DFW to MFW before 40?

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  • joedenisejoedenise Forumite
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    Wish I was a bit nearer - on a good day it's about 40 minutes but quite often can take more than an hour particularly if I've got to be there for a 9 o'clock appointment!  Fortunately this week's appointment isn't until 10.20 so hopefully won't take more than 45-50 minutes.

    I'm on Sheppey and we've got even higher figures than Medway!  I'm not surprised as there are so many idiots here who don't even bother wearing face coverings when they go in shops, or if they don't think they only need to cover their chins and/or mouth!  DH and I tend to spend our time trying to avoid people frequently crossing the road when we go out for a walk.

  • BetharooniBetharooni Forumite
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    Yes the figures for Swale are very high per 100,000 but the actual figures is higher for Medway - we just have a higher population. Think there’s about 800 cases for Swale, but over 1000 in Medway. My brother lives in Newington and my nieces go to school in Sittingbourne so I keep a close eye on the figures for Swale as well.

    You’re lucky having an appointment then, it should be much quieter on the roads. The hospital car park is much quieter now too.

    B x
    Save £15K in 2021 #13 £ £13,518.67/£15,000 / £17,032.87 saved in 2020
    Make £2021 in 2021 #2 £1,162.46/£2.021 / £1,897.24 made in 2020
    3-6 Month Emergency Fund £2,550.32/£5,000
  • joedenisejoedenise Forumite
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    Thanks @Betharooni.  DH will drive me there but obviously going to have to sit in the car while I'm in the hospital, normally he would come in with me.  The appointment has been cancelled twice but I've had 2 reminders so hopefully it won't get cancelled at the last minute!  Hopefully I will be getting discharged following an operation back in February!  I should have had the follow up in April to be discharged but could only have a telephone appointment but the consultant said if she had been able to see me she is certain she would have discharged me as it sounds as if everything is OK but I can't be discharged without have a camera down my throat to check my voice box!  It's obvious to me that it hasn't affected my voice!

  • BetharooniBetharooni Forumite
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    Hi

    Had a pretty quiet week since I last posted. The only things of note financially are that I’ve sorted out and sent another parcel to Ziffit and am almost able to cash out another £5+ on Prolific. Non-financially, I took some rubbish from the house to our local tip yesterday. As it’s now December I’m doing a Christmas film advent, so I’ve recorded a load of Xmas films and am working my way through them. I need to sort out doing my present wrapping as we have to deliver some next weekend. Add in work and TOMM and that’s largely it at the moment 😕😕

    B x
    Save £15K in 2021 #13 £ £13,518.67/£15,000 / £17,032.87 saved in 2020
    Make £2021 in 2021 #2 £1,162.46/£2.021 / £1,897.24 made in 2020
    3-6 Month Emergency Fund £2,550.32/£5,000
  • BetharooniBetharooni Forumite
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    Hi

    Not much to report but here goes. I’ve sent another parcel of books to Ziffit and got the money through for the box I sent earlier in the month. This latest box is for more than £10 which is my biggest payout so far for a single box so well happy with that. Took it into local Collect+ shop on Sunday. Don’t seem to be getting much on Prolific but trying to check a few times a day. 

    Non-financially I’m pretty much surviving until the end of the week and my two whole weeks away from work. Still loads to do though before I sign off on Friday. I have another tip run booked for next Monday, so will hopefully be able to clear some more items from the house. My Xmas film advent has gone off track, mainly because my brother keeps bringing his DVDs down to watch instead. Will aim to catch up over the weekend maybe. I’m trying to finalise my New Year’s Resolutions/goals for 2021, as this year has been a nightmare as far as the goals I set for myself. I’ll probably share them nearer the end of the year for some accountability.

    B x
    Save £15K in 2021 #13 £ £13,518.67/£15,000 / £17,032.87 saved in 2020
    Make £2021 in 2021 #2 £1,162.46/£2.021 / £1,897.24 made in 2020
    3-6 Month Emergency Fund £2,550.32/£5,000
  • BetharooniBetharooni Forumite
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    Hi

    It’s been more than two weeks since I last posted but it’s been pretty quiet since then to be honest.

    Christmas in tier 4 was a pretty quiet affair - my mum and I did a little bit of baking which we delivered to my brothers on Xmas eve, and also picked up/dropped off any remaining presents. Xmas day involved Zoom call to watch niece and nephew open their presents, which was lovely. We had watched my other two nieces open their presents on zoom a week earlier, as they were meant to go over to Ireland on 20th (which was obviously nixed due to going into tier 4). My brothers and I agreed to not get presents for each other as we have just been giving each other money and vouchers so it just wasn’t worth it for any of us. So I just got a couple of books from my mum and some token gifts “from my nieces and nephews”. Was an ok few days, though it was disappointing not to be able to properly spend time with family.

    I’ve had the two weeks over Xmas and New Year off work - it’s been lovely to escape from work and recharge my batteries but, to be honest, it’s flown by and I wish I still had another week off. It started with having a symptom-free COVID test and will be ending with another 🤦‍♀️ as we had a letter from the council saying you have to book another one. Fingers crossed this one is negative as well.

    I’ll post about New Years resolutions tomorrow or over the weekend.

    Hope you all have a nice evening and here’s hoping that 2021 is a better year all round.

    B x
    Save £15K in 2021 #13 £ £13,518.67/£15,000 / £17,032.87 saved in 2020
    Make £2021 in 2021 #2 £1,162.46/£2.021 / £1,897.24 made in 2020
    3-6 Month Emergency Fund £2,550.32/£5,000
  • savingholmessavingholmes Forumite
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    Happy 2021. Good luck with your goals and your return to work. I don't think any of us are exactly raring to return.
    Target 1) Clear CC debt - £1707 to go (but debt neutral) @ 0% Target 2) Lose weight & get fit 3) Write regularly 38113/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 262 payments to go. Now £200720. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £187 including tax relief
  • BetharooniBetharooni Forumite
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    100 Posts Second Anniversary Name Dropper
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    Hi

    Sorry for the lack of updates since the beginning of the year - to be honest I’ve had a bit of a break from the forum and am just feeling like I want to join back in now.

    So, what has happened over the last few months...my biggest news is that I’ve booked to go on a cruise next year. My aunt turns 90 and my cousin is getting loads of family and friends to go on the cruise with them as a surprise for her birthday. It’s going to the Norwegian Fjords. I’ve already booked a couple of excursions that will help me fulfill some bucket list dreams and will be paying that off and saving plenty of spending money between now and then.

    I’ve still been suffering with my migraines and have been painkiller-free since October, which has been hellish. I was referred to the Pain Management clinic at my local hospital and have been told that it’s likely to be a further 3-6 months before I can see anyone there, so I’m going to see a pain specialist through a local private hospital and get the injection I was being referred for through them. It’ll be around £800 for appointments and injection but if it reduces my pain levels it will be worth every penny. 

    We’re expecting to move to our new work building between July and September so we’ll definitely be working from home until then and we’re hoping to work part of the week in the office and part of the week from home, subject to finalising some “hybrid” processes. Working from home suits me with my head so I’m happy to do whatever to make that work. 

    Tiring now so will sign off for now but will update on other stuff later.

    B x
    Save £15K in 2021 #13 £ £13,518.67/£15,000 / £17,032.87 saved in 2020
    Make £2021 in 2021 #2 £1,162.46/£2.021 / £1,897.24 made in 2020
    3-6 Month Emergency Fund £2,550.32/£5,000
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