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Spent 4 years pretending it's all OK
Comments
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Also just popping by. Hope alls OK as you are unusually
quiet
xMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Hello, have just PM'd you too. Bit worried! Hope alls ok
XxxMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Thank you for popping by Brizzle and Igamogam, and apologies for extended leave of absence. Still alive just about and will be back soon hopefully
NOA
xx
oh... and Happy New Year!
I hope that 2016 brings you (all friends on MSE) much HappinessFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
:hello:
Nice to see you back Noah.. Hope your Ark is okay in all this rain..!!
Love Puzz. xChristmas 2020 £109
I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
£60062/25384.84 - 13222.60k UE
MY DIARY http://forums.moneysavingexpert.com/showthread.php?t=47686850 -
:hello:
Nice to see you back Noah.. Hope your Ark is okay in all this rain..!!
Love Puzz. x
Morning Puzz
Lovely to see you, hope you have kept nice and dry. Ark is a bit battered but still afloat ;-)
Will have to ease myself back into good habits re: diaries again, will catch up soon
NOAh
xxFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
brizzledfw wrote: »Hello, have just PM'd you too. Bit worried! Hope alls ok
Xxx
Hi B hope all well and thanks for PM :A - you PM space is full and won't accept any more until you declutter :rotfl:
Hugs
xxFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
So, where to start? Everyone has probably finished exchanging Christmas/New Year stories by now, but I’ll start there anyway. There are 327 shopping days left until Christmas :rotfl:
It was a busy one at ours, I worked until lunch time Christmas Eve, then had all my family staying over, so it was busy, chaotic, exhausting and fun, and also quite depressing. My parents did come too, we brought a bed downstairs for dad, but he can now hardly get to the bathroom and back. New Year was quiet, sleeping in front of the TV mostly
Started 2016 very positively, with one resolution being to get out and about more as a family. Had a day out in London the first weekend, then straight into 2 weeks work at school, after which accounts and tax returns needed doing. Pleased to report that all done and paid, though got a bit of a shock with DH tax bill, it transpires that he hadn’t checked his tax code and his first three months of company car/fuel last year in new job hadn’t been taken through PAYE. So now we are sitting pretty with virtually zero in all bank accounts :eek: For it to have been paid through PAYE next tax year, his SA should have been submitted by 30 Dec (a deadline I had no idea existed, but I guess we haven’t been in that position before).
So the £1100 odd I have painstakingly saved in a separate account just paid his tax bill but I guess at least we haven’t increased debt.
Good news is that several small projects have come off late Dec/January so we have about 10K SE income in pipeline over the next 4-5months, £1K already received, so managed to stay in credit throughout Dec/Jan. Hoping the next invoice comes in before 20 Feb as we have no room to juggle this month. It’s time to update creditors again, we are still paying £70 per month between them, they seem to be sitting happy for the time being. Not sure whether to update I& E through SC, as last time they seemed to be a bit off as the small payments were meant to be a short term interim offer until a more viable solution was put in place. Am thinking that I can set up my own spreadsheet perhaps?
Family wise, DD is happy in her new relationship, and has hardly come home this year.
DS continues to do well at school, but continues to frustrate me at home and will spend every spare minute on line gaming, but has been very helpful recently when I have struggled with ongoing health issues, so I shouldn’t whinge too much. DH has been fine, mostly supportive with the occasional flare up – mostly I have learnt not to talk about the finance side as when we do he gets all “woe is me – I wanted more out of life” which brings me down too, and I prefer to be up and looking forwards.
There. Status updated. Now to VAT returns.
Hugs all round
NOAh
xxFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
Hope your health issues improve!
Given all the financial surprises, it sounds like you've done really well.I hope things settle down soon, and the SE income helps keep everything stable.
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hiddenshadow wrote: »Hope your health issues improve!
Given all the financial surprises, it sounds like you've done really well.I hope things settle down soon, and the SE income helps keep everything stable.
Thank you Hiddenshadow
It's good having the work lined up, it takes the pressure of the constant bank balance checking but then the pressure shifts to meeting deadlines.
Hope all is well at your end, I'm afraid I'm a bit out of touch with everyone.
xFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
Good to have you back. Sounds hard road ahead but great to see the SE work coming off
Onwards and upwards :TMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0
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