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
    • Sholly
    • By Sholly 7th Jan 13, 11:10 PM
    • 171Posts
    • 648Thanks
    Sholly
    It's kind of fun to do the impossible
    • #1
    • 7th Jan 13, 11:10 PM
    It's kind of fun to do the impossible 7th Jan 13 at 11:10 PM
    I like doing the impossible. Or at least trying it. It motivates me and, to be honest, I like to prove people wrong!! It's not that I'm argumentative (much ), I'm just determined.

    I'll just set the scene, if you don't mind. I'm 18. My friend is 19 and wants to buy a house. I have my own dream to buy somewhere but I have no money so, for the minute, I'll just nab one of her rooms. So we go into an estate agents and they treat us like we're 5. They just don't want to know. I hated that feeling of being laughed at. Like they were giggling to each other as we left. My friend is now 28. She hasn't bought anywhere yet, maybe they put her off, but, not me; it just made me more determined and I started saving like mad! Weeks before my 21st birthday I became the very proud owner of a 3 bed upper flat. I paid £86,500 for it but I love it! So that was 2007, a matter of months before the banks crumbled. I sometimes think that if I'd waited a few months I could've got a great deal but the reality is that I probably wouldn't have been granted a mortgage at all.

    So, enough of the past. The situation as it now stands: as of mid-December 2012, I owe £71,100 and I have a debt of £6,000 (0%). I've cleared a large amount of debt (I was paying more in bills/childcare than I earned) so far but I don't know what it was at it's height. I am aiming to be debt-free (£6k credit card debt) by Christmas 2013. I'm being mega-strict and eBaying, Music Magpie-ing so much that I start to think that maybe I don't need a bed, or doors, or sofas but then I remember that I do have some basic human rights!!!! Once this debt has been obliterated, I'll then be focussing all of my efforts on paying off my mortgage. My aim is to have it paid off by 30.06.18 (my son's 10th birthday).

    My dream? Security. That's it. I want to feel that what I have is mine. I've worked hard for what I have and the thought that someone could come and take it all away terrifies me. I want my home to be secure for myself and for my son (I'm sure he'll feature in this diary at some point!). I want him to see me going to work everyday and working hard so that we can have a comfortable life. I've dreamt about the day that we owe nothing and I can see it being a goood day! That day, I want to take him to the travel agent and book the most amazing holiday (okay, so one more dream!); I want to take him on safari but I also want to help to build a school (or houses etc) whilst we're there so that I can ensure he values what he has and knows how lucky he is.

    Anyway, if you're still reading, thank you! Please feel free to contribute to my journey and keep me sane when I'm eating brown rice and peas just so that I can make that tiny overpayment!!

    Sholly x
    Last edited by Sholly; 08-01-2013 at 12:09 AM. Reason: Spotted a spelling mistake...thought I'd got 'em all!!
    DFW and MFW
    Debt free target: August 2018
    12 months to go
Page 9
    • Sholly
    • By Sholly 24th Aug 17, 12:38 PM
    • 171 Posts
    • 648 Thanks
    Sholly
    List update
    Financially:
    NSD other than littlie's haircut - fail, the tenants needed something for the flat so £14.99 over budget


    With littlie:
    Game/chapter of Harry Potter - mega game of Monopoly started, to be continued today


    House stuff:
    Finish kitchen - done
    Make a list of all of the freezer food and plan meals - done, I'm always amazed by what can be made when I think we have nothing in. Top up shop done today.
    Hoover living room and clean hallway - done
    Two loads of washing - done
    Put dry washing away - done


    Looking after myself:
    Bath with a book, bed after I've put littlie to bed after his evening out - done


    Today's list

    Financially

    Top up shop only, NSD aside from that

    With Littlie

    Continue Monopoly marathon

    House stuff


    Make chutney and flatbreads for lunch
    Hoover stairs

    Looking after myself

    Run 14k - Boyfriend is taking Littlie to his activity tonight so I'll hopefully get this done then
    DFW and MFW
    Debt free target: August 2018
    12 months to go
    • Sholly
    • By Sholly 25th Aug 17, 12:24 PM
    • 171 Posts
    • 648 Thanks
    Sholly
    List updates
    Today's list

    Financially

    Top up shop only, NSD aside from that - Boyfriend and Littlie did this and they didn't buy a single thing that wasn't on the list ...and they went when they were hungry! #proud

    With Littlie

    Continue Monopoly marathon - complete, I won!

    House stuff


    Make chutney and flatbreads for lunch - done
    Hoover stairs - not done, I had planned on doing this after my run, but I was so ill afterwards, I have no idea what happened

    Looking after myself

    Run 14k - Boyfriend is taking Littlie to his activity tonight so I'll hopefully get this done then - run done, managed 15k, but I felt stiff as soon as I stopped, and then felt sick. I managed a shower and about a quarter of my tea before I had to go to bed and slept for almost 12 hours. I have a half marathon in a couple of weeks so I really need to work out what went wrong yesterday


    Today's list

    Financially

    I've had to pay a £30.10 bill, NSD aside from that

    With Littlie

    A chapter of Harry Potter at bedtime

    See if he'll help me make scones for a picnic tomorrow

    House stuff

    Clean bathroom
    Hoover stairs

    Looking after myself

    A bath to soothe sore muscles after yesterdays run
    DFW and MFW
    Debt free target: August 2018
    12 months to go
    • Sholly
    • By Sholly 8th Sep 17, 10:53 AM
    • 171 Posts
    • 648 Thanks
    Sholly
    Finally Friday
    My last list was a little while ago, but it all got done

    Financially

    I've had to pay a £30.10 bill, NSD aside from that

    With Littlie

    A chapter of Harry Potter at bedtime
    See if he'll help me make scones for a picnic tomorrow

    House stuff

    Clean bathroom
    Hoover stairs

    Looking after myself

    A bath to soothe sore muscles after yesterdays run

    My new list:

    Financially: low spend day today - I heard that our little local charity shop had some school jumpers with the school logo on so I popped in to get one 30p! Bargain. The only other spend will be swimming with Little tonight - I have a membership so just £2.40

    With Littlie: swimming and a chapter of Harry Potter at bedtime if it's not too late

    House stuff: hopefully, finally, I'll get to the bottom of the washing basket today

    Looking after myself: 5k run, swimming and maybe even a bath later - what a treat!
    DFW and MFW
    Debt free target: August 2018
    12 months to go
    • Sholly
    • By Sholly 8th Sep 17, 11:09 AM
    • 171 Posts
    • 648 Thanks
    Sholly
    Debt
    I've been trying to be really MSE recently. If I'm to be debt-free by this time next year, then I have to be.

    I made a list of all of the food in the house to use all of it up before we go shopping. Unfortunately, somehow to food bill this month is £284 which is higher than normal - maybe it was the start of the month when we were away camping. No idea. Hopefully lower next month.

    I've also started Christmas shopping early to spread the costs so Littlie has a few little presents, my step-mum's present is sorted and I just need something small to accompany my nephew's gifts. I'm going to spend around £20 a month over the next 3 months which will cover a lot of Christmas minus Littlie's and Boyfriend's main presents.

    My car insurance is due later this month so I have this in my calendar to sort out after "credit card cut off" day. I'd love to get this lower than £300. I also need to check when my service is due. I'm pretty sure this is also the end of this month. Humpf I need to live on beans on toast.
    DFW and MFW
    Debt free target: August 2018
    12 months to go
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

3,385Posts Today

6,074Users online

Martin's Twitter
  • RT @thismorning: 'Sometimes the best gift is releasing somebody else from the obligation of having to give to you' says @MartinSLewis. Do y?

  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion! https://t.co/UGvWlMURxy

  • Follow Martin