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Why Walk When You Can Fly
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Those camps are very expensive aren't they :eek:. DD must really enjoy them though.
Good news about being able to overpay the mortgage after the fixed deal. When does it run out?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 MONTHS0 -
HairyHandofDartmoor wrote: »Those camps are very expensive aren't they :eek:. DD must really enjoy them though.
Good news about being able to overpay the mortgage after the fixed deal. When does it run out?
She loves them, which is good as it also means she's more independent too
Our deal runs out in about 3 years, that gives us enough time to clear the debt.0 -
Morning,
Well that was a week I don't want to repeat again. I think everything caught up with me last night as I was suddenly tired but exhausted kind of tired, I was in bed by 9.30pm.
I have however found a renewed spirit to keep plodding with the budgets and to get rid of the debt. Things are in motion that way, I'm just impatient I think. I need to get the household side of things back on track, I can't let that side slip.
Shopping done this morning but need to nip to tesco for bits I couldn't get and go to the veg man on the market for fruit and potatoes.
Bought some much needed socks today, why is it when you're getting down to your last few pairs, they all decide to go one after the other :rotfl: :cool:
Back later, need to take DD swimming x0 -
Deleted_User wrote: »May's Goals
Personal
Finish my tapestry - This is nearly done
More training walks as the Trek is looming now- One more training weekend left
Get more sleep - Still needs improvement
Financial
Lunches to work - aiming for 21 days - Will miss by 1 day
Groceries - need to stop the many top up shops - Work in progress
Keep logging in with money hub app - I have been doing this
Keep applying for jobs - Still looking
Restart with the surveys - Done
Household
Declutter more stuff - dump, charity shop, sell - Getting there slowly
General housework stuff - Getting better at this one
Thought I would update where this month has gone and where I am with regard to my goals.
I even sewed ALL DD's badges on her camp blanket
Need to think about June and what is coming up too.
Back later x0 -
Back with June's Goals.
Personal
Finish my tapestry
Read my book
Restart the gym
Get more sleep
Drink more water
Financial
Lunches to work - Aim 20 days
Groceries - need to stop the many top up shops
Meal plan - I haven't done this in May so need to get back into it.
Keep logging in with money hub app
Fuel in car - Need to have more Eco drives
Keep applying for jobs
Keep up with the surveys
Watch what I spend
Reduce the pub visits - We don't go lots but more than we should do
Household
Keep up with the housework
Declutter more stuff - dump, charity shop, sell - FB marketplace
Things coming up in June:
My Jurassic Coast Trek
DS RAF Cosford with Cadets
DD balance for August camp due £40
DS 15th birthday
My car booked for a service
Father's Day
DD Strategy Camp0 -
A good clear set of goals and well done on sewing on DD's badges
.
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 MONTHS0 -
HairyHandofDartmoor wrote: »A good clear set of goals and well done on sewing on DD's badges
.
I was determined that DD would be going to camp next week with a full set on her blanket :rotfl:0 -
Well done with all you've achieved and good luck with June's goals"If you can dream it, you can do it". Walt Disney0
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Afternoon,
It seems my mum is either sulking or not talking to me after I told her off for messaging my low life brother...long story on that one but he said that we were both dead to him so why she even messaged him is beyond me. Plus I don't think she is happy that I don't want her bf there for my trek.
Oh well, not a lot I am doing to do about it.
So today is our 15th wedding anniversary and DH is going to be home slightly later than normal as he has commissioning on site to be done.
On the upside, I have dinner prepared so all I need to do is make a start on it when I know DH is on his way home.
I've done a few more surveys today and entered a few competitions, may be the competition fairy will grant me some luck and I may win something.
I am in a bit of a quandary with myself....A BIG part of me wants to get rid of the BC but a BIGGER part of me is saying to pay the extra off the MBNA as the 0% finishes at Christmas. The BC is very minimal payment wise and can probably happily tick over in the background.
I think that I have answered my own question, the MBNA really needs to be attacked and I am silly if I don't try to at least get it to as low a balance as possible before the deal runs out.
I still haven't heard from BG regarding my complaint, when I last spoke to them, they said it should be resolved by the first week of June.0 -
Happy anniversary
xx
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