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  • FIRST POST
    • kindofagilr
    • By kindofagilr 24th Mar 14, 3:43 PM
    • 5,997Posts
    • 20,049Thanks
    kindofagilr
    This is it *ping* lightbulb!!!
    • #1
    • 24th Mar 14, 3:43 PM
    This is it *ping* lightbulb!!! 24th Mar 14 at 3:43 PM
    Hi all

    Been a member of this forum for a while, I thought I had had my lighbulb moment in the past but clearly I had not!!!

    We (OH and I) have nearly 44k of debt not inc our mortgage

    We have two gorgeous little ones and I am sick of having no money for them to do things (son is old enough to start swimming lessons now and I really want him to be able to do things like that)

    We were all depressed about the figure and wondering how on earth we were going to pay it off, thinking it was going to take 10 years +

    I spent all of yesterday ringing the credit card companies and getting the APRs for my accounts, then we snowballed it
    .
    .
    .
    .
    .
    .
    .
    And to my MASSIVE suprise, if we can scrape even just £20 from somewhere in the budget and snowball the way the calc tells us we will be debt free in 4.5 years!!!!

    That has made me and OH feel even more positive about it all!

    I will try and not bore you all with my diary ... but it prob will be lol

    We sent some things to music magpie yesterday, they said they will pay £62 for them, now I just hope they pass their checks and we get the £62 (they should do)

    And we have some things on ebay due to end in 6 days.

    Heres to being debt free
    At LBM DFD was Dec 2024
    £47,166.44
    /£38,397.15 ~ 25/03/2017
    ~18.59% Paid

    POAMAYC 2017 #87 PD £3248.38/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£87,587 (as of 28/02/17) ~ 16.11% Paid

    My Debt Free Diary (Link)
Page 35
    • kindofagilr
    • By kindofagilr 17th Mar 17, 12:50 PM
    • 5,997 Posts
    • 20,049 Thanks
    kindofagilr
    Thank you yeah I think they must be? it's an awesome age isn't it!!!

    HANSON ARE COMING TO THE UK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

    They just announced a world tour, they are only doing one date in each European country (which isn't normal, they usually do at least 4 in the UK), so me and OH are going to see them in London on the 10th June

    I have bought the concert tickets, just this morning bought the train tickets, and my brother travels with work a lot and had a ton of hilton points, so he has used some of his points and booked us into the Hilton for the night for a early birthday present for me SOOOOOOO excited, not seen a Hanson concert since Autumn 2013

    And tomorrow the tickets go on sale for walker stalker London 2018, so need to buy them as well

    Such an expensive month this month, thank god it was all budgeted for lol (except Hanson but we had money I was able to use for that)

    Have a good day all xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£38,397.15 ~ 25/03/2017
    ~18.59% Paid

    POAMAYC 2017 #87 PD £3248.38/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£87,587 (as of 28/02/17) ~ 16.11% Paid

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 18th Mar 17, 10:13 AM
    • 5,997 Posts
    • 20,049 Thanks
    kindofagilr
    Hi all

    And Hanson have sold out their gig on the day of release!! That's exciting!
    they don't normally sell out that quickly, so it's gonna be a mint gig, can't beat it when a venue is full

    Not much going on here, just chores etc, @sda have been, so I have just overpaid te$co with £20

    DS has swimming this afternoon

    Poor DD has a cold she's feeling sorry for herself

    The weather is awful here, raining, and it's that horrible drizzle rain that drenches you

    I hope you all have a good day xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£38,397.15 ~ 25/03/2017
    ~18.59% Paid

    POAMAYC 2017 #87 PD £3248.38/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£87,587 (as of 28/02/17) ~ 16.11% Paid

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 23rd Mar 17, 4:57 PM
    • 5,997 Posts
    • 20,049 Thanks
    kindofagilr
    Good afternoon all

    Hanson have added a second date (the next night) to London, so that's exciting, kinda gutted I had already booked trains lol cos I could have gone to both! Nevermind lol I am excited for the one 11 weeks and 2 days to go!! Whoop

    Not long till our Centre Parcs holiday as well!!! 10 weeks and 1 day for that really need to get sorted though and book activities, I want the kids to do go karting, and OH wants us all to do pottery painting, and I would like us to do ten pin bowling.

    DS did a thing called clip and climb for his birthday and both him and DD loved it, so I am going to have a look at the tree climbing things that they have there and see if I think they will be able to do it, if not then I will see if there is something else, I don't want to overbook us with stuff, cos both my kids love just being in forests with their scooters so lots of walking and playing in the forest will be good

    Oh and I got mine and OH's tickets for the walking dead convention 2018 just need some guests to be announced now lol

    Home insurance renewal time in April, I couldn't find one much cheaper than the renewal, so I have stayed with my previous company, but I had enough in savings to pay it in one go rather than monthly (like last year) so I have paid for that already.

    Need to do a couple balance transfers in April, I hate this lol, I hate all the bouncing and waiting for things to settle, but once it's done obv I will be pleased

    OH is working late so just gonna get the kids to bed soon, then have a bath and wait for him to get home, will probably do the food menu for the week and then the shopping list ready for me to order online tomorrow

    I hope everyone has had a good day xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£38,397.15 ~ 25/03/2017
    ~18.59% Paid

    POAMAYC 2017 #87 PD £3248.38/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£87,587 (as of 28/02/17) ~ 16.11% Paid

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 24th Mar 17, 1:36 PM
    • 5,997 Posts
    • 20,049 Thanks
    kindofagilr
    Good afternoon all

    Not much going on today, @sda order done, should have about £10 leftover to pay off a CC, then I can update the POAMAYC thread as that will be the last payments for this month.

    Need to go pick up DS from school in 20 mins, and I have managed to get both kids a hair appointment straight after school.

    It's really sunny here, it's lush!!!

    Once I am back home and kids have had their tea I am going to sort out a plan of CP, and then book the activities!! Need to get it sorted lol

    Have a good day all xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£38,397.15 ~ 25/03/2017
    ~18.59% Paid

    POAMAYC 2017 #87 PD £3248.38/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£87,587 (as of 28/02/17) ~ 16.11% Paid

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 25th Mar 17, 9:38 AM
    • 5,997 Posts
    • 20,049 Thanks
    kindofagilr
    Good morning all

    @sda has been, I don't have anything to overpay as I remembered late last night I needed packed lunch things for my son as he has a school trip this week.

    Been updating my spreadsheet forecasting the year to come, it's tight some months as I have moved two cards which had a combined minimum of £50 to one card which has a minimum of £130 (oops lol) but on the positive it means it will go down quicker lol

    I expect us to have a slight increase in wages for both of us at the end of April pay (due to tax code increase) and I am hoping OH is getting an actual wage increase, and I am due a wage increase of about £20 a month on the end of July pay. So I am sure it will all be fine in the end lol

    All my statements are in for March and we have paid off £864.59 (off the debt and the mortgage) so I am very happy with that

    DS has swimming this afternoon, other than that I am not sure what we are doing

    I need to sort out my cross stitch threads, which is boring, but needs to be done soon cos they are all over the place in the house and I am losing track of which ones I have (there is nearly 500 threads to be had)

    Have a good day all xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£38,397.15 ~ 25/03/2017
    ~18.59% Paid

    POAMAYC 2017 #87 PD £3248.38/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£87,587 (as of 28/02/17) ~ 16.11% Paid

    My Debt Free Diary (Link)
    • MoneyMission
    • By MoneyMission 25th Mar 17, 5:15 PM
    • 550 Posts
    • 2,767 Thanks
    MoneyMission
    Cross stitch thread sorting - I feel your pain! I have nowhere near that amount and still find it a chore

    Well done on the continued debt busting. I love catching up on your thread - you're doing great!

    And I love that you get so excited about Hanson! I actually had to look them up to make sure there was only one group called Hanson and they were the ones I remember from years back!

    MM
    MFW 2017 challenge (No.39) £2095.00 / £3,450.00 (60.73%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
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