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  • FIRST POST
    • mummytogirls
    • By mummytogirls 2nd Mar 10, 2:58 PM
    • 5,414Posts
    • 16,505Thanks
    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 231
    • GeorgianaCavendish
    • By GeorgianaCavendish 6th Jun 17, 3:29 PM
    • 513 Posts
    • 2,305 Thanks
    GeorgianaCavendish
    That is so cheeky of Very! Definitely send a letter, they should do something more to compensate you - I wonder how many people they've charged full price and not corrected?!

    It was really wet and miserable here in London yesterday and this morning, I'm dying for some sunshine!
    Georgiana, Duchess of Debt-shire's July 2017 Debt Totals: HSBC Loan £11,362.14 / MBNA £3318.34 / Barclaycard £6360.70 / Lloyds £3560 / Tesco £972.50/ Dreams £259

    And don't forget the Student Loan! £10,765.93 (April 2017)
    • Purplemumof2
    • By Purplemumof2 6th Jun 17, 3:43 PM
    • 5,048 Posts
    • 16,593 Thanks
    Purplemumof2
    Boo to the windy camping trip and to Very messing up.

    Yay! to the extra money being yours, at least you don't have to find it to fix the bumper
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • mummytogirls
    • By mummytogirls 6th Jun 17, 6:01 PM
    • 5,414 Posts
    • 16,505 Thanks
    mummytogirls
    Thanks GC and PMO2, very annoying that I am having to write a letter but they've picked on the wrong one this time!! Ive got it in writing from them that it had been credited, however when I called today the lady had to do an adjustment for it. Will see what happens once they get my letter.

    Just been to DD2s swimming lesson and its so awful outside it feels like winter. It is supposed to pick up a little bit tomorrow but my washing line is earmarked for the tent to dry out! I will put a load over the airer and DH can put that on the patio as I'm not using my TD for a 3rd time in 2 days!

    Thats all for now xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Sun Addict
    • By Sun Addict 6th Jun 17, 8:13 PM
    • 4,251 Posts
    • 23,292 Thanks
    Sun Addict
    Sorry to hear your camping trip was cut short by the weather. It's been awful here too, even put the heating back on for a couple of hours. Hope you get Very sorted. Typical you get some extra money and something comes up to swallow it up, it happens to me every time.
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • pennywisepoundstupid
    • By pennywisepoundstupid 6th Jun 17, 8:44 PM
    • 4,293 Posts
    • 12,879 Thanks
    pennywisepoundstupid
    Sorry to hear you had to come back from camping early, weather is awful at the minute, does feel like winter.

    Hope you have managed to sort Very out.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Save for summer £500/£500
    EXTRA DEBT PAYMENT AUGUST -MBNA£1000/£373
    • emmie26
    • By emmie26 7th Jun 17, 6:38 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    Oh no, camping in the wind is not good at all, I think it is the worst weather for camping as it is so scary and noisy isn't it.

    This is great weather for hibernating in the house and watching some mindless family films. Enjoy having a relax.

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 7th Jun 17, 7:59 PM
    • 4,745 Posts
    • 20,646 Thanks
    Hiddenidenity
    Boo to the weather its been awful

    I'm too tight to put the heating on though
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • girlatplay
    • By girlatplay 8th Jun 17, 1:53 PM
    • 2,456 Posts
    • 14,540 Thanks
    girlatplay
    Just catching up.

    Our weather is rotten up here too. Flood warnings and everything!!

    I've just noticed that we have very similar amounts left to pay off!
    Loan (£20k) current balance: -£770
    IO Mortgage current balance: -£89,660

    • mummytogirls
    • By mummytogirls 8th Jun 17, 4:28 PM
    • 5,414 Posts
    • 16,505 Thanks
    mummytogirls
    Afternoon All,

    Thanks to all who have popped in... weather no better today, weve just got soaked going to vote! A woman working in the polling station recognised DH and I from our old house 10 years ago... can't go anywhere!!!

    So yesterday went to work, then Mr Al's, taxiing kids around and then gym. Was in bed watching TV at 8.30!!

    Posted the letter recorded delivery to V3ry yesterday and also paid for my eyebrows waxing!

    Today is NSD2 and more taxiing to be done later on.

    Nearly the weekend yet again x
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • mummytogirls
    • By mummytogirls 9th Jun 17, 5:54 PM
    • 5,414 Posts
    • 16,505 Thanks
    mummytogirls
    Afternoon Diary,

    Yay the weekend is here , can't believe I've only been at work 3 days I am shattered!

    Work has been ok until about 11.30 this morning when it all just went out of control. Had to do a little bit of work when I got home just to stop me from drowning and my to do list for next week if horrendous already. Will deal with that next week anyway.

    Spends for today are £23 in the farmshop on chicken, eggs, sausage rolls, milk and cakes for the girls

    Yesterday was NSD3 not 2 as mentioned in my last post!!

    Happy weekend all xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 9th Jun 17, 6:58 PM
    • 4,745 Posts
    • 20,646 Thanks
    Hiddenidenity
    Happy weekend

    Has the weather improved? Its still been showers here today I might have to get the winter coats back out
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Sun Addict
    • By Sun Addict 9th Jun 17, 8:39 PM
    • 4,251 Posts
    • 23,292 Thanks
    Sun Addict
    Coincidentally the woman in our polling station used to live two doors away from me and I was also in bed early last night

    Weather lovely here today, very warm and sunny.

    Have a fab weekend
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 10th Jun 17, 4:03 PM
    • 5,414 Posts
    • 16,505 Thanks
    mummytogirls
    Afternoon Diary,

    Hope everyones enjoying their Saturday. Quite a spendy day today
    £35 on the kids new cubs and scouts uniform
    £10 in a card for DD's friend (DD made the card which saved us buying one!)
    £27 in Mr Al's - totally loving this place
    £36 in Mr A's - this was made up of bit we couldn't get in Mr Al's plus extra biscuits, crisps that were on offer that will keep us going a couple of weeks. Also about £5 worth of stuff (!!!!) for the privilege of DH and DD2 coming with me

    So over the past few days we have spent a fortune on food. The fridge, freezer and cupboards and bursting though and we should have a small it shop at Mr Al's next week.

    Cant wait for my new shopping budget to restart so that I can start my new plan. One big shop at Mr T's as I currently pay for delivery saver and then smaller weekly shops at the farmshop and Mr Al's.

    HI, the weather improved for a bit but back to rain again today having to use the TD as the washing is just getting out of control.

    SA, she was our next door but 2 neighbour too!! How bizarre!!

    Hope all ok x
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • mummytogirls
    • By mummytogirls 10th Jun 17, 4:04 PM
    • 5,414 Posts
    • 16,505 Thanks
    mummytogirls
    Forgot to say me and the kids did a comparison on the past 2 Mr Al's shops compared with our usual Mr T's. We've saved over £15 so far!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • emmie26
    • By emmie26 10th Jun 17, 4:20 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    I am really looking forward to the start of the new grocery budget, we are so rock n roll

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Bobarella
    • By Bobarella 10th Jun 17, 4:25 PM
    • 10,473 Posts
    • 69,433 Thanks
    Bobarella
    M2G You calling Aldis Mr Al's has got me humming Call me Al, love that song/music video. Thanks for the image
    " 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 10th Jun 17, 4:26 PM
    • 5,414 Posts
    • 16,505 Thanks
    mummytogirls
    We are Emmie xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • mummytogirls
    • By mummytogirls 10th Jun 17, 4:30 PM
    • 5,414 Posts
    • 16,505 Thanks
    mummytogirls
    Love that song Bob! Il be singing that on my way round every time now xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 10th Jun 17, 5:42 PM
    • 4,745 Posts
    • 20,646 Thanks
    Hiddenidenity
    I bet the weather is dry and hot this week when we're back at school Youngest keeps opening the door, stands and declares oh my its raining to bad! before turning away

    Mr Al's saved us quite a bit too!
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Sun Addict
    • By Sun Addict 10th Jun 17, 8:45 PM
    • 4,251 Posts
    • 23,292 Thanks
    Sun Addict
    A new Lidl has just been built on my route home from work. I'm in there most days, I love it, can't believe how cheap it is
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
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