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
    • 5,802Posts
    • 20,239Thanks
    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 260
    • Purplemumof2
    • By Purplemumof2 2nd Jan 18, 11:23 AM
    • 5,563 Posts
    • 20,302 Thanks
    Purplemumof2
    Have a great day x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6900.00 Cap 1: £467.97 BC: £6900.00

    AFD 4/14 NSD 9/17 LTW 10/17
    POAMAYC 2018 #041 PD £878.17/£4000
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • mummytogirls
    • By mummytogirls 2nd Jan 18, 2:54 PM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Afternoon Diary,

    We are back from Mr T's and the farmshop and I am incredibly pleased that we stuck to our list and came under budget in both . I had a word with the girls whilst driving there as they are monkeys for wanting this and that (probably like most kids!) I told them weve lots to pay out in the next month including DD and DH's birthday and then the MOT so they needed to help me! It worked and they didn't ask for a single thing ha! We will be going to Mr Al's tomorrow for the main shop so I will let them chose a yoghurt or something for after their tea which won't break the budget!

    £17.60 out of £20 in Mr T's
    £6.99 out of £10 in farmshop on sausages and pastys

    I need to go and get some washing out of the drier. Will get this ironed and put straight away. Need to put another load into the drier which is mainly pjs so won't need ironing.

    Food:
    Breakfast - porridge with banana and nutella
    Lunch - chicken salad wrap and grapes
    Tea - bolognaise with wholewheat pasta and cheese
    Gym - body pump

    Might not get back on tonight so here's my positives/MSE things from today:
    * used up change in my purse in Mr T's by going self serve
    * came £5.41 under budget on my shopping
    * transferred £6.24 from Qm33 to cover some of my January shortfall
    * made 53p on Qm33 today and 15p on onepoll

    Back to work tomorrow, girls not back until Thursday so going to MIL.
    Tomorrow its going to be Mr Al's shopping day. I would usually do this Thursday but since we are pretty much going past there on way back from MIL's going to do it tomorrow. Thursday can be NSD2.

    Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • redofromstart
    • By redofromstart 2nd Jan 18, 3:20 PM
    • 860 Posts
    • 4,940 Thanks
    redofromstart
    I do admire someone who can stick to lists. Absolutely not one of my strengths.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd Jan 18, 4:38 PM
    • 2,892 Posts
    • 16,764 Thanks
    HairyHandofDartmoor
    Your debts have come down considerably MTG. How much are you hoping to clear in 2018?
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd Jan 18, 4:40 PM
    • 2,892 Posts
    • 16,764 Thanks
    HairyHandofDartmoor
    Afternoon Diary,

    We are back from Mr T's and the farmshop and I am incredibly pleased that we stuck to our list and came under budget in both . I had a word with the girls whilst driving there as they are monkeys for wanting this and that (probably like most kids!) I told them weve lots to pay out in the next month including DD and DH's birthday and then the MOT so they needed to help me! It worked and they didn't ask for a single thing ha! We will be going to Mr Al's tomorrow for the main shop so I will let them chose a yoghurt or something for after their tea which won't break the budget!

    £17.60 out of £20 in Mr T's
    £6.99 out of £10 in farmshop on sausages and pastys

    I need to go and get some washing out of the drier. Will get this ironed and put straight away. Need to put another load into the drier which is mainly pjs so won't need ironing.

    Food:
    Breakfast - porridge with banana and nutella
    Lunch - chicken salad wrap and grapes
    Tea - bolognaise with wholewheat pasta and cheese
    Gym - body pump

    Might not get back on tonight so here's my positives/MSE things from today:
    * used up change in my purse in Mr T's by going self serve
    * came £5.41 under budget on my shopping
    * transferred £6.24 from Qm33 to cover some of my January shortfall
    * made 53p on Qm33 today and 15p on onepoll

    Back to work tomorrow, girls not back until Thursday so going to MIL.
    Tomorrow its going to be Mr Al's shopping day. I would usually do this Thursday but since we are pretty much going past there on way back from MIL's going to do it tomorrow. Thursday can be NSD2.

    Hope all ok xx
    Originally posted by mummytogirls
    A very efficient and MSE day. You sound like your healthy eating is on track too .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • mummytogirls
    • By mummytogirls 3rd Jan 18, 4:29 PM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Afternoon Diary,

    First day back at work done! I actually feel as though I had about 2 minutes sleep with the horrendous storm we had overnight, don't feel too bad considering but looking forward to a decent sleep tonight!

    Girls have been to MIL today and they are back at school tomorrow.

    We went to Mr Al's and over spent by £3.35 . All things were needed bar a chocolate mousse each for the girls and some noodles which came to £1.27. Lots of nice fresh food though including chicken breasts for the week ahead which isn't bad for £43.35. I did know I was pushing it with £40 as it was

    Meal plan for next week is:
    Thurs - slow cooker shredded chicken fahitas
    Fri - vege burgers, curly fries and salad
    Sat - chicken chicken curry, egg fried rice and prawn crackers
    Sun - sausage, mash, yorkshire puddings and veg
    Mon - chicken, bacon and leek in creamy dijon sauce, roast pots and veg
    Tues - hot beef baguettes, hm chips and peas
    Weds - jacket potatoes, cheese and beans

    No gym today as I need to be here for DD2 whilst DH and DD1 at football. Food:
    Breakfast - porridge with nutella and banana
    Snack - satsuma and 2 rich tea biscuits
    Lunch - hm tomato soup and malted bloomer bread & pear and raspberry smoothie
    Tea - cornish pasty and mushy peas

    Tomorrow will be NSD2, will confirm tomorrow though.

    Redo, oh I can deviate from a list aswell

    HHOD, I don't have a target as such as I just let the DD's go up. £216 goes out a month, could pay more but having a life aswell and aslong as the debt isn't going up this is good enough for me. Having said that 8 years in it could have totally been paid off by now!

    Positive from today:
    * survived day 1 back at work

    Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • mummytogirls
    • By mummytogirls 3rd Jan 18, 7:25 PM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Wow all sorted with tea and baths etc but am totally shattered!

    Just popping on to report that I've made 53p on Qm33 today taking my total to £1.03 and 10p on 0nepoll taking my total to £10.10. I do get a bit slack with surveys when I'm back at work so just trying to get on once a day to clear any I may have.

    xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Jan 18, 9:40 PM
    • 2,892 Posts
    • 16,764 Thanks
    HairyHandofDartmoor
    Your healthy eating sounds like it's going well
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • mummytogirls
    • By mummytogirls 4th Jan 18, 3:47 PM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Afternoon Diary,

    Wow was so tired last night I was fast asleep on the sofa for 8pm! Actually had the best sleep id had in weeks .

    Not a great deal to report on today. It is NSD2 though.

    Got the gym later so just having a slice of toast and cup of tea to put me on until after for my tea.

    Food:
    Breakfast - porridge with nutella and banana
    Lunch - cheese salad wrap, french fries crisps and grapes
    Tea - slow cooked fahitas
    Snacks - banana and 1 slice of toast

    Really scraping the barrel with today's positives but can't think of anything else!
    * NSD2 of 12
    * were really organised and on time in the mornings (I'm sure this will change!)

    Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • mummytogirls
    • By mummytogirls 4th Jan 18, 4:49 PM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Another positive is that I've earned 95p on Qm33 taking my total to £1.98 now! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • mummytogirls
    • By mummytogirls 4th Jan 18, 9:05 PM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Just back for a super quick update!

    Went to the spinning class and hated it! Felt good afterwards though ha! I guess thats what happens after more or less 3-4 weeks off!

    Just done another survey, now at £2.30 .

    Happy Friday eve xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 4th Jan 18, 9:57 PM
    • 2,892 Posts
    • 16,764 Thanks
    HairyHandofDartmoor
    Well done on the healthy eating and the spinning class. You should shift the weight if you keep this up . I've done well with my eating today too.
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • mummytogirls
    • By mummytogirls 5th Jan 18, 3:57 PM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Afternoon Diary,

    Phew the working week (even if it is just 3 days!) done!! Feeling really good today and even woke up before my alarm which happens about once a year!!

    Just been on and been screened out of 3 surveys so no extra money earnt as yet today. Will try again later.

    HHOD, I'm feeling really good at the moment and I know the eating and exercise is playing a part in that. I just need to try and remind myself of this when I'm being bad, eating !!!! and not going to the gym. Glad you're eating well too. Do you drink lots of water? Im quite good at that but I always try drink a bit more when I'm on it!!!

    Does anyone recommend those actimel drinks? Ive never bothered with them but have been looking into them as I always feel like I need an extra boost health wise. They're on offer at Mr T's at the mo.

    Food:
    Breakfast - weetabix
    Lunch - wholewheat pasta with cream cheese and green pesto, cucumber sticks and grapes
    Tea - vege burger in brioche bun, potato waffle or curly fries and roasted pepper
    Snack - raspberry and pear smoothie

    Positives from today :
    * its Friday
    * NSD3 of 12
    * was super organised this morning with being up early and put veg in the slow cooker for soup for lunches next week

    Happy Friday eve all xx
    Last edited by mummytogirls; 05-01-2018 at 6:52 PM.
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • mummytogirls
    • By mummytogirls 5th Jan 18, 3:57 PM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Oh HHOD meant to say I weighed myself yesterday and had lost 2lbs , to does come off very slowly with me so chuffed with that xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • mummytogirls
    • By mummytogirls 5th Jan 18, 9:35 PM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Evening Diary,

    DH's turn to fall asleep on the sofa tonight . Thought id pop back in to keep up to date!
    Just had to confiscate DD's iPad which she had taken to bed with her! She's a monkey for doing this but we always forget to take it off her.

    I got 4 portions of soup for lunches so they are now in the freezer for 2 days next week and week after.

    Also had to edit my signature as I've only had 3 NSD not 4 mentioned earlier on! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Jan 18, 9:56 PM
    • 2,892 Posts
    • 16,764 Thanks
    HairyHandofDartmoor
    Well done for losing 2lb that's really good .

    I know I won't have lost anything yet because I've only been good for two days, but hopefully by next weekend I'll have lost a pound. I'm going to start my walks next week too which will help .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • pennywisepoundstupid
    • By pennywisepoundstupid 6th Jan 18, 10:08 AM
    • 4,573 Posts
    • 15,007 Thanks
    pennywisepoundstupid
    Well doneon the 2lb weight loss, have a great weekend. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £189.00 General savings £150.20
    Clothes challenge £250/£36.63
    • mummytogirls
    • By mummytogirls 6th Jan 18, 1:02 PM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Afternoon Diary,

    Well I have been busy this morning! Been out to DD's dancing then cracked on preparing for tonights tea by boiling some rice (its for fried rice and always works better when dried out a bit), roasted the chicken for the curry and made some biscuits. We then cracked on with the cleaning, house is now sparkling again .

    DH has announced he would like to do something tomorrow so we have agreed on a cute little town about 30 mins from here as they have a park and lots of nice cafes. Today was going to be a spend day but I've decided to combine all my things into tomorrow and make today a NSD and tomorrow a SD.

    Have just made 48p on Qm33 taking my total to £2.78, was screened out of 2 on 0nepoll so still at £10.10.

    Food:
    Breakfast - weetabix
    Lunch - scrambled egg and beans on toast
    Tea - chinese chicken curry with fried rice and prawn crackers
    Snack - biscuit I made earlier with a latte (haven't had one all week!)

    So positives for today:
    * nice tidy and clean house for the weekend
    * used a galaxy bar out of my selection box for chocolate chips for the shortbread biscuits, no need for extra spends
    * NSD4 of 12 today

    Thats about all for now, need to go and catch up with my ironing shortly . Happy Saturday all xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • debtfreeoneday
    • By debtfreeoneday 6th Jan 18, 4:45 PM
    • 2,813 Posts
    • 9,692 Thanks
    debtfreeoneday
    Have a lovely day out tomorrow! x
    DFW (08/08) £64,346.53 Credit card debt: £4299.59 over three credit cards.
    MFW (01/15) £118,031.21 £94,075.17 ~ 2017 OPs £12.79
    Earnings 2018 Pcone £6.00 ~ Ips0s £10.00 ~1poll £35.45 ~ Pr0filic £28.93 ~ TCB £13.84 ~ YouGov £30.25
    • Sun Addict
    • By Sun Addict 6th Jan 18, 5:42 PM
    • 4,986 Posts
    • 30,924 Thanks
    Sun Addict
    Well done on losing 2lbs - I found it by the way it's attached itself to me

    Enjoy your weekend. Next week's going to be a killer - a 5 day week ugh But let's not think about that right now
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
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

4,425Posts Today

7,838Users online

Martin's Twitter