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Carrot cake in the oven

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  • in_need_of_direction
    in_need_of_direction Posts: 7,744 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    that was some going on the adpoints
    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.
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    in_need_of_direction wrote: »
    that was some going on the adpoints

    Thanks

    :rotfl: Sat and did it while watching a film - multi-tasking :rotfl:
    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
  • giblet1979
    giblet1979 Posts: 864 Forumite
    Eighth Anniversary Combo Breaker
    Hey,
    So glad that today went well, and fingers crossed (and sending good wishes) for another good day tomorrow :)
    Gib x
    Debt remaining: :(
    Mortgage - £117,759 (£134,600, Nov 2013)

    Work overpayment and home improvement loan paid back (£19200) :beer:
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Hi hi it's official. I've done the right thing. Thank you to everyone for your keeping me going. Yes still a lot of MSEing to make it work but wow, so pleased. Big tired smiles. :) and a good sleeps tonight. :)
    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
  • VeronicaMars
    VeronicaMars Posts: 181 Forumite
    Debt-free and Proud!
    in_need_of_direction wrote: »
    Why do you need your overdraft as a safety fund now that you have a safety fund?

    Dam these smart people coming up here and showing off their smart ideas... :money:

    I HATED my overdraft. Ohhhh my I HATED it. My mind didn't work the same way with an overdraft as it did with credit cards. Even though I had a £2,500 overdraft. It was like a never ending black hole that I could not get out of.

    My debt free journey never really started until I cleared my overdraft!

    Banish the overdraft for ever more! Be gone! x
    Originally debt free 27th November 2014 :T

    Mortgage July 2016 - £175,295.00 | Sept 2017 - £167,350.00 | Sept 2018 - £162,926.00
  • in_need_of_direction
    in_need_of_direction Posts: 7,744 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Brilliant news supersaver. I'm so glad that it's working out for you. The other stuff will fall into place.
    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.
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Excellent news SS, I am delighted for you. :T

    It was a brave step to take and life will be richer because of it. :)
    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
  • Shelbi
    Shelbi Posts: 744 Forumite
    Debt-free and Proud!
    Hi Supersaver1000,

    Just finished reading through your diary, wow you've done amazingly well especially with the stress of the old job, i've been really inspired...Congratulations on your new job, im so happy its worked out for you!! Onward and upward for sure:j:j..ive subscribed and cant wait to read more about your journey to financial freedom, youre definitely on its way:T... ill be checking in again soon..heres to new starts:beer:....Goodnight x
    DFD-01.03.2018:starmod: :beer::T
    Maternity Savings- £2000/£10,000
    Emergency Fund- £1,000/£5,000
    House Deposit- £0/£25,000.
    NSD November 2/30
    Make £5 per day- £128.48/£155
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Thanks Shelbi. Am ultra tired tonight. Only day 2 and I'm worrying that I'm not up to speed. What am I like. Am going to have a chat with my line manager tomorrow, but I think it's the fall out from my last job. Worrying will just make it worse, my colleagues have been lovely and it's nothing I can't do - writing it down has helped. Thanks to anyone reading.

    I've just had my Daligas transfer through today and have also got to fill in a form at work as a course may be on the cards.

    :)
    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
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 6,643 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hey supersaver - glad i'm catching up when you are sounding so positive :D I do hope that it all boils down to you wanting to hit the ground running in this new post. Bet your colleagues are pleased for, and with you. We're our own worst enemies setting high expectations for ourselves :o:D

    I trust that a good night's sleep will restore your faith in yourself - onwards and upwards! :D

    Greying
    Pounds for Panes £7,305/£10,000 - start date Dec 2023
     
    Grocery Spend August 2025 £182.09/£300 
    Non-food spend August 2025 £15.55/£50
    Bulk Fund August 2025 £0/£10 
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