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
    • 5,552Posts
    • 18,013Thanks
    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 227
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 12th May 17, 5:24 PM
    • 8,346 Posts
    • 46,783 Thanks
    please-let-me-be-lucky
    Hope DD1 got back ok and DD2 is better for the weekend Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in November 2/5
    Lbs lost 14.5/107.
    • OrangeFairy
    • By OrangeFairy 13th May 17, 9:51 AM
    • 2,598 Posts
    • 8,973 Thanks
    OrangeFairy
    Hi MTG

    I hope you are well and that DD's are feeling better. How old are they now?

    Looks like the debts are dropping down nicely...well done you!

    Hope you are having a lovely weekend!

    OF x
    Orange Fairy
    House Deposit target = £25000 Saved = £12500
    Sales towards new tent = £80


    • mummytogirls
    • By mummytogirls 13th May 17, 9:41 PM
    • 5,552 Posts
    • 18,013 Thanks
    mummytogirls
    Evening Diary,

    A bit sad tonight that Saturday is almost over , had a nice day but could have done more with my day... just felt so tired this afternoon! Still catching up from last week with all the decorating and late nights!

    So today we went into a big town about 15 miles away for our bridesmaids fittings for my sisters wedding. Dresses are gorgeous, can't wait until the big day

    Mr T's delivered my shopping this morning £53, spent £9.50 in the butchers, £30 in petrol and £12 in subway on lunch so a very spendy day.

    Then flopped on the sofa when we got back and didn't move!!!

    DD2 absolutely fine, totally could have gone to school yesterday! Ive told her she's like the girl who cried wolf!

    Thank for popping in PLMBL and OF.
    OF DD1 is 10 and DD2 is 8 - growing up quickly.

    Thats all really. Hope all enjoying the weekend xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 13th May 17, 9:57 PM
    • 4,230 Posts
    • 26,385 Thanks
    Hiddenidenity
    The girl who cried wolf must be an 8 year old thing.

    I feel I'm always telling my son 'remember the boy who cried wolf? That's you!!) every school morning when he feels 'unwell' or has a broken leg
    • mummytogirls
    • By mummytogirls 13th May 17, 10:00 PM
    • 5,552 Posts
    • 18,013 Thanks
    mummytogirls
    Hiddenidentity that made me laugh!!!! Actually come to think of it when DD1 was in year 3 she was the same, school even had me collect her one day as she was soooo ill. Sooooo ill that I marched her back down half an hour later!!

    Well this is the second time in a few months she has done this to us now and I've told her next time I'm taking her to see the headteacher. Little monkeys ha xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Bobarella
    • By Bobarella 15th May 17, 9:34 PM
    • 10,454 Posts
    • 69,668 Thanks
    Bobarella
    Glad she wasn't ill
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • mummytogirls
    • By mummytogirls 16th May 17, 4:14 PM
    • 5,552 Posts
    • 18,013 Thanks
    mummytogirls
    Afternoon Diary,

    Well to say I'm a little bit stressed at the moment is an understatement! Can't really go into too much on here but I had to call the police on a relative of mine the other day. Really really awful situation but I have totally had it up to my eyeballs now. Its all going to kick off later on the week so I am so anxious and have hardly eaten... which is not like me! So if I don't get on its probably all to do with that.

    Yesterday was NSD6, today I am having my nails done so will be a spend day.

    Cant believe its only Tuesday... feels as though its Friday already.

    Hope all ok anyway, sorry for whingy down post xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 16th May 17, 4:29 PM
    • 8,346 Posts
    • 46,783 Thanks
    please-let-me-be-lucky
    Sorry to hear things aren't going well at your end. Big hugs Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in November 2/5
    Lbs lost 14.5/107.
    • girlatplay
    • By girlatplay 17th May 17, 3:27 PM
    • 2,452 Posts
    • 14,542 Thanks
    girlatplay
    Hope you're ok. Hugs xx
    Loan (£20k) current balance: -£770
    IO Mortgage current balance: -£89,660

    • mummytogirls
    • By mummytogirls 17th May 17, 3:43 PM
    • 5,552 Posts
    • 18,013 Thanks
    mummytogirls
    Afternoon Diary,

    Thanks PLMBL and GAP for your kind words. I just feel so anxious at the moment, everytime it goes through my mind my stomach drops through my feet its awful! Even DH said he's feeling queasy about it all!

    Anyway not much to report. Haven't spent any money today so should be NSD7

    Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 17th May 17, 6:29 PM
    • 4,230 Posts
    • 26,385 Thanks
    Hiddenidenity
    Sorry things aren't great

    Hope it gets sorted quickly without too much upset for you x
    • Bobarella
    • By Bobarella 17th May 17, 11:34 PM
    • 10,454 Posts
    • 69,668 Thanks
    Bobarella
    So sorry to hear of your situation. Hugs.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • mummytogirls
    • By mummytogirls 18th May 17, 4:23 PM
    • 5,552 Posts
    • 18,013 Thanks
    mummytogirls
    Afternoon Diary,

    Feeling a bit brighter today. Police came and took details but basically they can't do a right lot at the moment. He said I had done the right thing though and will see what happens from now.

    Thanks Hidden Identity and Bob for your messages of support.

    So today is a SSD with a 75p spend on bread. Tomorrow will also be a spend day as my Mr T's order is coming. Currently up to 7 NSD's which is good for me.

    Today is the first day this week without rain so.... you guessed it pegged out

    Friday again already, totally need this weekend!!! Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Sun Addict
    • By Sun Addict 18th May 17, 8:47 PM
    • 4,554 Posts
    • 26,688 Thanks
    Sun Addict
    Just caught up with your diary and so sorry to read about the trouble with your relative Glad you feel brighter now though and that you pegged out - if in doubt peg out

    Hope you have a relaxing weekend xx
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 19th May 17, 4:13 PM
    • 5,552 Posts
    • 18,013 Thanks
    mummytogirls
    Afternoon Diary,

    So we made it to Friday! Very much looking forward to a relaxing weekend and fresh start next week. 1 week until we break up

    Weather here has been pap today so no pegging out had to use the TD for the second time this week

    In other news, I can't even remember if I reported that weve ordered a new bed. Well the headboard has been delivered today, bed isn't coming until 30th May so we have a week and a bit yet before that comes.

    Just waiting for Mr T's to come with my order... £53 according to my pending transactions. Also spent £8.53 in the local butchers on chicken breasts and mince.

    So after to hardly eating at the start of the week, I've definitely made up for it today!!

    Breakfast - weetabix
    Snack - fruit and yoghurt and mini cheddars
    Lunch - Chicken sandwich and school chocolate pudding
    Tea - BBQ chicken burger, onion rings and chips

    Also the ice cream man gave me a little ice cream as I buy my kids ice creams from him and also get him extra work at my school. Just had a cuppa and a cream egg !!!

    Thanks for your message SA, really appreciate your support.

    Think that all anyway, hope all ok. Happy Friday xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 19th May 17, 4:46 PM
    • 4,230 Posts
    • 26,385 Thanks
    Hiddenidenity
    Have a lovely weekend

    Let's hope the weather improves
    • DaringToDream
    • By DaringToDream 19th May 17, 5:22 PM
    • 144 Posts
    • 462 Thanks
    DaringToDream
    Ooh cuppa and a cream eggs sounds amazing. I gave up chocolate for lent and then because i was here on my own easter kind of passed me by, so i missed out on cream eggs which are my favourite chocs of all time! Oh well, they'll probably start selling them again straight after christmas so only 7 months to wait .

    Sorry to hear you've had a stressful week. Hope you have a lovely weekend to make up for it and the rain stops and we finally get some sun .

    DTD xx
    • Sun Addict
    • By Sun Addict 19th May 17, 9:47 PM
    • 4,554 Posts
    • 26,688 Thanks
    Sun Addict
    Weather dire here today too. You've reminded me we need to get a new bed - it's on the list along with a thousand other things!!!

    Anyway have a fab relaxing weekend
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 20th May 17, 9:24 AM
    • 5,552 Posts
    • 18,013 Thanks
    mummytogirls
    Morning Diary,

    Nice chilled out Saturday coming right up!!! DD's alarm was going off at 6.30 so been awake since then! Didn't get straight up though!!

    Just pegged out but only for a few hours as its forecast rain later today. Shame as its lovely out there right now.

    So the new headboard was delivered yesterday but is faulty so that is being picked up today and they are sending another one.

    DH brought home wine, chocolates and flowers yesterday which was very nice of him. He said it was a treat after a sh!tty week!! Had one glass of wine and was asleep not long after 9pm

    Thanks HI, hope you guys have a lovely weekend too.

    DTD, I bought 12 when they were being sold off in Mr T's this was the last one

    SA, order the bed!! Might aswell since you're having a spendy time at the moment!!! Im not a good MSE at the moment am I

    Think thats all! Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Bobarella
    • By Bobarella 20th May 17, 9:32 AM
    • 10,454 Posts
    • 69,668 Thanks
    Bobarella
    Awww to Mr's thoughtful gifts!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 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

3,900Posts Today

8,127Users online

Martin's Twitter