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  • FIRST POST
    • kindofagilr
    • By kindofagilr 24th Mar 14, 4:43 PM
    • 6,081Posts
    • 20,417Thanks
    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
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
Page 37
    • kindofagilr
    • By kindofagilr 5th Sep 17, 1:15 PM
    • 6,081 Posts
    • 20,417 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
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 6th Sep 17, 1:05 PM
    • 6,081 Posts
    • 20,417 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
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 9th Sep 17, 4:28 PM
    • 6,081 Posts
    • 20,417 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
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • lucielle
    • By lucielle 9th Sep 17, 6:32 PM
    • 7,940 Posts
    • 33,996 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
    • 6,081 Posts
    • 20,417 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
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 13th Sep 17, 2:29 PM
    • 6,081 Posts
    • 20,417 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
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 16th Sep 17, 9:56 PM
    • 6,081 Posts
    • 20,417 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
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 18th Sep 17, 1:07 PM
    • 6,081 Posts
    • 20,417 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
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kirtsypoos
    • By kirtsypoos 18th Sep 17, 3:03 PM
    • 3,045 Posts
    • 13,509 Thanks
    kirtsypoos
    Just delurking to say Siam Park is a brilliant day out! Enjoy!! x
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • kindofagilr
    • By kindofagilr 18th Sep 17, 7:15 PM
    • 6,081 Posts
    • 20,417 Thanks
    kindofagilr
    Ohhhh yay I'm pleased you liked it. I've told OH I wanna go at least twice lol! Xx
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kirtsypoos
    • By kirtsypoos 19th Sep 17, 9:58 AM
    • 3,045 Posts
    • 13,509 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
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • kindofagilr
    • By kindofagilr 19th Sep 17, 1:17 PM
    • 6,081 Posts
    • 20,417 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
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kirtsypoos
    • By kirtsypoos 19th Sep 17, 1:37 PM
    • 3,045 Posts
    • 13,509 Thanks
    kirtsypoos
    Thank you! Plan is to be DF before baby arrives so I think that's easily do-able! x
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • kindofagilr
    • By kindofagilr 24th Sep 17, 5:59 PM
    • 6,081 Posts
    • 20,417 Thanks
    kindofagilr
    Thank you! Plan is to be DF before baby arrives so I think that's easily do-able! x
    Originally posted by kirtsypoos
    When is baby due again?

    I am sure you will do it!!! xx
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 24th Sep 17, 6:05 PM
    • 6,081 Posts
    • 20,417 Thanks
    kindofagilr
    How is everyone doing?

    We have new guests in the house mice!!! They are in a cage though lol, I heard noises in the garage (it's not attached) when I was using the Tumble Dryer, and OH has been tidying the garage this weekend, he found 4 babies and a mammy mouse in a box, the mam escaped but he managed to get the babies into our old hamster cage then set a trap up (humane) to catch the mam, managed to catch the mam. So the five of them are currently in my kitchen, they have a house, a water bottle, a food bowl and toys lol, it's an upgrade for sure lol, the babies are only about 1 week old, so once they are a bit older we will be setting them all free.

    Now we have our holidays booked I am on a weight loss mission lol, so I am starting Slimming World tomorrow, just going to do it at home, we eat quite healthy anyway but clearly not healthy enough, so today I have made soup for my lunches at work, and I have prepped all the veg for slow cooker beef stroganoff for monday and tuesday which we will have with mash and brocolli, I am looking forward to the challenge

    DS starts swimming lessons with the school tomorrow, gave me a bit of rage, they are only for 10 lessons (god knows what they think they will learn in ten weeks) they cost £61 and are compulsory!! grr!!
    And I have also had to buy a swimming cap as they MUST wear one! and had to buy him a waterproof drawstring bag for it, it's slightly annoying cos it is going to be a waste of money really

    I hope everyone is having a good day/weekend xx
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • kirtsypoos
    • By kirtsypoos 24th Sep 17, 7:27 PM
    • 3,045 Posts
    • 13,509 Thanks
    kirtsypoos
    Not until March so should be fine

    Well done you with the mice - I think I'd be utterly freaked out! x
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • monz
    • By monz 26th Sep 17, 12:43 PM
    • 2,859 Posts
    • 8,339 Thanks
    monz
    omg mice!!! I had one last year and omg if you cd have seen me on top my couch with a bowl trying to catch it... had to get my dad to help me lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • kindofagilr
    • By kindofagilr 28th Sep 17, 4:57 PM
    • 6,081 Posts
    • 20,417 Thanks
    kindofagilr
    The mice are doing well, eating and playing well, we think they are ready to go now, so we are going to let them go this weekend. Poor mites lol.

    Just bought my son's main christmas present woo hoo, I was planning on getting him one of the big lego sets, and then we saw the lego boost (it's a lego robt that you code) he is well into coding, so it's perfect for him, its RRP is £150 and it's on the top 20 toys list this year, so when I saw amazon had it for £130 I decided to buy it now in case it went OOS.

    Got my daughter some of the mini hatchimals and a fingerling as apparently they are gonna be sought after as well and she has asked for them

    Need to work on my list cos I haven't got a proper one going yet

    Hope everyone is doing well xx
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • monz
    • By monz 29th Sep 17, 10:04 AM
    • 2,859 Posts
    • 8,339 Thanks
    monz
    well done on the lego gift!!! Lego is so blooming expensive xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • kindofagilr
    • By kindofagilr 29th Sep 17, 5:20 PM
    • 6,081 Posts
    • 20,417 Thanks
    kindofagilr
    well done on the lego gift!!! Lego is so blooming expensive xx
    Originally posted by monz
    I know it really is isn't it!!! grr lol

    Payday today so I have transferred the £90 into holiday spends savings, bringing our total to £322.03 yay

    Ordered a FNAF Golden Freddy plush for my daughter, and I've picked bikes I like for her, but we need to take her to sit on some so I can know for sure which size we need. So we are going to pop into Halfords tomorrow after DS swimming lesson to see what size she is

    My Energy fixed tariffs runs out the end of oct so I really need to sort that out, I will do that tomorrow.

    Can't remember if I said, but I started slimming world from home on monday, I am enjoying it so far, I have been preparing food to make myself low syn curry fried rice and chips for my tea, I am hoping I can con myself into thinking it's a chinese

    Hope everyone is having a good day xx
    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
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