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Drawing a line under the debt. Take two.
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Drawingaline wrote: »Bd, yes the days are flying by in the new job. I am contracted for 5hrs mon and tues and am loving it. It does mean the second half of the week is dull and hard work though (I clean houses) but the bills don't pay themselves!
You may be the only person I know that now loves Monday and Tuesdays in work but not the rest of the week :rotfl: I always get to Wednesday and think "yay down hill from here!"1 -
Good to enjoy your work. Hopefully over time you could move to book keeping for more hours away from cleaning if you wanted - or set up your own business and pay others to clean and live off the mark up...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/251 -
Just returned from seeing we will rock you. What an amazing show!!! Just brilliant, almost as good as my total favourite SIX! Not quite though lol!
It was my birthday in the week, I got £90 with no plans. The next day a band I love announced a gig, and I managed to bag tickets :eek: it was hard, and it cost £90 a ticket, but will be worth it. My daughters best friend loves this band too so I said I would take her, my daughter is less bothered but needto take er as well. So birthday money has gone on that. Will be reimbursed fror one of the others but need to find the money for daughters ticket. But so so excited :j:jDebt free Feb 2021 🎉1 -
Glad you had a good time and more to look forward to!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/251 -
Two days done at new job. So four weeks, or 8 days in total :rotfl: I have to keep reminding myself of that when I think it is taking a while to pick up! Next Monday I will be doing two hours at home alone as then we are off to the office for the Xmas do :eek: will meet the other office based staff which will be nice.
Husband gave me 1k from his tax rebate to hide from him :rotfl: and told me to put it in the budget against the new kittens category! Baby steps right? He knows he would just blow through it if it stayed in his account, something I have witnessed with countless extra payments over the years, I am taking this win :j it may not stay in the kitten category, but it's in the budget :j:j
Finances a bit tight, te girls friend owes me £93, which should come my way by mid Feb, I have covered it in ynab from car main, and her mum said she will pay on her next payday. I have obtained tickets for her before so know it will be paid back no issue.
Food budget is looking tight, needs to go another week and a half, should make it.
Nothing else due out apart from regular bills, regular saver matures in a month, so cash flow will ease up, but I have become so used to using the credit card in ynab its like second nature now. May have to look into some kind of reward cardDebt free Feb 2021 🎉1 -
I have an M&S credit card and get vouchers every so often.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1241 -
£1K to look after sounds like progress indeed. What's the story with new kittens?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/251 -
SH, basically my husband likes cats and I like dogs. Husband was bitten incredibly badly by a dog (like a lot of stitches to put his ear back in place bad :eek:) and won't have one understandably.
I am not much of a cat person at all. He wanted a house cat, but I always thought it seemed mean. So he did some research and found a breed that is specifically bred for characteristics which mean they are a bit crap at the cat stuff (hunting, awareness outside etc) so tend to be brilliant as house cats, and are actually a bit dog like in how they interact with people. Fab. Only they are a bloody pedigree breed so expensive. And they need a lot of socialising and breeders tend to want someone to be at home a lot of the time and atm I am still working outside the house three days a week. So breeders tend to suggest a pair.
So basically I appear to have been talked into a pair of cats who act like dogs that are expensive and awkward :rotfl: I have been doing loads of research and I doubt we will get them before September, as I am away in June and July and possibly August.
And all I want is a dog :mad:Debt free Feb 2021 🎉1 -
I have also managed to get talked into a charity dinner dance next month by one of my bosses (old job) so that's £30 I wasn't wanting to spend. But it's for a good cause and should be fun.Debt free Feb 2021 🎉1
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Aw I'm a any animal kind of person so I'd have the dog and cats! haha
My cats have a cat flap and happily come and go as they please but tend to come in when they know I'm home so house cats when I'm there, up to michief when I'm not:D1
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