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MFi3 & before I am 40 + my MB journey

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  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Oh summer, I'm hoping it'll be a good one :)

    Well done on going to the gym in say...15 mins...lol....I'm being lazy and not going tonight.

    might say I need to borrow more than £9k or they will offer me a credit card.

    Resist the credit card...resist.....not that you'll stuggle I'm sure

    Wedding plans seem fine at the moment, apparently the hen do is getting organised for the end of June so that should be fun :)
    So expensive isn't and so much tat they try to flogg you too.

    Tis strange how the tat suddenly seems like a good idea for about 5 seconds! I'm holding onto the budget with my teeth

    See you tomorrow!
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Well done on getting the balances right down again - not long to go now :beer: (oops, obviously that's water in the glasses ;))
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    TallGirl wrote: »
    Under 10k total debt now. Soooo nice.

    yay.gifmust be sooooo great :T
  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    SmlSave wrote: »
    Tis strange how the tat suddenly seems like a good idea for about 5 seconds! I'm holding onto the budget with my teeth

    Totally agree I am glad you are not falling for any of that. I remember going to Confetti in London it is amazing what you can get. I did make my own invitations which saved loads and meant I could go mad with paper and ribbon.

    Been a bit naughty with the drink again had 2 bottles of beer but I did go to the gym. Planning to play 9 holes tonight if it stops raining.

    Tried to signed up for a free Experian Report yesterday but it insisted on my paying. I would not show anything so called them. They can now refunded my payment and given me a 30 day trial plus I get 50p from Quidco. Wanted to check how many cards I have as I have cut some up without canceling them.

    Thinking of getting my Tesco one back but have no record of the number on it as that was the one that kept getting fraud on it. Might have to call them up.

    Thats it not really that much to say.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Hope the weather clears up for your golf
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    No golf yesterday did go up there but the ladies did not fancy playing so went home again. It wasn't that nice so no big loss.

    Totally forgot my MysteryShop at HBOS how stupid. I could easily have done it and it was lying on my desk all day. Emailed them to say I would do it today. Hope that is OK.

    Money from Denmark now all in so have paid some more off. £4000 offset is gone and I have paid £2000 off mortgage. That leaves another £500 but I am keeping that back for the door so I don't have to touch the offset. So that means we are down to a £7000 mortgage and no offset that is so nice. That is set to be mortgage free before Christmas if I don't manage to clear more off before.

    Matchbetting will slow down now the football season is over. BArcelona won the Champions League which means my free £30 bet won. I did lay some of it so should clear £90 when Sportingbet pays out. They have been bad in the past but fingers crossed. Got 2 x £10 with Extrabet as there was a goal in the game. Also got a free £10 bet on the FA Cup from Betfred. There were loads of other offers but only did a few.

    Got appointments today and tomorrow so better get on with it. Also friend is fitting our door this morning as should be here by 8.30am or so he said we shall see.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Got the new door fitted really nice so pleased with it. Cost £1000 plus £50 to fix the gate so very happy with that. Should keep the heating bills down in Winter too.

    Sporting bet has paid out so £90 won on that one. Very nice. Not going to be a lot going on now just a free bet on the FA Cup so might take a break from it.

    Paid another £500 off the mortgage so that is the full £6500 paid off my mum gave me plus paid for the door which leaves me skint for this month but I am pleased I have done it.

    DH business is still having a hard time. He thinks they can afford to keep the internal guy on for 6 more weeks which does not take us up to August when we go on holiday. Might have to have a chat to him about that. If I had known we could have gone in July. I think the chap will think about it and go part time if he is presented with redundancy but they have not even mentioned it again.

    Only going locally today but have a lot of stuff to do before I go. Need to get some more keys cut as we only have 3. That was another problem with the old door any new keys never fitted properly.

    Going to see my personal trainer tonight not done a lot and put on weight but hopefully he can motivate me a bit.
    Take care all I hope you have time to enjoy the sun.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Yay for the new shiny door and betting win!

    Are you thinking of changing your holiday dates then?

    Its lovely weather here too :) Remember your suncream
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    No we cannot change the flights now or we shall loose the Airmiles. I don't know what he is going to have to do. Maybe take a big paycut in August to even things out. I don't really mind just want us to be able to go to Denmark.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Have had a lovely weekend lots of golf and sunshine. Went to the European Open with neighbour and friend yesterday. Took a picnic so did not cost a lot as my petrol is obviously free. DH did hit a curb on the A3 and I now need a new tyre again lycky I don't have to pay for that.

    Played myself today and a lot better than I have done. Think I might finally get back into things would be so nice.

    Chilling out this afternoon but just been out to check on my potatoes and they are quite large so guess what we are having for dinner. It is so cool to have my own just wish I had noticed earlier but these done go into flower so had no way of knowing really. Need to mow the lawn again and should really go and get some more soil for the other bags but not sure I can be asked. Hope you are all enjoying the sunshine.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

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