Thistle grasps the nettle! Again....and no sting this time!!

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  • greent
    greent Posts: 10,671 Forumite
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    DFoD - check if your GP surgery will do referral in your area (SWoR) - here in Glos they do and that entitles you to 12 weeks paid for, which is a great start - and that can motivate people to carry on. You need to meet certain criteria, I think, but your practice nurse should be able to tell you those - and it's likely that the receptionist may even know whether the referral scheme is offered locally to you x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    greent wrote: »
    DFoD - check if your GP surgery will do referral in your area (SWoR) - here in Glos they do and that entitles you to 12 weeks paid for, which is a great start - and that can motivate people to carry on. You need to meet certain criteria, I think, but your practice nurse should be able to tell you those - and it's likely that the receptionist may even know whether the referral scheme is offered locally to you x

    Good idea greent, we don't have that in our area so that never crossed my mind.

    T;)
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    Thank you both - that's massively helpful!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Watty1
    Watty1 Posts: 4,928 Forumite
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    Thistlewhistle wrote: »

    Best role I have ever had in my life. It's amazing to see people change over time and achieve their goals and dreams.

    It's so special to have played a part in giving somebody their self esteem back.

    Goosebumps time!!!
    T:T


    What a lovely way to describe your work :)
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Watty1 wrote: »
    What a lovely way to describe your work :)

    Thanks Watty.

    T;)
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Walking a tight rope of despair this morning. Sitting in the waiting area of the Citroën garage waiting to see if my puncture can be repaired for £15 or whether it'll be a new tyre for heaven knows how much. Only £50 in the car repair category on YNAB so I may have to borrow from another category and go without.

    What could I forgo? Clothes, barbers? Naked Turkish Massage?

    Only joking on the last one......

    I'd never give that up :rotfl:

    T;)
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Result!

    Puncture was repaired for £10 so that was a surprise. However, it's the second puncture in that tyre since I bought the car 12 months ago. It's a temporary fix I feel. Car has done 16,000 miles so it'll be needing a tyre change soon anyway. Need to get saving as they're not cheap tyre either.

    Anyway, been into Bee&Queue to find out about new bathrooms. I'm sick of mine. A decent one fully tiled could be as much as £7,000 :eek:
    At the moment my bath leaks and can't be used. I know though that I've I can only grow my groups and get my bonuses, 4 months and I'd have saved enough, so that is my focus now.

    Pay off cc debt I have at the moment
    Save for new bathroom.

    It's like attacking the mortgage issue from both sides. It'll increase the value of the house and decrease my LTV I hope. Might be a better and quicker way of doing things.

    Just rambling thoughts....

    T;)
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
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    Busy day today. I've to sort out changing the signatories on bank accounts
    S for an organisation that I've just become Treasurer of. What a nightmare these forms are! Totally incomprehensible!

    Money news.....
    Everything is progressing nicely. Just waiting for T3sco CC to send me a first statement so I can begin laying off the balance. Get paid on Wednesday (my monthly income) which will be nice and allow me to budget my bills upto 23rd October. Result! Then I'll only be 8 days away from living pay check to pay check on my bills.

    Thistle ;)
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Orange_Ena
    Orange_Ena Posts: 1,297 Forumite
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    Thistlewhistle wrote: »
    What could I forgo? Clothes, barbers? Naked Turkish Massage?

    Only joking on the last one......

    I'd never give that up :rotfl:

    T;)

    :eek::rotfl::rotfl::eek: *must not take a sip of my drink when reading thistles diary* :p
    Debt Apr 15 - £6895.44 :( Apr 17 - £2500 :) Dec 17 - £560 :) July 18 - £199 :D
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £685.79
    Every penny is a prisoner :D
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    Made me laugh out loud as well!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
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