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Time to 'grow up' - the slippery slope to 30.
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Nothing to beat my wee I.Q. you know.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 -
Bah, have had such a busy day I've only just sat down properly so haven't had chance to do my budgets. I can at least update on my spends though..
£1.95 on sandwich for lunch
£8 for train fare
£6 for school 'christmas theatre contribution form parents (£3 each *rolls eyes*)
£15 for top as treat to myself (on card)
£18 and £9 for an xmas presenta for youngest (on card)
£35.99 for another xmas present for a best friend (on card)
£11.99 on work meal out
£3.99 on tequila sunrise
Oh dear.... :eek:Total 'Failed Business' Debt £29,043
Que sera, sera.0 -
immoral_angeluk wrote: ȣ35.99 for another xmas present for a best friend (on card)
I read this that you'd spent £36 on a card... :eek:
My flabber was ghasted!immoral_angeluk wrote: »Oh dear.... :eek:
Some expenditure is inevitable. Just keep keeping an eye on it."Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
I read this that you'd spent £36 on a card... :eek:
My flabber was ghasted!
Some expenditure is inevitable. Just keep keeping an eye on it.
I don't do christmas cards full stop. I think they're a waste of paper and trees as they just end up binned/recycled after xmas anyway. The only cards we've done have been from the girls to their school friends..Total 'Failed Business' Debt £29,043
Que sera, sera.0 -
Finally! I've managed to update my budgets and signature to take into account all the added expenditure. :mad: I'm especially not happy about my signature BUT the part for my car was delivered today while I was out so I've got to go pick it up from the depot. Because of that I've managed to book my car in r it to be fitted Friday morning... YAaaaaaaaaaaaaaaaaaay! I'm not going to get chance to try fitting it myself before friday so sod it. I just want it fixed now! :rotfl:
So anyway, here's my updated budgets.
Food £50.00
Petrol £30.00
Social £10.00
School dinners £0.00 (kids break up friday!)
car £50.00
Dance £15.00
Bills £51.50
total out £206.50
total
£259.17
surplus £52.67 This is going to have to be split between the 2 credit cards which are approaching their limit and even though it's highly unlikely any interest would put them over, I was a bit more 'breathing space' between the balance and the limit to prevent even the smallest risk. So I'll be paying £25 off each card to bring them down a bit.
I get paid Tues and will be updating my monthly budgets then to work out exactly what I have left and if possible I will be trying to pay as much of this off CC1 as I can. My dad has given me £100 to get me and the girls his presents to us from him, so will be using the majority of this for stuff for the girls (I'll get myself something for £10 or so so I can spend most of it on them but at least he knows I've got something for myself!)... He's also said he's going to lend me some money until payday to get the rest of my xmas presents rather than rush getting them after Tuesday which is going to be absolutely chaotic.
Why do these things always come up at christmas??? :wall:Total 'Failed Business' Debt £29,043
Que sera, sera.0 -
Just popping up to say Yes Vauxhall dealers do suck, I have just left working one! I have an older corsa as I hate the new ones.
Wish I could afford a shiney new car but think will have mine for a good few years and its 6 years old already even though I have only had it a year.Now a SAHM trying to earn some spare pennies each month0 -
lilmissmup wrote: »Just popping up to say Yes Vauxhall dealers do suck, I have just left working one! I have an older corsa as I hate the new ones.
Wish I could afford a shiney new car but think will have mine for a good few years and its 6 years old already even though I have only had it a year.
Mine is 10 years old, and will be on the go for some time..."Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
Tbh I like my little car but if i hadnt worked for vauxhall i would have spent about £1000 getting it fixed in the year i have had it. Have instead spent £3k on everything it needed and that includes buying the car at trade price and insurance. now working for volvo but get no discounts for first year might have to see if can ask old work collegues to help me as needs tyres now!Now a SAHM trying to earn some spare pennies each month0
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I'm just still amazed at the whole thing.
A) that the garage wanted to charge £400 for the priviledgethat THIS cost £100! A lump of dusty metal and plastic... :eek:
All in I'll end up saving £200 just by sourcing the part myself. Absolute crooks!!Total 'Failed Business' Debt £29,043
Que sera, sera.0 -
Quick evening update.
Fetched my part (see link above!) and it definitely looks like the right one based on all the research, which is lucky :eek: Roll on friday when I can finally relax! I had to drive a 28mile round trip to pick up the part from the depot as I won't be in tomorrow for them to redeliver (and couldn't guarantee anyone would hear the door at work to accept a delivery...) but I HAVE IT and that's all I'm concerned about.
On the way we had maccys for dinner with money given to me by my dad, and also got a fair bit of xmas shopping done (on a budget) on the way back. Not too much to do now, mostly what's left of the girls' stuff plus a few odd bitsLooking forward to hopefully getting it done and dusted over the weekend!
All in all today hasn't turned out too badly. It was stressful and hectic at work, so was feeling a bit crap after work. But feeling happier now and looking forward to the weekend. My eldest and DP are doing a charity run dressed as santas to raise money for the Newlife foundation which is a charity which helps disabled/sick/terminally ill children. It'll be her third charity run in her 6 years. I'm very proud of herTotal 'Failed Business' Debt £29,043
Que sera, sera.0
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