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My road to being a millionaire - I wish

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  • red74
    red74 Posts: 348 Forumite
    Hey MIT, just been catching up and discovered you're a fellow civil servant. Clearly that must be the reason we're so skint - and desperately looking forward to tomorrow - everyone in my office has struggled through this month - (it's seemed so long) and we're all into our overdrafts!:o
    1st April 2008 challenge
    :mad: xmas overspend = [strike]£254.05[/strike] £0:j......cc1 = [strike]£240.78[/strike] £0:j .......cc2 = [strike]£667.47[/strike] £0 :j ...amount owed to ISA = [strike]£1599.90[/strike] £0:j
    TOTAL TO GO = [strike]£2762.20[/strike] £0 !!!:dance: DONE IT DONE IT DONE IT!!!:dance:
  • lol @ RED. I dunno why I bother about it being payday as I only see my wages when I hand them over. I basically only get them on paper :mad: . The only pleasure I get from it is seeing my debt creeping down. It used to be that civil servants were well paid and middle class. Hmm haven't times changed lol there are loads of us now getting tax credits as we are under the poverty line and we can't afford to buy houses. Thats progress for you :rotfl: .
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • red74
    red74 Posts: 348 Forumite
    lol - well I know a few of my colleagues who definitely still see themselves as middle class - but they're into their overdrafts as well:p

    I actually had one member of the public who referred to me as "the landed gentry, in their palatial surroundings". I can't even afford a palatial shed!

    It does strike me as odd that as the government pays for both our wages and the benefits system, then why can't they just pay a decent wage in the first place, then they wouldn't have to pay out so much in benefits. Seven years in and government accounting still mystifies me:rotfl:
    1st April 2008 challenge
    :mad: xmas overspend = [strike]£254.05[/strike] £0:j......cc1 = [strike]£240.78[/strike] £0:j .......cc2 = [strike]£667.47[/strike] £0 :j ...amount owed to ISA = [strike]£1599.90[/strike] £0:j
    TOTAL TO GO = [strike]£2762.20[/strike] £0 !!!:dance: DONE IT DONE IT DONE IT!!!:dance:
  • Hey I've been incarcerated with them for 18 years and still flummoxed lol and yes I have had all that cr*p about what a wonderful life I have etc etc. If only they knew lol
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • red74
    red74 Posts: 348 Forumite
    18!!! - you must have done something very very wrong in a previous life:D
    1st April 2008 challenge
    :mad: xmas overspend = [strike]£254.05[/strike] £0:j......cc1 = [strike]£240.78[/strike] £0:j .......cc2 = [strike]£667.47[/strike] £0 :j ...amount owed to ISA = [strike]£1599.90[/strike] £0:j
    TOTAL TO GO = [strike]£2762.20[/strike] £0 !!!:dance: DONE IT DONE IT DONE IT!!!:dance:
  • I know I must have been a murderer or something. TBH I only stay because as a single mum the terms and conditions are great whilst they are small. Not many places would give you the special leave etc they give you. Going to do my diploma this year on management. Counts as 60 points towards my OU degree and work will pay for it :j .

    Ok payaway day for me. I have updated my signature. I am only going to show cc debt and my car thing is really a run down to the end for my info really. I am going to try and bring back my debt free date as far as possible I have cut 3 months off it so far. If I manage to pay £124 between now and end of month I will manage to take another month off so I am on a mission.
    I am 45 in June of 2010 and it would be fab to be rid of them by then. 45 :eek: wowsa I cant possibly be nearly that.

    Hope everyone is well Binnie good luck today x
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • binnie
    binnie Posts: 995 Forumite
    BIG ANNOUNCEMENT, DAH DAH DAH
    BINNIE HAS GOT A JOB!!!

    Yes it's true, I got meself a job today. I told them if they don't employ me this time, then I will camp there until I do.

    No really, I went for the third interview on a different department and that seemed to go well. Then decided to go for a walk round the big store and low and behold my phone got a message for me to ring the woman from the previous weeks interview.
    As I was still in the place, I went back to reception and the lady came to see me and offered me the job.
    I start Nov 12th, I'm not too old afterall.
    xxxx
  • tifnstav
    tifnstav Posts: 441 Forumite
    congrats binnie! so chuffed for you!
    what a happy halloweeeeeeeeeeeeeeeeeeeeeeennnn!

    and check out MIT's signature, those figures are getting teeny!

    hoping for a birthday windfall tomorrow. maybe a couple of pound coins sellotaped in a birthday card, get my own signature a bit smaller eh?
  • binnie
    binnie Posts: 995 Forumite
    Oh Happy Birthday Tiff, hope you enjoy your day.
    It is quite nerve wracking going back to work after almost 4 months of lie ins :confused:

    xx
  • :j :j :beer:
    Och Binnie I am well pleased for you. congrats .

    hapy early birthday to you tifn. Have a grand day. Now I would have sent you a card with £2 if I knew you :rotfl: .

    My sig is looking good huh? I am well chuffed. I cannot believe I have paid all that off since July. Just goes to show what can be done when a real effort is made.

    I paid £80 to DS's trip today. He is only 9 and its his first time away from me so I am a wee bitty nervous.
    I also got my car insurance through quidco. Was less than I was quoted from Direct Line for renewal and I also got £95 cash back. I cannot believe that I can get money back for these things. I want to tell everybody about it lol (cept the gits I dont like :D ). I really hope it tracks ok as would practically pay for car tax in January.

    I gave my ex what for last night cos he is such a cr*p dad and ladled into him re maintenance and contact etc. He says he will buy the kids trainers at the weekend. Huh I will believe it when I see it. It will be the first thing he has bought them outwith birthdays etc in 8 years so they better be good ones :rotfl: .

    We were at a Halloween party tonight and it was good fun. There was a fellow there doing Rabbie Burn's Tam O'Shanter and it was fab. A wee bit over the heads of the kids but I was all in but my toes kept wanting to tell the kids to shoosh so I could hear lol. Big ask as there were about 200 of them. It has been a nice day today in my household. House is minging but hopefully I will attend to that tomorrow.
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
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