Future Proofing my life: Deposit saving then MFW journey in under 13 years

savingholmes

I personally would avoid the JKW. There are better places out there. 

The holiday plans sound lovely.

You've had some over-paid invoices? Does that mean some are now up to date?

LadyWithAPlan

@savingholmes yes !! 

The 1-2m away JKNW does worry me but not as much as the EA behaviour - manager now ignoring my detailed showing of the 2 day delay ... and banging on about flat prices.. I have stated that it is not about the flat but the behaviour - unacceptable and illegal so now I am to complain to head  of business ,... I sent a quick email but  got a '  im on holiday for a week bounceback...'

Humdinger1 said:

They picked on the wrong one with you @LadyWithAPlan!!

Yes they really did, I have a lot of experience arguing for good causes and using  a lot of legalese plus I am great at reading contracts ...  I never have used the power in my own personal life ..  but its time.. 

A v  good friend is a barrister and she is always on the case for standing up for others. so she is cheering me on .. She once had a higher bid ignored - EA said he never got it so she got the IT department to look and the EA said he hadnt seen his emails!  They had gone with the lower bidder by then but then their financing had fallen through and they emailed her a few months later saying are you still looking ..

Merlin's_Beard said:

I love the idea of hanging signs on doors as you pay them off.

I do feel like this flat is full of bad vibes from the EA to the JKW.

Me too ! On the doors and the EA/JKW grrr - such a great light filled flat though and those period features! 

I will have to invent some art for doors or walls of rooms  paid off - as been a nice motivation when I move in  to really appreciate that 25% or so immediately bought with my deposit paid off as I face a £300k plus  mortgage...

Watty1 said:

Nice plans for the trip away and so much less stressful to be focused on the company than the destination. There is time for that in the future

My ears perked up at the idea of a MB app.    I've only dabbled lightly with MB.

My pretend bets at Cheltenham did very well   I don't actually bet as i think that could be addictive but I have fun picking out horses and watching or listening to the odd race.  MB is of course different so allowable!

Watty I didnt do much Cheltenham - however I did win £400 on  small stakes over the 4 horses..on that one afternoon - I was doing extra places which all came in unusually! .. so long term variance./value.. like casino

I have made a lot over the years on MB but now mainly Casino as most bookies have gubbed me on the sports side  as I have taken too much value from them  ...  poor them...
 I have a referral code and a free trial if you want to DM me. It is full of videos and next step so took me from completely ignorant and I have made 10s of thousands now ..  I lost my excel  of mb tracking  from my first 2 years of profits which is always the most as lots of sign up offers  at the start  but I have made easily £5,750  per year tax free since... and I always put my MB profits  beyond my float split between my hse deposit and my sipp 

On the 'app' it isnt an app its a next level odds/data  breakdown for identifying value on horse extra places, and other value advanced  trades with MB  - so for advanced which I am now.. (They have finally agreed to let me have a few days trial after my holiday as been with them so long  so then I can see if I think there is value as its expensive. I have renewed at my normal rate 

South_coast said:

I don't think my brain is up to MB, so I just did a normal bet on the Gold Cup. Won £8 (or lost £12, depending on how you look at it 😀🤣)

I am sure your brain  would be fine as  the sites that teach you as  with the one I use -  do very clear videos and  step by step instructions..  my mum does it, started post 70 yrs of age  and has fun and makes money - she is quite a whizz with Saturday horses and football accas now ! - she is very low stake and not a gambler - indeed as neither am I.  Those with gambling tendencies should definitely not go near MB - though no real adrenalin in many cases as you lock in your small profit so the outcome doesnt make much difference to your profit unless you choose to underlay etc.. Trading/gambling is different from MB.


YNAB - just paid for travel insurance renewal - annual  worldwise inc business cover  but not winter sports, registration for a work event abroad   and also had the joy of realising I had already put more than enough in my personal travel pot over the last 2 months so the flight I paid for is covered...
I went for cashback but not sure if its registered as I had so much on.


AGE OF MONEY 37 DAYS 

Grocery spend  £53.45 + bulk 0 + junk crisps £7.45 - this is v low  spend however prosecco/champagne YNAB pot looking  quite low as well due to the spends.
Low grocery spend as been away, MWAP is taking me out to eat  a lot, I was away last weekend and will be abroad on a holiday  this coming weekend and I am rifling through my freezer. I did go to Iceland to stock up on frozen veg and their great Cauli rice in perfect size packs works out at 50p per pack - 100g which is cheaper than buying fresh and grating

MWAP is taking me to a sunny climate _ I paid for my flight - as he wants to spend some chilled quality  time with me (argh)  ... hopefully sun will be shining and he doesnt get too upset about all my excess luggage I always take   He has paid for an extra trolley for me Better to know my faults  now I reckon.

Dancing - Sat night - i went out with a  friend and such a great dance and laugh.. one round of 3 drinks £38 (2 pros, one red wine) , one round of 2 prosecco £24, but on guest list so free entry and got the tube out and  bus home  

Just found loads of old great clips on youtube including this one from Janis Joplin  - love her so much - before my time  but that voice, that soul  kills me every time.. She died the next year ...

Janis Joplin "Maybe" on The Ed Sullivan Show

LadyWithAPlan

EA Watch 
manager came back ignoring my concerns said it’s just the EA could have managed communication better . So need to write the full complaint out as man I am composing to is away till Monday. 
Not oooked at anything else as no time this week

I have taken a huge amount on at present / feeling quite stretched - lots of projects, admin (taxes, registrations, work things, necessary info) all need doing now or next Wed or by 31st  so fact I am off on this weekend break Friday early is not helping this feeling of ‘how am I going to get this all done’ - managed to break a wheel on my small bag coming home last week somehow so need to borrow one or buy a new one - will pop to TKMaxx before a meeting today / hate this unnecessary time waste plus like a specific carry on 

I am  not thus as excited as I could be re my first trip with MWAP but I am sure it will be lovely once there . Starting to date and the time it takes (phone chats getting ready actual dates and this first trip) is so lovely but it’s a lot of time in my already busy life - gym has slipped and I need to get more productive rather than stressing about what things I keep shoving off to tomorrow 

either way my very long to do list this week or by mid next week is a bit !!!!  .. so chanting first thing to then get focused 

Due to long to do list I have been doing some major admin bits at nights so then going to bed a bit later which isn’t great - however I am happy to recognise I am doing well - chunking thru some things saying - just get this done before bed so travel insurance renews - a work trip flight with stop to see friend first is booked, a conference registration applied for so actually I am working well and it’s fine  so I am reframing my stress about this as yes it’s loads but I am doing it 
 I am the one saying yes to a lot. I also really want a pedicure with shellac for the beach - a twice annual treat .. so will aim to do that today as well - might relax me 

savingholmes

Enjoy your trip to sunnier climes.

It does sound full on with you but you are great at juggling. I would look at whether any of your urgents can be reprogrammed for later.

Watty1

Goodness it sounds exhausting but there is a relaxing trip  in sight -  good call to go for that rather than a "to do" trip

TallGirl

You can do it definitely sounds like you have a fight on your hands with the EA (as you know I am not a fan) go for it. Worth it for your own sanity to have your say just do not expect too much.

End of tax year sounds hectic hope you get it all sorted and can get off and relax sound perfect I really hope you get on well and manage to recharge your batteries. 

debtfreewannabe321

You have got a lot on indeed, but I hope you have a fab time away. Perhaps the few days away in between the hard work will be just what you need to get it all done with a big recharge right in between now and deadlines. 

skint_spice

I hope you have a lovely trip☀️

beanielou

Enjoy your trip. 

pebbles01

Have a fabulous trip and well deserved break!