My road to being a millionaire - I wish

vonph1

millionaire_in_training wrote: »

Hello there. My lass went to a dance workshop today and it cost me £16.50 :eek: . Sha came home and said it was so boring they were all desperate to come home:mad: . I scraped that money together too. She then announces she needs ballet shoes and ribbons :eek: . Why is it that when you are ultra skint you always have to buy unexpected things. Drives me bonkers tbh.

Sods law innit!!!

lunar

My friends children go dancing, i cant believe how many bits she has to buy for costumes and things. it comes to a small fortune by the time she is done.

looking forward to seeing you sub 40k very soon MIT, hope everything is going well with you.

millionaire_in_training

:j :j WOOHOO!!:j :j under 40K. I am all excited. Only just mind you ,but hey it's under so who cares. It won't get much lower this month but so what. Going to try and get under 35k by August.

Kind of going to give up on the grocery challenge this month because I am only going to buy food when I have to so will probably end up getting all confused. Will be round about the £200 anyway. Have warned the kids that the soup pot will definately be on a few times. Lent starts on Wednesday so no treats for me for the next few weeks and minimum for the kids. Might actually get some weight off too.

Nice to see you popping in Vonph and Lunar. Hope you are both well x

sophiesmum_2

millionaire_in_training wrote: »

:j :j WOOHOO!!:j :j under 40K. I am all excited. Only just mind you ,but hey it's under so who cares. It won't get much lower this month but so what. Going to try and get under 35k by August.

Kind of going to give up on the grocery challenge this month because I am only going to buy food when I have to so will probably end up getting all confused. Will be round about the £200 anyway. Have warned the kids that the soup pot will definately be on a few times. Lent starts on Wednesday so no treats for me for the next few weeks and minimum for the kids. Might actually get some weight off too.

Nice to see you popping in Vonph and Lunar. Hope you are both well x

:dance: :dance: :dance: :dance:

Well Done MIt
That's a real landmark amount to pass. Must feel so much better being in the 30's.

binnie

Well done MIT.
I've behaved myself today as I was very tempted to buy more Yankee Candles as some of them have been reduced in price.
I was good as gold and didn't buy a sausage, pat on the back me thinks.

xx

millionaire_in_training

I love yankee candles . No wonder I'm skint as they are sooo expensive. I have some realy nice candles just now that I got from a candle lite party. They are really expensive too but hey a lass has gotta have some luxuries. Hides the smell of kids farting . Dread to think what they will be like if I get the lentil soup down them :rotfl: . Will be scared to light the candle incase the house goes BOOM!!

Hmm TMI methinks

red74

:T Congratulations MIT on breaking the £40k mark:T

I know it felt like a major milestone every time I the thousand amount dropped so this must feel HUGE.

I've just realised (well, it sort of occured to me on Sat when I updated my sig but it didn't sink in) that assuming I don't break my budget this month I can pay off the rest of my debt:eek: . I should be over the moon - and obviously part of me is, but I also feel wierdly scared of doing it. Whilst it's not been a huge amount (£10k at the highest), it's been there for such a long time that it feels odd to not have it. The pessemist in me is convinced that the minute I pay it off something is going to come crashing down around me and I'm going to be back where I started from. The last time I was debt-free was for five days 9 1/2 years ago between paying off the loan on my old car, and said car spectacularly failing it's MOT and having to take out a £9k loan for the car I have now. So part of me is fully expecting something awful to happen to the car very shortly .

However, I know I have to stop being such a wussy freak and get on and pay it. The statement is due on my RBS card in the next couple of days, and that has the biggest balance and stupidly high interest rate, so I guess I'll wait for the statement and then pay that off. Not sure what to do about my Halifax card as the interest is only 4.9% so technically I'm better off throwing my spare cash at my ISA, but, despite all my whinging, it would be nice to be debt-free. My god, why does this seem so difficult all of a sudden?:rotfl:

millionaire_in_training

Hi Red. It's a no brainer so far as I am concerned. Get the debt to he*l. After that if you feel disciplined enough you can do the stoozing thing. I doubt I will ever be that disciplined. Each time I have gotten rid of a card I have cancelled it. I want my credit file to be a lot shorter lol.

red74

Not sure I'd risk stoozing. I do have another card which I buy big stuff on (christmas, monthly food shop etc) but that is taken off my budget when I spend it and is then paid up in full when the statement comes through (except when I loose the ability to count:mad: ). From years of being a BT tart I've amassed 6 credit cards and 3 store cards, most of which I never use but am too lazy to close (although I will be closing my Egg card on principle). The practical thing would have been to use the money from my ISA to pay off the debt nearly a year ago but the majority of this is money that grandad gave me towards a deposit for a house (OH ____ cold feet - fill in the blank) so I didn't feel happy using that, but I would really like to get it up to the yearly maximum so I don't feel like I've let him down, if you know what I mean. I still hope to fill the ISA by April but it will be a close shave - maybe I'll sell OH's body to science:think:

millionaire_in_training

maybe I'll sell OH's body to science:think:

Ah but do you reckon they will want him?