Mortgage free & able to live the dream!

try_harder · 7 February 2018 at 11:11AM

I would say that £2,500 in a month in savings and OP is absolutely amazing .Well done

SWSEGirl · 7 February 2018 at 3:31PM

Thanks Try harder! I've been questioning things this week, but do feel we're making progress. x

gallygirl · 7 February 2018 at 7:11PM

SWSEGirl wrote: »

Other attendees have invested in new dresses, but Ive worn something old- not sure it's really up to black tie standards....but there you go!

Next time you go to 'the country' check out the charity shops - amazing bargains to be found for posh frocks

SWSEGirl · 12 February 2018 at 9:10AM

Happy Monday!

After a lovely weekend I'm gearing up for a busy week at work - but only 11 days until payday & my bank balance is still looking healthy. Student Loans have received my paperwork & I should be given a refund by the 20th Feb - although my past dealings have been less than encouraging!

Stupidly I also lent a friend £200 3 weeks ago.....to last her until payday on the 1st Feb. I'm not sure why I did this really - she & I are paid the same, so I don't think she can be desperate, but I wanted to help & I remember the feeling of not beingable to reach payday. Obviously the 1st has been & gone with no mention of repayment & now I feel like a bad guy if I chase her. I know I can get to payday without the cash, so maybe I'll wait it out a bit longer....

I've better news I've paid a decent whack to my credit card this month - so hoping to clear this in the next few months

I made some homemade bread rolls last night, so I've got one of these to accompany my veghie chilli lunch today & I'm generally feeling ready for the week ahead!

gallygirl · 12 February 2018 at 10:26AM

SWSEGirl wrote: »

Stupidly I also lent a friend £200 3 weeks ago.....to last her until payday on the 1st Feb. I'm not sure why I did this really - she & I are paid the same, so I don't think she can be desperate, but I wanted to help & I remember the feeling of not beingable to reach payday. Obviously the 1st has been & gone with no mention of repayment & now I feel like a bad guy if I chase her. I know I can get to payday without the cash, so maybe I'll wait it out a bit longer....

"How dare you ask for the money back? You obviously don't need it if you could afford to lend me it in the first place. Of course I'm going to give you it back. Em..... next month? Bit hard up this month. Got to go, getting my nails done."

Saved you the bother of asking her :mad:. That's why I won't lend money (other than €5 for an exercise class etc. because someone forgot their purse) - you often end up being the bad guy

.

try_harder · 12 February 2018 at 10:32AM

Oh you are too kind ,i have done that too in the past and as gallygirl said been made to feel horrible for asking for it back

Tahlullah · 12 February 2018 at 8:47PM

When I did the same with family, I decided to write it off. It was easier than having to run the gauntlet every time. I learnt it was easier to let it go than deal with the guilt of daring to ask for it back. I can't imagine the same scenario with a friend - who by the way would not be a friend for long.

Let us know how it goes.

SWSEGirl · 13 February 2018 at 8:34AM

Thanks everyone - I feel really silly over this! The thing is, if anyone lent me money - I would endeavour to pay it back as soon as I could. I'd be embarrassed to be chased. I really should never do this again - as asking for it back makes me feel like a bad person (gallygirl summed up perfectly!) I could afford to write it off - but it wasnt lent to a desperate person (she's been partying since!) And I think it would be unfair to my DH since we're really trying to save together & lending this money was my decision.

In other news, my SLC refund is showing on my account - so will hopefully clear in the next day or so. Had an NSD yesterday & should be another today. Shame all these NSD's are cancelled by the money I lent out!!! Aargh.

SWSEGirl · 15 February 2018 at 8:52AM

Definitely not an NSD yesterday - but money spent with good reason. A very close relative to DH is extremely ill - so I bought DH last minute train tickets to go and visit. £115 well spent though - but may be time for me to call in the money I stupidly lent out.

This expense has made me think- just a couple of years ago I might not have been able to afford to spend £115 in an emergency - being more savvy & mindful has given us so much freedom to do what's important. Profound thought for a Thursday!

shangaijimmy · 15 February 2018 at 9:09AM

I am a very black and white person according to Mrs SJ. Ask for the money back straight away. In no way should you feel bad about the situation, and equally don't be concerned about making the "friend" feel awkward. They have created this situation. My other mantra is around 'energy sappers', and not tolerating them!! As you said you didn't need the money, when you get it back use it for a treat as a reward for the anguish created!

In happier chat, am loving your progress and updates. I'm not sure you need any advice but a big thing that works for me is having monthly targets in the opening post on my diary. It helps me to keep logging in and checking progress, and then getting the satisfaction of crossing things off.

Best of luck with everything.

Mortgage free & able to live the dream!

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