We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Countdown to Freedom

16416426446466471037

Comments

  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi good to see you are improving Tilly.. take it easy when you can though..

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • Morning, busy day out yesterday and glad to get home and into bed :)

    Payday has arrived, the remaining shuffles which I still do are complete. 93p TT to MOS, along with 63p from another account. All helps.

    I have three bills to pay today, one will be from cash, the other two will go on to a CC, to earn cash back then paid off in full via DD.

    We are definitely managing well financially and the fact we are saving whatever extra money comes in, is unbelievable. This would not have happened even four years ago.

    Jobs for this morning - day off - freezer inventory, menu plan for March, walk the hounds.

    I've been reading about the RM surveys and boxes which sometimes have to be posted. Sounds like a lot of frustration as you part with hard cash, then are reimbursed with L2S vouchers, with a bit extra on top. Although frustrating to use your own money, it would allow me to save up L2S vouchers, as I'm sure they can be used in N£xt. This way I'm building a small pot towards DS Xmas gift.

    I feel I need a mortgage goal - next one is to break through £170k :)

    Fairly blue sky here and looking forward to a walk.

    Best wishes Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • brizzledfw wrote: »
    Hi good to see you are improving Tilly.. take it easy when you can though..

    X

    Morning Brizzle, I am definitely improving but boy, I wouldn't like to be like this normally. I feel like I've turned into a right lazy monkey.

    Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    We are definitely managing well financially and the fact we are saving whatever extra money comes in, is unbelievable. This would not have happened even four years ago.


    Such an achievement. Well done! :T
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Morning Brizzle, I am definitely improving but boy, I wouldn't like to be like this normally. I feel like I've turned into a right lazy monkey.

    Tilly x x

    Crikey Tilly, I know what you mean. I've been "forced" to do "light duties" this week, after my op and it's been horrendous. I'm just not programmed to do nothing. I've been like a cat on a hot tin roof!:D
    I feel so guilty for not doing any work, and it's totally daft because I'm self employed so if I want to do nothing, there's only me to tell me off!!
    Funny how we're programmed isn't it:rotfl:

    Anyway, we're off to Cornwall at 2pm (let's choose to leave so we hit Birmingham at Friday rush hour!!) so next week really will be a lazy week (although I'll still be finding time to post on here)

    Have a great day!:cool:
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

    Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • edinburgher
    edinburgher Posts: 14,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm just not programmed to do nothing

    Reminds me of Mrs E after a small op - I had to literally hold her on the couch (in a loving manner!) until her codeine-based painkillers did the rest of the relaxing for her :D
  • @Thistle, Birmingham rush hour sounds like something to avoid :eek:

    I feel mildly envious of your holiday. I haven't been to Cornwall for about 20 years and would love to go back. Maybe that could be a little reward when Mr T starts working again :)

    @Lois, truly, if we hadn't changed our ways we would be scrudled (slightly made up word :)).

    @Mr E, I think GG did that to me verbally :rotfl: Mr T ended up telling me off and sending me to bed - however, now, when I could/should be up and about, I'm dragging my heels.



    OK, I need to get cracking. Freezer here I come.

    Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Why do you need to spend hard-earned cash to post the boxes for the RM survey, do they not come pre-stamped anymore
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • Calfuray
    Calfuray Posts: 1,003 Forumite
    Uniform Washer
    Reminds me of Mrs E after a small op - I had to literally hold her on the couch (in a loving manner!) until her codeine-based painkillers did the rest of the relaxing for her :D

    Oops.. I though your meant op as in OP (Overpayment) and I was really confused :rotfl:
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,854 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    edited 21 February 2014 at 8:52PM
    Radish72 wrote: »
    Why do you need to spend hard-earned cash to post the boxes for the RM survey, do they not come pre-stamped anymore

    Hi Radish, we haven't had to do this yet, but they're discussing it on the RM survey thread on MSE. I must admit, I don't think you should have to pay with your own cash, but if we do have boxes to post, I will be saving the vouchers for DS.

    I don't want to stop as I like receiving the stamps :rotfl:

    Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.