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LBM no 1 million and 1
Comments
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Aha so emojis from my phone obviously don’t work on here ha ha5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
Good luck"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 McGee0
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Can I join the party
Will bring virtual wine and cheese :rotfl:
In post six
You give a recipe site thank you
Also you say about bread
I don't know if your lot like it but I use mine for either bread pudding or bread and butter pudding
The former served with custard the second as is for desserts means I can make serve smaller mains
I find that cuts my food bill somewhatEmergency fund £10,000
Several categories with savings in
Cars, house maintenance, birthdays
Etc I have about 10 categories
Really happy to be debt free after being a compulsive spender0 -
hi jwil and thanks for the luck. All luck is welcome. Well good luck anyway
Aaleigha its only a wee bit of bread as I overbought due to Christmas. Don't normally waste that much of it to be fair. Also I'm a fat git (THINK TURKEY SHAPE) so bread and butter pudding is off the menu and of course you can join the party
I'm in work today. I just need to power through as all cash in the bank. I've brought food in from the house so no spends hopefully. I have leftover mash and gravy for lunch. Looks like slop but tastes awesome. I have chicken thighs defrosting to make chicken korma for dinner when I go home.
I'm supposed to be going out tonight but don't think I can be bothered tbh. It's my Christmas night with my buddies as we couldn't manage a night in December we could all attend. However I have had a fall out with one of them and don't want to be in her company so I am not going for the meal or anything but am meeting up with one of the girls after the dinner. Sounds very childish but actually really serious and been on-going for a number of years until I just cracked and told her to chase herself ( well I actually told her to get to F ) but hey ho she deserved it. The night out had to be arranged for 4pm start for dinner or she would be too drunk if we made it later. I just cant handle her drama to be fair. I get less drama from my kids. So I'm better off not going lol or I'll be the one causing the drama. Its a shame though as means any group meetings I won't attend unless she isn't going. The others in the group wanted to cancel tonight and go out elsewhere and make excuses to her but I wouldn't let them. So it will be interesting to see what happens. Must say I am a bit sad though. Not at losing her friendship but at having to exclude myself. She's apparently devastated that I am not going so no doubt there will be tears and snotters. Not my problem for a change..RANT OVER
Will see how I feel when I get home about going out. Once I really start money saving on 1st Jan then my budget will struggle to accommodate nights out
I hope everyone is well today xx5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
2 challenges joined so far. Lunch to work. I will be in work 15 days this month plus overtime days . So I am going to try and do all 15 days. Also grocery challenge which I have mentioned. I'm about to get obsessed lol5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
Good morning xx
Well I went out last night. My friend had called me and said that ex friend was going home at 8 so I decided to just go. However when I arrived she changed her mind and stayed on :mad:. I just didn't speak to her. She cried all night on and off but I am not interested. Sounds very harsh but she made a decision that affected my life to the tune of £1k income per month, without discussing it with me and I just can't forgive her. 42 years of friendship down the tubes because of her actions. I'm back to scrimping and scraping and I honestly thought all that was behind me. Just shows how life can change in seconds and not because of actions you take yourself.
I'm annoyed at myself though as I should have used the gravy times to get rid of my debts and I stupidly didn't. I am super motivated to do it now though so that financial changes in the future are not such a big worry.
I only spent £30 last night which is pretty good. My spends should be minimal over next few days as I'm not going out today, I'm working tomorrow and have a house party tomorrow night. I already have food to take with me and I have a tonne of booze. Only spends should be taxi. The I'll have a couple of quiet days before going back to work on the 3rd Jan.
So I hope everyone is having a nice chilled Sunday x5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
So I don't know if any of you do self employed work but part of my income is self employed and I have been sweating as to what I would need to pay or tax bill. I took the bull by the horns there and had a look. Fantastic news is that because of paying in advance I only owe £285.80 :j
I think I will be ending my self employment now. As I said in last post a huge part of it was lost to me due to ex friend and the other client I have is selling up her properties or else putting in long term tenants. To be honest I'm torn between relief that I will not have to clean other folks crap up every weekend and annoyed at the loss of income. What will be will be. When I end the self employment I will need to see what I owe HMRC and if it's a fair whack then I will pay from my wages at source. I'm not going to stress about it. Well maybe just a wee bit5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.001 -
Is this the friend you did all the washing for ?
Sometimes it's cathartic to cut them outSealed pot challenge 822
Jan - £176.66 :j0 -
Same one. She’s been a bit of a cow on many occasions to me so you’re right. Time she was ditched x5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
Hi Mit
Nice to see you back. I'll be cheering you on. Off to subscribe. Happy NY.CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420
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