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A new start for a newbie

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  • vintage43
    vintage43 Posts: 386 Forumite
    mini10 wrote: »
    Hi there vintage43, just read all your diary and its been a good read? would you mind me joining your gang-? I am loving your tips and will subscribe if thats ok :)

    OOO! Yes, the more the merrier, welcome:j
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    vintage43 wrote: »
    Yes! I had it confirmed today, Boots sale starts tomorrow!

    U r wonderful thank u, better check the list, got £50 of Boots vouchers, from throughout the yr, should of had £50 of points, but I got led astray in 50% sale and treated myself! and got a few prezzies for mum and DD xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • vintage43
    vintage43 Posts: 386 Forumite
    mum2one wrote: »
    U r wonderful thank u, better check the list, got £50 of Boots vouchers, from throughout the yr, should of had £50 of points, but I got led astray in 50% sale and treated myself! and got a few prezzies for mum and DD xx

    I did the same, should just hold off til the prices drop but I can never resist!:o
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • morning vintage just popping in to say hi :)

    *i'm sticking my fingers in my ears to the boots 75% off comments as we're broke lol*

    Dfw :)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • vintage43
    vintage43 Posts: 386 Forumite
    morning vintage just popping in to say hi :)

    *i'm sticking my fingers in my ears to the boots 75% off comments as we're broke lol*

    Dfw :)

    Bless you, i'm skint too but did manage to squirrel away £32 just for this, managed to get all my birthday pressies for the next 12 months, including adopt a bear for my Nephew's, was £25.00 scanned at £5.21!:money:

    ooooh how i love a bargain, but it's kind of what got me into this pickle.
    came home to a gas and electric bill!:rotfl:
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    I got my bargains, so exicted, know mothers days sorted, just got to allocate the rest, reckon make massive dent in the list. Spending £90 in the end... £50 vouchers, then dad and I both chucked £20 in. xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • vintage43
    vintage43 Posts: 386 Forumite
    mum2one wrote: »
    I got my bargains, so exicted, know mothers days sorted, just got to allocate the rest, reckon make massive dent in the list. Spending £90 in the end... £50 vouchers, then dad and I both chucked £20 in. xx

    I know how all my xmas, birthday etc pressies for the next 12 months at least - it feels good! no last minute worrying if I can afford it! and they all look great, even got adopt a reindeer and adopt a bear! How cool! Used my advantage card and got £109 worth for £32, excellent:money:
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    Thats some brilliant bargains, love the adopt a bear and the reindeer idea, xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • vintage43
    vintage43 Posts: 386 Forumite
    Horray! Horray!
    All blood test and scan results show I'm ok, just very very very anaemic, which is why I've been feeling so crappy! so just iron tablets too many times a day and rest for a few days and I should be right as rain.
    I'm going to wander up to the Post Office later to pay gas, electric and Phone bills.
    My oldest son had found a flat he likes the look of and i had said i would lend him the deposit, now because i am going to have to reduce my work hours i'm going to have to say no, he's not going to be happy, but after a night pondering it I have convinced myself that i am doing the right think, at 25 he should be saving to get his own deposit, if he wants something badly enough then he'll do it! Anyway wish me luck breaking the news, i'm going to have a grumpy boy on my hands for a few days.:rotfl:
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • January - back door open and washing on the line drying, what's that all about:rotfl:
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
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