A Thread for After Debt?

rising_from_the_ashes

Little_bit_dizzy wrote: »

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

Have a look at this post I made yesterday regarding account rounding and OCD...

*whispers* I think it's catching ....

Honestly, I was moving stuff around in some of my pots last night and a couple have had interest added and are now sitting at £xx.04 / £xx.05 etc and it's really bugging me:o

Little_bit_dizzy wrote: »

rising, thanks for the heads up regarding the big fat M... useful information. I'm going to get my credit report tomorrow I think. I know there's 3 places that do them now. Do you guys get them from alll 3 places or just one or 2? Is there any company which is the best one to start with? Haven't looked for a few years so I'm intruiged to see what it will look like. Don't recall traffic lights before

I did 2 the last time ..... both were OK so took the risk & didn't both with the third - there is somewhere you can check which lenders use which credit agencies but it's escaping me atm ..... will try to remembe (or rather, it'll probably come to me around 3am!)

QueenB. wrote: »

The same crazy cat who eats hair when we have been swimming also chews buttons and zips. Plus he has a major reaction to the smell of bleach, it sends him loopy and frisky:rotfl:makes housework interesting:D

mmmmm I was actually thinking the swimming hair may be down to the chlorine ...... cats are notorious for loving things that are very bad for them like anti-freeze and bleech:( I've got to watch mine like hawks (esp big cat) and can't even put bleech down plugs etc when he's in the house.....

Re Fleabay ... it has it's uses - I got rid of most of the "junk" in the house (although have amassed a new pile since :rotfl::rotfl:) and then bought clearance items and resold them to clear my debts - at one point I bought 500 pairs of slipper socks (in the summer) but the "proper" ones with treads on the bottom for £25 and sold them all for £1.50 so that was around £700 profit .I was totally fed up by the end tho' - all that listing, packaging, many trips to post them etc .......

The night is getting away from me :eek: Can't believe it's 8 already & still loads to do .......

JulieGeorgiana

Okay great news! Someone on my holiday saving thread gave me a great tip about using a different airline! It's going to save me £167 on flights and baggage!!!! (£187 under what I had budgeted for!!!)

AND it flies from Heathrow instead of Gatwick, and DH parents live next door to Heathrow, so free parking and no extra travel costs!!! I was SOOOOOO worried about getting us to Gatwick!

:j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j

samtoby wrote: »

So your just waiting for the baby to pop out?xx

Yup! And so bored and I here bugging you all!!!!

rising_from_the_ashes wrote: »

*whispers* I think it's catching ....

Honestly, I was moving stuff around in some of my pots last night and a couple have had interest added and are now sitting at £xx.04 / £xx.05 etc and it's really bugging me:o

I have £1.46 in my current account driving me up the wall!!!! I got paid MA and transfered a round number... now I am waiting for 25th when DH get's paid... and it's just sitting there... waiting and staring at me....!!!!

samtoby

You won't have time for bugging very soon! Someone will be bugging YOU!!xx

JulieGeorgiana

samtoby wrote: »

You won't have time for bugging very soon! Someone will be bugging YOU!!xx

I can't wait

Although with 9.5 year age gap I worry I've made all my memories rosy and bright... reality could hit hard!!!

Then you guys will never see me...!

mustbemad68

A thread full of mad people - I really do feel at home

I have £100 spare this month - for the 1st time in years- and I'm taking DD2 shopping on saturday so I have bought premium bonds with it today instead of blowing it on things I don't need.
Having savings is starting to become addicitive. I will be getting an ISA next

rising_from_the_ashes

mustbemad68 wrote: »

A thread full of mad people - I really do feel at home

Me too mad ..... it's great isn't it!:D

Honestly, I've been so worried about how to keep on track now I'm DF and sooooooooo worried (about multiple things:o) where it could all go wrong. Feeling so much more positive & in control!

The mix of banter / chat with budgeting and other money tips along the way is just brilliant!:T

I am learning new things every day and actually enjoying thinking about my finances etc - which is something I thought I'd never say!

samtoby

To have spare money is like a dream come true isn't it? I was so frightened about not having to pay things I was so used to living close to the edge. Its taught me how to live on very little and realise that you can still be happy and have very little.

I have a son of nearly 8 going on 18. I hope one day me and OH will have a babe but not for a long while yet. That moment when you see their face. I remember it was like yesterday....the rest of it has gone in a flash. I never believed anyone who told me it went really fast.

xx

JulieGeorgiana

Rising I never thought I would enjoy it either... it was always something to worry about

Sam it took me a long time to realise that living in a tight budget made me happier. When I eat my food I am proud that I cooked it from scratch, bulked it out and saved myself some money. When I go out for a walk with my family things are just so simple... and we can just be a family together... laught, walk and talk... and I love picnics! I love it when DS finds the great bargains in the charity shops....! I found that having a tight budget has made life more simple... and having a more simple life has made me appreciate my family so much more. Life has more meaning now

And I agree 8/9 years... just a flash! They just grow up so fast! I am trying not to think about how fast the next 9 years is going to go...! This is why DH and I decided that with being debt free instead of having extra money each month I would become a SAHM instead... because they just don;t stay young for very long... and I want to treasure every moment

I am being too hormonal and emotional tonight *sigh*

girlatplay

I'm just as anxious about getting my savings balance up as I was getting my loan balance down!

Little Miss Gap is 11. Not entirely sure where the last 11 years went...

xx

mustbemad68

JulieGeorgiana wrote: »

Rising I never thought I would enjoy it either... it was always something to worry about

Sam it took me a long time to realise that living in a tight budget made me happier. When I eat my food I am proud that I cooked it from scratch, bulked it out and saved myself some money. When I go out for a walk with my family things are just so simple... and we can just be a family together... laught, walk and talk... and I love picnics! I love it when DS finds the great bargains in the charity shops....! I found that having a tight budget has made life more simple... and having a more simple life has made me appreciate my family so much more. Life has more meaning now

You are so right JulieGeorgiana, I think we are all happier living on a tight budget, it certainly has made me appreciate everything more. Every bargain gives me such a kick now - I don't need to be so careful but really enjoy getting as much as I can for every penny that I have earned.
My DD1 is 17 and DD2 is 15 and the time seems to be speeding up the older they get.