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HELLO From New Zealand
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Wol thanks for the reply. I have read it, just not sure I can act on any of it now. Will have to show OH too.I want a job that is less than an hour driving away from my house! Are you listening universe?
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You cant just pay all that money :eek:I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Right after spending most of last week preparing for DS2's birthday party yesterday (which was great fun, and went really well. I was even relaxed so phew!), I now need a list for the week or else I am going to drift again
So here goes and I feel the need for purple!
Wrap remaining presents started
Send remaining presents sent 2
SORT OUT THE HOLIDAY nope
Write cards and put in xmas letter with the presents started
Washing hokey cokey several times a day for the week done todays 3 loads
degunk baking dish of cauliflower cheese - it had kinda set oops done
sweep floors up stairs
sweep floor down stairs
Sort out knitting needles and wool for mum so she can knit beany hats too.
write up diary at least twice this week.
walking school bus first day done, and had to wear a belt with my trousers cos they were lose - progress
iron brion tomorrow after walking school bus
tuesday take mum for massage at 10
Wash floors upstairs
Wash floors downstairs
Hoover whilst the carpet is relatively tidy.
Find the xmas tree and decorations
Go swimming once at least
DS1 homework. he has lost his homework book, with the whole years stuff in it. So sad for him, such a waste.
DS2 swimming, and last science class tuesday
Wednesday touch finals with DS2 stay for presentation
More trademe the sooner the better.
Leaflets for school car boot dropped of about 10 so far. Only one place had to ask a manager so that was ace! Even asked the postie to take one back for his works notice board!
THURSDAY MAKE MUFFINS FOR CAR BOOT CAKE STALL
Take muffins to school
Friday School trip to local hot pools. REMEMBER TO TAKE DS'S STRAIGHT THERE SO LATE START:j:j. Tag at Raiders - stay for presentation
Saturday Remember OH has a surf life saving course, DS has cricket, and there is the carboot too. Maybe drop mum and DS2 off at the carboot...
Sunday surf life saving gala for DS1,
And the scary thing is I am sure there is more!!!!
There is gardening!!! planted two tomato plants to day to distract me from everything else!!!
So proud of DS1 yesterday. He had a go at getting his patch at surflife saving. this is swimming 200m in open sea and then treading water for a minute. he got about half way, but it was awesome that he had a go. And now he also understands that he will have to put some work into getting it!
chev
I want a job that is less than an hour driving away from my house! Are you listening universe?
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Well done to DS for tryingI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Wowee - that is quite a list!! Looks like you're making good inroads into it already though so well done for that - well done to DS too for trying - better to have tried, and failed, than fail to try at all!
Sorry to have missed all the kerfuffle over the insurance/tank etc too - will be keeping my fingers crossed that it all gets sorted out with the minimum of stress to you.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Hi there Chev.. Saw some of your postings and spotted the NZ tag. Gorgeous place. Only been to SI though..if you get the chance go to Abel Tasman in the spring/ autumn..it's divine.. You may have to do some housework though!!! You need a camper for there really.
Was hoping to come back over this summer ( your winter) but flights will cost the earth and given economic situation and trying to OP mortgage think we may have to rein it in a bit. Also our lovely NZ friend who we would visit is coming over here to GB to see extended family so well thats the excuse..
Lovely diary..will subscribe. Hope alls sorted with A*A..am meant to be renewing home insurance with them..may change my mind...MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
How's things going, Chev?Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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Right after spending most of last week preparing for DS2's birthday party yesterday (which was great fun, and went really well. I was even relaxed so phew!), I now need a list for the week or else I am going to drift again
So here goes and I feel the need for purple!
Wrap remaining presents started
Send remaining presents sent 2
SORT OUT THE HOLIDAY nope
Write cards and put in xmas letter with the presents started and done a few more. Just got people who we don't see, or who only have cheques now to do...
Washing hokey cokey several times a day for the week done todays 3 loads
degunk baking dish of cauliflower cheese - it had kinda set oops done
sweep floors up stairs
sweep floor down stairs
Sort out knitting needles and wool for mum so she can knit beany hats too.
write up diary at least twice this week.:o
walking school bus first day done, and had to wear a belt with my trousers cos they were lose - progress
iron brion tomorrow after walking school bus done
tuesday take mum for massage at 10 done
Wash floors upstairs
Wash floors downstairs
Hoover whilst the carpet is relatively tidy.
Find the xmas tree and decorations
Go swimming once at least
DS1 homework. he has lost his homework book, with the whole years stuff in it. So sad for him, such a waste. FOUND under his seat in the car
DS2 swimming, and last science class tuesday done but last science class cancelled.
Wednesday touch finals with DS2 stay for presentation DS2's team won again, but wasn't finals as there was a problem with the trophies, so next week.
More trademe the sooner the better. OOPS
Leaflets for school car boot dropped of about 10 so far. Only one place had to ask a manager so that was ace! Even asked the postie to take one back for his works notice board! Put a few more around town, and got my mum to drop some about too.
THURSDAY MAKE MUFFINS FOR CAR BOOT CAKE STALL One batch doing. Would have been earlier, but felt rotten and had to go to sleep for an hour.
Take muffins to school
Friday School trip to local hot pools. REMEMBER TO TAKE DS'S STRAIGHT THERE SO LATE START:j:j. Tag at Raiders - stay for presentation
Saturday Remember OH has a surf life saving course, DS has cricket, and there is the carboot too. Maybe drop mum and DS2 off at the carboot...
Sunday surf life saving gala for DS1,
And the scary thing is I am sure there is more!!!!
There is gardening!!! planted two tomato plants to day to distract me from everything else!!! Also planted another 4 pepper plants where I hope they will grow.
So some progress made. Thing with the oil tank weighing on my mind.....:eek::eek::eek::mad::mad::mad:
And then we have found out today, that after being told we didn't owe HMRC any tax for the last year in the UK, we now find that we might owe them as well !!!!!!. To the tune of £20, never rains but it poors:(:(:(_pale_I want a job that is less than an hour driving away from my house! Are you listening universe?
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Loads of progress made..well done.
£20 isn't much money to owe the taxman.
Try not to worry too much about the oil tank thing as I guess it will be a good while before thats sorted out and worrying won't change anything xxx0 -
So some progress made. Thing with the oil tank weighing on my mind.....:eek::eek::eek::mad::mad::mad:
And then we have found out today, that after being told we didn't owe HMRC any tax for the last year in the UK, we now find that we might owe them as well !!!!!!. To the tune of £20, never rains but it poors:(:(:(_pale_
That's *well* under the limit - they should have written that off."Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0
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