today was another no spend day. I think I've only bought lunch twice this year. So a huge saving in comparison to what I used to spend which was £25 to £35 a week.

    I really need to tidy the house. Thank goodness my friends can't come. But I did scan my parents wedding photos. In a few minutes I'm going to walk round to my sisters; she wants to borrow a dress for a night out.

    You may have noticed from my signature that I hit my sunny day/maternity/baby fund target :T:T:T:T:T:T:T It is good to have that one out of the way.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • newgirly
    newgirly Posts: 9,347 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Well done hitting that target Peonie :T
    MFW 67 - Finally mortgage free! 💙😁
  • Peonie wrote: »
    You may have noticed from my signature that I hit my sunny day/maternity/baby fund target :T:T:T:T:T:T:T It is good to have that one out of the way.


    :j:j:jWoohoo!!!:j:j:j
    Mortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
    Mortgage OP £50/£600 House Fund £420/£5000
  • Well done Peonie
    :dance::dance::dance:
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Congratulations Peonie! :T:beer:
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Peonie wrote: »

    You may have noticed from my signature that I hit my sunny day/maternity/baby fund target :T:T:T:T:T:T:T It is good to have that one out of the way.

    Hurrah, well done :j:T:j:T
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • Peonie
    Peonie Posts: 1,471 Forumite
    Peonie wrote: »
    Tonight I spent too long at the N3xt sale. The choice was not good. But I picked up some clothes as presents, none for myself, and even put some back that I really did not need to buy. I spent £32 when full price it would have been £65.
    I took back one of the gifts so that's £8.50 back in my account.

    I thought I did not have a summer black top to wear when I help my friend at the bar. So picked a couple up, got home and promptly found a top that was suitable. I took the tops back, nipped into M&$ and bought a lovely summer dress for £2 more than I got back for the tops :o. The dress is 3 sizes too big but it's gorgeous and should be easy to take in.
    Peonie wrote: »
    Nope, they don't allow day suits. So we're thinking about investing in a tux.
    We looked at tuxes in the shops and as Mr P's suit is a similar shape we hope he will get away with wearing a tux shirt and a bow tie.
    Peonie wrote: »
    I have so many activities in the next 5 few months. I received an invitation to a hen party. A 2nd hen party a couple of weeks after the one above. A corporate fancy dress party (tickets and taxis around £115 plus hiring the costumes), [STRIKE]a birthday party at the other end of the country[/STRIKE] - been, [STRIKE]a Christening nearly the other end of the country (we still need to buy a gift)[/STRIKE] - been and done, [STRIKE]a few days away[/STRIKE] been and 2 weddings - one of them overseas, plus 5 birthdays who I buy presents for now 6 birthdays.

    Exercise wise; I'm very behind. While off recuperating I've put back on all the weight it took months to lose. :(
    I've been forgetting to log my distances so I'll have to do some extra catching up in the next few months.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • Peonie
    Peonie Posts: 1,471 Forumite
    I need some help. The 6th birthday (above) is next week and I need bargain ideas for a present. We have to post it so the lighter and cheaper the better. She's in her early 30s. Likes expensive perfume :eek: does not want anything for her home. I'm thinking a cheap piece of statement jewelery or an experience present like tennis lessons.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.