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You can't beat me, I will win.
parsniphead
Posts: 2,897 Forumite
Hello all who visit. Ive had my past diary for a long time and I've been neglecting it for one reason or another. Anyway I'm eager to get everything in my life sorted and feel a fresh new start will help. Anyway a bit about me....
I've been here a long time but I'm still in debt. I should have been debt free years ago but I'm a bit, well, daft really. Oh how I wish I had focused more but the past is the past. Time to move forward.
I have a DH and a DS aged 8.
I like gardening, sewing, diy ( I'm trying to do up my house) and being outdoors.
I work four days a week at the local college.
Oh and I was diagnosed with ovarian cancer just over a year ago. I have decided that this can go and %$#÷ Off (insert appropriate word).
Anyway I'm making plans to conquer each problematic area and will be back later with said plans.
I want this diary to be full of positivity so please feel free to kick me up the backside should I become a miserable cow. Misery gets you nowhere.
Back soon. Xxx
I've been here a long time but I'm still in debt. I should have been debt free years ago but I'm a bit, well, daft really. Oh how I wish I had focused more but the past is the past. Time to move forward.
I have a DH and a DS aged 8.
I like gardening, sewing, diy ( I'm trying to do up my house) and being outdoors.
I work four days a week at the local college.
Oh and I was diagnosed with ovarian cancer just over a year ago. I have decided that this can go and %$#÷ Off (insert appropriate word).
Anyway I'm making plans to conquer each problematic area and will be back later with said plans.
I want this diary to be full of positivity so please feel free to kick me up the backside should I become a miserable cow. Misery gets you nowhere.
Back soon. Xxx
1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
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Happy shiny new diary
Look forward to reading your updates.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Nice to see you, Parsniphead. Looking forward to reading your new diary.Have adventures. laugh a lot and always be kind.0
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Happy New Diary 0
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Happy new diary parsniphead xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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Look forward to reading your progress!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £175.8K Equity 32.38%
2) £4.3K Net savings after CCs 13/5/25
3) Mortgage neutral by 06/30 (AVC £20.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 26.3/£127.5K target 20.63% updated 16/5
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.4K updated 16/50 -
Wishing you all the best in your new diary parsniphead . 0
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Looking forward to your new adventures 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 0/1000
Buffer fund 25/100
Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -8750 -
I found you! And I don't know if you want it (delete if you don't) but here is a link back to your old diary.
Here's to many happy adventures in this one. I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Happy new diary!"If you can dream it, you can do it". Walt Disney0
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Thanks to cherry, I found you. Can’t wait to call in for a regular dose of positivity (this can be substituted by Jaffa cakes)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 2lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.1
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