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10 months in and 90 left to go ... the reality is starting to kick in :)

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  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    That did make me chuckle!:D

    1st thing I did when I got in was log-onto online banking as it's VSP transfer day ..... and there was only 38p (so I was really disappointed!) - decided to leave it until tomorrow & see if it's anymore then!:o

    Well done on the speaking thing - I nearly broke out in a cold sweat just thinking about it .... that kind of thing fills me with terror :o

    What's vsp transfer day ?

    I am the same with speaking myself rising, I think a lot if the reasons I'm not getting a job is because of my nerves, so this is to help me learn how to manage them better
  • catshark88
    catshark88 Posts: 1,099 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Glad you are enjoying the speakers club. Sounds good fun and I bet it will be informative.

    I'd go, just to be one of the younger ones, lol!
    "Have nothing in your houses that you do not know to be useful, or believe to be beautiful." William Morris
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    That is one of the things I enjoy as well :)

    As I joined last night I was walked up to the podium ... So had a handsome 70 odd year old man hold my hand and treat me like a lady ... They are very sweet people :)
  • elantan wrote: »
    What's vsp transfer day ?

    I am the same with speaking myself rising, I think a lot if the reasons I'm not getting a job is because of my nerves, so this is to help me learn how to manage them better


    VSP ... Virtual Sealed Pot Challenge https://forums.moneysavingexpert.com/discussion/4320309

    A bit like a Tilly round up but you do it a set day each week and round down to either the nearest £5 or £10

    Aiming to save for a new Dy*son this year :) (if it doesn't end up having to pay off some of the OD!)


    Even more well done for the public speaking if it terrifies you :T

    Actually something I must think about - I tend to get interviews (when there's jobs to apply for :eek:) but absolutely terrible at selling myself at them :(

    Most jobs I've got have either been as I've been there on a temp / agency basis (and the interview's not mattered as much as they know my work IYKWIM) or where the interviewer has also been terrible!:rotfl:

    BUT I really want to move jobs this year so .... another thing on the "to do" list!:o
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    That's the reason I'm doing it rising, I am terrified at interviews, I am over qualifies for the jobs I go for with more experience than they are looking for and yet I still can't close the deal, so I am hoping this group will help me address that


    Ahhh VSP right got ya :)
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Wooooo whoooo the £5 is in today ( so will keep that in mind for the future) transferred the £5 over ... Every little helps :)
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Shopping bought this week, it came to £23.45 which is much less and I am happy with it , I did forget to buy froze. Veg but will buy that through the week

    I also bought 4 tins of tomatoes, one spaghetti , mushrooms and two sausage casseroles that I didn't have on my list but they were all in special and are on the menu plan so it made sense to buy them.

    Mr el and I went out to a village about 45 mins drive away to go and see about wood burning stoves, we have some goo ideas now about what we would like to do, but it would cost about £10k to do, we don't have a budget for anything like this so have decided to start a new budget for home improvements, it will take me a long long time to get anywhere near what we need, but the sooner I start the sooner I will make it :)
  • beanielou
    beanielou Posts: 96,024 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Faints at thought of 10k for a wood burning stove.
    I know nothing of these things.
    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.
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I know beanie ... That was for two stoves to be fair, we also don't have a flue so would need one of them fitted, between that and the roofing guy the other night were sitting here think ehm maybe we need to save a good bit if money for home improvements lol
  • taxi73
    taxi73 Posts: 20,815 Forumite
    know the feeling about needing loads of money for repairs as we have loads to do here too but has been put on hold for the last 3 years..sigh
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