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TallGirl seeks new financial freedom & hope to loose a few pounds on the way.
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That coffee machine looks ace! Your holiday also sounds amazing, what a fabbo Christmas you shall have!
Is Zopa basically where you lend out money and get the interest? I didnt even know you could do that until one of Martin's recent e-mails. So say you lent someone £100 and they never paid it, what happens to your cash? Is it lost or protected in some way?0 -
Is Zopa basically where you lend out money and get the interest? I didnt even know you could do that until one of Martin's recent e-mails. So say you lent someone £100 and they never paid it, what happens to your cash? Is it lost or protected in some way?
Zopa is peer to peer lending to you loan out in £10 chunks but if the person doesn't pay they will pursue it but ultimately you could loose that £10.
I have only had one late payment out of the £1100 I have in there but as you used to be able to get returns of nearly 10% it wasn't so bad.
I liked the fact that you are lending to other people maybe even preventing them from having to use Payday lenders and it also stopped me from spending that money.
Just come back from the vets with Thomas, atopica is working well but as the receptionist said its well expensive thank god for insurance.
Bill came to over £150 which did incl £20 flee treatment which I cannot claim for. He can now start to have it every second day.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest0 -
Morning really bored working from home today as my meeting got canceled as the speaker is stuck after the trains got canceled. Got loads to do just don't feel like it. Next week is chocker but will by then have stayed 10 nights with Hotels.com so get my free night. Well its a free night in as much as you get the average of the other 10 nights off so I think that will be about £70 will be useful for a stay in maybe London I should think.
Need to wrap up some more Xmas presents today for a colleague I am seeing tomorrow at HQ its only a small thing but its the one I did the embarring Secret Santa thing wiht last year.
Really good session at circuits last night although I find I cannot keep going for the whole 45 sec which I is poor. Seeing Darren tonight and also got MS for dinner at local nice pub. Been a bit carb happy over the last few days but blame it on that time of the month.
Had my hair cut 2 weeks ago but not really happy with it. Its too long and not graduate enough so it a mess most of the time. Might go back and ask her to recut it. Also need my nails doing for the holiday may even get my legs vaxed. Actually that would be good I think the lady at the gym does both will check tonight. Wont get a spray tan thats too OTT.
Well back to the grindstone cannot avoid it forever.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest0 -
Focus, focus TG... you'll thank yourself next week when things get busier!
Just keep working up to the 45sec... one day you'll just do it without realising and it'll feel great.MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.0 -
Thanks MRN Darren has me doing 20sec intervals with 10sec rest which was hard but I managed. He is definitely stepped the training up a gear or its too easy records. Booked next Tuesday and hope to do ones last one the week after that. Also booked leg wax and nails the evening before we go.
MS really good must go back there it's so nice but I am sure they knew I was MS. Darren did say I could eat what I wanted as I had worked so hard but I was pretty good didn't even have any alcohol. Scales good at gym my ones at home said 79 kilos which is fab. I won't make my target of 75 before the 12th but happy with what I have done.
Off to HQ again today staying in hotel with gym so will go for a swin. Loads to do before I leave so need to get up now.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest0 -
So after 5 hours in the car, 2 appointments and a late internal meeting at HQ I managed to do a MS at a large supermarket, buy dinner and breakfast (£7) saving my company a fair bit. Phone call home done, pasta salad eaten (sorry Darren not carb free) and now totally knackered and ready for bed at 20.16. Sad sad isn't it as I have a lovely gym, swimming pool and spa at my disposal but I am feeling really sickly (could be to do with that large bag of popcorn I consumed). No channel 4 so cannot watch Sarah Beeny, well moaning and I shouldn't really should I.
Decided my haircut doesn't work so will get it recut, it's just too long and doesn't have enough layers in it, I really don't want to have to straighten it all the time.
Think I better sign off of tonight before you get too fed up with my moaning.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest0 -
Have had a nice relaxed weekend doing the last bits of Christmas shopping but still need to pick up DH's present which is at the Golf Club so not far. Managed 3 session in the gym this week but only did 1/2 this morning as the instructors dad was taken into hospital still worked hard.
Diet has been so so bad its like I am on carb overload. Had egg and toast for breakfast, bacon buttie for lunch but hopefully home made soup for dinner.
Going for a walk in a bit that will help a bit.
DH is wathcing the golf from Sun City that is where we are going and we are also playing that course. I havent watched much but what i have seen it does look tricky.
Busy week ahead, away two nights but all good as only 7 working days left before our holiday.
Better stop now before the golf ends. Hope you are having a lovely Sunday.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest0 -
Managed 3 session in the gym this week but only did 1/2 this morning as the instructors dad was taken into hospital still worked hard.
TG in this weather you need some carbs to burn calories and to keep warm in this weather.
Don't be too hard on yourself - 3 sessions is great. I cancelled my usual Sunday 2 gym classes but in my defence I did at least 3 hours of dancing last night (!) and we went for a 6km brisk walk today - I'm not feeling guilty about cancelling the gym today!MFW: Nov 2008 £156k, Jun 2015 £129k, Jun 2017 £114k.0 -
Ahh your all putting me to shame! Walking up the stairs is a huge effort for me now, that is the most exercise I get
I am housing a small person who apparently weighs 8lb already (eek!) so I will let myself off and read all your posts in awe
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