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Why Walk When You Can Fly

edited 11 September 2018 at 11:18AM in Debt Free Diaries
566 replies 32.7K views
13468957

Replies

  • Hi Purple,


    Massive pain:mad::mad::mad: about the washing machine but it's a necessity and over the long run will be far cheaper than the alternative of launderettes and stuff.


    Unless of course you have a stream at the bottom of your garden and two big rocks you can clash together!!:rotfl::rotfl::rotfl:


    Chalk it up to life's rich tapestry and keep battling forward!!


    T:o
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

    Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • jwiljwil Forumite
    12.4K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Hope DH's employers honour their promise!
    "If you can dream it, you can do it". Walt Disney
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.8K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    I hope you didn't catch DD's cold.
    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 = £900/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • pidge04pidge04 Forumite
    779 posts
    500 Posts Second Anniversary
    ✭✭✭
    Any progress with jobs for your husband?
    CC £4,012 left to pay (was £5400).
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Hi,

    I've been more lurking this week rather than posting.

    DH has had three interviews, one has come back as a no, one he's seeing again next week and he's waiting to hear back on if they want to see him again.

    My agency bloke is still trying to get an answer out of the company, we've agreed between us that if no response after a week, then they're not interested in offering me something permanent, so we'll start looking nearer to home.

    DH is still priority as he's due to leave his company at the end of next month, with me I'll bumble along until something comes my way as I am still getting paid.

    Pay day tomorrow and I can make payments to the CC's.

    I need to think of a plan of attack for next year, especially in terms of attacking the LC!

    I've failed on the NSD's this month, I was aiming for 10. I have also failed on the LTW's as this week has been too hectic to think about it.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    I was once told that its a good idea to make a plan of where you want to be in 6 years from now. I was told that the plan should be no more than 5-6 items, any more than it is overwhelming and any less and you have nothing to aim for. I have done this most of my life, sometimes it works and sometimes 'life' gets in the way and the plan doesn't happen.

    I have thought for sometime about where I want to be financially and I have made my plan and finalised it.
    • All annual bills paid in full each year
    • All debt paid off – Aim 5 years
    • Money in savings
    • Overpay mortgage
    • Budget better

    DS will be coming up to 20 and DD will be coming up to 17 by then and I don't want this to carry on, I'd like for us to help them financially if and when they need it.

    My personal six year plan is a lot different but moving house was on it and that has happened, so that is going the right way.

    Need to put this on this diary, so I remember what I am aiming for!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Woo hoo!!! DH has a second interview with the one he saw yesterday, both are next Tuesday...fingers crossed he'll have an offer from both by next Friday and he can then choose which to go for.


    September round up

    Good things
    • Joined a gym
    • Meal plan went ok
    • Managed to BT big debt to 0% card :j
    • DH has had some interviews
    • DD was made patrol leader at Guides
    • DS working towards Corporal at Cadets

    Bad things
    • DH quit his job :eek:
    • No news over my permanent position
    • Failed on the LTW's
    • Failed on the NSD's
    • Washer broke
    • Dishwasher had a moment (but seems ok now)

    Octobers Goals
    • Meal plan - need more meal ideas
    • LTW's - I have signed up to 23 days
    • Sign up and organise my Snowdonia at Night Challenge and update my FB page accordingly
    • Sleep better - I need to go to bed at a reasonable time
    • Do my tapestry - I have been neglecting this!
    • Read my book - Same as above
    • Surveys - Need to keep plodding on with these
    • Car Insurances - They are due and need to find a cheaper deal
    • Gas/Electric - The bill is through but still need a looksee if I can find a cheaper deal

    Things coming up in October

    DD has her Big Gig concert with the Guides
    SiL & BiL's birthdays
    Kids Half term and Inset day

    September threw us a curve ball and I wasn't expecting it to turn out the way it did, but it's just a glitch that's all.

    Pay day tomorrow, so I can shuffle money about and put some money in my pots, first proper month I can do :)

    Sorry for the long post.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • jwiljwil Forumite
    12.4K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Good luck to DH and for your October targets!
    "If you can dream it, you can do it". Walt Disney
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    jwil wrote: »
    Good luck to DH and for your October targets!

    Thank you xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • redofromstartredofromstart Forumite
    2.8K posts
    1,000 Posts Third Anniversary Photogenic Name Dropper
    ✭✭✭✭
    ooh, how lovely to have two seconds on the same day. Hope they fight over him!
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