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  • FIRST POST
    • mummytogirls
    • By mummytogirls 2nd Mar 10, 2:58 PM
    • 5,427Posts
    • 16,575Thanks
    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 242
    • emmie26
    • By emmie26 7th Sep 17, 4:28 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    Hello M2G, hope all has been good over the last couple of weeks, I haven't had time to go back far, but it sounds like you have had a fab weekend which I am very envious of, what a lovely hubby.
    I love it when my little ones are enthusiastic, get up early and look pristine for school, I have a feeling that this may only last until tomorrow lol!

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 7th Sep 17, 5:51 PM
    • 4,772 Posts
    • 20,831 Thanks
    Hiddenidenity
    Busy, busy, busy! MTG x

    Hope you've had a wonderful day, nearly weekend x
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • mummytogirls
    • By mummytogirls 7th Sep 17, 8:43 PM
    • 5,427 Posts
    • 16,575 Thanks
    mummytogirls
    Evening Diary,

    Sorry I've been awol just busy first week back to it taking over. I have been contemplating not bothering with my diary entries anymore as I feel as though I'm talking the same old drivel about washing, shopping, food and exercise but I feel it does keep me on track even if I am boring everyone to tears .

    So yesterday was NSD2, my mum and sister took me out for my belated birthday tea and mum paid (she does come good sometimes ).

    Today I've been to Mr Al's and I am super impressed with myself today!! Got my weeks shop plus 10 chicken breasts and bacon for £53. Fridge and cupboards are bursting.

    Ive been to my first spinning class tonight. I was absolutely dreading it but it actually wasn't as bad as I imagined.

    Food:
    Breakfast - rice crispies
    Lunch - Homemade tomato and mozzarella soup and 2 cream crackers, greek style yoghurt and an orange
    Tea - slow cooked pulled fahitas with hm guacamole and sour cream
    Snacks - fruit, oats and yog, 2 oaty biscuits and popcorn

    Quite chuffed with myself this week, if I do say so myself!!!

    DFOD, wish I could go back and do last weekend all over again

    Emmie, have missed you where've you been?!

    HI, hope you have too! It certainly is nearly the weekend

    Hope all ok 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 7th Sep 17, 9:03 PM
    • 8,151 Posts
    • 45,061 Thanks
    please-let-me-be-lucky
    Keep posting, we'd miss you if you didn't Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in September- 4/5
    Lbs lost 7.5/107.
    • debtfreeoneday
    • By debtfreeoneday 8th Sep 17, 1:17 PM
    • 2,764 Posts
    • 9,431 Thanks
    debtfreeoneday
    Yes keep posting, I missed it and it didn't keep me on track - don't go anywhere I will stalk you!

    It's the weekend!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • emmie26
    • By emmie26 8th Sep 17, 4:15 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    I feel the same way about my diary sometimes but then I do feel like it is keeping me honest. I am more aware of what I am spending when I am accountable to MSE!!
    I enjoy reading all the diaries regardless of the content, it is nice to see people in the same boat as me and not all the pretend lives all over Facebook.
    Hope you have a lovely weekend after such a busy week.

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • mummytogirls
    • By mummytogirls 8th Sep 17, 8:13 PM
    • 5,427 Posts
    • 16,575 Thanks
    mummytogirls
    Evening Diary,

    Phew what a day only just sat down! Got a bit stressy at work this morning and felt like I couldn't do the job any longer. Then I had a word with myself and told myself I can do the job, its the job thats getting too big. Anyway, will probably be mental until half term and then hopefully will calm down a bit November and then ramp up again for Christmas.
    It wasn't help by the fact that DD2 had a meltdown over her hair this morning and I ended up having to speak to school about her behaviour in the end as she was basically going into school crying her eyes out after being horrendously rude before leaving the house! Her old teacher had a word with her, doubt it will have done much but thankful for some help.

    Anyway in other news today has been NSD3 .
    DH started the cleaning when he got in whilst I cooked tea and we have just finished together now. House is lovely and sparkling this evening.
    I have also washed and dried the uniforms, will iron those tomorrow.

    Thanks for your replies PLMBL, DFOD and Emmie, I do think it will keep me on track more so I'm glad you guys agree .

    Food:
    Breakfast - weetabix
    Lunch - mugshot and strawberries and natural yoghurt
    Tea - BBQ chicken burger, hm chips and onion rings
    Snacks - penguin biscuit and popcorn

    Right think thats about all. Hope all ok and ready for the weekend xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Sun Addict
    • By Sun Addict 8th Sep 17, 8:21 PM
    • 4,284 Posts
    • 23,507 Thanks
    Sun Addict
    Glad you decided not to give up on your diary, would really miss you pegging out

    Seriously we love reading your diary so don't go away any time soon.

    What a lovely hubby to surprise you with a weekend away. You've got a good 'un there.
    Virtual Sealed Pot £621.40
    September NSD 9/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 8th Sep 17, 8:23 PM
    • 5,427 Posts
    • 16,575 Thanks
    mummytogirls
    Awwww thanks SA

    I know he does spoil me at times. I really would love to go back to last week and do it all again... sigh xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • louby40
    • By louby40 9th Sep 17, 8:25 AM
    • 1,083 Posts
    • 3,011 Thanks
    louby40
    Hey MTG yours was the first diary I read all the way through (took me ages lol) so don't you dare stop posting!

    Glad you enjoyed spin - it's one of my favourite classes! Can't believe we've done a week already!

    Enjoy your weekend
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £100/£1000. Christmas savings £400/£600 Car maintenance £100/600
    Kitchen July £12,493 OCT £10,993. 12% paid off
    Barclaycard £389
    Car loan £3084 Mortgage £95,807
    TOTAL DEBT = £110,273
    • Purplemumof2
    • By Purplemumof2 9th Sep 17, 8:33 AM
    • 5,073 Posts
    • 16,698 Thanks
    Purplemumof2
    Hi MTG,

    Please don't stop posting, I enjoy reading your diary x
    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 9th Sep 17, 9:51 AM
    • 5,427 Posts
    • 16,575 Thanks
    mummytogirls
    Morning Diary,

    Well what a miserable day it is, rain isn't going to stop for pretty much the next week according to the forecast so reckon I need to make friends with the TD

    Thanks for your posts Louby and PMO2, all the lovely posts I've received have convinced me I need to keep posting. I just feel as though I might be boring everybody sometimes, bore myself .
    Ive booked in for spin next week too Louby.

    So this morning we have been out to DD2s dancing lesson. Back now and parked in front of James Martin with a cuppa and a slice of toast. DH and DD1 are off out for football soon so that leaves me and DD2 here. She's in her bedroom at the moment, but before long she will be down claiming she's boooored! We have no plans so she will have to deal with it.

    Today should be NSD4, will confirm that later!

    Food today:
    Breakfast - weetabix
    Lunch - bacon, mushrooms, eggs, beans, tomatoes and toast
    Tea - unsure yet as will be having late lunch and DH out
    Snack - toast

    Think thats about all, will catch up with other diaries shortly xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • redofromstart
    • By redofromstart 9th Sep 17, 10:05 AM
    • 320 Posts
    • 1,389 Thanks
    redofromstart
    I feel the same way about my diary sometimes but then I do feel like it is keeping me honest. I am more aware of what I am spending when I am accountable to MSE!!
    I enjoy reading all the diaries regardless of the content, it is nice to see people in the same boat as me and not all the pretend lives all over Facebook..
    Originally posted by emmie26
    Absolutely what emmie says - spot on. I read most of the diaries, don't always have time to read them all but yours is one of the ones I read regularly.

    I know I bore myself sometimes, but its helping me so I shall keep plodding away at it. If I don't post its because I have gone off the rails and spent money.
    • mummytogirls
    • By mummytogirls 9th Sep 17, 10:32 AM
    • 5,427 Posts
    • 16,575 Thanks
    mummytogirls
    Thank you Redo , I started reading your diary last week... was drawn in by the cheese we will ensure to come and hunt you down then should you go awol

    So I've just been marking off my accounts on my spread sheet and I'm chuffed that I've still got £132 in my grocery account. Ive been keeping a tight reign on this and have 2 weeks shopping to do until payday so should have some leftover. This will be a miracle if this happens as have never managed it before... all hail Ald! Im hoping to spend roughly £55 next week and then £30-£40 week after. I have 3 meals banked in the freezer for the last week (bolognaise, curry and beef).

    DD2 is being kept busy she's had a bath and is now writing to her friends she met on holiday. Brought up a table and chairs into the living room which should keep her entertained for a while.

    xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • mummytogirls
    • By mummytogirls 9th Sep 17, 10:21 PM
    • 5,427 Posts
    • 16,575 Thanks
    mummytogirls
    Evening Diary,

    Just a flying visit! Was coming on here an hour ago and then MIL rung for a quick one!!!

    I have been so naughty food wise today, I actually can't even remember whats flown into my mouth , I do know a couple of homemade cookies DD2 and I made them (they were the big ones) and a portion of nachos as a snack and we had lunch/tea at 3pm so was hungry by 8.

    Anyway today has been NSD4 we will be needing milk tomorrow so tomorrow will be a spend day.

    Does anyone watch cold feet? I have just watched last nights and I don't know why but it makes me feel really content watching it! DH doesnt like it hence why I'm behind a day. I love it though

    No plans as such for tomorrow except a Sunday roast.

    Catch up soon x
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • debtfreeoneday
    • By debtfreeoneday 10th Sep 17, 8:55 AM
    • 2,764 Posts
    • 9,431 Thanks
    debtfreeoneday
    Roast on the cards here today, glad you've had a nice weekend. Keep plodding on with work, first half term is always madness!
    DFW (08/08) £64,346.53
    CC1 - GONE! ~~~ CC2 - GONE! ~~~ CC3 - £1263.18 ~~~ CC4 - £1050.00
    MFW (01/15) £118,031.21 £96,612.41
    • mummytogirls
    • By mummytogirls 10th Sep 17, 10:46 AM
    • 5,427 Posts
    • 16,575 Thanks
    mummytogirls
    Morning Diary,

    Lazy Sunday is the order of this morning! DH brought me some breakfast in bed which was nice .

    Just put a load of washing into the TD, have another load to go in the washer and have a nice joint of beef in the slow cooker.

    Plans for today are to get out for a walk round the local area later. We also need to pop into the coop for milk and strawberries.
    DH is just doing some jobs around the house, long overdue so glad he's finally doing them!

    Happy Sunday all 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 10th Sep 17, 11:36 AM
    • 8,151 Posts
    • 45,061 Thanks
    please-let-me-be-lucky
    Sounds like a perfect Sunday Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in September- 4/5
    Lbs lost 7.5/107.
    • louby40
    • By louby40 10th Sep 17, 11:46 AM
    • 1,083 Posts
    • 3,011 Thanks
    louby40
    We have a roast in the oven - DP is also doing roast veg! Not much else on the cards, just printed some stuff out for school, tidied up, need to do some ironing and will try and fit in a walk?

    Enjoy your day!
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £100/£1000. Christmas savings £400/£600 Car maintenance £100/600
    Kitchen July £12,493 OCT £10,993. 12% paid off
    Barclaycard £389
    Car loan £3084 Mortgage £95,807
    TOTAL DEBT = £110,273
    • mummytogirls
    • By mummytogirls 10th Sep 17, 3:50 PM
    • 5,427 Posts
    • 16,575 Thanks
    mummytogirls
    Afternoon Diary,

    Thanks PLMBL and Louby, hope you guys enjoy your Sunday too. I actually love Sunday's, the chance to get caught up and everything prepared for the week ahead.

    So we've been out for our walk, it was quite chilly out, rainy and windy but we all got our winter coats on and embraced it!
    Called in at the coop on the way back and drew out the breakfast club money for the next week and spent £6 in the coop on milk, strawberries and pineapple which was heavily reduced to 29p

    Have done 2 loads of washing today, managed to catch the 2nd lot just as the TD was finishing which meant half of the things could be hung up, leaving me about 8 things to iron

    Also listed 2 things on eb@y so will see what happens with them, won't make mega bucks but anything is better than nothing. I sold 2 items last week too. Ive got about 6 items which didn't sell which I hadn't expected to so will take those to the clothes bank at the girls school.

    Another victory for today is that I cut off a cucumber from the garden so thats saved us buying a cucumber this week. Ive also noticed theres another 2 looking good.

    So the rest of the evening will look like this:
    - cook tea (veg already cut and DH will take leftovers for Tuesdays lunch)
    - make chicken tikka salads for tomorrow's lunch boxes
    - fill water bottles etc
    - have a shower and chill out in preparation for another busy week

    Have a good week all xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
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