Reeling from the Reality Check

Historybuff

Thanks guys! How's the p and fs going B?
Have a good Thursday all!

Brogden

I took the week off work HB and I've been trying to justify my existence with doing up the kitchen and garden jobs with the tree men

I have only so far paid off one payday loan - I was paying interest on it so it was no brainer really.

Thing is tomorrow is the last working day of the month and they say that is the time to make offers with DCA's as they are trying to hit their revenue targets

I have a couple where it won't make any difference so I may be able to report on something tonite

Have a good day HB!

Historybuff

Good to see you into the 50s,B!
Low spend going well so far. Spent this morning reorganising the kitchen/diner/utility. Can't believe how many spider webs I caught when dusting the coving! Disgusting! Mightily fed up with the decorating progress. Fireplace STILL not in. Fuming! Waiting for helpers to come and give a lift etc, however, landing is ready for painting. I am now going to insist on getting proper painters and decorators in to finish the job. I so wish I had made OH pay the money to get the fireplace installers to do the fireplace in the first place. I wonder if I will ever get to the stage of normal people and have the whole house as it should be...

in_need_of_direction

Is that what normal is?

Brogden

in_need_of_direction wrote: »

Is that what normal is?

Haha! I lose count how many times I hear people in this house say 'why can't we be a normal family? or 'this wouldn't happen in a normal house' or 'if I had a normal husband' etc etc! :rotfl:

Historybuff

I'm off work...man flu

Brogden

Historybuff wrote: »

I'm off work...man flu

I hope you're feeling better HB

Man flu is the mildest of conditions.....its just for some reason it puts just men into a critical, life threatening state.....I don't know why its just men

If you're feeling rough just cheer yourself up by thinking about how well you are doing with the debt control progress and the emergency fund.

Brogden x

Puzzcat

Love Puzz. x

Historybuff

Well, I'm up today. Still feeling rotten, dizzy and headachy, but first day I've even felt like getting up. This is a NASTY virus. On the plus side, I haven't eaten properly for three days, so must have lost some weight. Maybe I can carry on eating tiny portions of food and get thin! Even better, I haven't spent any money at all.
I've done loads of thinking whilst I've been lying in my bed and reducing to four work days per week is definitely going to happen from after Easter. I don't want to be one of those people who drop dead before they get a chance to enjoy proper retirement. I'm going to make a proper financial plan/forecast for the next seven years lead up to full retirement. Seven years max, but I really want to do it in six. Keep chipping away at the debts and mortgage...it will be all paid off by then.

Historybuff

Received the annual endowment policy statement today. It matures Feb 2016. From the wording on the accompanying letter which says ' over the last few years the rate of return on the deposit fund has been less than the annual management charge, so the unit price has gone down. This has been caused by the drop in interest rates'. So I understand from this that if we continue to pay in, what we will receive at maturity will be less than what we will have paid in due to no growth and the management charge being taken off. We might as well surrender the policy now, unless I have misinterpreted this. Anyone got any opinions, please?