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100 months to turn the money situation round

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  • NorthernLas
    NorthernLas Posts: 1,271 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    El - I have not forgotten about your parcel and will PM you once I send it. Have not had time to spit this week :(
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    hey no worries northern lass ... i know how busy busy can get

    well i have been night shift overtime ... it's extra money ... and i'm gonna make sure the overtime isnt in vain and wasted on rubbish ... i should make roughly an extra £100 after tax so with the £100 i am going to put 25% towards my asset planting 30% will be for enjoying/expenses 30% will be towards debt and 15% towards our saving

    i have also managed to pick up another shift in April which will bring in roughly £50 i think i will use the same percentages for that as well

    tomorrow hubby and i are going to learn how to trim our fruit trees ... the nature park that i love is running a course on fruit tree pruning ... we dont have a clue what we are doing and we have several fruit trees on our land so i need to learn how to prune them right ... so a day of education and fun planned for tomorrow

    had to get the car fixed today at a cost of £300 so that will be just shy of £400 spent on it this week ... and nearly £1100 this year not including diesel etc ... i have also been told we need to spend a nother few hundred before it's m.o.t but we dont have to do that straight away so that is something

    havnt heard anything from the guy about land yet .. ... not going to hold my breath but it would be nice if it came off

    in other news i have brushed my hair (yay) i have moisturized ( yay) but no make up ... hubby is slowly starting to feel better again but has now damaged his back trying to keep himself busy ( he has had a bad back for a few years now)

    i'm enjoying reading rich dad poor dad two it is deff giving me a lot to think about.. i will start the tim ferris book next and move on from there
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    Can you salt the extra cash into a spare account that you won't touch so that it mounts up for either emergencies (ie car troubles) or a treat (eg holiday)?
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    just popped on down to the arms ... wishing chris all the best with his bucket list ... may he complete it and many more


    https://forums.moneysavingexpert.com/discussion/3123678
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    The_Dragon wrote: »
    Can you salt the extra cash into a spare account that you won't touch so that it mounts up for either emergencies (ie car troubles) or a treat (eg holiday)?


    well i do try and put £150 a month into an account that is aimed at paying car insurance house insurance and car repairs ... truthfully we need a new car and sooner rather than later so we are trying to save for that (hence the % for saving)

    we are going on holiday soon but have agreed that this will be our last "big" holiday will we are out of debt ... we can no longer justify the amount we spend on holidays to places like Florida whilst we are in so much debt ... we never actually could justify it ... we just kidded ourselves on we could manage it and deserved it ...

    that attitude needs to change for us
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    elantan wrote: »
    well i do try and put £150 a month into an account that is aimed at paying car insurance house insurance and car repairs ... truthfully we need a new car and sooner rather than later so we are trying to save for that (hence the % for saving)

    we are going on holiday soon but have agreed that this will be our last "big" holiday will we are out of debt ... we can no longer justify the amount we spend on holidays to places like Florida whilst we are in so much debt ... we never actually could justify it ... we just kidded ourselves on we could manage it and deserved it ...

    that attitude needs to change for us

    that makes sense (and just seen your mate from the Arms post and think he is incredible!)
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    isnt that some man ? threads like that make me sad/ happy/proud of people on here ... makes you appreciate what you have ... and ensure you live life to the full that wee bit more (well for a wee while anyway)
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    elantan wrote: »
    isnt that some man ? threads like that make me sad/ happy/proud of people on here ... makes you appreciate what you have ... and ensure you live life to the full that wee bit more (well for a wee while anyway)

    Yep I think I need to do a "live life to the full" list!
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    now that would be a list worth reading ... need any help writting it up ?

    how about using the S.M.A.R.T model?

    Specific
    Measurable
    Achievable
    Realistic
    Time frame
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    elantan wrote: »
    now that would be a list worth reading ... need any help writting it up ?

    how about using the S.M.A.R.T model?

    Specific
    Measurable
    Achievable
    Realistic
    Time frame

    Hmm maybe we had better kickstart the thread we set off last year? - this sounds this type of thing it covered
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
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