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  • FIRST POST
    • mummytogirls
    • By mummytogirls 2nd Mar 10, 2:58 PM
    • 4,992Posts
    • 14,033Thanks
    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 223
    • mummytogirls
    • By mummytogirls 13th Apr 17, 10:32 AM
    • 4,992 Posts
    • 14,033 Thanks
    mummytogirls
    Morning Diary,

    Soooo tired this morning, think I've worn myself out at the gym
    We are loving the chilled out mornings at home this week.

    DFOD, definitely check them, this happened in only a few months which I was surprised about. Rest of her teeth are perfect so its literally just because she was missing this one.

    Only thing I have to report is that I've pegged out again, loving the fact that I haven't used the TD in weeks.

    Happy Thursday all xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8020.30 - 16/04/17 - 65.38% paid off
    • GeorgianaCavendish
    • By GeorgianaCavendish 13th Apr 17, 11:21 AM
    • 208 Posts
    • 729 Thanks
    GeorgianaCavendish
    Oooh your poor little girl! What a horrific experience at the dentist I hope the trip to the Natural History Museum makes up for it a bit

    This has just reminded me that I need to book in for a check up though!
    Georgiana, Duchess of Debt-shire's April 2017 Debt Totals: HSBC Loan £12,498.33 / Barclaycard £9,733.76 / MBNA £1800.00 / HSBC Card £2340.10 / Catalog £ 695 / Dreams £517 / Holiday £0

    And don't forget the Student Loan! £15,199.37 (April 2016)
    • Sun Addict
    • By Sun Addict 13th Apr 17, 8:51 PM
    • 3,733 Posts
    • 19,253 Thanks
    Sun Addict
    This reminds me of when DD was younger, she had to have a tooth out under general anaesthetic at a dentist specialising in this, not our normal one. Well a week after she had the tooth out this dentist was in the papers as a little girl had died under his care Close shave or what?

    We never replaced our TD when it broke down, just peg out or use radiators now.

    Glad you're enjoying your Easter break 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 14th Apr 17, 1:12 PM
    • 4,992 Posts
    • 14,033 Thanks
    mummytogirls
    Afternoon Diary,

    Had a busy morning so far and just having a cuppa whilst waiting to drop DD2 off with grandad for football.

    So I've done 2 loads of washing (both needing to go in the TD as its peeing it down today and some of tomorrow) and caught up with my ironing. Also sorted out my phone upgrade, was really hoping to go sim only but my battery on my old phone has been going dodgy so opted for a new iPhone with a slightly cheaper package but actually get more data etc than my current contract!

    This afternoon I need to go collect the shopping from Mr A's then thats it really.

    GC, get that check up booked in!

    SA, Oh that really is scary!! Re the drying we haven't got our heating on at the moment so can't radiator dry and its raining outside .

    Hope everyones enjoying Good Friday so far xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8020.30 - 16/04/17 - 65.38% paid off
    • Bobarella
    • By Bobarella 14th Apr 17, 7:15 PM
    • 10,354 Posts
    • 66,404 Thanks
    Bobarella
    Ah boo, sorry the weather isnt being kind to you. Rain Rain go away and all that!
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £53.06 2016-£62.28 2015- £84.20)
    RYSAW17 £1530.12 2016 £2,535.16 2015 £1027.20
    • Sun Addict
    • By Sun Addict 14th Apr 17, 7:19 PM
    • 3,733 Posts
    • 19,253 Thanks
    Sun Addict
    Weather not great here either. Not rained much but very dull. Forecast better tomorrow.

    Good deal with the phone

    Have a fab Easter 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
    • debtfreeoneday
    • By debtfreeoneday 15th Apr 17, 6:38 AM
    • 2,662 Posts
    • 8,886 Thanks
    debtfreeoneday
    Hope you're having a nice weekend! x
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1573.87
    MFW (01/15) £118,031.21 £99,188.51 11y8mth to go
    • mummytogirls
    • By mummytogirls 16th Apr 17, 1:01 PM
    • 4,992 Posts
    • 14,033 Thanks
    mummytogirls
    Afternoon Diary,

    Happy easter everyone !!!!

    We had a fantastic day out in London yesterday, absolutely shattered today though which I knew would happen!! Weve had a chilled out morning and won't be leaving the house so will be NSD3

    Just catching up with dinner date and avoiding the washing mountain!

    Have a lovely day all xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8020.30 - 16/04/17 - 65.38% paid off
    • Sun Addict
    • By Sun Addict 16th Apr 17, 1:40 PM
    • 3,733 Posts
    • 19,253 Thanks
    Sun Addict
    Glad you had a good time. We're only leaving the house today to take the dog out. Shame the weather is so cold a warm sunny day in the garden would've been nice.
    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 16th Apr 17, 1:55 PM
    • 4,992 Posts
    • 14,033 Thanks
    mummytogirls
    Finally updated my signature! Just copying here to remind me when I look back:

    £8020.30 - 16/04/17 - 65.38% paid off
    Mummytogirls x

    £23164.32 - 12/12/10
    £8020.30 - 16/04/17 - 65.38% paid off
    • mummytogirls
    • By mummytogirls 16th Apr 17, 1:55 PM
    • 4,992 Posts
    • 14,033 Thanks
    mummytogirls
    Its raining all day here too SA xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8020.30 - 16/04/17 - 65.38% paid off
    • louby40
    • By louby40 16th Apr 17, 4:16 PM
    • 865 Posts
    • 2,244 Thanks
    louby40
    So glad you enjoyed your day in London. We love London, me and my OH must have been about 8 times since we met in 2014.

    It's cold here in Stoke but no rain so far. Just said goodbye to my parents who've been over for lunch! 2 bottles of fizz and 2 cakes later.....
    Parents£585 DF July 17 Sealed Pot Challenge 10 #572 Debt free by Xmas(july) 17 #32 £2857/£3442
    Car loan £4024. Mortgage £97,770
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 16th Apr 17, 5:31 PM
    • 7,877 Posts
    • 43,188 Thanks
    please-let-me-be-lucky
    So glad to hear you had a fab time in London, and Happy Easter to you too. Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in April - 4/5
    Florida spending 'pot' - £257.40/£1000
    Lbs lost - 13.5
    • mummytogirls
    • By mummytogirls 16th Apr 17, 6:24 PM
    • 4,992 Posts
    • 14,033 Thanks
    mummytogirls
    Evening Diary,

    Just need to get a shower and then more slobbing out in front of the TV for Line of Duty!!

    Just had a delicious roast beef for tea following by banana split.

    Louby, I really need to get back on it tomorrow!!!

    Thanks PLMBL.

    So I've just put a load of washing in as theres a promise of dry weather tomorrow. Il put another load in after and that can go out on the airer.

    Have had such a lovely day of doing nothing, much needed after a busy few days xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8020.30 - 16/04/17 - 65.38% paid off
    • louby40
    • By louby40 17th Apr 17, 9:06 AM
    • 865 Posts
    • 2,244 Thanks
    louby40
    Oooo we love Line of Duty - it was good wasn't it! Can't wait for the ext episode.

    Off to the gym today. Zumba class at 12. It's a bit dull and murky here so no pegging out for me.

    Hope you have a low calorie/ active day MTG.
    Parents£585 DF July 17 Sealed Pot Challenge 10 #572 Debt free by Xmas(july) 17 #32 £2857/£3442
    Car loan £4024. Mortgage £97,770
    • mummytogirls
    • By mummytogirls 17th Apr 17, 8:18 PM
    • 4,992 Posts
    • 14,033 Thanks
    mummytogirls
    Evening Diary,

    Had a lovely spend day today!!! Girls had some money to spend so we took them and I may have bought a couple of items too!! Saw some gorgeous stuff in Oasis so will defo be having a trip back there when I get paid my spending money again. The things are expensive but its not often I buy things for myself so I'm coming round to not feeling too guilty over this.

    Also popped into Mr S for some chicken for our curry for tea, hadn't had chance to go to the farmshop back end of last week.

    Hope all ok, looking forward to the next few days off xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8020.30 - 16/04/17 - 65.38% paid off
    • debtfreeoneday
    • By debtfreeoneday 17th Apr 17, 8:39 PM
    • 2,662 Posts
    • 8,886 Thanks
    debtfreeoneday
    Line of Duty was sooo good again, can't believe we have to wait 7 days for the next one!

    Glad you had a nice day and so you should spend once in a while! x
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1573.87
    MFW (01/15) £118,031.21 £99,188.51 11y8mth to go
    • mummytogirls
    • By mummytogirls 18th Apr 17, 9:31 AM
    • 4,992 Posts
    • 14,033 Thanks
    mummytogirls
    Morning Diary,

    The lovely sunny weather is back... need to get DD's bedding washed and dried today as they have friends sleeping over Thursday.

    Im glad DH is back at work today, can get some order back in the house

    Today will be a spend day as I'm getting my eyebrows waxed tonight (own spending money) and need some meat and fruit for the rest of the week.

    Not much else to report really xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8020.30 - 16/04/17 - 65.38% paid off
    • mummytogirls
    • By mummytogirls 18th Apr 17, 9:55 AM
    • 4,992 Posts
    • 14,033 Thanks
    mummytogirls
    Just had to ring payroll as my wage for April was going to be over £100 wrong . Basically I can't remember if I've mentioned before but I've reduced my hours by 1 a week to finish earlier on a Wednesday and HR have kindly put me back 4 scales on the pay scale . Anyway the guy I spoke to said it should be sorted for next week. Fingers crossed xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8020.30 - 16/04/17 - 65.38% paid off
    • Sun Addict
    • By Sun Addict 18th Apr 17, 6:53 PM
    • 3,733 Posts
    • 19,253 Thanks
    Sun Addict
    OMG I hope you get it sorted, what a pain

    New total looking good
    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
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