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  • FIRST POST
    • mummytogirls
    • By mummytogirls 2nd Mar 10, 2:58 PM
    • 4,537Posts
    • 11,826Thanks
    mummytogirls
    Mummytogirls - 100 years to be debtfree - I think not!
    • #1
    • 2nd Mar 10, 2:58 PM
    Mummytogirls - 100 years to be debtfree - I think not! 2nd Mar 10 at 2:58 PM
    Hello everyone!

    Only ever posted on here once but starting to get my debts in order so starting a diary to try and keep me on track.

    Basically since the beginning of 2010 ive really started to think positive about reducing my credit.
    This included starting a spending diary which I have totted up February today and I can tell you I am throughly shocked!!

    Joined whatsthecost.com today and snowballed which told me I will be debt free in 100 years ! Well im sure I wont even be alive at which point and dont really want to live me life like this, teetering from one month to the next and juggling things around!

    So here I am!

    I have a loan with HSBC that will be paid off in Feb 2012. That is the biggy and costs me £353 per month!
    Once this is paid off I will be throwing this money at the credit cards to hopefully get debt free by Dec 2014.

    So here goes wish me luck!!!
Page 202
    • mummytogirls
    • By mummytogirls 6th Oct 16, 8:37 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    Evening Diary,

    Well in my last post I said that this week should be more chilled.... wrong!!!!
    Been desperately trying to stay organised and as a result I've hardly sat down on a night.

    Last night I spent 2 hours up and down the main road dropping and picking up the kids from various things! Still felt tired this morning!!!

    Anyway its Friday tomorrow so glad but the weeks are just flying by and I do wish it would slow down a bit.

    Haven't managed a NSD day this week

    Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • debtfreeoneday
    • By debtfreeoneday 7th Oct 16, 7:42 AM
    • 2,380 Posts
    • 7,882 Thanks
    debtfreeoneday
    Hope you have a quieter weekend ahead MTG.. Can't believe how close half term is now!
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • Sun Addict
    • By Sun Addict 7th Oct 16, 8:42 PM
    • 3,247 Posts
    • 16,327 Thanks
    Sun Addict
    OMG MTG - hope everything at work turned out ok in the end. Hope you get to relax this weekend xx
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 10th Oct 16, 6:07 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    Evening Diary,

    Another week has gone by.... half term in 2 weeks though

    Thanks for your message SA, its been mental but getting there. I feel a bit stuck at the moment as I feel like I need to say put for the kids and the holidays... meanwhile my mental health is taking a battering!!

    So today hasnt been too bad and I've managed to get on top of things a bit. We have our appraisals this week so will see what comes of those.

    Had 2 NSD's in a row taking the total to 3 for this month.

    Thats about all from me xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • Sun Addict
    • By Sun Addict 10th Oct 16, 7:55 PM
    • 3,247 Posts
    • 16,327 Thanks
    Sun Addict
    I think we all have our ups and downs at work but unfortunately most of us need the money so have to keep battling through. Hopefully things will improve soon xx
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 13th Oct 16, 4:01 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    Evening Diary,

    We should be out at a football tournament with DD2 this evening but its been cancelled due to the weather.. can't say I'm complaining!!

    Today is NSD4 (I think) could do better on that score.

    Nothing too exciting to report really just plodding xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • Sun Addict
    • By Sun Addict 13th Oct 16, 7:38 PM
    • 3,247 Posts
    • 16,327 Thanks
    Sun Addict
    I think NSD4 is not too shabby considering we're not halfway through the month yet. Great news getting out of football
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • debtfreeoneday
    • By debtfreeoneday 14th Oct 16, 12:16 PM
    • 2,380 Posts
    • 7,882 Thanks
    debtfreeoneday
    Hope you have a nice weekend planned..
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • mummytogirls
    • By mummytogirls 17th Oct 16, 8:35 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    Evening Diary,

    Had a lovely weekend, met up with a friend Friday night and then we went to see the illuminations at Blackpool Saturday. I am tired as a result but feel generally ok

    So 4 more days until half term

    Today has been NSD5

    So last few weeks ive been a bit slack with the eating and gym and as a result I've put 3lbs on. This actually could be worse so drawing a line and moving on. Back to the gym tomorrow night.

    Hope all ok x
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • Sun Addict
    • By Sun Addict 19th Oct 16, 8:26 PM
    • 3,247 Posts
    • 16,327 Thanks
    Sun Addict
    Well done on the NSD. Glad you had a nice weekend. Yes bet to draw a line under things and get back on the waggon before too much damage is done.
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 24th Oct 16, 4:18 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    Afternoon Diary,

    Day 1 of the holidays done . Have done absolutely loads today, none of this for me or my house!! MIL hasnt been well and was in hospital last week so I've done some ironing for her this morning and done a load of cooking for her this afternoon so she can just defrost what she fancies and then stick in the oven. Ive just sat down with a pounding head and full of cold

    Haven't got any plans other than a blood test tomorrow and then meeting up with friends Weds and Thurs.

    Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • debtfreeoneday
    • By debtfreeoneday 24th Oct 16, 4:32 PM
    • 2,380 Posts
    • 7,882 Thanks
    debtfreeoneday
    Hope MIL is on the mend MTG.. sounds like a chilled out week - exactly what you need?
    Hope blood test goes ok!
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • pennywisepoundstupid
    • By pennywisepoundstupid 24th Oct 16, 7:32 PM
    • 3,960 Posts
    • 11,404 Thanks
    pennywisepoundstupid
    Hi mummy, sounds as though you are ready for your half term beak, try and get some time for you and recharge your batteries.

    Hope MIL gets well soon and your tests go ok.
    "Be mindful of your self-talk. It's a conversation with the Universe."
    Dream hols fund=Holiday booked
    Hols spending money £2000/£225.40
    Amazon vouchers £15
    • Sun Addict
    • By Sun Addict 24th Oct 16, 8:19 PM
    • 3,247 Posts
    • 16,327 Thanks
    Sun Addict
    Hope MIL is better soon and enjoy your half term break xx
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 25th Oct 16, 3:37 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    Afternoon Diary,

    The kids have gone to soft play with the neighbour so I'm enjoying a cup of tea and peace .

    Thanks DF0D, Pennywise and SA for your comments after my last post. MIL is getting better but incredibly slowly. I ended up in bed mega early last night and I feel ok today just the cold. Had my blood test and my veins wouldn't co-operate at first but she managed in the end. We walked down to the doctors so my car hasn't even moved today which is nice as that never happens.

    Payday tomorrow really need to update my signature but I need to my other laptop which takes ages to fire up. Need to do it though its well out of date.

    Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • debtfreeoneday
    • By debtfreeoneday 25th Oct 16, 7:50 PM
    • 2,380 Posts
    • 7,882 Thanks
    debtfreeoneday
    Wishing you better soon MTG.. well done on the no car day.. I had the same for a totally different (expensive) reason!
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • mummytogirls
    • By mummytogirls 25th Oct 16, 8:26 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    Evening Diary,

    Hi DF0D, oh no whats been going on? Il pop over to yours shortly to find out!

    So I felt awful at tea time but feel better now again... so strange this! My upper back is really aching DH who was ok yesterday is now back in bed again! So I have the TV, laptop and sofa all to myself

    Had a text this evening to ask if a card transaction for nearly £500 was mine.... it wasn't and I rung telephone banking as I didn't know whether to trust the text or not! Turns out the text was real and no the transaction wasn't mine. Im so pleased the H@lifax spotted this but so fuming that someone has my card details. They've cancelled my card anyway.

    Also ordered kids and nephews some Christmas PJ's from @sda this afternoon before they all sell out (not using above card btw!).

    Think thats all from me x
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • debtfreeoneday
    • By debtfreeoneday 26th Oct 16, 6:14 AM
    • 2,380 Posts
    • 7,882 Thanks
    debtfreeoneday
    I did a bit of a sneaky shop on sains burys yesterday as they have their 25% sale and nearly got some PJ's - ended up with wellies instead and bits of school uniform (rock and roll)

    Hope you feel better today! x
    DFW (08/08) £64,346.53
    CC1 - £1111.99 ~~~ CC2 - £975.00
    MFW (01/15) £118,031.21 £102,178.42
    • mummytogirls
    • By mummytogirls 26th Oct 16, 3:11 PM
    • 4,537 Posts
    • 11,826 Thanks
    mummytogirls
    Afternoon Diary,

    My back still aches but I don't feel too bad in myself. Was going to go back to the gym today but still not fully up to it so will try go Friday (it will have been 3 weeks since I last went ).

    Been to soft play today spent £25 including entry and lunch so not too bad. DH rang just after we got there to say he was on his way home feeling rough again so he's here feeling sorry for himself too!

    Payday today xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £9104.15 - 15/11/16 - 60.70% paid off
    • Sun Addict
    • By Sun Addict 26th Oct 16, 8:49 PM
    • 3,247 Posts
    • 16,327 Thanks
    Sun Addict
    Happy payday Got to wait until Monday for mine. Boo to the card fraud, good job it was spotted. Annoying though that some oik tried it Hope they get caught.p

    DFOD - I went in Sainburys for some fruit yesterday and spent £88!!!! Got loads of Tu stuff though, can't moan.
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
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