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Moooooving back to DFW - one Fresian's continued adventures in debt-busting
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flying_fresian wrote: »PM received
Any chance of you PMing me the info too pretty please
Actually was just coming on to catch up and wasn't sure if you wanted any comments on your SOA ? So ignore me if not:o The only thing that stands out on there for me is your mobi bill at £40 a month - but i assume this is for an amazing phone package and i know you'll have looked into it all first
Happy hump day xCC1:T £[STRIKE]2531[/STRIKE] £1460MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100MF Date: [STRIKE]August 2042[/STRIKE] May 2035Declutter 1000 things by Xmas 2015! 53/10000 -
You do it for six months at a time & get 12 1st & 4 lrge 1st a month.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
[QUOTE=flying_fresian;52545277]
I have 7.5lbs to go until I reach my first goal.[/QUOTE]Now only have four pounds to go till I hit my goal - lost a whopping 3.5lbs this weekDedicatedDFW wrote: »Actually was just coming on to catch up and wasn't sure if you wanted any comments on your SOA ? So ignore me if not:o The only thing that stands out on there for me is your mobi bill at £40 a month - but i assume this is for an amazing phone package and i know you'll have looked into it all first
I got dazzled by the HTC Desire when it first came out and took a two year contract which only has 500MB of internet. I had to pay £5 per month to double that and often go over it
My contract finishes in August, and I'm going to try and save up for a new phone as I can get a good deal with Virgin Media on a SIM-only contract. If I pay for the handset myself, I'll get a bill of less than £20 per month which will work out well over time. Hopefully.
That being said, I'm trying not to get suckered into an iPhone
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can you connect to wifi with your htc? that would save some data usage.
I paid a cheque into the hole in the wall today with helicarp.... should i have put a paying in slip in there? i didn't think i did as i never have before, but it's been a while since i last did it so now i'm panicking!Became Mrs Scotland 16.01.16Became homeowners 26.02.16
Baby girl arrived 27.10.16
Baby boy arrived 16.09.2018
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psychopathbabble wrote: »can you connect to wifi with your htc? that would save some data usage.
I paid a cheque into the hole in the wall today with helicarp.... should i have put a paying in slip in there? i didn't think i did as i never have before, but it's been a while since i last did it so now i'm panicking!
If you paid in via the ATM then you shouldn't need a slip but if it's the quick deposit thing you might do. I'm not sure though as branches in Englandshire have auto-deposit boxes which we don't have here. Check your account this morning and call them if it's not there.
Part of the issue with the phone is that I don't have a lot on at work at the moment so I faff with my phone. We don't have wi-fi in the office0 -
Ooh panicing a bit now as we were in the phone shop the other day and they said 500MB was more than enough and that we'd never reach that usage - although they did say we would if we were watching a footie match on it - which we wouldn't do so thought 500MB would be ok :eek:
Well Done on the weight loss :j I can do with losing some but no pennies for any weight loss clubs or the gym - having said that i'm not eating alot and what i tend to be eating isn't cake / choccy / crisps / sweets - which i do eat just not every day / all the time and i am exercising - flipping thyroid :mad: Oh well !
psychpathbabble - hope the payment you made is in your account ok xCC1:T £[STRIKE]2531[/STRIKE] £1460MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100MF Date: [STRIKE]August 2042[/STRIKE] May 2035Declutter 1000 things by Xmas 2015! 53/10000 -
flying_fresian wrote: »If you paid in via the ATM then you shouldn't need a slip but if it's the quick deposit thing you might do. I'm not sure though as branches in Englandshire have auto-deposit boxes which we don't have here. Check your account this morning and call them if it's not there.
Part of the issue with the phone is that I don't have a lot on at work at the moment so I faff with my phone. We don't have wi-fi in the office
It was the ATM, it's not there. Should I call the branch or national number? Sorry for hijacking...
ETA: Just called the national number and apparently it just depends when the branch staff empty the machine. You don't need a paying in slip. Phew.
Excellent work on the weight loss by the way FF!Became Mrs Scotland 16.01.16Became homeowners 26.02.16
Baby girl arrived 27.10.16
Baby boy arrived 16.09.2018
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I also got 500mb when I got my contract (iPhone, which I love and wouldn't be without - sorry FF!
) and if you do fb/twitter form your phone on a regular basis, it's not enough. Plus every time you upload emails etc, that's more data... So you either need to be disciplined enough not to use it unless in wifi, or get a minimum 1gb of data....
I'm not disciplined, so also pay an extra £5pm for an extra 500mb
SarahVSP: #640 -
each_peach_pear_plum wrote: »I also got 500mb when I got my contract (iPhone, which I love and wouldn't be without - sorry FF!
)
I completely agree with this, I wouldn't be without my iPhone either and I got 500mb with my contract. I am fairly disciplined but I have access to internet at work (which I spend most of the day on:o) It might be worth paying the extra £5 but my contract is £35.74 per month so that takes it back to the £40 you are paying now
Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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