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  • FIRST POST
    • kindofagilr
    • By kindofagilr 24th Mar 14, 4:43 PM
    • 6,075Posts
    • 20,405Thanks
    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/£50,183.55 ~ 29/09/2017
    ~ 1.25% Paid

    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 38
    • kindofagilr
    • By kindofagilr 30th Sep 17, 6:00 PM
    • 6,075 Posts
    • 20,405 Thanks
    kindofagilr
    Done my meal plan

    This week we are having:
    Sunday - Chicken, Mash Potato, Roast Potato, Peas, Broccoli, Green Beand and Parsnips, with Syn free gravy
    Monday - Spaghetti Bolognese
    Tuesday - Fish, Chips and Peas (10.5 syns but the fish is oh so worth it)
    Wednesday - Chicken cooked in Nando's Lemon and Herb Sauce with rice
    Thursday - Sausage, Mash and Peas
    Friday - Diet coke chicken and rice
    Saturday - Bacon, egg, chips and beans

    Can't wait lol

    Now to do the shopping, it's gonna be an expensive one tomorrow cos we seem to have run out of/running out of every toiletry going! Don't know how I let that happen!!

    I hope everyone has had a good day
    At LBM DFD was Dec 2024
    £50,820.17/£50,183.55 ~ 29/09/2017
    ~ 1.25% Paid

    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 1st Oct 17, 1:25 PM
    • 6,075 Posts
    • 20,405 Thanks
    kindofagilr
    I am shattered now lol!! Been chopping veg for 2 hours lol

    Made the syn free gravy (basically potato, carrot, and onion cooked in water, then you add stock pots and gravy browning and blitz, it's really nice!!) It's classed as a small tweak but meh lol

    Then prepared all the veg for an epic sunday dinner, then prepared the veg for spag bol for tomorrow night's tea, then made mine and OH's breakfast for tomorrow (just strawberries in yogurt)

    DD has a party in half an hour, so once we are home from that the kids need to do their homework, then its sunday dinner time (I can't wait lol)

    Hope everyone is having a good day xx
    At LBM DFD was Dec 2024
    £50,820.17/£50,183.55 ~ 29/09/2017
    ~ 1.25% Paid

    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 2nd Oct 17, 12:50 PM
    • 6,075 Posts
    • 20,405 Thanks
    kindofagilr
    Good afternoon all, I am tucking into leftover sunday dinner for my lunch at work

    Week one weigh in and I lost 4lbs!!!! Woo hoo xx
    At LBM DFD was Dec 2024
    £50,820.17/£50,183.55 ~ 29/09/2017
    ~ 1.25% Paid

    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 22nd Oct 17, 1:08 PM
    • 6,075 Posts
    • 20,405 Thanks
    kindofagilr
    Hello everyone, sorry for lack of updates, I have been so so so so poorly, I had flu and felt like I was dying for like 7 days!! I am still 2 weeks later having trouble with my sinuses, so I have bought a nose spray thing cos nothing else is helping, and my cheeks are in so much pain.

    How is everyone doing?

    We have ordered our Christmas food from M+S, not very MSE I know but I love Christmas Day and I go a bit mental we have ordered their turkey gravy and beef gravy, a turkey crown, a venison joint with plum and sloe gin stuffing, pork and caramelized onion stuffing balls wrapped in bacon, and pigs in blankets, and then for pudding raspeberry and prosecco panna cotta terrine, and macaroons
    I will get the rest of the dinner from asda (so stuff for mash, and roast potatoes, yorkshire puddings, broccoli, sprouts, parsnips etc)

    And I have done 80% of my christmas shopping yay!!! I need to get some things for hampers that I am doing, then I need to start wrapping, I need to check if I have enough paper left from last year or not

    Plodding along with the debt, just paying minimums at the min.

    I am off to Leeds for the night on friday to see Michael Malarkey in concert (he played Enzo in the vampire diaries if you watched that) he has a lush singing voice and his new album just came out.

    Hanson's new christmas album comes out on friday, I am soooooooo excited about that, been waiting 20 years for another one

    I am currently cooking gammon for tomorrow night's tea, and tonight we are having chicken jambalaya, I love it!!

    I hope everyone is having a good weekend xx
    At LBM DFD was Dec 2024
    £50,820.17/£50,183.55 ~ 29/09/2017
    ~ 1.25% Paid

    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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