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You can't beat me, I will win.
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Ah thank you clearmydebts. I've left the forum many times but always come back. I think I will always be here.
I've just ordered DS's bed and mattress. Bit of a chunk of money but it's something which is needed. I have a six week delivery turn around so I'm setting that as my target for having the main parts of the house decluttered. I'm not sure if I will get the cellar done in this time but I will try.
I've also said I will paint DS's bedroom. Be smeared it in Vicks about 18 months ago but I haven't got round to redecorating yet. It looks a state at the moment.
From now on its ultimate frugality. No more frittering.
Anyway have a great day. Enjoy the sun.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.0 -
Good news about the tumours and good luck with the decluttering plans"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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Been at work today but I really wanted to be home.
I've been lazy tonight and have been watching a documentary on YouTube called Poor Kids: Forced to grow up poor. My goodness it was harrowing and I felt sick watching it. If I ever needed a kick up the bum to sort my debts and finances that was it. That will never be my boys life and I will do everything I can to prevent it. I think my life changed forever tonight watching that. The children in it were so bright, elequent and lovely. They didn't deserve the life they have. It's a heck of a watch and I think it will prey on my mind for a long time but I'm going to take something away from it.
I've joined the one debt v's 100 days and have made a start. I'm going to look at my budget for the next month as payday is Friday and see how much I can squeeze from it to throw at debt. I'm on fire and will get rid of at least one debt in the next 100 days, maybe two if possible.
I had to go for a blood test tonight before Thursdays chemo. My goodness DS was a pain in the bum. Not wild but just a g1t to be honest. Never again.
Anyway time to do some stuff. Have a fab night. X1 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.0 -
When I did one debt in 100 days I found it really really helped.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 -
I did it once before beanielou but had a car to scrap. It's going to be harder this time but I'm eager.;)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.0 -
I'm doing it this time too."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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Good luck with the challenge. Hope chemo goes well tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Im doing it as well 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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parsniphead wrote: »I did it once before beanielou but had a car to scrap. It's going to be harder this time but I'm eager.;)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) 25/0720250 -
Thanks everyone. The chemo is done for another three weeks then back to it again.
I was paid today so I've sorted all my saving bits first. Ive never done this before. I've put some into my emergency fund, some into my annual bills pots and paid some off my 1 debt v's 100 days challenge. It feels very good.:D
I have a huge pile of washing to put away tonight then tomorrow a final good vacuum round for the month. I post the weight of dust tomorrow. I've still not cleared the sewing room so there is probably about 4lbs under the clutter.:eek: Anyway the rest of the house is coming together so things are going the right way.
I still need to complete the patchwork bedspread so hopefully I will get that finished in the next two weeks. I want to get the c......mas gifts wrapped too.
Well it's time to get DS to bed, then some time for myself.
Have a fab weekend all. X1 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.0
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