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First year - £42k to £35k....

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Comments

  • beanielou
    beanielou Posts: 96,742 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope all goes well xx
    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.
  • MuffinTops
    MuffinTops Posts: 2,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Good luck with your appointment today. I hope you do get treated to breakfast out too. x
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Hope the appointment goes well x
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks Lou, MT and Beccie. However, I've just had a call and my appointment is cancelled because a doctor has gone off sick. Good job I'm well at the moment I guess. Pleased that I won't have to spend money on parking today though.

    OH took me out for breakfast. We went to Wetherspoons. Very nice too :D.

    In the same place, they have a Pavers shoe shop. We had a quick look and I've seen a bag in there that would be suitable for my sister's birthday. It was only £20. I'm thinking of going back this afternoon and buying it out of my £70.

    I'll need to get the £20 back somehow so that it doesn't mess up my £3.50 a day thing. I've made a good start by withdrawing £11 from Panelbase, so only £9 to go :).

    Gained 45p too as I found it in the pub :cool:.

    Emz xx
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hmm, I've bought the bag, but I'm not sure about it now. I didn't notice the lining earlier. It's rather colourful and I'm not sure about it. I know it's only the lining, the outside of the bag is fine. My mum convinced me it would be okay, but I now have a niggling feeling that it's not.

    The more I think about it, the more I'm convinced that I should take it back. I don't think I would be happy owning a bag like that, and my sister and I have very similar tastes.

    On another note, my mum bought me some bottles of 7up and a packet of mints :D.

    Emz xx
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Okay, I've actually had a change of heart about the bag. It's kinda growing on me. Once I took out all the packaging rubbish, the pattern inside looked much better. I've got 2 weeks to take it back, so will give it a week and see how I feel.

    Done another £1 survey tonight and gained another 6p that was lying around in the flat (finders keepers :D).

    Got some free tickets to see a movie a week tomorrow - A Few Best Men. Not sure what it's like, but I'm not one to refuse a free trip to the cinema ;).

    No money spent today (apart from the bag money, but I will make that back somehow) and I actually gained 51p.

    Emz xx
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Told OH that he could have £100 to spend on Amazon and he has chosen just under £150 worth of stuff. I forgot that he also gave me a pair of Oakley sunglasses for my birthday as well as £100 worth of clothes, so I have said that I will get him all the stuff, but some will be before his birthday, and some afterwards.

    I should be able to get all the items by the end of September at the latest and that will give me time to build up vouchers again in time for Christmas.

    Emz xx
  • beanielou
    beanielou Posts: 96,742 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Emz~None of my beezwax but it doesent matter what your OH bought / spent that was up to him.
    150 seems a lot to me.
    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.
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    beanielou wrote: »
    Emz~None of my beezwax but it doesent matter what your OH bought / spent that was up to him.
    150 seems a lot to me.

    I know hun. As long as I can get it all from survey vouchers, I don't mind so much. I'll just make sure I don't get him as much at Christmas.

    Emz xx
  • Emzilla
    Emzilla Posts: 3,848 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning :)

    Slept terribly last night. It was like a furnace in the flat!! Ended up opening every window. I expect there are a lot of bugs lurking now :eek:.

    Will hopefully be another NSD today, although I think my sister wants to go into town later. I will try to resist buying anything!!

    Looking after my nephew tonight as it's my sister and BIL's wedding anniversary so they are going out for a meal. My niece is up north with her grandparents for the week.

    Emz xx
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