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2006 in retrospect
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Debt at highest May 2006: £27,472.24
currently: £13,353.25DFW Nerd 178Proud to be dealing with my debts0 -
1. What did you do in 2006 that you'd never done before?
Had a full on lightbulb moment
2. Did anyone close to you give birth?
One of my customers had a baby in January - and she is expecting another (her 5th) in April!
3. Did anyone close to you die?
I lost two friends this year, both to cancer.
4. What countries did you visit?
New Zealand and Croatia.
5. What would you like to have in 2007 that you lacked in 2006?
a stronger sense of purpose
6. What dates from 2006 will remain etched upon your memory, and why?
12th May - Lightbulb moment
7. What was your biggest achievement of the year?
Paying off over £4K of my debt in 7 months.
8. Did you suffer illness or injury?
A chest infection.
9. What was the best thing you bought?
Not sure, but it probably came from Lidl!
10. Whose behavior merited celebration?
My husband's
11. Whose behavior made you appalled and depressed?
?
12. Where did most of your money go?
Living expenses - bills, transport, food etc.
13. What did you get really, really, really excited about?
Our month long trip to New Zealand.
14. What song will always remind you of 2006?
Money, Pink Floyd
15. Compared to this time last year, are you:
Fitter, happier, more productive?
a) happier or sadder? the same
b) thinner or fatter? the same
c) richer or poorer? I owe less
16. What do you wish you'd done more of? walking
17. What do you wish you'd done less of? wasting money - prior to LBM
18. What was your favorite TV program? Coast
19. Do you hate anyone now that you didn't hate this time last year? No, I don't believe in wasting energy on something so negative as hate.
20. What was the best book you read? The money diet
21. What was your greatest musical discovery? my i-pod
22. What did you want and get? A sausage stuffer
23. What did you want and not get? A case for my laptop
24. What was your favorite film of this year? Memoirs of a Geisha
25. What did you do on your birthday, and how old were you? We were on holiday in Croatia, we hired a car and drove to Montenegro for the day. In the evening my husband took me to dinner in a beautiful restaurant, overlooking the sea, in Dubrovnik.
26. What political issue stirred you the most? The war in Iraq
27. Who did you miss? Several friends who have moved away this year to live in various parts of the country,
28. Who was the best new person you met? I haven't really met him, but I was 'introduced' to Martin Lewis by Jeremy Vine, and he has changed my life.
29. Tell us a valuable life lesson you learned in 2006:
That I need to sort my finances out before it's too late, and that no-one else is going to do it for me.
Official DFW Nerd No 096 - Proud to have dealt with my debt!0 -
1. What did you do in 2006 that you'd never done before? Went abroad.
2. Did anyone close to you give birth?
SIL who was due in March 06....gave birth in December 05.....I'm counting it here cos he is absolutely gorgeous.My nephew and his girlfriend became parents to another gorgeous little boy in July (making me a great aunt at 32 and my sis a gran at 40:eek: ) followed very swifty (next day) by my other SIL.....and another boy! Thats enough for one year!
3. Did anyone close to you die? Not this year..thankfully....had enough of that already.
4. What countries did you visit? Malta....see No. 1...
5. What would you like to have in 2007 that you lacked in 2006? Peace of mind.....the ability to relax PROPERLY....a passion for something...anything (other than OH...that doesn't count).....something that I could do for a living....or just something that would bring meaning to my life...it means something now...but you know what I mean:rolleyes:
I'll have to do these questions in stages...there's loads:eek:0 -
ask for help when you need it people will more often help you than see you get into debt.Mrs_Sparkle wrote:1. What did you do in 2006 that you'd never done before?
got a mortgage
2. Did anyone close to you give birth?
my brothers girlfriend had a little boy and most of my friends
3. Did anyone close to you die?
my great grandma
4. What countries did you visit?
spain
5. What would you like to have in 2007 that you lacked in 2006?
more savings
6. What dates from 2006 will remain etched upon your memory, and why?
june my mums graduation.
7. What was your biggest achievement of the year?
raising my gorgeous little boy he never stops smiling
8. Did you suffer illness or injury?
none9.
What was the best thing you bought?
my new house
10. Whose behavior merited celebration?
my dad he lent us £500 when our car broke to fix it11. Whose behavior made you appalled and depressed?
my father in law as always
12. Where did most of your money go?
i have no idea got to sort that out in 2007
13. What did you get really, really, really excited about?
christmas day the first my little boy knew about he face was a picture but the in laws ruined it14. What song will always remind you of 2006?
from paris to berlin
15. Compared to this time last year, are you:
Fitter, happier, more productive?
a) happier or sadder? happier
b) thinner or fatter? fatter
c) richer or poorer? poorer
16. What do you wish you'd done more of?
sorry but had more sex but my pill killed my libido
17. What do you wish you'd done less of?
seen the in laws
18. What was your favorite TV program?
prison break
19. Do you hate anyone now that you didn't hate this time last year?
my aunt
20. What was the best book you read?
the devil wears prada
21. What was your greatest musical discovery?
none22. What did you want and get?
delirious cd
23. What did you want and not get?
eternity ring
24. What was your favorite film of this year?
?
25. What did you do on your birthday, and how old were you?
probably nothing had a chinese as noah was ill couldnt go out i was 26
26. What political issue stirred you the most?
gay marriges
27. Who did you miss?
my mum and dad we live away from home
28. Who was the best new person you met?
leigh shes a fantastic friend
29. Tell us a valuable life lesson you learned in 2006:back to comping in 2017, fingers crossed :beer:0 -
1. What did you do in 2006 that you'd never done before?
Went to Spain, just for a night out!
2. Did anyone close to you give birth?
Yes!
3. Did anyone close to you die?
No thankfully.
4. What countries did you visit?
Wales, Spain, Yorkshire.
5. What would you like to have in 2007 that you lacked in 2006?
That would be telling!
6. What dates from 2006 will remain etched upon your memory, and why?
6 June. Leeds.
7. What was your biggest achievement of the year?
Gah, not sure I had any, to be honest. I'd say making inroads into my debts but that'd sound a bit cheesy wouldn't it?
8. Did you suffer illness or injury?
No, thankfully.
9. What was the best thing you bought?
A ticket to see Morrissey for 99p off eBay. LOL.
10. Whose behavior merited celebration?
Hmm, not sure on this one.
11. Whose behavior made you appalled and depressed?
Dunno, probably my own.
12. Where did most of your money go?
My budgeting pie chart on MS Money says that the single largest category of spending was my rent.
13. What did you get really, really, really excited about?
Leeds in June!
14. What song will always remind you of 2006?
Shivers by The Wedding Present.
15. Compared to this time last year, are you:
Fitter, happier, more productive?
a) happier or sadder?
Sadder.
b) thinner or fatter?
Fatter.
c) richer or poorer?
Richer. (Well, less in debt).
16. What do you wish you'd done more of?
Travelling, but saved money instead so I'm glad I didn't do more.
17. What do you wish you'd done less of?
Not sure.
18. What was your favorite TV program?
Lost.
19. Do you hate anyone now that you didn't hate this time last year?
No.
20. What was the best book you read?
Not sure.
21. What was your greatest musical discovery?
I'm not sure what a musical discovery is, but the main musical themes for me this year continued to be The Wedding Present, PJ Harvey, Morrissey, The Cure, and Cinerama.
22. What did you want and get?
A ticket to see Morrissey at the GMEX last Friday.
23. What did you want and not get?
A ticket to see Morrissey at the GMEX last Saturday.
24. What was your favorite film of this year?
I think it has been a dry year for films. I did enjoy Happy Feet the other week though.
25. What did you do on your birthday, and how old were you?
Saw Beth Orton. Was 33.
26. What political issue stirred you the most?
The ongoing war in Iraq.
27. Who did you miss?
No-one.
28. Who was the best new person you met?
Nosey!
29. Tell us a valuable life lesson you learned in 2006.
Life is a bit !!!!!! really.DFW Nerd 0350 -
Mrs_Sparkle wrote:1. What did you do in 2006 that you'd never done before?
changed jobs
2. Did anyone close to you give birth?
nope
3. Did anyone close to you die?
no, but someone close to me is dying
4. What countries did you visit?
france, spain and scotland
5. What would you like to have in 2007 that you lacked in 2006?
money!
6. What dates from 2006 will remain etched upon your memory, and why?
january because i met the love of my life
7. What was your biggest achievement of the year?
leaving my dead-end job and getting a promotion in my new one within weeks
8. Did you suffer illness or injury?
not really, nothing new anyway
9. What was the best thing you bought?
my car
10. Whose behavior merited celebration?
my parents, they've been amazing
11. Whose behavior made you appalled and depressed?
no one really
12. Where did most of your money go?
deposits for 2 rented houses, car, food, debt
13. What did you get really, really, really excited about?
going on holiday
14. What song will always remind you of 2006?
the kooks - naive
15. Compared to this time last year, are you:
happier, fatter and poorer lol
16. What do you wish you'd done more of?
money saving!
17. What do you wish you'd done less of?
spending
18. What was your favorite TV program?
x factor
19. Do you hate anyone now that you didn't hate this time last year?
no
20. What was the best book you read?
can't remember the name! it was good though
21. What was your greatest musical discovery?
the kooks and hed kandi
22. What did you want and get?
true love
23. What did you want and not get?
to win the lottery didn't play it much tho lol
24. What was your favorite film of this year?
again, i can't remember. i'm getting more and more tipsy as i type this so please forgive me
25. What did you do on your birthday, and how old were you?
dinner party, 22
27. Who did you miss?
no one really, i have the most special people around me most of the time
28. Who was the best new person you met?
fiance
29. Tell us a valuable life lesson you learned in 2006:
to stop spending so ******* much!!************************31/12/2006 £8395, 01/10/2008 £5089.73, 19/10/2010 £835.00 31/03/2011 £0.00
Pigsback = £9.35 (£30 claimed), Quidco = £128.24 claimedOfficial DFW Nerd No. 264
Debt-free and Proud!0 -
1. What did you do in 2006 that you'd never done before?
got divorced!
2. Did anyone close to you give birth?
no
3. Did anyone close to you die?
yes, my beloved mum
4. What countries did you visit?
none
5. What would you like to have in 2007 that you lacked in 2006?
money and peace of mind
6. What dates from 2006 will remain etched upon your memory, and why?
10 October got divorced, 23 October lost my mum and 19 November got made redundant. it's been a terrible year!
7. What was your biggest achievement of the year?
staying sane despite the above
8. Did you suffer illness or injury?
no
9. What was the best thing you bought?
our puppy. He's brought joy into our lives at a difficult time
10. Whose behavior merited celebration?
my mum, for her bravery and courage throughout her illness
11. Whose behavior made you appalled and depressed?
my ex husband
12. Where did most of your money go?
bills and kids
13. What did you get really, really, really excited about?
nothing
14. What song will always remind you of 2006?
can't think of one
15. Compared to this time last year, are you:
Fitter, happier, more productive?
a) happier or sadder? sadder
b) thinner or fatter? fatter
c) richer or poorer? poorer
16. What do you wish you'd done more of?
spent more time with mum (even though I spent loads with her anyway)
17. What do you wish you'd done less of?
procrastinating!
18. What was your favorite TV program?
Lost
19. Do you hate anyone now that you didn't hate this time last year?
not sure that hate is the right word, but dislike yes
20. What was the best book you read?
lots but loved The Da Vinci Code
21. What was your greatest musical discovery?
none
22. What did you want and get?
puppy
23. What did you want and not get?
mum to get well
24. What was your favorite film of this year?
The Da Vinci Code
25. What did you do on your birthday, and how old were you?
stayed home with my children. I was 43
26. What political issue stirred you the most?
illegal immigrants
27. Who did you miss?
mum
28. Who was the best new person you met?
my new neighbours are lovely
29. Tell us a valuable life lesson you learned in 2006:
no matter what life throws at you, you have to keep going for your kids!0 -
1. What did you do in 2006 that you'd never done before? I travelled into space. Oh hang on. That was 2005! :think:
2. Did anyone close to you give birth? Yes
3. Did anyone close to you die? No
4. What countries did you visit? None!
5. What would you like to have in 2007 that you lacked in 2006? Courage of my convictions! Dunno what it means but sounds good!
6. What dates from 2006 will remain etched upon your memory, and why? None really!
7. What was your biggest achievement of the year? Paying off £10k debt!
8. Did you suffer illness or injury? Only the usual man flu!
9. What was the best thing you bought? [STRIKE]Blow up doll[/STRIKE] Fishing tackle!
10. Whose behavior merited celebration?
11. Whose behavior made you appalled and depressed?
12. Where did most of your money go? Debts
13. What did you get really, really, really excited about? This dream I had, woke up with a ...........
14. What song will always remind you of 2006? The Kooks - She Moves In Her Own Way
15. Compared to this time last year, are you:
Fitter, happier, more productive?
a) happier or sadder? Happier
b) thinner or fatter? About the same weight but more muscley! :cool: :rotfl:
c) richer or poorer? Richer
16. What do you wish you'd done more of? Fishing
17. What do you wish you'd done less of? Only coz me arm aches constantly!
18. What was your favorite TV program? The Simpsons! :j
19. Do you hate anyone now that you didn't hate this time last year? Yes
20. What was the best book you read? Book? Erm!
21. What was your greatest musical discovery? The Kooks or The Fratellis
22. What did you want and get? Something and the realisation I shouldn't have it.
23. What did you want and not get? See above
24. What was your favorite film of this year? Come back to you on that one!
25. What did you do on your birthday, and how old were you? 25 and had a few beers! :beer:
26. What political issue stirred you the most? Who killed Pauline Fowler? :eek:
27. Who did you miss? Someone!
28. Who was the best new person you met? I didn't get her name!
29. Tell us a valuable life lesson you learned in 2006: Lifes a b!tch and then you marry one! 0 -
1. What did you do in 2006 that you'd never done before? I thought I'd answer this question again:D I swam with dolphins...see Q29:eek: ...which I will have to answer again cos I appear to have deleted it:o
4. What countries did you visit? I'm answering this one again aswell....England.....notably...Monkey World in Dorset:D (trust me...anyone one who's knows me will be heaving another sigh...FGS! is there not a monkey/chimp/ape programme that I have NOT watched:rolleyes: ..I have a print of Charlie and a mug with a piccy of Gordan:D )....and Isle of Wight
7. What was your biggest achievement of the year? At the mo...don't feel I've achieved anything...other than not going under (and I don't mean financially:rolleyes: )
8. Did you suffer illness or injury? Other than back/hip/knee/feet probs.....mmmmm ....a likeing for alcohol:o ...which I will get under control...IBS which kicks off in times of stress....but I think this has to be quite severe now...as my body has got used to a certain level of stress over the years:rolleyes: depression..on and off....
9. What was the best thing you bought? now that would be telling....:D ..no seriously can't think of anything....
10. Whose behavior merited celebration? eerrmm?
11. Whose behavior made you appalled and depressed? mine...my mother's...definately my brother's....
13. What did you get really, really, really excited about? ????? This is what I want for 2007!!!! I want to feel REALLY excited about SOMETHING!!!!!!!!
14. What song will always remind you of 2006? I don't really know any of the songs from 2006???? I've listened to old stuff I think........
15. Compared to this time last year, are you:
Fitter, happier, more productive?
a) happier or sadder? neither happier or sadder...more !!!!ed off with certain things maybe...
b) thinner or fatter? :mad:
c) richer or poorer? well...other then paying off debts and bills...I don't spend money...I've no idea what i'm 'saving' for? For when/if 'we' decide to start a family maybe......will be sooner than later hopefully....I've put my life on hold enough....
16. What do you wish you'd done more of? looked after myself more...physically/mentally/emotionally....maybe be a bit less critical of people....a bit less of thinking that what I think of them is the whole person...and not just that bit I don't like??
17. What do you wish you'd done less of? drank...goes without saying really..:o
18. What was your favorite TV program? I've discovered Scrubs....:D Ok I'm watching the repeats but I don't care...
19. Do you hate anyone now that you didn't hate this time last year? no...I dislike everyone the same:p ..he..he..seriously...........I haven't the energy left to hate..
Another break is called for.........god these questions are taking ages...0 -
Your health is far and away the most important thing, do not take it for granted, look after your body, WALK more!Mrs_Sparkle wrote:1. What did you do in 2006 that you'd never done before? Recover from a burglary.
2. Did anyone close to you give birth? No.
3. Did anyone close to you die? Not 'close' but I had met him & he was very close to my best friend.
4. What countries did you visit? Didn't venture further than Cornwall....but that was ace!
5. What would you like to have in 2007 that you lacked in 2006? More time out with my boyfriend & friends.
6. What dates from 2006 will remain etched upon your memory, and why?
2nd May = date we got burgled.
7. What was your biggest achievement of the year? Paid off over £5000 of debts, revamped home security in a big way and sorted the outside of the house out.
8. Did you suffer illness or injury? Suffered with back problems from July to November.
9. What was the best thing you bought? Concert tickets!
10. Whose behavior merited celebration? My best friend for the way she has come through her bereavement, my boyfriend for working his a55 off at work.
11. Whose behavior made you appalled and depressed? No-one I know, just many people out in British society.
12. Where did most of your money go? Paying off debt, where else :rolleyes:
13. What did you get really, really, really excited about? Winning a competition, coming third in a competition, going on holiday to Cornwall, going to see some bands.
14. What song will always remind you of 2006? America, Razorlight.
15. Compared to this time last year, are you:
Fitter, happier, more productive?
a) happier or sadder? Happier
b) thinner or fatter? About the same I think.
c) richer or poorer? I guess richer as I owe less.
16. What do you wish you'd done more of? Exercise, danced.
17. What do you wish you'd done less of? Had to say "Sorry I can't afford to..." Switch on the TV and had to see yet more war, famine & disgusting anti social behaviour.
18. What was your favorite TV program? Strictly Come Dancing
19. Do you hate anyone now that you didn't hate this time last year? No.
20. What was the best book you read? A Brief History of Ukrainian Tractors.
21. What was your greatest musical discovery? 6Radio station
22. What did you want and get? The desire to start again.
23. What did you want and not get? A lottery win!
24. What was your favorite film of this year? V for Vendetta
25. What did you do on your birthday, and how old were you? I turned 35 and I went shopping, drinking, eating, to London...all sorts. Spent a bloody fortune!
26. What political issue stirred you the most? Finding out that the Government puts VAT on things like fruit smoothies but not on cakes!! And many other things that depress me greatly.
27. Who did you miss? My childhood best friend who once again chose to ignore emails & messages for her own reasons I guess.
28. Who was the best new person you met? I wouldn't say I met them this year but a resurrected friendship from 5 years ago happened in 2006.
29. Tell us a valuable life lesson you learned in 2006:
Bank Balance: In the black for the moment.
Sainsburys Loan: Cleared July 2010
Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
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