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Trying to get on track

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  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Welcome back to your MSE home :D

    All sounds rather hectic, hope you get to slow down and relax again soon. :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • in_need_of_direction
    in_need_of_direction Posts: 7,772 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hello poor neglected diary and how are you? Am I the only one who finds it easier when pushed for time to nosey through other diaries rather than updating my own? Well, money shuffle done yesterday and the 10% target is firmly in my sights to be hit next month. I told oh that we needed to come up with an extra £300 and he looked at me like I have two heads. I can't believe he doesn't get that that has been happening. Anyhow, am in Germany with work so things are a bit spendy. I went to nice butchers at the weekend and spent £50 then did a big asda shop that was £128. Is it just me or are prices rocketing. Also, having exclude the £2k op to the mortgage as it was a one off windfall, I can report that I missed q3 target by £60. Want to recover that and hit target for year end. It will be a stretch but I'm due some expenses which will help. So, gotta get ready and head to a corporate thing. Hope it's not too late a night and hope everyone is well.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 6,744 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    in_need_of_direction wrote: »
    Is it just me or are prices rocketing.

    Nope, :( Same situation here too :(

    Hope you have a productive evening and safe travels round and about the continent for you.

    Greying
    Pounds for Panes £7,705/£10,000 - start date Dec 2023
     
    Grocery Spend September 2025 £48.97/£200 
    Non-food spend September 2025 £22.33/£50
    Bulk Fund September (month 9 of 12) £4.80/£40 
  • in_need_of_direction
    in_need_of_direction Posts: 7,772 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Am still trying to get some structure to thoughts. I forgot (don't know how) to report that despite holiday spends, we managed to clear the credit card this month. I love that I can earn points and not incur any interest. I did some Christmas shopping on line today as I had a voucher for £10 off a £20 spend. Even with the postage and packing charge,I'm still £5.05 up so need to transfer that to the mortgage. Other news, I picked up a new client and, even more exciting, have been approached about a possible new job. Basically delivering what I currently do but for a competitor for a significantly higher salary that, for me, demonstrates their willingness to invest in the function. I have an informal interview scheduled for Friday lunchtime so will know more after that. Today I am grateful for
    Feeling valued
    A helpful colleague
    Someone sorting an issue for me
    My very patient oh who I hate not spending the night with.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • beanielou
    beanielou Posts: 96,024 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    What a lovely post :)
    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.
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Great news :)
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • mfmaybe
    mfmaybe Posts: 1,176 Forumite
    Tenth Anniversary 1,000 Posts
    Great news INOD. They would be lucky to have you.
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
  • in_need_of_direction
    in_need_of_direction Posts: 7,772 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So today I should get a full day when I'm office based. I've so much to do but it's cold out there. Still, I can do a partial slob with trousers and a cardy rather than a suit which helps. Have started to give some thought to tomorrow's interview. Have invited a friend for lunch to discuss my approach and am thinking of getting my nails done this evening. I can't believe I'm being so laid back. Maybe I'm just too tired to get stressed about a possibility that may come to nothing. Dd's friend is still in residence however we are now into the second week so hopefully it will fly past. Anyhow, up and at em. Take care
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Good luck for tomorrow.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • in_need_of_direction
    in_need_of_direction Posts: 7,772 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Today I am grateful for
    Resisting the lure of a meal out as we had food in the fridge
    Getting some jobs out the door
    Boots Christmas catalogue - I love it
    A supportive colleague.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
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