One Year Plan and Ten Year Plan

lilian1977

Kitten868 wrote: »

Hello!
Have you tried ziffit and we buy books? They are like music magpie but fairer and better prices. Plus you can usually get a 10% extra code. Be ruthless! You can listen to anything for free. Plus they take books and computer games.
Also have considered moving your banking to halifax? £5 a month for free to pay to mortgage. Plus £100 upfront!
I think you have inspired me for a new challenge. Good luck xx

Hi - I'm actually already with Halifax but thanks

We Buy Books - they don't want any of mine, bah humbug!

Kitten868

You're one step ahead! X

Misty_Blue

Just a thought about the gym. I bought a gym-standard treadmill for my spare room, and it costs me £16.99 a month, interest free. It means I don't have to motivate myself to get ready for the gym and leave the house. I just have to commute upstairs. We were paying £80 a month for a joint gym membership, and OH is a teacher who can do his weight sessions in the school gym, so it made sense for us. I can see how it wouldn't for everyone, though, especially as it would mean adding to debt in the shorter term.

monz

Deleted_User wrote: »

Every penny helps to that 0.19p is better in your purse than lying on the ground.

I'm waiting on a refund for something too :money: Good for you getting a wee freebie & muesli is expensive.

Do you not have pure gym or the gym near you, they are all over Glasgow & have memberships for like 10.00 or 15.00 maybe look into that.

Dxxx

Dolly Rocker. I am in Glasgow where are these pure gyms lol xx

[Deleted User]

I know they just opened one a wee whiile ago on Hope st for 14.99 a month.

Dxxx

monz

Thanks! Hope Street is too in town for me lol saw Hamilton but still, keep doing my insanity DVDs at home free right now lol xx

[Deleted User]

Ah right, keep an eye out they are popping up all over the place.

Dxxx

lilian1977

Misty_Blue wrote: »

Just a thought about the gym. I bought a gym-standard treadmill for my spare room, and it costs me £16.99 a month, interest free. It means I don't have to motivate myself to get ready for the gym and leave the house. I just have to commute upstairs. We were paying £80 a month for a joint gym membership, and OH is a teacher who can do his weight sessions in the school gym, so it made sense for us. I can see how it wouldn't for everyone, though, especially as it would mean adding to debt in the shorter term.

That's how much my membership now costs me - I don't have much time at home really as I work 28 hours a week and the rest of the time is valuable family time. The money spent is worth it to me as it stops me wandering around the shops at lunchtimes Thank you for the idea and the comment though xxx

lilian1977

Oh for goodness sake, I've just rediscovered my diary and have made little progress. I am 40 in 2 months and still have £4100 of credit card debt 10 months later GRRRR. I have however reduced my mortgage from £48k to £42k and am estimating 7 years left IF we can stay on the same or similar rate and can continue to overpay at this level.

I have GOT to sort things out. Trying to have a very frugal month this month. How is everyone? Anyone still following me?!

lilian1977

Got my CC debt down another £500 so £3600 now. Still chipping away.

I have to buy a new train pass in December though which will be close to a grand, ugh.