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The Ultimate Incentive Threadies go all out!

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  • N.I.M
    N.I.M Posts: 2,248 Forumite
    Birdie, the Hogwarts express is running from Shildon to York tomorrow morning, shall I get a tent ready for you 2 to camp out?
    This was 6 months out of date so I've changed it.
    :j:j:j:j
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Birdie, tomorrow the Harry Potter train is going from York to Shildon tomorrow and people can get on for a ride for one day only. If you want to get in the Harry mood.
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    Dinah, I would second what Birdie says, you've had a very busy and emotional few weeks not to mention being ill, make sure you take time out for yourself when you can x

    I think I've come to terms with the end of the summer now, quite excited for Autumn now. I do wish we had longer/better summers but I don't think I'd like to live somewhere where its always sunny, I think I'd miss our seasons. Or am I just kidding myself?!
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    I will be super jealous of anyone travelling on the Hogwarts Express and may have to leave the thread for my own mental wellbeing!
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
  • Ooh that's cool, I'm going to tell my bro to look out for it. He works at the station but its last day so it'd be something good to see!
    Def have some rest time dinah, you've been none stop recently.
    I'm going to join my fitness pal this weekend I think.
    What's everyone else up to? Going for my boyfriends birthday meal tonight but not got much else planned.

    Saving for a deposit: £11,621.15
    20/25lbs
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Lol I wonder if they'll be serving hogwarts themed food on-board?

    Its only a short and fairly stationary list, I just don't think its good for my mental health not to progress on getting the finances sorted as it's really getting to me atm now we've passed the 'year to pay back' mark.
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    dinah why not have this weekend off and you and NIM take it easy ready for a new start tackling the finances on monday??

    maybe make a few lists or ideas but not actually *do* anything cos it all starts on monday.
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    This idea has given me a nervous twitch - we've just had nearly a month 'off' and we're now the worst off we've ever been - taking time off is a luxury I can't afford as we were too lax while away... I need a plan to clear the debt so that I can be all zen-like with my finances again. I promise I'll be good and not do the physically strenuous stuff till I'm less shattered and poorly, but the business needs some time atm (also a great source of stress) and I can see a point in the not to distant future its going to need a lot more of my time, so I really, really want to get the 2 HSBC CCs we're paying interest on cleared before that point and only have the big Barclaycard to worry about. Urgh, I hate money, where's a good ol windfall when you need one?!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • N.I.M
    N.I.M Posts: 2,248 Forumite
    starnac wrote: »
    dinah why not have this weekend off and you and NIM take it easy ready for a new start tackling the finances on monday??

    maybe make a few lists or ideas but not actually *do* anything cos it all starts on monday.

    Might have an issue with that as I've got about 15MS's to do over the weekend for 4 companies :)
    This was 6 months out of date so I've changed it.
    :j:j:j:j
  • Dinah93
    Dinah93 Posts: 11,466 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Bake Off Boss!
    Sig updated a bit more... still no final totals on the two overdrafts until next friday, which is payday, andthe official hump day of our debt, as up until Friday any spends (like petrol and MS expenses, not pretty shoes or food) have to go on a CC.

    Ah yes the MSs. Is it wrong to pray that a bet wins big?!
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
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