📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Need to get myself together: The beginning

Options
1370371373375376401

Comments

  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Update got it fixed thank god!!! Honestly so silly at times!

    Today I am going to make a 5 year plan of things I want to get done and estimate costs of when be able to do this by. First is finishing the garden! Inbetween I think will add lost floored etc as I have checked the price and not as dear as I expected (expensive enough though!)
    xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Received £175 and could not come at a more perfect time. I now owe 0 to holiday fund and it looks so much better. When paid £400 will be added to it and whatever my aunt gives me at Christmas also which is normally £200 every year making it roughly £1,200 :) xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • Homegrown0
    Homegrown0 Posts: 1,280 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Being nosy but what's JE?

    Good work on paying back the holiday fund!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Just eat courier. I just collect food and take it to people who order :) Just do when I can.

    I have now started decking fund £54.50 :D Cannot wait to add to it. My fence is stunning, complete change to my garden to what it was before! They are completing the fence today and hopefully have a quote for decking soon.

    Last week of work then off for two weeks :D woo!!!xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • Homegrown0
    Homegrown0 Posts: 1,280 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Ahhhhh... it all makes sense now! I was trying to work it out but was stumped. Which is hilarious because I use Just Eat regularly! haha Nice to get a bit of extra cash in your funds if you can.

    Glad you're pleased with your fence :) You're going great guns with the house!

    Mine's at a bit of a standstill for now, waiting on a builder quote. Then once I've scraped myself off the floor, it should be going again early next year. I love to see house progress!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    I might have delivered to you in last few weeks not even knowing :P!

    It probably will cost a lot, but you will get there and be worth it all!! Think seeing house progress is best thing ever. Love home improvement. Treating myself now is something for the house.

    If anyone knows good deals or places for solar lights please let me know :D!

    payday is in two days.xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Morning, payday tomorrow woo getting £157.65 of £250 bonus. It is showing as pending. My mum is stating that I am wrong but how can it be wrong lol its pending to go in :P She thinks should be £200 going in. I am not bothered I am so happy with the bonus for holiday fund regardless :), £6 over my guess so was nearly spot on :D

    My aunt is up at the weekend so will know what she has been amazing in gifting my son and I. So tomorrow will send £400 to holiday fund, making it £1,000 then at weekend what my aunt has gifted us. End of January should have about £1,600 and for quotes I have had for 4 July holidays 1 week all inclusive should cover it to pay in one go.

    End of February my wages will go to decking fund along with JE. Hoping to have this saved by then. Hopefully is quote is not high as I am anticipating will be sooner... then driveway.

    There has been a lot of break ins (silent as in creep in while you are sleeping) in my street so not been sleeping I am terrified as its only me and my boy. So at night basically I am Kevin from Home Alone and booby trap my house just in case. It is normally between 2-4 so just not sleeping due to this working me up. Its appalling targetting people who work hard for what they get to just steal!?

    Hope all ok xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • You are doing brilliantly, a 5 year plan sounds like a good idea. well done on everything you've achieved and glad the fencing has made such a difference.

    Sorry to hear about the break ins, definitely double check all the doors and windows are locked. There's been a spate of car break ins around my town but some of them have been chance ones where the person has tried the doors, it's amazing how many people leave big expensive items in their cars though. Get really annoyed when the thieves pick on hard working folk though, my friend's dh's van was stolen a couple of weeks ago from outside their house, they didn't even need the keys!

    Yay to pay day tomorrow and your bonus.

    H x
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Omg did they! It is absolutely shocking them and getting away with it. Apparently few suspects but nothing can be done I have been told.

    Found a perfect holiday for me and my boy costing £1573 but its on 3 July a Friday and my work does not allow holidays to land on Friday start but the way my holidays work I would be due a 1 day owed so can put it there. Will have to ask for it in January as not allowed to book until New Year which is a pain in the a**. If we go day after on the Saturday will cost £300 more?? xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • badmemory
    badmemory Posts: 9,610 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    A few years ago across the way from me, only 6 houses, 4 had break ins in the night. One was real & the other 3 were along the lines of well that was a good idea. One I knew really well & wouldn't have believed it of her, but I also know that if it had really happened she would have been having screaming fits &/or panic attacks. So you really shouldn't worry too much. I'm afraid that some of what appear to be the nicest people seem to think it is okay to scam insurance companies.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.