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  • FIRST POST
    • PinotGrigio41
    • By PinotGrigio41 24th Nov 13, 1:27 PM
    • 4,185Posts
    • 20,818Thanks
    PinotGrigio41
    Mrs PG's Hopes & Dreams for a debt free future !
    • #1
    • 24th Nov 13, 1:27 PM
    Mrs PG's Hopes & Dreams for a debt free future ! 24th Nov 13 at 1:27 PM
    Now seems as good a time as any to begin my new diary !

    Trawling back in my old diary , I had made a mention of my Hope and Dreams for our future, so decided to steal the wording for my new diary. In the absence of a lovely witty , entertaining title this one will have to do.

    So following on from Pinots Potty Debt Free Journey ( I am rubbish at posting links) which is now two years old , quite alot has changed.

    We began with a debt mountain of £96K, in November 2011, we now sit in here in 2013 with half that amount. Sometimes I wonder how on earth we are still here to tell the tale, but we are. Largely I have to say it is due to the huge amount of support from my lovely Virtual Friends on here. If I name you all it will turn into one of those dreadfully awful tearful Oscar speeches, but I can honestly , truthfully, hand on heart say that the PG Family would not be where we are now without you all. You know who you are and you have been amazing, but I guess you all know that !!

    Its been a tough two years, but somehow we have still managed some laughs and fun, mixed with lots and lots of tears and tough times.

    So what do the next two years in store have for us then other than htting that last 50% of our debt? Probably more of the same, working our backsides off, trying to come up with as many ways to battle this Debt Mountain as we can , and hopefully keep smiling that manic grin that I plaster on for those really crappy days. We need to get DD1 through college,keep DD2 motivated and also try get some form of normality back into lives, this has been seriously lacking for many years. We need to begin to have a social life again, this has fallen by the wayside, we lost touch with many of our friends as working every weekend isnt great for your social life , nor did we have the money for grand expensive nights out. We need to change this somehow and start to include a few more fun things into our life. May people have commented how on earth Mr PG and I have managed to stay together given the hours we work, and the stress but we have and will. We aren't giving up this easily and let this damn Debt win and drag us down completely !

    I lost my amazing dad , not long ago. I am glad that he never knew what a bloody great mess we were in, it would have broken his heart. He knew we had a few problems but never the full extent of it. That was and still is our Guilty Secret and that it shall remain. We seem to have done a pretty good job at Keeping Up Appearances for the last 8 years that we have been struggling for, so I am sure we can continue with more of the same. His loss has made me all the more determined to crack this mess and live a happy less stressful life, for as we all know "Life Is What You Make It " So we will make it the absolute best we can for us and for our gorgeous girls.

    So off we go to continue our bumpy Journey...............................it would be wonderful if you could join us !!

    Mrs PG xxx
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future !
    Total debts Nov 2011 £96796.75
    Total Debts Feb 2018 £30554.49
    Cleared Feb 2018 £66242.26

    Emergency Fund / Rainy Day - £1000 . DMP Mutual Support Thread 428
Page 74
    • PinotGrigio41
    • By PinotGrigio41 12th Aug 17, 1:09 PM
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    PinotGrigio41
    Ok, I have checked.

    I am very confused.......it doesn't take alot though !

    My signature is correct. We have cleared £63K ish

    I think my previous signature must have been incorrect, but I have just triple checked and this is the correct amount owing and the correct amount cleared !!

    Does that mean I get to celebrate again tonight ?
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future !
    Total debts Nov 2011 £96796.75
    Total Debts Feb 2018 £30554.49
    Cleared Feb 2018 £66242.26

    Emergency Fund / Rainy Day - £1000 . DMP Mutual Support Thread 428
    • PinotGrigio41
    • By PinotGrigio41 12th Aug 17, 1:10 PM
    • 4,185 Posts
    • 20,818 Thanks
    PinotGrigio41
    Have a fabulous weekend
    Originally posted by brizzledfw
    You too Mrs B, have you any lovely plans ? xx

    Mr PG made it home in the early hours, we weren't expecting him until Sunday , so it was a lovely surprise
    xx
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future !
    Total debts Nov 2011 £96796.75
    Total Debts Feb 2018 £30554.49
    Cleared Feb 2018 £66242.26

    Emergency Fund / Rainy Day - £1000 . DMP Mutual Support Thread 428
    • brizzledfw
    • By brizzledfw 15th Aug 17, 11:21 PM
    • 7,208 Posts
    • 35,167 Thanks
    brizzledfw
    We had a great weekend thanks..including a magical balloon fiesta...

    How's it going this week? Am counting down to the holidays but also trying to make sure we do a budget. May tell everyone what's in the holiday category of YNAB and say we can spend that and that's the limit. Otherwise it could be a free for all and I end up robbing Peter to pay Paul..hmm. Planning another large OP off the final CC so need to prioritise that really. Oh and paying into the tax fund!

    The joys of domestic financial management!!

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 8th Sep 17, 3:49 PM
    • 7,208 Posts
    • 35,167 Thanks
    brizzledfw
    How's it going Mrs PG? Back in the maelstrom of school and keeping Mr PG sorted?

    How were the exams??

    Much love

    Brizzle xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • PinotGrigio41
    • By PinotGrigio41 9th Sep 17, 2:17 PM
    • 4,185 Posts
    • 20,818 Thanks
    PinotGrigio41
    Just popped in to update the PG National Debt and realised I had been AWOL again

    All is good thankyou. Exams went fab, she did so well . We had a celebration party for her and her friends ! Still recovering from that one ! DD2 now at sixth form, had a few first day nerves but she seems settled now.

    DD1 getting ready to head back to Uni next week, I will miss her, but I'm pretty sure she will be back to visit in no time She is taking her little car with her this year so it will be easier for her to come back and forth.

    Managed a couple of camping trips in recent weeks which were lovely and chilled. I swear I still smell of campfires despite my best efforts.

    Work is erratic, Mr PG still working away, been in Cardiff these past few weeks. Hes back this weekend , trying to get DD1s car and his car serviced rather than paying out. We want to make sure her car is all sorted before she drives back to Uni. After that Mr PG wont be around now until mid October which is a pain, but we just have to keep on plodding. !!

    Thats it........ my quick update. The sun is shining today, so I am heading outside to carry on with painting the outside of the house ! Its been a slow process !!!

    Hope you are all well xxxx
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future !
    Total debts Nov 2011 £96796.75
    Total Debts Feb 2018 £30554.49
    Cleared Feb 2018 £66242.26

    Emergency Fund / Rainy Day - £1000 . DMP Mutual Support Thread 428
    • apple muncher
    • By apple muncher 9th Sep 17, 2:42 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    Does Mr PG sleep in his car when away? Or camp? I think I recall something along those lines... (though I might well be wrong)
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • PinotGrigio41
    • By PinotGrigio41 11th Sep 17, 10:48 AM
    • 4,185 Posts
    • 20,818 Thanks
    PinotGrigio41
    Does Mr PG sleep in his car when away? Or camp? I think I recall something along those lines... (though I might well be wrong)
    Originally posted by apple muncher
    He has been camping through the summer Apple, you are correct , although it does depend on whereabouts he is working as its not always viable.

    The last couple of weeks hes been back to using Air BNB , but it adds to the expense
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future !
    Total debts Nov 2011 £96796.75
    Total Debts Feb 2018 £30554.49
    Cleared Feb 2018 £66242.26

    Emergency Fund / Rainy Day - £1000 . DMP Mutual Support Thread 428
    • NoOneAround
    • By NoOneAround 19th Sep 17, 2:31 PM
    • 1,714 Posts
    • 8,290 Thanks
    NoOneAround
    Hello Mrs PG,
    Just had a quick catch up and the debt reduction totals are unbelievable!
    Well done to DD my DS also just started 6th form. It all feels very strange having grown ups around the house. I still recall my despair 3 years ago just as DD was leaving to go to university.

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • brizzledfw
    • By brizzledfw 20th Sep 17, 10:47 PM
    • 7,208 Posts
    • 35,167 Thanks
    brizzledfw
    Great news Mrs PG..but boo to expenses..has he tried the city centre campsite in Cardiff?
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 23rd Sep 17, 9:21 AM
    • 7,208 Posts
    • 35,167 Thanks
    brizzledfw
    How's it going Mrs PG?

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • debtaghh
    • By debtaghh 29th Nov 17, 5:55 PM
    • 1,110 Posts
    • 3,341 Thanks
    debtaghh
    I’ve just been reading your old diary, well done on the amount of debt that you have cleared!
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £46,325 , Family £ 36,922 total debt £83,317

    Frugal living challenge # 10- £8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • brizzledfw
    • By brizzledfw 1st Dec 17, 4:48 PM
    • 7,208 Posts
    • 35,167 Thanks
    brizzledfw
    How!!!8217;s it going??

    Hope alls week with the PG household

    Brizzle x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • PinotGrigio41
    • By PinotGrigio41 3rd Jan 18, 11:19 AM
    • 4,185 Posts
    • 20,818 Thanks
    PinotGrigio41
    Happy New Year !!
    I have just written a huge long post / update ready for the New Year and the computer has blipped out and lost the lot .

    There's no time to re write at the moment, but incase anyone is still lurking on this very neglected diary, I hope you all had a lovely Christmas and the PG Family wish you all a Happy and hopefully stress free and prosperous New Year !! xxx

    I am once more aiming to get back on this diary and will hopefully be back shortly if time allows to write the updated post again ( if I can remember what it actually said )
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future !
    Total debts Nov 2011 £96796.75
    Total Debts Feb 2018 £30554.49
    Cleared Feb 2018 £66242.26

    Emergency Fund / Rainy Day - £1000 . DMP Mutual Support Thread 428
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 3rd Jan 18, 3:14 PM
    • 8,613 Posts
    • 49,489 Thanks
    please-let-me-be-lucky
    Happy New Year PG Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 13/60
    Lbs lost 16/107.
    Savings for Florida £161.90/£1000
    • NoOneAround
    • By NoOneAround 7th Jan 18, 8:51 PM
    • 1,714 Posts
    • 8,290 Thanks
    NoOneAround
    Happy New Year Mrs PG (still lurking!)
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • Honey Bear
    • By Honey Bear 8th Jan 18, 9:10 AM
    • 4,831 Posts
    • 48,627 Thanks
    Honey Bear
    Those figures look amazing, Mrs PG. Happy New Year to all the PG family.
    Keeping it AF
    • brizzledfw
    • By brizzledfw 19th Jan 18, 7:57 AM
    • 7,208 Posts
    • 35,167 Thanks
    brizzledfw
    HNY Mrs PG...hope alls good and lots of love from the Brizzle contingent xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • PinotGrigio41
    • By PinotGrigio41 18th Feb 18, 4:05 PM
    • 4,185 Posts
    • 20,818 Thanks
    PinotGrigio41
    I managed to lose my own diary

    I completely forgot what it was even called, how mad is that ?!

    Anyway I finally found it so here a quick post -


    Quick update on the money front is that I am currently throwing all my TT's to the mortgage and the loan as it makes me feel better overpaying these even by 50p or sometimes even 1p at a time. National Debt is heading the right direction, just not quickly enough.

    Our M&S debt has now been transferred to C@b0t, they are behaving for now. We are still battling with PRAT, that will be ongoing for some time I feel but otherwise all things debt related are plodding along quietly.

    Work is as erratic as ever, the girls are good, finally managed to obtain a tiny bit of extra Student Finance to help us and DD1 out for the remainder of this year. Its taken four months for them to realise that what we earned in 2015 which is what they are basing this years finance on isn't what we are currently earning. As of yesterday they finally agreed a small increase. I still cant get my head around that we are financing 2017/18 yet they base their finance on what we earnt in 2015/16. Maybe its just me . This increase has come as a welcome relief and now will nearly ( but not quite) cover her rent for the rest of the year at least.

    Right that's my super quick update.......I'm rushing off again now. Now I know the name of my own diary I will try and log on again soon !! .

    Hope you are all well xxxx
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future !
    Total debts Nov 2011 £96796.75
    Total Debts Feb 2018 £30554.49
    Cleared Feb 2018 £66242.26

    Emergency Fund / Rainy Day - £1000 . DMP Mutual Support Thread 428
    • apple muncher
    • By apple muncher 18th Feb 18, 4:39 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    I subscribe to my own diray, that way I cannot lose it!
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Honey Bear
    • By Honey Bear 19th Feb 18, 9:38 AM
    • 4,831 Posts
    • 48,627 Thanks
    Honey Bear
    It sounds like much else for February - slowly but surely we're all getting there but goodness it's a plodding, grey month. Good to see you posting again Mrs PG!
    Keeping it AF
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