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  • FIRST POST
    • mummytogirls
    • By mummytogirls 2nd Mar 10, 2:58 PM
    • 5,632Posts
    • 18,558Thanks
    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 246
    • Sun Addict
    • By Sun Addict 4th Oct 17, 8:51 PM
    • 4,761 Posts
    • 28,345 Thanks
    Sun Addict
    At least you get a choice of secondary school for DD. Mine had to go to the one which their primary school fed into. Thankfully things have changed for the better in this case.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 6th Oct 17, 7:16 PM
    • 5,632 Posts
    • 18,558 Thanks
    mummytogirls
    Evening Diary,

    Friday again

    Cant even tell you how tired I feel, think I've had about 2 mins sleep all week . DD1 was up alllll night (think she was asleep for about an hour) on the toilet with this nasty bug that is doing the rounds. DH took the day off and cleaned the whole house. We always get a bit OCD when theres a bug in the house. Keeping DD's apart as DD2 has a dance event tomorrow which we can't miss. Fingers crossed but if she does get it theres not a lot we can do. You may remember DD2 wasn't feeling great at the beginning of the week but we just thought she had trapped wind. Ive also got a bit of a dodgy eye, think I may have a bit of cold in it as every time my nose runs so does my eye . Just call us sick note this week .

    Haven't had a NSD since Tuesday .

    Have a busy but exciting weekend planned with dancing tomorrow and a baby shower afternoon tea on Sunday.

    Thats about all really, hope everyones ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 6th Oct 17, 7:20 PM
    • 4,230 Posts
    • 26,461 Thanks
    Hiddenidenity
    There is loads of bugs doing the rounds isn't there? The joys of school

    I am obsessed with hand gel and I even have it clipped on the kids bags for school It is drummed into them to use it after every toilet visit/every break and before eating etc

    I hope you're all feeling better soon and the dance event goes well x
    • mummytogirls
    • By mummytogirls 6th Oct 17, 7:21 PM
    • 5,632 Posts
    • 18,558 Thanks
    mummytogirls
    So much going round HI, you realise this when you work in schools!!! Chicken pox has started round here too as well as the sickness bug.

    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 6th Oct 17, 7:53 PM
    • 8,407 Posts
    • 47,291 Thanks
    please-let-me-be-lucky
    Hope DD1 feels better soon and the rest of you avoid it.

    Have a lovely weekend Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in December 1/5
    Lbs lost 10/107.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Oct 17, 8:28 PM
    • 2,301 Posts
    • 11,194 Thanks
    HairyHandofDartmoor
    I hope you and DD1 feel better soon. I don't miss those school bugs
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • debtfreeoneday
    • By debtfreeoneday 7th Oct 17, 7:09 AM
    • 2,786 Posts
    • 9,549 Thanks
    debtfreeoneday
    Hope DD is better soon and other DD escapes it and the dance comp goes well! x
    DFW (08/08) £64,346.53
    Credit card debt: £4392 over three credit cards.
    MFW (01/15) £118,031.21 £95,324.07
    • missymoo81
    • By missymoo81 7th Oct 17, 7:46 AM
    • 5,748 Posts
    • 19,861 Thanks
    missymoo81
    Hey mummytogirls, I hope everyone is feeling a little better? Sounds like a lovely weekend.
    • Sun Addict
    • By Sun Addict 7th Oct 17, 7:59 AM
    • 4,761 Posts
    • 28,345 Thanks
    Sun Addict
    Hope you're all feeling better today. Have a fab weekend
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Purplemumof2
    • By Purplemumof2 7th Oct 17, 8:35 AM
    • 5,292 Posts
    • 18,654 Thanks
    Purplemumof2
    Morning,

    Hope everyone is feeling much better today?

    Good luck with the dance comp x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7000.00 Cap 1: £457.35 BC: £5000.00

    AFD 0/10 NSD 0/10 LTW 0/10
    POAMAYC 2018 #?? PD £0.00/£4000
    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • emmie26
    • By emmie26 7th Oct 17, 9:42 PM
    • 446 Posts
    • 1,871 Thanks
    emmie26
    Good evening, hope you are all ok, except for the bug I think everyone has something at the moment. I have been training for my new job and I keep having to go and sit with ill people. In the past few weeks I've had two colds, I'm hoping they are all out of the way and my immune system kicks back in soon. Hope the MTG house bounces back as well.

    Total Debt: £24,359.79 £19,963
    debt reduced by 18%
    Debt free date: May 2019
    • mummytogirls
    • By mummytogirls 11th Oct 17, 5:45 PM
    • 5,632 Posts
    • 18,558 Thanks
    mummytogirls
    Evening Diary,

    Thank you to all my lovely followers who wished us a great weekend. I am also pleased to report that everyone is well now .

    We had such a great day on Saturday and DD did fantastically well coming away with 3 trophies , she's so good at it, just quite expensive the higher up the rank they go.

    Other than that just the usual. Had my first NSD of the week today, think its NSD3... not bad for the 11th of the month

    Not doing too well in the shopping budget stakes... £56 to last 2 weeks , freezer is full but only with bread, potato waffles etc! Not much to make a meal out of. Will probably have to borrow from my Christmas/Birthdays money and try and be as creative as possible!!!

    In other news had some cb confirmed so have £36 winging its way to my account. Think I might put that towards an activity at half term with the girls as DH is off a couple of days with us.

    Have been keeping up with the gym, body combat Monday and body pump last night.

    Food:
    Breakfast - weetabix and 1/2 a banana
    Lunch - cheese salad wrap, hula hoops and fruit, yoghurt and oats
    Tea - hot beef baguette, oven chips and peas
    Snacks - crumpet from work and some custard creams

    Think thats about all. Just need to iron about 4 things to get my basket empty and then back out to collect DD2. Will catch up with diaries later 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 11th Oct 17, 5:55 PM
    • 8,407 Posts
    • 47,291 Thanks
    please-let-me-be-lucky
    Well done on the trophies DD .

    Can't wait for half term! Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in December 1/5
    Lbs lost 10/107.
    • mummytogirls
    • By mummytogirls 11th Oct 17, 9:05 PM
    • 5,632 Posts
    • 18,558 Thanks
    mummytogirls
    You and me both PLMBL! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Hiddenidenity
    • By Hiddenidenity 11th Oct 17, 9:29 PM
    • 4,230 Posts
    • 26,461 Thanks
    Hiddenidenity
    Well done to DD

    Half term is so close yet so far
    • Sun Addict
    • By Sun Addict 12th Oct 17, 9:50 PM
    • 4,761 Posts
    • 28,345 Thanks
    Sun Addict
    Clever DD winning the trophies

    Good luck with the creative meal plans, I might be joining you on that front after I've checked my finances tomorrow LOL
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 13th Oct 17, 7:02 PM
    • 5,632 Posts
    • 18,558 Thanks
    mummytogirls
    Evening Diary,

    Never managed to get back on here on Wednesday so will definitely catch up with everyone tonight. Feeling quite alive to say its Friday!!!
    Caught up with my finances after work and then cracked on with the cleaning and cooking tea. DH has just finished off the cleaning whilst I caught up with the ironing. Everywhere is clean now which is a nice feeling on a Friday night.

    So NSD3 the other day was actually NSD2 ... haven't had a NSD since .

    Spent £48 in Mr Al's and £5 in Mr T's expr so the budget is now gone! Really need to keep next weeks shopping as low as possible as I will be 'stealing' from Christmas/Birthdays budget so won't be paying it back as otherwise I won't be able to keep on top of my budgets.
    Going to have to really monitor my budget as if I keep going over I'm obviously being unrealistic.

    Thank you HI and SA .
    HI, 1 week to go !!!
    SA, hope your grocery budget isn't as bad as mine !!

    So weekend is busy-ish but nice. Tomorrow going to be a HSD as I'm in the hairdressers. Going to make sure Sunday is NSD3 .

    Really pleased with my gymming and eating this week although just had to eat a banana choco flakes yoghurt as DD2 knocked it out of the fridge and she doesn't like them! I haven't been on the scales in ages but I feel great in myself and my clothes.

    Food:
    Breakfast - porridge with nutella
    Lunch - pasta with leftover veg and phili, yoghurt
    Tea - chicken kiev, hm oven chips, carrots and broccoli & choco flakes yoghurt
    Snacks - cereal bar

    Think thats about all, happy weekend all xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • mummytogirls
    • By mummytogirls 14th Oct 17, 9:34 AM
    • 5,632 Posts
    • 18,558 Thanks
    mummytogirls
    Morning Diary,

    Its a good job we didn't have many plans for DD2 today as she has been sick this morning! So much going round at the moment but at least its the weekend. DH and DD1 just gone off to football, I've already been out and about this morning.

    Spent:
    £20 - butchers on beef, chicken, mince and eggs
    £5 - in Mr T's expr on milk, strawberries and bananas

    Also picked up my prescriptions from the chemist and deposited some cheques for the head at the post office whilst drawing my hair appt money out .

    No plans for the morning now other than get ready for my hair appt this afternoon. Have also got some veg and stock in the slow cooker for soup for next week.

    Hope all ok x
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Oct 17, 3:46 PM
    • 2,301 Posts
    • 11,194 Thanks
    HairyHandofDartmoor
    Hope DD2 feels better soon. Weekends are so busy but it feels good to achieve things
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • mummytogirls
    • By mummytogirls 15th Oct 17, 11:03 AM
    • 5,632 Posts
    • 18,558 Thanks
    mummytogirls
    Morning Diary,

    Lazy Sunday morning being had here, not long had my breakfast

    Nothing much really to report except the usual washing and Sunday roast! DD is much better now thank you HHOD, she was sick once and then totally fine! So bizarre.

    Have a joint of beef in the slow cooker, will have that with trimmings later.

    Off to a friends at 1pm, haven't seen her in ages so will be good to catch up. Kids always have a great time too.

    Its so warm here today, loving this jet stream business!!! Probably won't peg out though as the garden is too boggy with all the rain weve had recently. It doesnt drain well at the best of times!

    Happy Sunday all xx
    Mummytogirls x

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