Hurrah, my MFW quest has started

Sepa74

Sorry to hear you've been poorly. I hope you're right as rain now!

abouttimetoo

Hi Sepa, thanks for stopping by

Unfortunately I think I'm worse now than I was when I posted on the last week I went to the docs the next day and got some anti-biotics so I'm half way through them now and I've started to take a tonic again today which I used to take a few months ago and then got out of the habit of

I think if I'd slowed down nearly three weeks ago when I first started to feel bad then it might have helped. I don't know about you but when I look back at the odd times that I've been bad you keep trying to push through it, sometimes this works but then other times it just seems to store up trouble and then when you eventually give in (which I've done now) it all hits you!

Regards
ATT

abouttimetoo

So.... I've eventually got round to updating my signature for my April OP's, usually that's my favourite task of the month but I just haven't had to the oomph to do anything recently

But, it's done now! It also shows some nice things

• i've just tipped into the over £40k repaid since I started my diary four years ago (April 08) so an average of £10k repaid a year and whilst good it's still not good enough
• I'm at 25% of my stated OP aims for the year so bang on track though definately want to exceed it
• that said, ive stated I wanted to make capital reductions of at least £1000 per month and I'm a little behind with that, £297.73 to be exact but I think I can make that up this month

In other news, I think i mentioned I've had a small pay rise so that will kick in this month and will also have a month backdated

I've also had a kind of unexpected bonus. I think it will be c. £2.5k and I've decided to use some of it to repay the remainder of tax loan from parents and also do some stuff in the house like decorating and cleaning of carpets and furniture. I'd wanted to do it last year then talked myself out of it as being a bit irresponsible while owing parents money and it wasn't desperate to be done. So, I'm definately going to have it done now; i did get some quotes last year and know who I'm going to go with so I just need to arrange that but it's unlikely to be done before July.

Regards
ATT

Tilly_MFW_in_6_YRS

Hi ATT, so sorry to hear you have been so ill. Sounds like you were 'poorly bad' and hope you are taking good care and getting plenty of rest.

Congrats on the pay rise and bonus, it all helps :T

Best wishes Tilly x

Takeaway_Addict

You've done bloody brilliant!

Can't say anything else...just wish I had no debt so I can hit my mortgage but am only on 1.49% so need to keep hitting my debts really!

misscousinitt

Hope those anti-biotics are doing the trick.

£10k a year for 4 years is a great achievement!!

Get well soon.

MCI
xxx

abouttimetoo

Takeaway_Addict wrote: »

You've done bloody brilliant!

Can't say anything else...just wish I had no debt so I can hit my mortgage but am only on 1.49% so need to keep hitting my debts really!

Hi Takeaway Addict, thanks for stopping by and for your kind words about my overpayments, I'm getting there it just never seems fast enough does it and I need to really knuckle down if I'm to meet my planned MF date as I'm a bit behind track at the moment

Well done on your own achievements, i can see by your signature that you've started to make inroads to your loan and have a plan to cut the term by half which has got to be a good thing. You never know, as your balance gets lower you might be able to do some clever reshuffling of the debt to a 0% credit card or rate for the life of the balance that is lower than your loan interest rate

Good luck with your plans
Regards
ATT

abouttimetoo

misscousinitt wrote: »

Hope those anti-biotics are doing the trick.

£10k a year for 4 years is a great achievement!!

Get well soon.

MCI
xxx

Hi there MCI, thanks for stopping by, I'm still bad but have turned a corner now I think (hope!) the first set of anti-biotics weren't fuly effective so I'm now on the second (and stronger!) batch

I think my brain is now starting to work a little too :rotfl:so if I'm up to it later I might even have a play with my spreadsheet

Regards
ATT

abouttimetoo

Tilly_MFW_in_6_YRS wrote: »

Hi ATT, so sorry to hear you have been so ill. Sounds like you were 'poorly bad' and hope you are taking good care and getting plenty of rest.

Congrats on the pay rise and bonus, it all helps :T

Best wishes Tilly x

Hi Tilly, yes, I'm poorly bad Let's just say I am now getting plenty of rest and taking care (should have stopped and done it sooner!). I'm still not quite right but things are improving so hopefully I've turned a corner.

I'm off out for lunch in a mo and couldn't have even faced the thought this time last week so that's got to be good

Regards
ATT x

Tilly_MFW_in_6_YRS

Morning ATT, just stopping by to check you have made a good recovery? Hopefully you have spent sme lovely times in your mother's garden . The glorious sun has made such a difference hasn't it?

Take care Tilly x