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
    • 5,799Posts
    • 20,214Thanks
    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 261
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Jan 18, 5:54 PM
    • 2,872 Posts
    • 16,609 Thanks
    HairyHandofDartmoor
    Well done on losing 2lbs - I found it by the way it's attached itself to me
    Originally posted by Sun Addict


    A very productive day MTG and tomorrow's plans sound nice .
    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 6th Jan 18, 6:11 PM
    • 5,799 Posts
    • 20,214 Thanks
    mummytogirls
    Thanks DFOD, SA and HHOD, I'm sure we will have a lovely day.

    SA, oh no that doesnt sound good, il pop over to yours shortly to find out

    So ended up watching the Borrowers with DDs and then doing my ironing.

    Just had tea which was very nice and feels very naughty and treaty but actually isn't that bad. Just waiting for the drier to finish so I can nip out and bring that in and then get a bath.

    xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • Sun Addict
    • By Sun Addict 6th Jan 18, 9:03 PM
    • 4,973 Posts
    • 30,886 Thanks
    Sun Addict
    The gain is the result of not going to WW for 4 weeks, several Christmas meals, a bottle of Baileys, chocolates and eating proper food for lunch and not soup. Back to normal now though so should drop off soon.
    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
    • WannabeFree
    • By WannabeFree 6th Jan 18, 10:02 PM
    • 395 Posts
    • 5,603 Thanks
    WannabeFree
    Have a lovely day tomorrow x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • mummytogirls
    • By mummytogirls 7th Jan 18, 2:36 PM
    • 5,799 Posts
    • 20,214 Thanks
    mummytogirls
    Afternoon Diary,

    Were back from our little jaunt out, spent a little bit more than I wanted to buy hey ho. I expected we might pop to the park there but it was too cold really. DH moaned that it wasn't really what he envisaged so I was like well next time you want to go somewhere set out a proper plan!

    So spends today were £3 in Greggs on lunch, £20 in caffe n3ro and £4 in card f@ctory on cards and wrapping paper. We had 3 hours out in total so not too bad but I just hate spending money when it wasnt particularly enjoyable!

    Just transferred out £3.32 from Qm33 to cover part of the above. Always having to cover something or other .

    Food:
    Breakfast - weetabix and slice of toast
    Lunch - cheese and onion pasty and chocolate orange cheesecake
    Tea - sausage, stuffing, mash, yorkshire puddings, carrots, broccoli and leeks

    That's about all! Hope all ok xx
    Last edited by mummytogirls; 07-01-2018 at 2:58 PM.
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Jan 18, 4:14 PM
    • 2,872 Posts
    • 16,609 Thanks
    HairyHandofDartmoor
    Sorry your outing was a bit cold and spendy. I expect the fresh air did you good though.

    Your meals sound nice .
    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 8th Jan 18, 8:48 PM
    • 5,799 Posts
    • 20,214 Thanks
    mummytogirls
    Evening Diary,

    Just a fleeting visit tonight as its getting late, I've only just sat down and am shattered!!

    Work was incredibly busy this morning, you just can't predict when its going to be that busy!! I survived though and it went extra fast!

    So eating has been brilliant today and I have felt really good for it. Went to the gym too.

    Food:
    Breakfast - porridge with nutella and banana
    Lunch - hm vegetable soup, wholemeal roll, cucumber sticks and cream cheese and pineapple
    Tea - chicken, bacon and leek in creamy dijon sauce, roast potatoes, carrots and peas
    Snacks - 2 cream crackers with butter and small glass of orange juice
    Gym - body combat

    Positives from today:
    * NSD5 of 12
    * feeling healthy

    Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Jan 18, 8:55 PM
    • 2,872 Posts
    • 16,609 Thanks
    HairyHandofDartmoor
    Another day of healthy eating MTG, you're doing well . Did you go to the gym after work? You're indpiring me to try harder.

    I hope work is slightly less busy tomorrow.
    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 9th Jan 18, 9:05 PM
    • 5,799 Posts
    • 20,214 Thanks
    mummytogirls
    Evening Diary,

    Another day another late finish!! Massively busy (again! story of my life!) and expensive day. Done my usual, work, took DD to swimming, popped into Tesco, been to gym. Should have sat down an hour again but weve had the locks changed on the doors tonight. Its rife round here for burglaries for cars at the moment and with what happened to my sister I just can't rest knowing someone could bump our locks in a matter of seconds. We were only getting the front one done for the minute but DH had a last minute change of heart and got all 3 done whilst I was at the gym ... £180 . Anyway its done now and weve not gone for the cheapest as some of the others weren't fire proof and they like blowtorching too .

    Other than that spent £18 in Mr T's on essentials we were running out of.

    HHOD, awww im so glad that I am inspiring you that makes me feel proud . Yes I go to the gym at 6.30pm for my classes.

    Food:
    Breakfast - porridge with nutella and banana
    Lunch - hm bacon, mushroom and cream cheese pasta and jelly
    Tea - jacket potato, cheese and beans
    Snacks - cucumber and cream cheese for dipping, popcorn and 200ml of chocolate alpro warmed for hot chocolate
    Gym - body pump

    Positive from today
    * finally got our door locks changed
    * had 2 healthy days

    Very tired tonight, just watching Peaky Blinders with DH and then off to bed! Will catch up with everyones diaries tomorrow xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 9:08 PM
    • 2,872 Posts
    • 16,609 Thanks
    HairyHandofDartmoor
    Well done with the eating and exercise today. I went for my first walk in weeks today .

    Changing the locks sounds like a very good idea, it will make you feel safer.
    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 10th Jan 18, 4:08 PM
    • 5,799 Posts
    • 20,214 Thanks
    mummytogirls
    Afternoon Diary,

    Hurray the first day I've actually been able to come home for a cuppa and a sit down! Not for long as need to go on the dancing run before long but better than nothing!

    Mr O just tried tempting me in with a free delivery and 15% off a £50 shop but I've just been on and most of the things I actually need are from Mr Al's and loads cheaper so I've closed the site .

    Colleague at work has got me in to a little savings plan so we are doing it together! Its a 1p a day challenge where each day it doubles, so day 1 - 1p, day 2 - 2p and so on. Apparently we should have £667.95 by end of year. Need to put it £1.05 to get me straight until Sunday! I don't usually have money in my purse but I'm thinking if I start drawing the grocery money out in cash I might be able to put my left over weekly budget (wishful thinking there!) in the pot. Might go and get one of those tins that you can't get into!!

    Food:
    Breakfast - weetabix (was starving by 9.15 with not having porridge!)
    Lunch - hm vegetable soup, wholemeal roll and banana
    Tea - hot beef baguette, hm oven chips and peas
    Snacks - apple and popcorn
    Gym - day off

    Positives from today -
    * starting the savings plan
    * NSD6 of 12
    * should be able to sit down slightly earlier tonight

    Hope all ok anyway, will catch up with everyone at some point tonight xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • mummytogirls
    • By mummytogirls 10th Jan 18, 4:09 PM
    • 5,799 Posts
    • 20,214 Thanks
    mummytogirls
    I agree it does make me feel safer HHOD. They've needed doing and if it deters burglars then that suits me!!!

    Well done on your walk xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • redofromstart
    • By redofromstart 10th Jan 18, 5:39 PM
    • 858 Posts
    • 4,905 Thanks
    redofromstart
    MrO tried to sucker me in too! I also resisted.

    I'd have done the locks too.
    • mummytogirls
    • By mummytogirls 10th Jan 18, 9:33 PM
    • 5,799 Posts
    • 20,214 Thanks
    mummytogirls
    Yay to your resisting too Redo... the old mummy would have been ordering immediately! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Jan 18, 9:37 PM
    • 2,872 Posts
    • 16,609 Thanks
    HairyHandofDartmoor
    I find that porridge is the only breakfast that gets me through to lunch time without being hungry. Your eating is still going well I see .
    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
    • WannabeFree
    • By WannabeFree 10th Jan 18, 9:38 PM
    • 395 Posts
    • 5,603 Thanks
    WannabeFree
    MrO did me too! I haven't looked yet

    I agree changing the locks definitely worth it for peace of mind. Mine haven't long been changed. I also got the non emergency police to come and do their safety check. They fitted two locks on every window, two safety chains on each door and gave advice on things outside. It's really rough here
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • mummytogirls
    • By mummytogirls 10th Jan 18, 9:53 PM
    • 5,799 Posts
    • 20,214 Thanks
    mummytogirls
    Evening Diary,

    Just popping back in as promised to catch up with everyone! Just had a cup of warm chocolate alpro again, DD2 has also taken a liking to it!!!

    So I've entered 3 competitions that I just happen to have seen today:
    - tastecard from MSE email
    - local panto
    - free water bottle
    Will see if anything comes from them.

    Tomorrow I will pop to Mr Al's at some point so will be a spend day.

    HHOD, I chose weetabix today as all out of bananas. Might have to just leave the bananas out of tomorrows and just have nutella as I can't believe the difference.

    WF, don't be tempted by MrO haha!! I was looking at the price of lurp@c and I buy norp@k for twice as much and 20p cheaper! I just couldn't do it, even with 15% off and free delivery!
    Re the locks best that you are safe too. We have all window locks as they were fitted as standard with the house (although we never lock them ). Its rife round here for breaking in for cars and with DH's new car which is the type they are going after I just couldn't settle. They can take the cars if they want them that much, just don't come in my house!

    Tomorrow I need to collect DD2 early from school as she has the dentist , 15 months this has been going on for now. If she's ok will probably call in at Mr Al's on the way back as we will pass it.

    Right think thats all xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • debtfreeoneday
    • By debtfreeoneday 11th Jan 18, 12:58 PM
    • 2,813 Posts
    • 9,692 Thanks
    debtfreeoneday
    Hope dentists goes ok!
    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
    • mummytogirls
    • By mummytogirls 11th Jan 18, 3:26 PM
    • 5,799 Posts
    • 20,214 Thanks
    mummytogirls
    Afternoon Diary,

    Only just got in from the dentist, I didn't realise the appointment was an hour long so haven't had chance to go to Mr Al's as needed to be back for DD1. So we have made progress today and she's had a temporary filling and some oxygen through the mask. Hoping next time he will have some of the gas and feel chilled out enough for an injection. DH is taking her to that appointment anyway!

    Nothing much to report really, will be a spend day as need to go to Mr Al's with a £40 budget.

    Food:
    Breakfast - porridge with nutella
    Lunch - pasta with pesto and cream cheese and apple
    Tea - quiche, curly fries and beans
    Snack - biscuit
    Gym - spinning at 6.30

    So thats about all for now. Will catch up later xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • mummytogirls
    • By mummytogirls 11th Jan 18, 8:33 PM
    • 5,799 Posts
    • 20,214 Thanks
    mummytogirls
    Evening Diary,

    Spent £49 in Mr Al's, not doing very well at sticking to budgets this week .

    Went to spinning and actually enjoyed it tonight... il be back to hating it again next week . Really pleased with how my week has gone food and exercise wise. Just need to keep up to it over the weekend as thats when I end up being bad and undoing all my hard work.

    xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
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

202Posts Today

1,554Users online

Martin's Twitter