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Enjoying the Sunshine whilst Saving for the Rainy Day
Comments
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JustAboutThere wrote: »The whole multi quoting thing was achieved by having the site open twice and going back and forth on the 'proper' computer. Definitely not going to happen 'out of hours'.
Nope !! I most definitely dont have the patience for that one !!! xx :rotfl:LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
Total Debts JUL 2020 £00.00
Cleared Jul 2020 £96796.75:T
Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 4280 -
I'll do anything to actually knuckle down and focus on that accounting project I really should be doing ...0
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DF(w) I'm sorry you feel the black cloud returning but it's good you can admit it on here and with your Meditation teacher. Hopefully talking about it will help. If I'm honest I feel the same as you so we can try to pull each other through it if you like.
PG, to multiquote you click the button with the pink and orange balloons on for the ones you want to use, then press quote when you get to the last one. They should all appear in the box for your reply XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
please-let-me-be-lucky wrote: »DF(w) PG, to multiquote you click the button with the pink and orange balloons on for the ones you want to use, then press quote when you get to the last one. They should all appear in the box for your reply Xx
Cool. Thanks, Lucky.
Still avoiding accounting project ... (but am doing other work in the meantime, honest).0 -
Afternoon
Thank You JAT, PG, Lucky & Steph for popping by :lovethougI have up days as well as down, but when the down days become more than the up that's when I know I ought to watch things and nip it in the bud as quick as possible. The last thing in the world I want is to be back on 60mg of prozac like a walking zombie, along with all the side effects that come with it. Lucky I can tell by your posts on your thread you're feeling the same :grouphug: We can help each other through for sure :T.
I've had some spends today, £30 on petrol (budgeted) £13 from food budget (not really budgeted for! £2 on a rose for DD to give to her beau, and £1.50 on some muffins for DH which DD chose too. And the rest on a few more fresh bits to get us through to next Weds hopefully.) DH is staying here on Monday/Tuesday whilst I go to mums house and he's keeping the dog with him so I've gone through the cupboards/freezer to see what he can eat on Monday whilst we're gone. Tuesday i'm not sure what we will eat yet. DS1 is staying at his friend's house so we'll be dropping him off on the way back from mums and it'll be 4 of us for dinner. May get a chippy as a treat. Still want to get cinema tickets too so that will be child benefit gone on a chippy and cinema trip.
I need to stay away from looking at houses really because I can't buy right now and i've seen several that I really like for a cheapish price (well I like the location, house i've never been to bothered about in my search as it can be changed inside) and it's probably adding to my gloomy moods.
DD is still ill so think it will be a quiet weekend. The garden is nearly flooded :eek: and several very large puddles on the way to the school run too and it's still hammering it down outside :eek:!
I will try and catch up with some of you in a bitMortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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Hope you have a good weekend DFW..will be thinking of you and sending you hopeful thoughtsMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
^^^ from me too
Granny xTargets
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/p10 -
debtfreewannabe321 wrote: »Afternoon
Thank You JAT, PG, Lucky & Steph for popping by :lovethougI have up days as well as down, but when the down days become more than the up that's when I know I ought to watch things and nip it in the bud as quick as possible. The last thing in the world I want is to be back on 60mg of prozac like a walking zombie, along with all the side effects that come with it. Lucky I can tell by your posts on your thread you're feeling the same :grouphug: We can help each other through for sure :T.
I need to stay away from looking at houses really because I can't buy right now and i've seen several that I really like for a cheapish price (well I like the location, house i've never been to bothered about in my search as it can be changed inside) and it's probably adding to my gloomy moods.
(((DFW)))
I don't think this weather helps anyone and with everything else you have going on it is not surprising that your down days are more frequent.
What a great idea to have some projects on the go - I think HomeStart will be a big help as the people you help will be so grateful for your help and support.
Plus of course the dresser will look fab when you have finished - I remember your last shabby chci creation.
Shame you are not closer I have a telephone table to get rid of - lovely and sturdy but horrible colour and could do with 'shabby chicing'.
I have to agree with you about not looking at properties until you are ready to move - my DH has a similar affliction and then gets depressed when we can't afford things. We are getting a dog once all our cats have gone to rainbow bridge - this is likely to be years so why is DH looking now for dogs:mad:. Then when I say no he gets the hump!!
Hope your weekend is quiet - do you have half term as well next week?0 -
morning - hope you and DD feel better soon. I have a bit of lurgy so can sympathise with your DD.
I love looking at houses I would like to live in. I think that when I can eventually afford it I will know exactly what I want and what I can afford
Hope the water doesn't come any higher in your garden.
Enjoy your weekend. x0 -
Thank You all :smileyhea The sun is shining today and I am feeling better already (funny that!) I think I should emigrate south for the winter to beat the blues hey
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EE I am still waiting back for the police check to be done and then I think I'm good to go on the HS, so that will help a lot I think. I am being driven mad sitting in the house day after day.
I picked up my new dresser yesterday with my lovely friend who drove me over there, helped me carry it and refused petrol money:). I bought us a costa instead which only came to less than £10 and I'd budgeted £20 to give to her for helping. Funnily enough the area we drove to was only around 15 miles away and yet it had such a different vibe to where we live, even my friend noticed it, more relaxed, friendlier. Just reinforced both our plans to move away from where we are now :T. I paid £45 for the dresser (£5 from pocket money and £40 borrowed from emergency) I also bought 4 knobs on fleabay for it for £10 (used money i'd budgeted for friend) so now I just need to see what paint I already have and whether I need to outlay on that as well. I hope not, I can picture me spending more on doing it up than what I paid for the actual dresser right now
. It was definitely a bargain though, real wood not veneer and a nice size. I now have 2 dressers
:D. The more ornate looking one and the larger one is in the front room and my smaller one is in the kitchen....which is a bit of a squeeze really but never mind.
I also had another blow to the emergency fund yesterday. We bought a laptop! Dh's broke a while back (just died) ds1 also went a while back (who knows what is wrong with it!) and mine has been on and off for ages, I kept getting warning signs all day yesterday and Friday telling me the battery needed changing, memory was full, it was lagging and some other codes I didn't understand and then it died :eek:. I've resuscitated it for now and we ordered a new one. We opted NOT to go with Dell as all three of the laptops that have broken are of that brand and we clearly didn't get on well with them! I'm going to clear my one off of pictures/spreadsheets etc when the new one comes and we are going to sell all 3 to someone who buys broken ones. Perhaps we can recoup some money that way. Spends there were £250 so nothing huge but still a dent to the savings.
On the upside my policy matured yesterday, so I now eagerly await payment which is already allocated to savings :T.
12 days to payday:
I have £20 left in the petrol budget
£160 in the food budget or thereabouts
£16 in the kid's club fund (hoping to roll some over as have to pay a trip for ds1 still)
£0 left in pocket money
Next week's fun money for things is my child benefit (£47.10). Once that has gone it will be days in. Zoo passes ran out this last week so will look at either replacing those or getting passes for elsewhere (maybe NT).
Hoping for an easy last week of the month meaning the child benefit then can be put back into savings to cover either the dresser/knobs or some of the laptop or perhaps I might move it over to the ISA. All this depends on nothing cropping up though.
Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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