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Buffy's 30 Month Plan

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  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to hear it Buffy


    Thinking of you
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Just do what you need to do to look after you and yours
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Sun_Addict
    Sun_Addict Posts: 24,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to read this about BIL, hopefully now he's stable he will pick up, fingers crossed xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    After a poor night's sleep I decided to stay home today. Work is a bit of a joke so I doubt they will miss me (or indeed pay me! but hey!)

    My tax rebate cheque finally cleared! Seemed to take forever. I have paid off the spends CC which got out of hand cos I paid for Mum's car insurance(she is paying me back monthly which goes to my emergency savings). Some how I managed not go overdrawn on either bank account.

    I now have

    250 saved for Christmas
    500 saved for summer
    437 saved as my penny a day account
    2050 saved for Insurance (saved is a lie, it is the tax rebate)
    1400 saved in the ISA

    I am waiting for the rabbit insurance to go out. I might be able to put another 1000 in the insurance savings account if I am tight. That would mean all but 385 of the rebate went in savings. Which would be good.

    And the PPI payment needs to be added too - 1200.

    so I am actually doing ok moneywise. that is quite a relief. A big relief.

    And IF I could just not spend on the CC (aside from Netflix, Audible, Office, Birchbox (which I might cancel) I would be in a much easier position for June. As in I could pay a chunk off the CC main debt (4600 :( )

    Plus I am tutoring in June and exam marking. IF I can cope with the exam marking that is.

    I am really tempted to pay off using my savings BUT please don't let me do that cos this money I have now (Rebate and PPI) won't come again. I need to leave it in the savings.

    Needless to say no news on BIL yet. I am just sitting here distracting myself.

    Might go and re pot some houseplants. Or eat breakfast.
    Nevertheless she persisted.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had breakfast, unpacked shopping and didn't lose my rag with mum about the food she bought ;)

    Got a phone call from sister, BIL is off the ventilator but not out of the woods, it is a small step in the right direction.

    Now watching Murder she wrote.

    Can't go anywhere till three 30.

    XX
    Nevertheless she persisted.
  • doingitanyway
    doingitanyway Posts: 9,940 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    You are doing great money wise and sound organised too.

    Repot your plant. I did this recently and the leaves all stretched up to the sky in appreciation. :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I repotted about 8 plants and remembered to water the rest. A few months ago in the depths of winter I quite got into house plants (!) I have always had a few but I started to buy them from Sainsbury's only two or three, which I split and turned into 5 or 6, then I started to buy the ones that looked ropey and nursed them back to health. I counted the other day I have about 30 I think.... I did buy one more from the supermarket but I think I need to stop now..!!


    We have to leave for the hospital in a bit. I can't really bear it. So awful to be so ill.
    xxx
    Nevertheless she persisted.
  • Sun_Addict
    Sun_Addict Posts: 24,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope there's some better news from the hospital xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • pidge04
    pidge04 Posts: 792 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    So sorry to hear this. Really hope there’s some good news to follow.
    Inspiring stuff about the savings!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sun_Addict wrote: »
    Hope there's some better news from the hospital xx
    pidge04 wrote: »
    So sorry to hear this. Really hope there’s some good news to follow.
    Inspiring stuff about the savings!

    there is!

    Shockingly they think he had an epileptic fit due to an infection. God love the man, he was so ill. weird day. this morning waiting for a phone call, to rush to the hospital. But instead he breathed unaided, and was eventually moved to a normal ward.

    such a relief but so bizarre to think yesterday was so awful and how I felt earlier.

    So am sat here eating Ferrero Rocher pondering life the universe and everything.

    XXX
    Nevertheless she persisted.
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