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  • FIRST POST
    • kindofagilr
    • By kindofagilr 24th Mar 14, 4:43 PM
    • 6,113Posts
    • 20,533Thanks
    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
    Real LBM in DEC 17 £56,706.79/£55,572.63 as of 19/01/18

    POAMAYC 2018 #87 PD £1134.46/£12,000
    POAMAYC 2017 #87 PD £10,380.18/£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/£86,118.00 (as of 31/12/17) ~ 17.51% Paid

    My Debt Free Diary (Link)
Page 39
    • monz
    • By monz 12th Jan 18, 9:10 AM
    • 2,903 Posts
    • 8,802 Thanks
    monz
    omg!!!!!! thats awful!!! xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 10/30 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 0/30
    holiday - £678.24/1064.72
    • kirtsypoos
    • By kirtsypoos 12th Jan 18, 9:21 AM
    • 3,211 Posts
    • 14,243 Thanks
    kirtsypoos
    Oh no kindofagilr, how awful for you - and how ridiculous that they won't speak to you about a joint account!!

    Hope all gets sorted ASAP for you xx
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,900.00 (2017/2018 O/P £2877.06) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £1031.66/£4000
    • kindofagilr
    • By kindofagilr 13th Jan 18, 10:56 AM
    • 6,113 Posts
    • 20,533 Thanks
    kindofagilr
    Morning all, well OH spoke to the bank the other day, and they said they will refund it if it goes (as it is in the pending netherspace) so annoying tho cos even though it hasn't technically gone yet, it isn't in our account, so if the in laws hadn't managed to put money in for us we would have had two DD's bounce on friday!!!!

    Not much planned today, some washing to do, and the kids are at swimming at 1, we need to dig up the bushes at the side of the house, but it's far too cold today lol

    Have a good day all xx
    Real LBM in DEC 17 £56,706.79/£55,572.63 as of 19/01/18

    POAMAYC 2018 #87 PD £1134.46/£12,000
    POAMAYC 2017 #87 PD £10,380.18/£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/£86,118.00 (as of 31/12/17) ~ 17.51% Paid

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 14th Jan 18, 3:33 PM
    • 6,113 Posts
    • 20,533 Thanks
    kindofagilr
    Afternoon everyone, what a busy afternoon I have had! We are having Vension for sunday dinner, so I have that in the oven, I have prepped all the veg for dinner, so that's ready to go. I also prepped the veg for Beef Stroganoff (monday night tea, and tuesday lunches cooked in slow cooker) and the veg for Cottage Pie (tuesday night tea and wednesday lunches cooked in slow cooker) so it means I won't have to chop it all at 6am the morning we eat it, before going to work

    Then on monday night we have mash with the stroganoff, so when I am making that I will do double for the top of the cottage pie on tuesday

    We haven't started chopping the bushes down yet, oops lol

    Have a good day all xx
    Real LBM in DEC 17 £56,706.79/£55,572.63 as of 19/01/18

    POAMAYC 2018 #87 PD £1134.46/£12,000
    POAMAYC 2017 #87 PD £10,380.18/£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/£86,118.00 (as of 31/12/17) ~ 17.51% Paid

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 16th Jan 18, 12:59 PM
    • 6,113 Posts
    • 20,533 Thanks
    kindofagilr
    Hey everyone, how are you all doing?

    I'm feeling a bit deflated, I hate this time of the month, I just want all the statements in so I can add up how much we have paid off!

    Just checked the bank and the money didn't go, so that's showing as in our account now, so need to pay the inlaws back the £440 they put into our account lol (shame haha)

    I've got cottage pie in the slow cooker today, so I am looking forward to that for tea

    Have a good day all xx
    Real LBM in DEC 17 £56,706.79/£55,572.63 as of 19/01/18

    POAMAYC 2018 #87 PD £1134.46/£12,000
    POAMAYC 2017 #87 PD £10,380.18/£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/£86,118.00 (as of 31/12/17) ~ 17.51% Paid

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 17th Jan 18, 1:45 PM
    • 6,113 Posts
    • 20,533 Thanks
    kindofagilr
    Afternoon all

    How are we all today?

    I've just done my menu for the week ahead:
    Breakfast's - Crushed up weetabix mini with yogurt and fruit steeped overnight, I will have that every day, made the night before, I dont work thursday - sunday and I am so bad for not eating and then eating loads of crap from tea time

    Lunches, monday and wednesday is boiled potatoes, tuna/salmon and salad, tuesday leftover campfire stew, and wednesday - saturday mini quiches with salad

    Dinner/tea
    Kebab chips and pitta, campfire stew, fish chips and peas, curry rice and poppadoms, enchilladas, curry and chips, sweet ginger chicken

    I am hoping this helps me stop eating rubbish lol

    Have a good day everyone xx
    Real LBM in DEC 17 £56,706.79/£55,572.63 as of 19/01/18

    POAMAYC 2018 #87 PD £1134.46/£12,000
    POAMAYC 2017 #87 PD £10,380.18/£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/£86,118.00 (as of 31/12/17) ~ 17.51% Paid

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 18th Jan 18, 10:00 AM
    • 6,113 Posts
    • 20,533 Thanks
    kindofagilr
    Morning all, it's freezing!!!!!!!!

    We have a little bit of snow, but by the time I had done the school run and was walking home it was turning into slush and then ice

    Housework and washing day for me, mam always comes over for a coffee as well she doesn't work a thursday either then that takes up my whole day!

    Hoping to get some more crochet done, I am making myself a hat

    Have a good day all xx
    Real LBM in DEC 17 £56,706.79/£55,572.63 as of 19/01/18

    POAMAYC 2018 #87 PD £1134.46/£12,000
    POAMAYC 2017 #87 PD £10,380.18/£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/£86,118.00 (as of 31/12/17) ~ 17.51% Paid

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 19th Jan 18, 10:31 AM
    • 6,113 Posts
    • 20,533 Thanks
    kindofagilr
    Morning all, statements are in, and I am pleased to say we have paid £871.46 off the debt and £263.00 off the mortgage in January

    Really pleased with our start.

    Bad news is, OH mentioned to me he had snapped something off the hoover the other day but it should still work, well no it doesn't, there's a massive gaping hole in it and it has no suction! Grr, so we need a new hoover now.

    Loads of ice on the paths and roads was hard walking to school this morning, the house is freezing the heating is struggling to warm the house up

    Have a good day all xx
    Last edited by kindofagilr; 19-01-2018 at 10:39 AM.
    Real LBM in DEC 17 £56,706.79/£55,572.63 as of 19/01/18

    POAMAYC 2018 #87 PD £1134.46/£12,000
    POAMAYC 2017 #87 PD £10,380.18/£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/£86,118.00 (as of 31/12/17) ~ 17.51% Paid

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 23rd Jan 18, 2:04 PM
    • 6,113 Posts
    • 20,533 Thanks
    kindofagilr
    Afternoon all

    How is everyone doing? the snow and ice is finally melting (which is good as my new boots (from everything is £5) have given me blisters on my little toes, I think they need breaking in some more lol)

    I am doing really well with No spend days, Since I came back to work on the 9th I have only ever spent £1 a week and that is on Tuesday when I buy a bingo ticket at work (Wednesday is bingo day)

    OH is doing well as well, we had fallen into the habit of him whinging for subway/mcdonalds for lunch and me letting him, so he has a mix of sarnies made by me and asda ready meals (while they aren't super cheap, they are 3 for £6 they are cheaper than take out) now, and is doing well on that, I am having salads or I bring leftover dinner for me (campfire stew and mash today)

    We had also fallen into the habit of the kids having kfc or mcdonalds after their swimming lessons on saturdays but a couple weeks ago I got fries, popcorn chicken, chicken fillets and mini frozen cobs from asda and now they have "fake" kfc on a saturday as a treat after swimming lessons, it's fab, and costs about £2.50 for both kids instead of £10 ish for both kids, they love it, so that's good

    I do find this time of the month tedious cos there isn't much updating debt wise going on, but hey ho

    We are off to London in 47 days for walker stalker convention, we have £300 saved so far, but I would like £600-£700 we won't spend much at the convention (as we have pre purchased the photo ops we want) but we are in London for 4 days/3 Nights so need to feed ourselves and have tube money etc, I don't want to be in London and have to be penny counting, plus the kids are guilting me cos they are going to miss me (they are staying home with grandparents) so I want to bring them some sort of present back so OH has been getting some things out that he wants to ebay, and I (when I was sorting toys out pre christmas) have been gathering all the kids Happyland toys and will be putting them on ebay (they resell well apparently) so I need to push OH to get his listed, or at least write the descriptions up for me so I can list them for him

    Nothing much else to report, have a good day all xx
    Real LBM in DEC 17 £56,706.79/£55,572.63 as of 19/01/18

    POAMAYC 2018 #87 PD £1134.46/£12,000
    POAMAYC 2017 #87 PD £10,380.18/£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/£86,118.00 (as of 31/12/17) ~ 17.51% Paid

    My Debt Free Diary (Link)
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