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

PennysIntoPounds

No email from Ernie for me but you can check if you have your holders number to hand

https://www.nsandi.com/prize-checker

pebbles01

Prizes announced, but nothing here...

Good luck!

LadyWithAPlan

Yep no Ernie wins for me in April

April SIPP - added extra £500 yesterday  -  yes just 2 '00s -m but at least thats £95 less tax to pay I would do more but waiting on invoices. Will see where I am at Friday 5th... I really want to add more but I cant do much unless I start taking some from my hse deposit savings until I get paid.

Grocery Challenge set at £150 plus bulk (bulk being freezer and bulk items to last beyond the month.
Currently eating from freezer and stores - made a lovely dal in the PC just having soaked the pulses yesterday and served with loads frozen stir fried up veg, frozen broccoli (cooked obv!) and some left over bits Easter meat my parents sent home with me..

Was fairly exhausted today - managed a few bits but really  to be expected... me and my sofa had a hot date ... 

Tracking on here NSD's again and MG
3/13   so far

MG  31!
1 yesterday 
30 items today so far - far more as did loads papers...

savingholmes

Lots of progress being made. 

You sound quite hard on yourself over the voluntary spends - but you had a mini holiday so it was understandable spend. Perhaps you need a clearer holiday savings pot so you can ditch unnecessary guilt.

SC - I did love the timelord ref.

Suffolk_lass

LadyWithAPlan said:

Cheery_Daff said:

Sounds like a good plan to offer to cook! And maybe he thought you were suggesting he look at flats with you - perhaps a bit early however enthusiastic he is!! Meeting him afterwards might work though 😊

You are sounding very organised and on it!

Ha! No he knows I am buying on my own, I would never again get financially involved with someone (unless I am married and even then ... ) 

Anyone know if PB have announced their prizes? As if so I have not won this month

03.24 this morning, my email arrived

Watty1

No email here so maybe a knock at the door later   One can hope

I started cooking for the VNM very early on.  I cook well and it was so much cheaper than going out and the VNM always picked up the bill and I wanted to equal things out.  

debtfreewannabe321

LadyWithAPlan said:

Was fairly exhausted today - managed a few bits but really  to be expected... me and my sofa had a hot date ... 

I also had a hot date with mine yesterday smile:

I am impressed with you doing your own taxes. I had to file a capital gains one and had no clue, I couldn't get into my gov. website account and had to spend ages resetting the password. Then after weeks of not understanding how to do it, DP made me an appointment with a company who does this for a living. I was grateful to throw hundreds at them to pay them to do it over me.
I turned up and promptly burst into tears when he asked me to explain the numbers I think he felt sorry for me or thought me mad (maybe both) and asked for the passwords so he could log on.........in my annoyance at trying and failing so many times to log on and having to keep resetting my password I had used an expletive starting with F and a Y0U_@LLGuV at the end. I have never been so embarrassed. He tried to conceal his smile at my password (since changed) and filed it for me there and then and then said, please keep your money consider this your free hour consultation, leave me a review instead! I promptly changed my passwords when I got home and left a glowing review! I hate taxes...... lol

LadyWithAPlan

@debtfreewannabe321 so sorry you were so traumatised and love your password ! 

Glad you had a nice man to help - lots of people feel like this on taxes and money -I sm  the weird one 

I am realising I can be incredibly stubborn and I like software so for me it’s a puzzle I  want to figure out and I will win .. as a kid I set up all the videos and the dvds and the tech in the family home - from about 6 yrs of age when I could not really read tech manuals so I have always just seen it as a game - oh look it’s on (!) 

I was surprised how awkward system was in some parts - I had basically had submitted the 2 filings - companies house and HMRC - and got an email stating they had received my ct600 but then it clearly showed  I had not filed so I did it again and it said it was not submitted and an email stating my CT600 was Not received .. 
plus in the middle their wording was v unclear so that took me a while to get the figures added in in the right place .. I was v clear on my figures being accurate  which helped ! 

Hence my call to check … 

debtfreewannabe321

I wish I had a RL friend like you we all need someone who enjoys doing taxes! I would have paid with copious amounts of wine or tea, and cake or olives (or whatever your tipple and food preference was )

LadyWithAPlan

Watty1 said:

No email here so maybe a knock at the door later   One can hope

I started cooking for the VNM very early on.  I cook well and it was so much cheaper than going out and the VNM always picked up the bill and I wanted to equal things out.  

Yes indeed! It’s a nice way and I think better way in some cases, more intimate . Often nicer food. 

I will pick up off drink /coffee etc but MWAP always picks up big tabs 
I went to loads of evening cookery schools so I learnt plus with my allergies it’s a pain having to have the GF conversation 
I have of course won the £150 gift card so that will cover 2 meals or 3. Waiting for it to arrive 
hoping I can mix it with my student discount ! 

Thanks @Suffolk_lass  hope you had a decent win 
 went into my acct April 2nd so looks unlikely 

final day of tax year 
will edge a small amount over to SIPP - still not been paid big promised invoice but dont  want to tape loads out of nominated house deposit savings 

going out to see a friend this eve at a private members bar and seeing the new man from Saturday afternoon - will get food in later today to cook 

romance is not dead / I accidentally left my HRT at his when we went on holiday - and so have suggested he leave it at his as a spare . I did say I am fine if he doesn’t want that and also he  can easily throw it away if we split up as it’s a spare .. I found it a bit forward and a bit cute  when last years text ex left reading glasses at mine very early on ..
But then I had to decide what to do with his stuff once I had them been dumped by text and didn’t want any further conversations (I refused to call him back or respond to anything else as people don’t behave like that to me and get to have my attention  in their life in any context ) 


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