📨 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!

Return to Solvency

19798100102103275

Comments

  • missrlr
    missrlr Posts: 2,192 Forumite
    yeah, Granny you are back. I can sympathise with your HIM problems, I would offer to swap but I know my HIM problems are just as bad and so that would not be fair.

    Come back just to let us know you are OK. The 6 month blip is icky ... but you are making progress. Remember this, you are getting there.
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Thanks Missrlr, I'm ok just finding life a little taxing at present. My HIM is boss though not OH, who also manages to drive me to distraction most of the time.

    Pleased to report that I have had 3 NSDs in a row now. tomorrow I am going for lunch with a friend and then this weekend I'm going to see DM so probably won't have another NSD until middle of next week. All my bills are paid for the month and most of my Christmas shopping is done but I have no money left, without going into my OD. I'm going to try to watch my spending as much as possible so I can start next year with a new outlook.

    Still haven't told OH about the bill, haven't had the energy to do it and can't do it today as he's working overtime. Will try to tackle it tomorrow before I go away though as otherwise its going to continue to plague me and not him and I think he may have sufficient saved to cover it.

    Nothing much else to write about right now, which is perhaps why I'm struggling to post everyday. The build up to the wedding and saving for it was so hectic it gave me momentum to keep at it, at the moment I seem to have lost that but it will come back.

    I made gluten free goats cheese scones earlier and they did not turn out well at all. I think the birds will like them though. :D

    Gx2 x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    edited 6 December 2012 at 8:35PM
    Granny I have really missed you.

    Just out of curiousity, if the scones dont have gluten in it, what holds them together xx
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    NewLeaf wrote: »
    Granny I have really missed you.

    Just out of curiousity, if the scones sont have gluten in it, what holds them together xx

    I used rice flour instead of normal flour but they were more like bread than scones. They didn't taste cheesy or salty enough really. They weren't as bad as I first made out but I don't think OH will be eating them somehow.

    I just treated myself to a candle lit bubble bath with 6 berry scented tea-light candles and one large smelly candle. It was lovely too. Now I'm lazing on the sofa, eating home-cooked popcorn and thinking about whether to eat my winter veg soup for tea or something more adventurous.

    Hope you are feeling ok this evening x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Bubble bath sounds fab. You definitely deserve it Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love a bubble bath. Maybe start a new challenge in the New Year to get you focussed again?
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    OK so today was most definitely not a NSD as I did some Xmas shopping for DGD2. For some reason I thought we'd done enough until I looked at the presents and realised we'd bought too much for DGD1 and only 2 presents for DGD2. How did that happen.

    So today I bought DGD2's presents. I have one thing to exchange and one more to pick up, with a £10 gift voucher towards its £15 cost and then I think they probably both have too much. This is not a serious problem as I can put some things away for birthdays.

    Other than that I have to finish OH's present buying and get something small for my DM and DF. Then I've finished. I have even bought for DGD1 and DS's birthday's in January so can hopefully get on with my NSDs now.

    I haven't gone to my DM's yet as I realised late in work yesterday that I have an issue with the case I'm looking at that needs HIS input before we decide if I should go and see the client on Tuesday. If I was working to old boss, I'm fairly certain we would be cancelling but as I'm working to HIM and do not know which way the wind will blow, won't know until I speak to HIM on Monday morning. Then I'll have to drive 160 miles on Monday, spend the night with my DM, work on Tues and drive back either Tues pm or possibly early Wed morning depending on the weather. I need to be back home by midday on Wed, so may be pushing it to stay over on Tues too. It's frustrating but I cannot justify/afford to travel until I know for certain that HE still wants me to.

    I have decided to set myself a couple of targets for next year to get me motivated.

    1) start savings fund to go and see DD in Oz in 2014/early 2015.

    2) loss at least 2 stone and improve fitness

    3) declutter and start selling on fleabay. My plans to sell knitted dolls/baby clothes never came to anything so I'm going to knit up a stock and start in the new year. Anything made will be put away to pay for Christmas/birthdays in 2013.

    So that's it for now. Hope you are all having a good day

    Gx2 x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    funny-pic-christmas-santa-plane.jpg

    Father Christmas Calls

    Alex was five; all his Christmas presents were always signed, 'from Father Christmas.'

    A little while after Alex had opened all his presents on Christmas morning, we became aware that he was looking quite down in the mouth for no obvious reason.

    'What's the matter, Al?' I asked.

    'Ummmm, 'replied Alex slowly, 'I really hoped that you and Mummy would give me something for Christmas.'
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    To celebrate Diary post 1000

    BeenThinking.jpg

    :rotfl:
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Love, Love, Love your 1000th post :D Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
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
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K 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.