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  • FIRST POST
    • mummytogirls
    • By mummytogirls 2nd Mar 10, 2:58 PM
    • 5,053Posts
    • 14,400Thanks
    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 221
    • Bobarella
    • By Bobarella 13th Mar 17, 10:56 PM
    • 10,537 Posts
    • 67,758 Thanks
    Bobarella
    I hope you were allowed more than one slice of GB this time
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • mummytogirls
    • By mummytogirls 14th Mar 17, 10:30 AM
    • 5,053 Posts
    • 14,400 Thanks
    mummytogirls
    Morning Diary,

    Well this morning has been interesting! DD2 wasn't feeling 100% this morning, gave her calpol and sent her to school with a note to say that if she didn't feel good to call me. Wasn't even at work half an hour before I got a call to go and collect her! Anyway she had some toast and perked up and asked to go back to school but then she's gone back down hill so I'm keeping her at home and hopefully she will be ok for tomorrow. Work is super busy as well but theres not much I can do about it, DH had cycled so he couldn't really do much either!

    Had a small spend day so far, spent 6 in Mr T's on bread and calpol.

    Haha Bob that made me laugh!!! I had 2 this time, it was those baguette ones this time, got the wrong one delivered!

    Thats about all really xx
    Mummytogirls x

    23164.32 - 12/12/10
    8020.30 - 16/04/17 - 65.38% paid off
    • Bobarella
    • By Bobarella 15th Mar 17, 1:02 AM
    • 10,537 Posts
    • 67,758 Thanks
    Bobarella
    Sorry to read that about DD. Did you know you can ask the chemist for calpol for free? Its something like the minor ailments scheme, you can get certain things for children free on it. I think you get unbranded calpol but still, it's not cheap stuff is it so worth an ask.

    Glad you got a better portion this time. Garlic bread is too good to be stingey with
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 15th Mar 17, 10:28 AM
    • 7,933 Posts
    • 43,559 Thanks
    please-let-me-be-lucky
    Hope DD2 is better today Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    NSDs achieved in May - 1/5
    Florida spending 'pot' - 436.00/1000
    Lbs lost - 13.5
    • mummytogirls
    • By mummytogirls 16th Mar 17, 9:32 PM
    • 5,053 Posts
    • 14,400 Thanks
    mummytogirls
    Evening Diary,

    Flying visit here as finally hit the wall and tired!!!

    Bob, I did know about that scheme but actually forgot about it! to the garlic bread! Its keeps the calories down letting DH eat it all

    Thanks PLMBL, she's been back at school but coughing her head off tonight, I feel a bad night coming on and I'm really tired!

    So parents evening tonight, both girls got outstanding reports from their teachers. This wasn't a surprise for DD2 as she is always perfect Peter at school! DD1 however likes to test the boundaries and get distracted but it would seem she has finally pulled her socks up as she is a very clever girl.

    Haven't had a NSD since no 5 on Monday... must try harder next week!!

    Hope all ok x
    Mummytogirls x

    23164.32 - 12/12/10
    8020.30 - 16/04/17 - 65.38% paid off
    • Bobarella
    • By Bobarella 16th Mar 17, 10:43 PM
    • 10,537 Posts
    • 67,758 Thanks
    Bobarella
    Well done to both the girls. A credit to you
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • debtfreeoneday
    • By debtfreeoneday 18th Mar 17, 8:02 AM
    • 2,673 Posts
    • 8,963 Thanks
    debtfreeoneday
    Well done girls. Hope you are OK.
    DFW (08/08) 64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - 1573.87
    MFW (01/15) 118,031.21 99,179.01 11y8mth to go
    • mummytogirls
    • By mummytogirls 20th Mar 17, 8:07 PM
    • 5,053 Posts
    • 14,400 Thanks
    mummytogirls
    Evening Diary,

    Had such a busy few days I haven't had time to update! Anyway Monday for another week is done. Just back from helping out at DD's beavers group.

    Today is NSD7

    Haven't got much else to report really!!!

    Hope all ok x
    Mummytogirls x

    23164.32 - 12/12/10
    8020.30 - 16/04/17 - 65.38% paid off
    • Bobarella
    • By Bobarella 20th Mar 17, 8:12 PM
    • 10,537 Posts
    • 67,758 Thanks
    Bobarella
    Nice to hear from you
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • Sun Addict
    • By Sun Addict 21st Mar 17, 8:25 PM
    • 3,806 Posts
    • 19,704 Thanks
    Sun Addict
    Fab news about the good school reports xx
    Debt free date 31/01/15
    Virtual Sealed Pot 262.12
    Weight loss 1/5lbs
    May AFD 0/8 NSD 0/8
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 23rd Mar 17, 8:08 PM
    • 5,053 Posts
    • 14,400 Thanks
    mummytogirls
    Evening Diary,

    Soooo tired tonight! Haven't managed to keep awake past 9 this week, fingers crossed for tonight although its not looking likely!! Just on here to do my Mr T's shop for the weekend.

    Had a few NSD's this week, NSD9 today . Really pleased with that and my target with myself is 10 so I'm sure il get to 10 by the end of the month.

    Payday tomorrow

    Hope all ok, sad sad news about London. Hope everyone I have contact with on here is ok xx
    Mummytogirls x

    23164.32 - 12/12/10
    8020.30 - 16/04/17 - 65.38% paid off
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 23rd Mar 17, 8:53 PM
    • 7,933 Posts
    • 43,559 Thanks
    please-let-me-be-lucky
    I've just written something similar about London on my diary, so so sad.

    Well done on all the NSDs Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    NSDs achieved in May - 1/5
    Florida spending 'pot' - 436.00/1000
    Lbs lost - 13.5
    • mummytogirls
    • By mummytogirls 25th Mar 17, 11:37 AM
    • 5,053 Posts
    • 14,400 Thanks
    mummytogirls
    Morning Diary

    Absolutely glorious weather here today, I am totally loving it!! As you would expect the washing is out. 1 load plus then another of our bedding. First time this year I've got my legs out during the day

    So still on NSD9, yesterday was a spend day as I had my Mr T's delivery and also me and my sister took our mum out for Mothers day.
    Yesterday was payday but an expensive day all the same

    Today we are off to the shopping centre as the kids would like to buy me something. I am tagging along as theres a few things I would like to buy too.

    Thats about all really. Hope all ok x
    Mummytogirls x

    23164.32 - 12/12/10
    8020.30 - 16/04/17 - 65.38% paid off
    • Sun Addict
    • By Sun Addict 25th Mar 17, 5:01 PM
    • 3,806 Posts
    • 19,704 Thanks
    Sun Addict
    I thought about you when I pegged out this morning What a beautiful day it's been. A taste of summer early. LOL to the legs out in the day

    My payday is while we're away, it's going to kill me not being able to see it until I get back. At least it'll stay in the bank longer than usual
    Debt free date 31/01/15
    Virtual Sealed Pot 262.12
    Weight loss 1/5lbs
    May AFD 0/8 NSD 0/8
    Mr SA finally in remission December 2013
    • Eager_Elephant
    • By Eager_Elephant 29th Mar 17, 8:35 PM
    • 3,871 Posts
    • 20,098 Thanks
    Eager_Elephant
    Just to give you all the heads up if you are thinking of joining the Ninja Saving Turtles this month.

    I am in charge and as April only has 5 letters in and I use the letters for the challenges it shouldn't be too hard this month plus I think my challenges are super fab anyway lol.

    Feel free to join us - http://forums.moneysavingexpert.com/showthread.php?t=5625082
    Ninja Saving Turtle No. 8 for May
    NSD - 8/16
    (up to 17/5/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • debtfreeoneday
    • By debtfreeoneday 4th Apr 17, 8:46 AM
    • 2,673 Posts
    • 8,963 Thanks
    debtfreeoneday
    Hope you're ok lovely lady! x
    DFW (08/08) 64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - 1573.87
    MFW (01/15) 118,031.21 99,179.01 11y8mth to go
    • mummytogirls
    • By mummytogirls 4th Apr 17, 8:55 PM
    • 5,053 Posts
    • 14,400 Thanks
    mummytogirls
    Evening Diary,

    Soooo busy at the moment I just can't commit to posting until after I break up on Friday.

    Had 13 NSD in March which I was super pleased with. How are we even in April already?! Haven't had a NSD in April yet!!!

    Ended up really poorly after my last post with food poisoning totally ruined Mothers Day after I couldn't eat and spent all day in bed after a night with my head over the toilet. We are going to cerebrate this Sunday now instead.

    Ended up at out of hours surgery with DD1 last night who had a UTI. Was heading towards a NSD until we ended up buying calpol from Mr A's whilst picking up the prescription. Cant be helped I suppose.

    EE, will I be ok to join next week and back date re the challenges. Just know I won't get to post this week now.

    Hi DF0D hope all ok for you guys.

    Hope all good anyway, il be back to my usual posting after Friday xx
    Mummytogirls x

    23164.32 - 12/12/10
    8020.30 - 16/04/17 - 65.38% paid off
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 4th Apr 17, 9:57 PM
    • 7,933 Posts
    • 43,559 Thanks
    please-let-me-be-lucky
    Sorry to hear both you and DD1 have been ill. Counting down the days with you until Friday Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    NSDs achieved in May - 1/5
    Florida spending 'pot' - 436.00/1000
    Lbs lost - 13.5
    • Eager_Elephant
    • By Eager_Elephant 5th Apr 17, 6:51 AM
    • 3,871 Posts
    • 20,098 Thanks
    Eager_Elephant
    EE, will I be ok to join next week and back date re the challenges. Just know I won't get to post this week now.
    xx
    Originally posted by mummytogirls
    Sorry to read that you had food poisoning - was that from somewhere you went out to eat?

    You can join the challenge whenever you want, you don't actually have to join I just thought I would mention it.

    On NST we don't count medical items as a spend so if you follow our rules you can have a NSD for yesterday
    I stocked up on hayfever stuff yesterday and still counted yesterday as a NSD
    Ninja Saving Turtle No. 8 for May
    NSD - 8/16
    (up to 17/5/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • debtfreeoneday
    • By debtfreeoneday 5th Apr 17, 2:58 PM
    • 2,673 Posts
    • 8,963 Thanks
    debtfreeoneday
    Hope you are feeling better - end of term is in sight! x
    DFW (08/08) 64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - 1573.87
    MFW (01/15) 118,031.21 99,179.01 11y8mth to go
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