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Onwards and downwards...

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  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well I guess this is a sign of how far I've come. Last night I've managed to lock DH's internet banking. I *know* I was putting in the correct details :mad: :mad: so I can't transfer his half of the bills to me until they post out a new access code.

    Just a few months ago, that would have been a crisis, and I would have had to send him out to the cashpoint, and then pay the cash into my account with all that faff. This month, the bills have all been paid, and it's just a minor inconvenience really as I can dip into my savings if I have to (I shouldn't) :T :T :T

    Little things like that make such a huge difference :A
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    jwil wrote: »
    Well I guess this is a sign of how far I've come. Last night I've managed to lock DH's internet banking. I *know* I was putting in the correct details :mad: :mad: so I can't transfer his half of the bills to me until they post out a new access code.

    Just a few months ago, that would have been a crisis, and I would have had to send him out to the cashpoint, and then pay the cash into my account with all that faff. This month, the bills have all been paid, and it's just a minor inconvenience really as I can dip into my savings if I have to (I shouldn't) :T :T :T

    Little things like that make such a huge difference :A

    This must be a huge weight off your shoulders xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • You're right, things like that do show how far you've come :)
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    abba1772 wrote: »
    This must be a huge weight off your shoulders xx
    You're right, things like that do show how far you've come :)

    Thank you, it is. I want to keep it that way!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £2.69 to Mortgage
    £5.00 to debt savings
    £2.95 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,640 - £680 paid :T

    Spent half of last night up with little jwil complaining of an itchy bum. A visit to the pharmacy involved this morning I think. :eek:

    We are off out today to take little miss for a birthday day out. Not sure what we are doing yet as little seems to be open! The perils of having children out of season! We have the same problem with little jwil.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hope little Jwil is okay and you've had a lovely day out for Little miss birthday :D x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 2 December 2017 at 9:36PM
    jwil wrote: »
    Todays pads:

    £2.69 to Mortgage
    £5.00 to debt savings
    £2.95 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,640 - £680 paid :T

    Spent half of last night up with little jwil complaining of an itchy bum. A visit to the pharmacy involved this morning I think. :eek:

    We are off out today to take little miss for a birthday day out. Not sure what we are doing yet as little seems to be open! The perils of having children out of season! We have the same problem with little jwil.

    Oh no :eek: I remember the itchy bum:eek:. I used to keep some medicine in the bathroom cupboard all the time, so that as soon as one of them complained I could medicate straight away!

    Once all the DC went to secondary school they never suffered from itchy bums or heads again :T. It's definitely a primary school problem :eek:.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.95 to Mortgage
    £5.00 to debt savings
    £2.64 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,635 - £685 paid :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope little Jwil is okay and you've had a lovely day out for Little miss birthday :D x

    Thank you :)
    Oh no :eek: I remember the itchy bum:eek:. I used to keep some medicine in the bathroom cupboard all the time, so that as soon as one of them complained I could medicate straight away!

    Once all the DC went to secondary school they never suffered from itchy bums or heads again :T. It's definitely a primary school problem :eek:.


    The flipping pharmacy wouldn't sell me any without a GP diagnosis :mad: I checked on the NHS website and it says there is no need to see a GP unless you are pregnant, breastfeeding or under 2. None of which apply! :mad: I've been to a different one this morning who had no such qualms and said there's loads about at the moment ewww.

    I found a note in his bag this morning that nits are going round too. Joy! I've had a look and he doesn't seem to have any, but I'd better invest in a nit comb now as well. :cool:

    I would say it's a relief that they'll grow out of it, but that's a long time away yet :D
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well we went out at the weekend, the kids enjoyed it, but we spent far too much due to the fact we didn't research the place we went to first and the entrance fees were extortionate! Serves us right :o

    Both kids have been up loads at night so I am shattered. Hope this medication makes a difference.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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