Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • mummytogirls
    • By mummytogirls 2nd Mar 10, 2:58 PM
    • 5,172Posts
    • 15,044Thanks
    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 224
    • mummytogirls
    • By mummytogirls 18th Apr 17, 7:39 PM
    • 5,172 Posts
    • 15,044 Thanks
    mummytogirls
    Evening Diary,

    Just watching this save money good food programme on ITV incase there is something I'm not doing already!!!

    Today has been a spend day. £16 in the farmshop on meat, potatoes, eggs and fruit. £13 on my waxing.

    SA, I really hope he gets it sorted too as he never rang me back but said he would.

    Ive been quite good today with my food.... until I called into Mr T's express to pick up a parcel for DD1 and picked up 12 creme eggs for £1.97!!!!

    Breakfast - weetabix
    Lunch - pitta and cucumber sticks with philadelphia
    Tea - chicken, bacon and leek mustard thing I make, roast potatoes, carrots and broccoli
    Snack - Popcorn and then (literally in the last half an hour!) - 4 rich tea biscuits and a creme egg

    Thats all! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • debtfreeoneday
    • By debtfreeoneday 18th Apr 17, 9:02 PM
    • 2,677 Posts
    • 9,050 Thanks
    debtfreeoneday
    Mmmmmm - cream eggs!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1549.85
    MFW (01/15) £118,031.21 £97,909.27
    • mummytogirls
    • By mummytogirls 19th Apr 17, 11:15 AM
    • 5,172 Posts
    • 15,044 Thanks
    mummytogirls
    Morning Diary,

    Been absolutely fuming this morning! Poor DD2 is really unwell and its taken me an hour and over 300 calls to get through to the doctors on their new 'rapid access' system. Im going to write to my local councillor about this as this system is ridiculous. I never had a problem getting an appointment before and now I'm left reeling every time I go through the system.
    So she came in from playing out saying she was itchy last night. Her back was a bit blotchy so I gave her some piriton and put her in the bath. By 10pm the rash was really raised and like nothing I had ever seen but she was fine in herself so we decided to keep an eye on her and ring 111 should we need to. Feel like I've hardly slept as I kept checking on her as was worried in case it was a reaction which would affect her breathing. DH checked in on her when he got up for work and she was literally head to toe in this red rash. She's now feeling unwell and keeps being sick which aggravates the rash. It seems to fade in between times. Just waiting to take her down to the drs. I have to say I've now been a parent for 10 years and I've never experienced anything like this.

    So should be a NSD but you just never know what could come up do you!

    Il report back xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • mummytogirls
    • By mummytogirls 19th Apr 17, 6:02 PM
    • 5,172 Posts
    • 15,044 Thanks
    mummytogirls
    Evening Diary,

    Doctors confirmed DD2 is having an allergic reaction to something, doubt we will find out what unless it happens again. They gave us some different anti-histamine which has taken the rash right down but she is still being sick. She's been complaining of stomach ache for 3 hours now which I think could be stomach pain due to no food! She's currently taking smaller bites than a mouse out of a rich tea biscuit! Just had some weetabix for my tea

    So today has been NSD 3 or 4 can't remember which until I check my diary.

    Nothing more to report! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 19th Apr 17, 6:09 PM
    • 7,991 Posts
    • 43,976 Thanks
    please-let-me-be-lucky
    Hope DD2 is ok. My DS2 is currently covered in bites from our National Trust trip yesterday , and is allergic to sticky weed! I got such a fright the first time he came out in a rash head to toe. He and I always get bitten, but DH and DS1 never are. They must taste nasty!!
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in June - 2/5
    Florida spending 'pot' - £500/£1000
    Lbs lost - 9
    • mummytogirls
    • By mummytogirls 19th Apr 17, 6:15 PM
    • 5,172 Posts
    • 15,044 Thanks
    mummytogirls
    Thanks PLMBL, just after id posted she proved me wrong and started being sick again . She's feeling better again now, its only short lived though unfortunately. Just topped her up with calpol and she can have her anti-histamine again before bed.

    Oh that sounds awful for your DS PLMBL, I can imagine how horrified you will have been xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Bobarella
    • By Bobarella 19th Apr 17, 6:36 PM
    • 10,623 Posts
    • 68,535 Thanks
    Bobarella
    I'm so sorry Mummytogirls​, your poor DD. I really hope she is better soon. Have to say where we live I have used the A & E for things as well as the doctor's surgery. Both my kids rolled off the bed when very small babies (what kind of mother am I) just went straight to A&E. You at least are guaranteed being seen. But we are literally only 4 miles away so appreciate it may not be viable for you.
    The system your surgery has sounds dreadful.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • mummytogirls
    • By mummytogirls 19th Apr 17, 6:49 PM
    • 5,172 Posts
    • 15,044 Thanks
    mummytogirls
    Evening Bob,

    Thanks for your post. A&E isn't that far to be fair but ours is full of undesirables I wouldn't want to be sat with for 4+ hours. We do have a very good out of hours housed right next door to the A&E but you have to go through 111 to get an appointment with them and the computer decides whether you need one!! Parking is a nightmare up there too, when I took DD1 the other Monday we ended up driving round for nearly half an hour to get parked so id rather avoid it if possible.

    Ive written to the local councillor today about the surgery as its just ridiculous! How they can think its acceptable to have to try for an hour to get through is not on. Obviously the catchment has got far too big or they can't afford the staff with budgets, either way something has got to change or is this just something that is going to happen now with the NHS being as it is?

    xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Bobarella
    • By Bobarella 19th Apr 17, 7:10 PM
    • 10,623 Posts
    • 68,535 Thanks
    Bobarella
    And no online appointment system? Ours has one. It releases all appointments at 7pm for the next day. Otherwise you just take your pot luck on the phones the next day.

    Well done for writing. It is horrible that the system is failing you so badly.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • mummytogirls
    • By mummytogirls 19th Apr 17, 7:12 PM
    • 5,172 Posts
    • 15,044 Thanks
    mummytogirls
    Yes they have an online system for pre-bookables... the next appointment being Weds 3rd May!!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • mummytogirls
    • By mummytogirls 19th Apr 17, 7:17 PM
    • 5,172 Posts
    • 15,044 Thanks
    mummytogirls
    Oh totally forgot to report with everything else that DH had his brief pay review and bonus meeting yesterday. He's getting a bonus of £1500 plus a 3% payrise and..... a company car . He does need to get out and about visiting customers to build the business further etc. He's going to try and get a hybrid with the best rate for deductions. They have a charging point at work already so he will run it on electric most of the time

    We will get rid of his car and I will keep mine for now. I do drive the family car so in time I might end up downsizing with mine. For now though its only 4 years old so I plan to keep it and see how it pans out.

    So the bonus we will be doing DD2s bedroom as she has been waiting patiently since we did DD1s last year. Her furniture is falling apart so this needs replacing but planning on getting the same ikea stuff we bought for DD1 which is mid range and sturdy. This will cost us roughly £700 for her bedroom then I suspect we will try and save the rest xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Sun Addict
    • By Sun Addict 19th Apr 17, 8:41 PM
    • 3,931 Posts
    • 20,489 Thanks
    Sun Addict
    Sorry to read your DD is so unwell. When I first read it I was going to suggest Scarlet Fever (which I had 3 times as a child!) but sounds like a nasty allergy. Hope she feels better soon.

    Great news re DH though
    Virtual Sealed Pot £339.72
    Weight loss 0/7lbs
    June AFD 1/12 NSD 2/8
    Mr SA finally in remission December 2013
    • Bobarella
    • By Bobarella 19th Apr 17, 11:40 PM
    • 10,623 Posts
    • 68,535 Thanks
    Bobarella
    Great on the pay rise, car and bonus!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • mummytogirls
    • By mummytogirls 20th Apr 17, 2:20 PM
    • 5,172 Posts
    • 15,044 Thanks
    mummytogirls
    Afternoon Diary,

    DD2 so much better today thank god. The rash has flared up again this morning so don't know whats going on. She was supposed to have a friend over tonight but I've rearranged as can't risk her friend catching anything (should it be a virus or something). DD1 has a friend over, so probably won't see them for the remainder of the night!

    Ive had an unexpected pegging out day today, horrible weather was forecast but its actually quite nice so I've chanced it!

    Had a busy morning of getting the house spotless, cleaned the dishwasher, hoovered and steamed my floors and cleaned the bathrooms.

    Today has been a spend day as I had a little shop from Mr A's to collect, £34 spent there.

    SA, I did look up scarlet fever and its not that. I think its probably a viral rash as she's not been 100%.

    Thanks Bob.

    Thats all really! Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • debtfreeoneday
    • By debtfreeoneday 20th Apr 17, 2:51 PM
    • 2,677 Posts
    • 9,050 Thanks
    debtfreeoneday
    Goodness, hope DD is fully on the mend soon!

    I hate kids illnesses, I go into panic mode.
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1549.85
    MFW (01/15) £118,031.21 £97,909.27
    • mummytogirls
    • By mummytogirls 20th Apr 17, 2:53 PM
    • 5,172 Posts
    • 15,044 Thanks
    mummytogirls
    Thanks DFOD, I honestly have never seen a rash quite like it! She's doing lots of complaining today so she's definitely feeling better xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Bobarella
    • By Bobarella 20th Apr 17, 5:27 PM
    • 10,623 Posts
    • 68,535 Thanks
    Bobarella
    Glad DD2 is better today. Will be glad for you once the rash goes though. It's bad they don't let you book online for the next day.

    I'm fascinated by this 'pegging out' phrase. I've seen a few of you say it now must be a thing?

    I just call it hanging the washing out.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • Sun Addict
    • By Sun Addict 20th Apr 17, 6:54 PM
    • 3,931 Posts
    • 20,489 Thanks
    Sun Addict
    Pegging out is MTG's phrase Bobarella. We like to tease her about it

    MTG - glad DD is feeling better. Kids are a worry but they soon perk up.
    Virtual Sealed Pot £339.72
    Weight loss 0/7lbs
    June AFD 1/12 NSD 2/8
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 20th Apr 17, 9:40 PM
    • 5,172 Posts
    • 15,044 Thanks
    mummytogirls
    Bob as SA says next time you're pegging out be sure to think of me everyone else does ha! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Bobarella
    • By Bobarella 20th Apr 17, 11:12 PM
    • 10,623 Posts
    • 68,535 Thanks
    Bobarella
    Bob as SA says next time you're pegging out be sure to think of me everyone else does ha! xx
    Originally posted by mummytogirls
    Consider it done
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,480Posts Today

8,621Users online

Martin's Twitter
  • RT @Emloy93: @MartinSLewis I did this! It 100% works ????????

  • RT @Photo_Pete: @MartinSLewis Thanks Martin, I'll renew mine before my 24th in September!

  • Tell any 23 yr olds... you're allowed to buy a 3 year 16-25 railcard the day before your 24th birthday then it's valid until ur almost 27 RT

  • Follow Martin