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  • FIRST POST
    • kindofagilr
    • By kindofagilr 24th Mar 14, 4:43 PM
    • 6,063Posts
    • 20,368Thanks
    kindofagilr
    This is it *ping* lightbulb!!!
    • #1
    • 24th Mar 14, 4:43 PM
    This is it *ping* lightbulb!!! 24th Mar 14 at 4:43 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
    £50,820.17 ~ 21/09/2017
    ~ 0% Paid

    POAMAYC 2017 #87 PD £7779.25/£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/£86,312 (as of 31/07/17) ~ 17.33% Paid

    Holiday 2018 Fund = £128.15 ~ 21/09/17
    Lost Weight 0/48 Lbs ~ 17/08/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
Page 37
    • kindofagilr
    • By kindofagilr 5th Sep 17, 1:15 PM
    • 6,063 Posts
    • 20,368 Thanks
    kindofagilr
    The kids are back to school tomorrow, I am so not ready for it I think I am finding it harder this time as DD starts full time school (she isn't full days till friday though) I am gonna miss them so much

    I have just loaded DS lunch card with his lunch money for the month, its £11.50 a week so I have loaded £48 (£12 a week) cos I have told him he is allowed to buy a milkshake/bottle of pop as a treat from the tuck shop on a friday.
    He had three years of free dinners from reception to year 2 so this is the first time I've had to pay for dinners lol
    I know packed lunches *may* be cheaper, but I didn't want to do them as I wanted him to have hot food, plus the packed lunch rules are super strict so I would struggle as he is super picky lol
    DD is going into reception so her lunches are free for three years.

    I hope you all have a good day xx
    At LBM DFD was Dec 2024
    £50,820.17 ~ 21/09/2017
    ~ 0% Paid

    POAMAYC 2017 #87 PD £7779.25/£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/£86,312 (as of 31/07/17) ~ 17.33% Paid

    Holiday 2018 Fund = £128.15 ~ 21/09/17
    Lost Weight 0/48 Lbs ~ 17/08/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 6th Sep 17, 1:05 PM
    • 6,063 Posts
    • 20,368 Thanks
    kindofagilr
    Kids went back to school this morning, they were totally fine and amazingly I didn't cry lol, DD was only there till 11.35 today and tomorrow, so she is currently chilling out watching videos. Hopefully DS is having a good day, I hope his lunch thing is working out ok, it sounds too high tech for me lol, they use his finger print to identify his account!!

    One of my new cards came (the one I have already done transfers onto) but the other one isn't here yet lol I really want that one here cos I wanna get the transfers done!!! I hope it comes tomorrow

    I am going to have a tidy up and do the dishes and prep the bangers and mash for tea, then chill with some crochet before it's time to go pick DS up

    Have a good day all xx
    At LBM DFD was Dec 2024
    £50,820.17 ~ 21/09/2017
    ~ 0% Paid

    POAMAYC 2017 #87 PD £7779.25/£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/£86,312 (as of 31/07/17) ~ 17.33% Paid

    Holiday 2018 Fund = £128.15 ~ 21/09/17
    Lost Weight 0/48 Lbs ~ 17/08/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 9th Sep 17, 4:28 PM
    • 6,063 Posts
    • 20,368 Thanks
    kindofagilr
    Hey all, how is everyone's day going?

    @sda came this morning and there was £12.40 leftover from the weekly budget so I have transferred that to our holiday fund

    My other CC came the other day so all the BT's have gone through now.

    Kids are enjoying school so far which is great, DD had her first full day on friday, she loved it and loved the lunch which is good xx
    At LBM DFD was Dec 2024
    £50,820.17 ~ 21/09/2017
    ~ 0% Paid

    POAMAYC 2017 #87 PD £7779.25/£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/£86,312 (as of 31/07/17) ~ 17.33% Paid

    Holiday 2018 Fund = £128.15 ~ 21/09/17
    Lost Weight 0/48 Lbs ~ 17/08/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • lucielle
    • By lucielle 9th Sep 17, 6:32 PM
    • 7,934 Posts
    • 33,956 Thanks
    lucielle
    I used to be able to crochet but completely forgotten how. Would love to learn again.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • kindofagilr
    • By kindofagilr 11th Sep 17, 12:03 PM
    • 6,063 Posts
    • 20,368 Thanks
    kindofagilr
    I followed a Bella Coco tutorial on youtube, and finally learnt how to do it check her out

    DS has lost his PE kit already after two days at school and he hasn't even done PE yet xx
    At LBM DFD was Dec 2024
    £50,820.17 ~ 21/09/2017
    ~ 0% Paid

    POAMAYC 2017 #87 PD £7779.25/£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/£86,312 (as of 31/07/17) ~ 17.33% Paid

    Holiday 2018 Fund = £128.15 ~ 21/09/17
    Lost Weight 0/48 Lbs ~ 17/08/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 13th Sep 17, 2:29 PM
    • 6,063 Posts
    • 20,368 Thanks
    kindofagilr
    Good afternoon all,

    Flights have come up online for Ry@nair and wow they are cheap!!!! It was £1200 for 4 of us to go inc bags and seats, and it's now coming up at £550 which is really good for the summer hols, so I am just waiting for OH to have his holiday's approved then I will be booking, then we need to choose a villa lol I have a shortlist, so we have a few to choose from

    I am so excited, I need to find mine and OH's passports though (they are in the house somewhere) I know mine will have run out so I need to renew mine, but I am not sure about his, plus we need them to renew them, and both kids need passports too

    Have a good day all xx
    At LBM DFD was Dec 2024
    £50,820.17 ~ 21/09/2017
    ~ 0% Paid

    POAMAYC 2017 #87 PD £7779.25/£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/£86,312 (as of 31/07/17) ~ 17.33% Paid

    Holiday 2018 Fund = £128.15 ~ 21/09/17
    Lost Weight 0/48 Lbs ~ 17/08/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 16th Sep 17, 9:56 PM
    • 6,063 Posts
    • 20,368 Thanks
    kindofagilr
    Hanson have announced a Christmas concert in the UK!!!!!! Woo hoo!!! I am so so so happy, they are coming to manchester on 10th dec, tickets go on sale on monday, I hope I get some!!
    They released a christmas album in 1997 which I love, I listen to it every year, well this year they are released another one, and a whole concert dedicated to christmas songs! I am so excited

    Holiday plans have massively changed, we started getting slightly worried about using airbnb, so we have decided to scrap the villa idea, and we are going through a travel agent, I realised that you can get 2 bed apartments for sometimes the same price as one bed ones, or a little bit more, so I have been hunting for 2 bed apartments, we did consider all inclusive, but tbh they were like £2000 more than self catering, and I really dont think we will spend that much on food and drinks while we are there, plus we don't want to be restricted to where we eat. so I have narrowed it down to 7 hotels, in Fuerteventura, Tenerife, Menorca and Salou xx
    At LBM DFD was Dec 2024
    £50,820.17 ~ 21/09/2017
    ~ 0% Paid

    POAMAYC 2017 #87 PD £7779.25/£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/£86,312 (as of 31/07/17) ~ 17.33% Paid

    Holiday 2018 Fund = £128.15 ~ 21/09/17
    Lost Weight 0/48 Lbs ~ 17/08/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 18th Sep 17, 1:07 PM
    • 6,063 Posts
    • 20,368 Thanks
    kindofagilr
    Got my Hanson tickets woo hoo!!! So excited for the christmas show!!!

    We also booked our holiday fror next year, changed our plans again lol, and we have booked a 2 week all inclusive holiday to tenerife and the holiday includes free unlimited access to the siam water park (normally would be £110 a day for the four of us) we are sooooo excited

    Been voted #1 water park in the world by trip advisor

    So diet starts now lol xx
    At LBM DFD was Dec 2024
    £50,820.17 ~ 21/09/2017
    ~ 0% Paid

    POAMAYC 2017 #87 PD £7779.25/£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/£86,312 (as of 31/07/17) ~ 17.33% Paid

    Holiday 2018 Fund = £128.15 ~ 21/09/17
    Lost Weight 0/48 Lbs ~ 17/08/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kirtsypoos
    • By kirtsypoos 18th Sep 17, 3:03 PM
    • 2,963 Posts
    • 13,192 Thanks
    kirtsypoos
    Just delurking to say Siam Park is a brilliant day out! Enjoy!! x
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16231.98/14,539.71
    • kindofagilr
    • By kindofagilr 18th Sep 17, 7:15 PM
    • 6,063 Posts
    • 20,368 Thanks
    kindofagilr
    Ohhhh yay I'm pleased you liked it. I've told OH I wanna go at least twice lol! Xx
    At LBM DFD was Dec 2024
    £50,820.17 ~ 21/09/2017
    ~ 0% Paid

    POAMAYC 2017 #87 PD £7779.25/£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/£86,312 (as of 31/07/17) ~ 17.33% Paid

    Holiday 2018 Fund = £128.15 ~ 21/09/17
    Lost Weight 0/48 Lbs ~ 17/08/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kirtsypoos
    • By kirtsypoos 19th Sep 17, 9:58 AM
    • 2,963 Posts
    • 13,192 Thanks
    kirtsypoos
    I don't blame you - we went twice and were only there for 9 days. The best lazy river I've been on, it was lots of fun. I didn't manage the tower of terror though - far too high for me! x
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16231.98/14,539.71
    • kindofagilr
    • By kindofagilr 19th Sep 17, 1:17 PM
    • 6,063 Posts
    • 20,368 Thanks
    kindofagilr
    Yeah I saw the picture of the tower of terror and there is no way I will cope with that lol!! the lazy river looks really good

    And I just noticed you are soooooooooooo close to being debt free!!!! well done hun!!! that is amazing!!!! xx
    At LBM DFD was Dec 2024
    £50,820.17 ~ 21/09/2017
    ~ 0% Paid

    POAMAYC 2017 #87 PD £7779.25/£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/£86,312 (as of 31/07/17) ~ 17.33% Paid

    Holiday 2018 Fund = £128.15 ~ 21/09/17
    Lost Weight 0/48 Lbs ~ 17/08/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kirtsypoos
    • By kirtsypoos 19th Sep 17, 1:37 PM
    • 2,963 Posts
    • 13,192 Thanks
    kirtsypoos
    Thank you! Plan is to be DF before baby arrives so I think that's easily do-able! x
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16231.98/14,539.71
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