Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • dipdap
    • By dipdap 1st Oct 14, 1:22 PM
    • 6,090Posts
    • 88,487Thanks
    dipdap
    Working towards being debt free, a new house and now beyond!
    • #1
    • 1st Oct 14, 1:22 PM
    Working towards being debt free, a new house and now beyond! 1st Oct 14 at 1:22 PM
    This could be a long post with a lot of rambling as I'm not sure where to start.

    Me and DH currently owe £26,059 (I know right down to the penny what we owe ) and are working our backsides off to clear it all away
    This is only a fraction of what we originally owed. I've decided to post on here (it's taken me 18 months since I joined mse to finally feel confident enough to write everything down on here) as I need it to serve as a reminder to me to keep ploughing through this debt as we both really want that end goal.

    I'll start at the beginning way back in 1999.
    We did as many people have in their twenties and ignored our parents advice and spent money we didn't have. I finally realised the extent of our debt when i signed up to check our credit reports in 2009 (for both me and DH) and saw in black and white the amount we owed. My memory is a little hazy but a recent calculation has set the figure at £68,000 in early 2009. This was the peak of our debts and i was a figure I've been scared to utter for many years since. Nobody knows exactly how bad we were, just me and after a few months DH (I initially kept it to myself while i tried to get my head round everything).
    Like many other people I have no idea where some of it has gone (3 brand new cars over the years account for quite a bit).
    On top of that we have a house which was bought for £30,000 many years ago and after remortgaging a few times (yes I know how stupid it was) the mortgage ended up at £100,000

    Seeing this written down makes me feel sick but I've felt the need to post it here to serve as a reminder to myself and DH that we will not make the same mistake again down the line.
    I set myself up a spending diary in January 2013 (back then it was a little notebook, today I have a 2014 diary) which documents every penny we spend and all money that comes in.
    I've just totted up how we've handled our debt in the last 5 years (using the free to access credit report)
    *edited to include a couple more years *

    2009 = £63600
    2010 = £62200
    2011 = £55200
    2012 = £47900
    2013 = £37600
    2014 = £26000
    2015 = £7520
    2016 = £2500

    In the last couple of months we've had an agreement in principle on the mortgage for the new house we want to buy (new build, not very mse i know) and we have about £38k in equity in this house, so the new mortgage is on the proviso that we clear all our debts before we move (I know a mortgage shouldn't be used to clear debts, but we're happy to go down that route as any spare money when we move will be used to overpay and bring down the balance).

    Sorry for rambling, we have gone it alone in clearing off the debt, I've posted on here as money recently has become less tight as monthly commitments have been removed. I don't want us to become complacent, we can keep working on this debt

    I wish I'd posted this at the start of last year, but at the same time I just couldn't bring myself to write it down
    Last edited by dipdap; 05-01-2017 at 10:50 AM. Reason: Adding new figures
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
Page 36
    • abba1772
    • By abba1772 29th Jan 18, 8:06 AM
    • 4,335 Posts
    • 14,240 Thanks
    abba1772
    Go for it it's giving you plenty of time to pay it off xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2944.72
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £1874.24
    • dipdap
    • By dipdap 29th Jan 18, 12:58 PM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Morning diary
    One of the kids is obsessed with Hamilton the musical, so I tried to book tickets at lunchtime when they went live.
    Tried different dates and was first offered tickets for £37 odd near the back up in the Gods. Probably should have booked them but don't think they'd have seen a lot from up there!
    Tried different dates but to no avail, I can't justify paying £100 each for 2 people to go see a show. I would buy the mid range ones at £57 odd but they were sold out already
    Hopefully I don't have a miserable teenager on my hands tonight.
    Will put the saving towards our Disneyland trip
    I'm off to the travel agents to go see what price they quote me

    Hey Abba I agree, we have plenty of time ahead of us and hopefully we can do a payment plan with the agents (I know they offer one)
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • dipdap
    • By dipdap 31st Jan 18, 9:41 AM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Morning diary
    Holiday is booked
    Costing us an arm and a leg though
    Deposit was over £300 and then there's a payment each month of £200 starting March and ending before Christmas (so at least it's all paid up for the end of the year).
    Got to add on top the half board option which is only available to book and pay in a couple of months but that's £700 alone
    You kind of have your hands tied with that as they no longer give you free breakfast in the hotels
    But we're staying in the resort and the older kids are excited already despitethere being over a year until we go
    Luckily we've got this years holiday to look forward to first

    Better schedule me and OH some overtime for the next year!
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • dipdap
    • By dipdap 1st Feb 18, 10:41 AM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 4
    Number of cars owned.................... 2

    Monthly Income Details

    Monthly income after tax................ 540
    Partners monthly income after tax....... 1900
    Benefits................................ 208
    Other income............................ 0
    Total monthly income.................... 2648


    Monthly Expense Details

    Mortgage................................ 900
    Secured/HP loan repayments.............. 110
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 165
    Electricity............................. 70
    Gas..................................... 30
    Oil..................................... 0
    Water rates............................. 25
    Telephone (land line)................... 15
    Mobile phone............................ 27
    TV Licence.............................. 13
    Satellite/Cable TV...................... 0
    Internet Services....................... 25
    Groceries etc. ......................... 400
    Clothing................................ 50
    Petrol/diesel........................... 150
    Road tax................................ 5
    Car Insurance........................... 50
    Car maintenance (including MOT)......... 45
    Car parking............................. 50
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 30
    Medical (prescriptions, dentist etc).... 12
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 10
    Contents insurance...................... 5
    Life assurance ......................... 150
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 30
    Entertainment........................... 50
    Holiday................................. 190
    Emergency fund.......................... 0
    Lottery................................. 18
    Boxing.................................. 33
    Sports club............................. 25
    Dance club.............................. 52
    Total monthly expenses.................. 2785



    Assets

    Cash.................................... 0
    House value (Gross)..................... 250000
    Shares and bonds........................ 9000
    Car(s).................................. 12000
    Other assets............................ 0
    Total Assets............................ 271000



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 163000...(900)......3
    Hire Purchase (HP) debt ...... 5500.....(110)......0
    Total secured & HP debts...... 168500....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Vcard..........................6670......60....... .0
    Bcard..........................1300......20....... .0
    Total unsecured debts..........7970......80........-



    Monthly Budget Summary

    Total monthly income.................... 2,648
    Expenses (including HP & secured debts). 2,785
    Available for debt repayments........... -137
    Monthly UNsecured debt repayments....... 80
    Amount short for making debt repayments. -217


    Personal Balance Sheet Summary
    Total assets (things you own)........... 271,000
    Total HP & Secured debt................. -168,500
    Total Unsecured debt.................... -7,970
    Net Assets.............................. 94,530


    this does not look good!
    In need of much tweaking (and overtime!)
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • dipdap
    • By dipdap 1st Feb 18, 12:32 PM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Hello diary
    Well I took a deep breath and did a quick SOA (shown above obviously )
    I've since noticed it's missing a couple of things so figured I'd jot them down here and add them in when I recalculate.

    Arts club £5 pw in term time only.
    Vaping £30 pm - smoking seems such a distant memory!
    Driving lessons £125 pm

    Self employed income is also missing as it's so variable.

    Need to have a good think over the weekend as to how we can balance everything
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • dipdap
    • By dipdap 2nd Feb 18, 9:49 AM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Good morning diary.
    Well today I've had a LBM and I feel like I've been hit by a train!
    I'm petrified of writing out a new SOA because I don't want to read what it has to say.
    I haven't written my base salary on the SOA, I've included overtime (I'm contracted a few hours a week and have been trying to do 15 hours flexi overtime a week since I started this new job) - my base salary after deductions is due to go down to nearly zero (I have savings and other deductions that come out of my wages)
    I think I've become complacent and forgotten that overtime doesn't last forever (when I came to the new job I was told I'd be offered overtime first and getting it wouldn't be a problem - manager has now gone - me and new manager don't exactly see eye to eye).
    I've applied for a new job (7 hours a week, different hours to what I'm currently contracted), interview is on Wednesday
    OH says I'm better than my job and I think he'd be happy if I applied for an office job (I very nearly did recently) but my current job fits around the kids and school run and the flexibility works well for us.
    I need to pull my head out of the sand and write up a brutally honest SOA.
    I'm sure there's places we can reign it in a bit. It's going to be a tight year this year.
    Maybe that holiday we've now booked wasn't such a good idea!
    Big deep breath, cup of tea and walk away from laptop for half an hour, then come back and re-read everything that has just tumbled out on here and hopefully the world won't come to an end!
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • dipdap
    • By dipdap 2nd Feb 18, 11:17 AM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Well 3 cups of tea, a long bout of crying and a catch up on Eastenders and I now feel much better
    Will re-write the SOA over the weekend.
    I think child benefit stops the August after they leave school so that figure should be just under £60 a month higher until then.
    We're currently paying back HMRC £50 for over payments of tax credits and that should come to an end in April (but I forgot to include that on the SOA so that cancels that out)
    Council tax payments don't start again until April.
    The mortgage is currently set to over pay by £100 a month so that could always be dropped back down again.
    OH bonus comes in at the end of March but that's expected to be really low.
    Electricity and gas is calculated each month so goes down over the Summer. The figure on the SOA is based on the worst month (usually January)
    Survey income isn't calculated on here. I currently get paid in visa gift cards I then use to pay my landline and internet bill.
    I also haven't included the savings jar we have in the kitchen (mainly because it's sealed, I only have a rough idea of what's in there and it's there for absolute emergencies)
    I've also missed OH union payments each month
    Our assets figure is too high because I've forgotten to add the HTB on as a second debt on the house.

    So, what is my current plan of action.

    1 - Reign in the spending a bit more.
    Luckily nearly all the direct debits come out on the 1st of the month so they won't bounce. I might contact the last remaining ones that appear later in the month and get them moved.
    Also might see what I can do with the groceries figure. Might have a bit of wiggle room there.
    Life insurance includes critical illness cover which is why it's so high. Don't think there's much I can do with that.

    2 - Concentrate on earning extra
    Looks like I need to up my game on my self employed income.
    I've had a week or so off work and have lacked any motivation to do anything towards this

    3 - Lose weight!
    Nothing to do with my SOA but I stood on the wii fat yesterday and I now weigh 15st 9lb
    I was a good girl yesterday and had no biscuits or chocolates!
    Must keep up the good work

    Right - big deep breath again.
    Everything will be fine, there's still time to turn this around
    Last edited by dipdap; 02-02-2018 at 11:19 AM.
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • dipdap
    • By dipdap 3rd Feb 18, 7:59 PM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Hello diary
    I'm much calmer today after my meltdown yesterday
    Spoke to OH about what was worrying me and we've worked out things are going to be tight for about 9 months (start of March to end of November) which actually makes things much easier for me to get my head around (I'll treat it like a 9 month countdown to Christmas )
    We've hopefully got bonuses coming in on and off over the next few months which should help out a little bit (keeping fingers crossed they're good figures).
    Also there is still always the option of putting the holiday we've booked on the credit card at 0% (which is a very last resort for me - it's right up there with using my overdraft!)
    Big deep breath, things will be OK. We've got a month to bring in some extra cash to give us a buffer before things start to get tough
    Let the belt tightening commence.
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • abba1772
    • By abba1772 4th Feb 18, 9:17 AM
    • 4,335 Posts
    • 14,240 Thanks
    abba1772
    Glad your hubby came to the rescue and provided fresh eyes to your finances sometimes it does help seeing someone else's point of view xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2944.72
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £1874.24
    • dipdap
    • By dipdap 4th Feb 18, 8:43 PM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Hello diary
    Cheered myself up today, weighed myself on the wii fat and I've lost 2 lbs
    I've been a bit naughty over the weekend and have had a few choccies and some biscuits but it's an improvement in the junk food I've been eating non stop for ages.
    Would be nice to get down below 15st by he end of the month
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • abba1772
    • By abba1772 4th Feb 18, 9:50 PM
    • 4,335 Posts
    • 14,240 Thanks
    abba1772
    Hello diary
    Cheered myself up today, weighed myself on the wii fat and I've lost 2 lbs
    I've been a bit naughty over the weekend and have had a few choccies and some biscuits but it's an improvement in the junk food I've been eating non stop for ages.
    Would be nice to get down below 15st by he end of the month
    Originally posted by dipdap

    Well done keep it going you can do it xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2944.72
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £1874.24
    • dipdap
    • By dipdap 6th Feb 18, 9:49 AM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Morning diary
    Well I was a naughty girl yesterday and had some biscuits and a couple of chocolates (but did go for a quick walk afterwards).
    Have had 2 chocolates this morning to treat myself as needed cheering up.
    I have my interview Wednesday so going to get my hair cut today so I look nice and smart
    Need to work out how much money is left for the rest of the month.
    Would like to have a nice buffer in the bank to set us up for next month. Would be nice to start these challenging months with some money spare
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • dipdap
    • By dipdap 7th Feb 18, 10:22 AM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Morning diary
    Interview time!
    Been practicing in my head the questions I think they will ask.
    Just chilling out now with a cup of tea, trying to calm my nerves
    Back later
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • abba1772
    • By abba1772 7th Feb 18, 12:23 PM
    • 4,335 Posts
    • 14,240 Thanks
    abba1772
    Good luck for your interview fingers crossed for you xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2944.72
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £1874.24
    • dipdap
    • By dipdap 7th Feb 18, 1:24 PM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Interview went well. Feedback from it was good and constructive.
    No job for me but I'm pretty upbeat
    Onwards and upwards, there's always next time
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • abba1772
    • By abba1772 7th Feb 18, 2:43 PM
    • 4,335 Posts
    • 14,240 Thanks
    abba1772
    Aww boo to you not getting the job but I'm glad you're ok with it xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2944.72
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £1874.24
    • dipdap
    • By dipdap 8th Feb 18, 9:25 AM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Morning diary
    Thanx Abba, onwards and upwards to the next job I apply for!
    Right, today I'm trying to stay focused and get things done (I swear I can do this! )
    Jobs for today

    Vacuum the house from top to bottom
    Catch up with my backlog of paperwork
    List stuff for sale online, because they won't sell if people can't see them!
    Do 3 runs of washing
    Fill and run the dishwasher

    Lets see how many I can get done
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • dipdap
    • By dipdap 9th Feb 18, 9:39 PM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Good evening diary
    Just been on the wii fat and I've lost another 1lb.
    Thats 3lb lost already need to keep that ball rolling.
    Half term with the kids now, need to work out how to spend very little money for the week on activities.
    Got most of my list done yesterday, think the last bits will take me the next week to do.
    Night night!
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • dipdap
    • By dipdap 10th Feb 18, 12:49 PM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Morning diary
    Just checked how much we have in savings and we've gone over the 10k mark
    Still got a way to go until the savings overtake our debts but we will get there.
    Credit card seems to have sky rocketed this month but we can deal with that.
    One of the 0% balance transfers is coming to an end so it looks like I need to do a credit card shuffle. Luckily I'm being offered 0% for a year with 2% fee. I think I can cope with that
    Better get on, got paperwork I'm meant to be dealing with!
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • dipdap
    • By dipdap 12th Feb 18, 7:39 PM
    • 6,090 Posts
    • 88,487 Thanks
    dipdap
    Week 1 - Day 1

    Hello diary
    Well I've decided today is the start of our long slog through until the end of the year.
    Start as I mean to go on
    I've managed to get a fair amount done today.
    Got bits listed for sale so hopefully that should bring some money in.
    Went to the charity shop and got a few good bits. 3 tops for me, coat, t-shirt and an adidas jumper for the youngest and a couple of books. Total cost £16 (not bad!). Coat was the most expensive at £4
    Going to have another look on Friday to see if there's any more good stuff been put out.
    Trying to spend as little as possible on clothes. Unfortunately new shoes for work set me back £28 costs a bit more than I'd like but at least my feet don't hurt each day!
    Better get the kids ready for bed.
    Cya tomorrow
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2018 # 102 = £700 / £7,000 10% paid
    Saving for Xmas 2018 = PP £20 TCC £121 Amazon £0
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,350Posts Today

9,267Users online

Martin's Twitter