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Swimming BEFORE we start to sink.
Comments
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I would be miffed about the ticket money - when will you get it now?
Having said that I lent someone £10 recently expecting it to be for a few minutes while they went ad got cashback- and its already been 3 weeks and they're not poor! Irritating!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
I'm not sure, in the next week or 2 I guess. Definitely before the end of december else she's not going. :rotfl: I am miffed, but I also expected it so I've got over it already.
I've not got around to listing the last few bits due to sorting out kids iPods. they're iMessaging me galore now.Also sent one to my brother in Oz middle of the night to him :rotfl: Getting excited now....new phone tomorrow. :T
You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Enjoy your new phone!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Well today is payday, though no where near as much as I expected. Our 5 week month is next month not this.
Anywhoo, I've paid all the bills and paid £40 on the CC (20 normal payment, even though I've paid it already and the £20 I got from DD's friend towards the tickets). Have updated my sig line. Feel good paying debts, now to make the rest stretch off to meal plan :eek:
Oh and I'm LOVING my new phone.The rest back from trading my old one in will go on the CC when it hits the bank.
You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Just checked out eBay/Paypal. Paid up my fees for the items I listed the other day, and transferred out £50 so that can go on the CC when it hits. Also got loads of bids listed, some with bids/watchers. Lets hope that lot mounts up nicely as I'm running out of things to sell.
Oh forgot sold an old R4 card need to add more to my £10 a day challenge and of course my money back after trading in and getting a screen protector.You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Well done on the sales of stuff... hope you manage to make the food money stretchAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Well the £19.52 from trading in my phone has hit the bank so has now been teleported to the CC. That's knocked it down a bit, just waiting for the Paypal money to hit now to get it down a chunk more. My Debt buster app still keeps working out the interest on the monthly basis every time I make a payment even part way through a month, so the total is actually lower than stated according to my CC online, but I'm trying to hold out until statement day to knock it down as a moral booster.
Lots more finishing today on eBay which will also help.
Right, lots to do today as this house needs a good clean. DH doing it last weekend didn't happen, and I've only given it a lick and a promise here and there since then so today is cleaning day. I'm also freezing.....but determined to hold out as long as I can before putting the heating on, or at least until the washer has finished so it can dry washing while warming me up. If I can multitask there is no reason why the heating can't too.
Oh and I need to do a couple more surveys. Close to a payout on one so the more I complete the quicker I'll get there and feel like they're worth doing.
Todays List:
* [STRIKE]Clean Bathroom[/STRIKE]
* [STRIKE]Dust pit of a room (girls room)[/STRIKE]
* [STRIKE]Dust slept in only room (my sons room)[/STRIKE]
* [STRIKE]Dust our room[/STRIKE]
* [STRIKE]Put 3 loads of washing away that's sat in our room[/STRIKE]
* Brush and hoover upstairs
* Mop upstairs
* Dust Front room/Hall
* Brush and mop Front room/Hall
* Clean up kitchen
* Brush and mop Kitchen
* Complete Surveys
* Start packing eBay when auctions finish today.
* Washing.... - [STRIKE]2nd[/STRIKE] 3rd Load inYou have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Hi Aiming High - its list like that that make me glad I work full time..... It's not about the money its running away from all those things I ought to do in the house LOL!
Good luck! I keep telling the kids its their responsibility to sort out their rooms. I did the front room yesterday so was pleased about that - and made OH do some work in the kitchen. I got the kids to make tea yesterday too so it was a real family effort (even if their arms were twisted up behind their backs proverbially speaking LOL)Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
lol. Normally it is a family sort of thing. Hubby cleans up after tea and me and the kids go through tidying and dusting etc (they do there own rooms, I brush and hoover behind them) At the moment though I seem to be working weekends and getting weekdays off so every now and then I give it a 'good seeing to'. Plus it stops me going out spending money. :rotfl:
Hubby was laughing at me this morning about the heating. I've always been one that won't be cold in my own house, so wore vest tops with heating on, and today I'm in a thick cardie moaning about having to put it on as I'm cold. LOL
Glad I'm not out today though, it's now hailing outside and not lightly either. :eek:You have to start to finish.
LBM - September 2011 ~ DEBT FREE July 2012
Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
VSP Challenge #69: £18.120 -
Well done on making progress of the debt. Shame about the money for the tickets though. Hate it when that happens.
chevI want a job that is less than an hour driving away from my house! Are you listening universe?
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