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  • FIRST POST
    • Baldybear
    • By Baldybear 24th May 16, 10:06 AM
    • 1,604Posts
    • 3,169Thanks
    Baldybear
    Thanks Mum this is for you...single gal, a pony and a mission to beat the mortgage
    • #1
    • 24th May 16, 10:06 AM
    Thanks Mum this is for you...single gal, a pony and a mission to beat the mortgage 24th May 16 at 10:06 AM
    Good morning world

    As the title of the diary this is me a single gal, a pony and a mission to beat the mortgage.

    Have had lots of diaries before on the DFW board but have managed to get free, have had so many changes in my life that am hoping to go on an upward trend now and beat my mortgage into submission.

    So brief history....am 38, have a horse and a hamster I bought my current house with my ex, we split up and he has moved on but was trying to buy him out this started June 2014...roll forward to october 2015 and my mum suddenly got very ill, diagnosed with terminal cancer and died within 2 weeks So from then until now has been 6 months of pure hell. Everything that could have been thrown at my family has, this includes major injury for the hoss 10 days after my mum died resulting in 5 stitches and £1200 vet bill, my dad having a fall, worries about dad and current living situation and then him being diagnosed with Alzheimers, just to name a few.

    A lot has gone on, but we have sold my dads house, sold my sisters house and my dad is now living in a larger property with my sister, her hubbie and 6 year old boy. Just moved in a few weeks ago but hopefully life will settle down.

    The upside to this all is that dad gifted me part of the money from his estate which enabled me to become debt free (earlier although was working on it quite well), it also enabled me to buy my ex out, decrease the mortgage enough to take on myself.

    So now we are here today Today is a special day to start this diary as it is my mums birthday, she would have been 71 today, so this forward venture in my life is dedicated to mum
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
Page 7
    • mfmaybe
    • By mfmaybe 21st Sep 16, 8:53 PM
    • 750 Posts
    • 2,434 Thanks
    mfmaybe
    Hi BB,

    I've been reading but not had time to post. Sounds like there has been a lot going on a major things to mull over. But you're working your way through them and will make good decisions I'm sure.

    Quick one on the redundancy - any reason why it wouldn't be 100% tax free? Pretty sure it's all tax free up to £30k regardless of salary. Just a thought.

    Hope all is well with the horse and that the job situation ends up whichever way you'd prefer it!
    Credit card 0% Highest £6354.82 now £2974 53.2% paid. Pay by Jan 17

    Other debts paid since 1/1/14: £10,650
    • Baldybear
    • By Baldybear 22nd Sep 16, 10:43 AM
    • 1,604 Posts
    • 3,169 Thanks
    Baldybear
    Hi BB,

    I've been reading but not had time to post. Sounds like there has been a lot going on a major things to mull over. But you're working your way through them and will make good decisions I'm sure.

    Quick one on the redundancy - any reason why it wouldn't be 100% tax free? Pretty sure it's all tax free up to £30k regardless of salary. Just a thought.

    Hope all is well with the horse and that the job situation ends up whichever way you'd prefer it!
    Originally posted by mfmaybe
    Hello, thanks for dropping by, re the tax redundancy only going by what the gov website says as they way its going the company is going under so would only get the statutory redundancy pay from the government, maybe worth a bit more investigation.

    At the moment just feel a bit blah with the world, new beginnings/endings and timing is just weird.

    On one hand new beginnings, finally got rid of ex and all his stuff and house in my name so thats great.

    New endings possibly the job (more than likely) but its not yet and it is just a waiting game, to be honest want to all over with so can move on, just feel in limbo.

    Time of year - it was about this time last year that mum started to get ill, although at the time we thought it was just a tummy bug, so did she I believe too and hey less than 2 months from now and it will be a year since she died.

    Maybe am feeling so so with the world, as well as with the uncertainity of the job, plus worries about dad has all brought it back to me about how quick things happened with mum and how I never got to talk to her properly, all the things you can talk about when you know someone is dying, the past, the shared history, things you never knew about them. I never got that chance as the process was so quick. Also how much I miss the conversations, random chat, unrivalled support I got from her, just that life in the last year has had so many ups and downs and now with the job just feeling a bit lost with myself

    Onto boring everyday news, NSD yesterday, NSD today planned, may start looking at holidays soon, although with the who knows maybe its worth waiting a week or so, bah! Booked my chimney sweep to come and do annual clean for saturday £50, not in budget but can come out of £100 misc budget I have each month so thats ok.
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Mrs Money Penny
    • By Mrs Money Penny 22nd Sep 16, 12:38 PM
    • 699 Posts
    • 6,183 Thanks
    Mrs Money Penny
    Dear Baldybear
    I know and fill with you the loss when you loose you Mum. It was a year last week that I lost my Mum and it is still so raw. We had moved into a house with an Annex for Mum and I had wished for a few good happy years together. Unfortunately life doesn't turn out as you dream of and sadly as soon as she moved in with us she was diagnosed with cancer. Her health declined and although unlike you I had time with her there were still things that either I couldn't feel I could ask or things I forgot to ask.
    The Anniversary of that day the trumatic events that occurred with no doubt live with me for the rest of my life. I feel very lost myself still. I am slowly getting back to health as I was diagnosed with cancer the day after Mum died.
    Basically try thinking more of the happy times you shared together. The pain will be there for a long time but I'm sure that like myself we couldn't have done anymore for our Mums than we did. Once we take that on board I think it helps. Lots of love Mrs M
    MFIT T4 40
    MFIT Challenge save £40k
    2016 savings £12k
    • Baldybear
    • By Baldybear 23rd Sep 16, 10:26 AM
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    • 3,169 Thanks
    Baldybear
    Dear Baldybear
    I know and fill with you the loss when you loose you Mum. It was a year last week that I lost my Mum and it is still so raw. We had moved into a house with an Annex for Mum and I had wished for a few good happy years together. Unfortunately life doesn't turn out as you dream of and sadly as soon as she moved in with us she was diagnosed with cancer. Her health declined and although unlike you I had time with her there were still things that either I couldn't feel I could ask or things I forgot to ask.
    The Anniversary of that day the trumatic events that occurred with no doubt live with me for the rest of my life. I feel very lost myself still. I am slowly getting back to health as I was diagnosed with cancer the day after Mum died.
    Basically try thinking more of the happy times you shared together. The pain will be there for a long time but I'm sure that like myself we couldn't have done anymore for our Mums than we did. Once we take that on board I think it helps. Lots of love Mrs M
    Originally posted by Mrs Money Penny
    Thank you so much for such kind words, in what I can imagine is still a crap time for you too. I am so pleased to hear that you are slowly regaining your health, there will always be hole in my life where mum was, like you say there would never have been enough time to ask all those questions. Just need to focus on the positives and get there somehow

    NSD ruined yesterday as bought an e-book on special offer on amazon, 99p but used voucher received so in theory a NSD but not counting it.

    So of out at lunchtime today to take dad to check out the day centre, hopefully that will work out ok. Sun is shining so thats all good too

    Payday today, so budget is £1582, have £1589 so tight but do-able, this does include the £600 to savings though so thats all good. Chimney sweep booked in tomorrow, annual cost £50 but need it for insurance and the guys are great. There is also a fun pony show/BBQ at the yard tomorrow afternoon. May take my pony into the handy pony show be good fun, its £10, have £15 in my purse from cash4clothes so could afford it, but it would be nice to put that money away for something else. Wait and see about tomorrow see how it pans out on the day.
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Baldybear
    • By Baldybear 27th Sep 16, 10:12 AM
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    • 3,169 Thanks
    Baldybear
    Good morning

    So weekend went well. Friday took dad to local day centre run by Alzheimers society, had a great feeling, he is going to do 2 days a week, monday and friday 10 till 4, includes lunch plus afternoon tea/cake etc, activities and a chance to socialise. First day yesterday and from what sister got out of dad seemed ok. She is picking him up friday afternoon so can do better assessment, but looks ok

    Saturday chimney sweep round so set for winter, still have loads of coal and quite a lot of wood (still burning my old fence) so shouldnt need to get any more so no extra cost, definitely saves on the heating. Spent a few pennies and bought some sausages and then sister and nephew round and went to yard BBQ, didnt end up taking hoss in, saved some pennies, but nice social afternoon. Ordered monthly food shop too and came on sunday, all cupboards/freezer stocked up but not made and am definitely making progress on the budget there and making the best use of it.

    Sunday didnt spend a penny, went out in the afternoon for a walk round back of where I live, lovely nature reserve, sun was shining

    So over the weekend have also been sorting/tidying my house KM style, have done great so far, completed all clothes, bedding, towels, all of kitchen and half of diy/household bits. House definitely looks tidier and neater as a result. I think there are 2 reasons I am doing this, one so pleased finally that ex's stuff has gone and he was such a hoarder it has definitely made me realise I never need half the stuff I have and never want to be like he was. Secondly I think with all the uncertainity over the job recently and the what if's, that I need some sort of order in my life, so for now its the house, which isnt a bad thing.

    So NSD yesterday, should be again today too. Another £10 amazon voucher from survey site has landed so have just under £30 to put towards Xmas or the like
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Baldybear
    • By Baldybear 28th Sep 16, 12:15 PM
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    • 3,169 Thanks
    Baldybear
    Good afternoon

    Low spend day 40p on car parking taking dad to hearing aid appointment this morning, all went well so thats great.

    £3 received from survey site so has been sent to rental fund to re-pay monies there.
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Baldybear
    • By Baldybear 29th Sep 16, 10:55 AM
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    • 3,169 Thanks
    Baldybear
    Good morning

    Judgement day today, waiting for notice of an account agreement, today hopefully will know whether my job is safe or not, still probably be here for a few weeks or so, watch this space. At the moment putting off booking a holiday yet, still plan on going, have savings, just may go for longer than a week if goes pear shaped, if still have a job will be a week due to holiday allowance. Meantime letting me save a bit more.

    2 good evenings last few nights and have nearly cleared my field of poo, hoping, although raining now, will be dry later and then maybe it will be done, then to keep on top of it. Good exercise too for the weight loss.

    Some more pennies redeemed from survey sites, at the moment am £274 short on rental fund so this needs to be built up before spare money can go elesewhere. Have £33 due so thats a good start. Must do some more ebaying too. Other funds all have standing orders going to them each month so they build up on their own.
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Watty1
    • By Watty1 29th Sep 16, 2:58 PM
    • 2,490 Posts
    • 17,593 Thanks
    Watty1
    Fingers crossed for job news ....
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Baldybear
    • By Baldybear 3rd Oct 16, 2:35 PM
    • 1,604 Posts
    • 3,169 Thanks
    Baldybear
    Morning

    So job news looks like a foregone conclusion, probably be a few weeks, keeping head down and carrying on for now. Doing a bit more research and looks like I should get paid my notice period as well as redundancy pay so in theory looking at a pay out of just over £11k, not sure if thats all taxable but whatever will be will definitely be great.

    Aim is to not to work full time until after new year so have few months to take stock of life, help out with dad and nephew, have a holiday. Watch this space as they say. Definitely putting off booking a holiday so probably go away end november/december, again watch this space.

    So good weekend again, friday had afternoon off, had farrier, cleared some more poo of field, had nephew to stay overnight. Saturday sister was meant to be doing sky dive (in aid of hospice mum was at) but was cancelled last minute due to weather, re-arranged for a few weeks time. Took dad to flu jab and social do at church, spent a few pennies buying cookies for nephew and then sat with sister and did mum's scrapbook, cards and random musings we had from funeral and when she was poorly, nice to have it all finished. Sunday didnt spend a penny, finished clearing my field of poo, picked and prepped loads of strawberries and beans, still more growing (really pleased with them ).

    Had 12 NSD in september, thats ok. Mortgage out today so a few pennies knocked off, standing orders of £600 out today to various savings accounts so they are all looking healthier today. Waiting for interest on savings to land tomorrow.
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Watty1
    • By Watty1 3rd Oct 16, 2:51 PM
    • 2,490 Posts
    • 17,593 Thanks
    Watty1
    Sounds good. I am about to pay someone to clear the field of poo. Always in awe of people who manage to keep on top of theirs. It wont take her long as she can use the poover (poop hoover) but I just cant see how I can get to it this week and the field is really looking a mess here.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Baldybear
    • By Baldybear 4th Oct 16, 11:26 AM
    • 1,604 Posts
    • 3,169 Thanks
    Baldybear
    Sounds good. I am about to pay someone to clear the field of poo. Always in awe of people who manage to keep on top of theirs. It wont take her long as she can use the poover (poop hoover) but I just cant see how I can get to it this week and the field is really looking a mess here.
    Originally posted by Watty1
    Would be great having a poover, but good old wheelbarrow and fork here, least it burns the calories (any excuse for cake ) There is 4 horses in our field, 2 on full livery so only 2 of us clear it as the yard owner has more than enough so ideally needs a wheelbarrow a day which isnt always possible, but now its cleared need to keep on top of it, harder in the winter but determined to do it.

    So money wise interest has been applied to various accounts £1.50 over all, wow so rich

    Expenses have been paid so £54 sent to rental fund to re-pay the money borrowed, £210 still short so a way to go but will get there, hoping my survey money drops in soon.

    So having a think about the redundancy pay, say taking a figure of £11k. So in an ideal world would find a job and get first payday end of january so would need (assuming no payday end of this month) 3 months money, if I carried on saving need £4.5K (approx £1500 a month) so this would leave me £6.5k "spare".

    So could top up all savings accounts to targets which are:
    Fun - £1k - assume use 3 months savings would need £740
    Hols - £500 - N/A as target met and next target on par
    Horse - £1140 - assume use 3 months savings would need £420
    House - £1k - assume use 3 months savings would need £720
    Ins - £900 - N/A as target met and next target on par
    ISA - £8.4k - assume use 3 months savings would need £5029
    Misc - £1200 - assume use 3 months savings would need £490

    So in theory need £7399 but if reduced ISA target to £5K need £3990, round it up to £4K so have £2.5K spare.

    I think then would use this £2.5K to put into ISA for emergencies and then revise my savings standing orders. At present pay £600 a month into this.

    I think ideally I need to pay
    £100 to insurance fund
    £100 to horse fund
    £50 to fun
    £50 to house
    £100 to emergencies

    So I could then use the extra £200 a month to start overpaying the mortgage, this would at present decrease my term by 7 and half years which is definitely worth doing.

    Now at the moment these are all guesses as not sure of figures etc and also this assumes I can get a job which pays about the same amount as current, but nice to have an idea of what could be. Watch this space
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Baldybear
    • By Baldybear 5th Oct 16, 11:18 AM
    • 1,604 Posts
    • 3,169 Thanks
    Baldybear
    Good morning

    Checked my freezer last night and did a brief meal plan using bits up, I have planned up to 28 October and would still have a couple of meals left, so thats the plan to stick to this, would need to buy fresh bits but hopefully can really eek the budget out there.

    Filled up car last night £55 but thats under budget so hopefully thats it for the month. Also cleared some more poo, definitely a few wheelbarrows a week will keep it clear
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Baldybear
    • By Baldybear 6th Oct 16, 10:42 AM
    • 1,604 Posts
    • 3,169 Thanks
    Baldybear
    Good morning

    New bedding I ordered a few weeks ago, not cheap £45 for a king size set, of one of the discounted designer sales but pleased with quality and slept in it well last night, have had lots of issues with duvet getting rucked up in the covers and this didnt do this, now have 3 sets (although 2 getting old now) for my bed so super pleased as been looking for months. All paid off so good.

    Having a quick review of my savings accounts and most the interest is pitiful so have just opened a new account today.

    So review:
    Misc emergency - £100/month - 1.5%
    ISA - £100/month - 0.01% - main emergency
    Also have 6 other accounts paying a measly 0.01%, one is rental so ignore this, but others pay a total of £400/month for various, house, horse, hols etc.

    So today have opened an account for 2.25% - up to Oct 2017, can pay max £250 a month. So have re-jigged the accounts and although will still carry on paying into each payments will be halved so can pay £200 a month into new account. So still saving the same amount each month but should get better rates and targets will still be met.

    Small spend today of £2.25 on some porridge for work (20 days worth) and bread roll, out of loose change already had
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Watty1
    • By Watty1 6th Oct 16, 11:42 AM
    • 2,490 Posts
    • 17,593 Thanks
    Watty1
    I like the idea of different accounts for different things but we have to go slowly here as Mr Watty does not cope!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Baldybear
    • By Baldybear 6th Oct 16, 1:57 PM
    • 1,604 Posts
    • 3,169 Thanks
    Baldybear
    I like the idea of different accounts for different things but we have to go slowly here as Mr Watty does not cope!
    Originally posted by Watty1
    Luckily there is just me so much easier, also makes it easier to see in black and white exactly what is budgeted for and where
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Baldybear
    • By Baldybear 11th Oct 16, 10:05 AM
    • 1,604 Posts
    • 3,169 Thanks
    Baldybear
    Good Morning

    So friday went into town at lunchtime and spent a few pennies and bought a couple of tops and some shoes and small top up grocery shop.

    Saturday went out for the day with friend, went into London, took advantage of EH membership and visited a few properties so effectively free, paid for train, friend paid for lunch, I paid for coffee/cake later. Came home early evening popped to drop dads paper off and ended up going with sister to the cinema, saw Bridget Jones Baby, very funny

    Sunday didnt spent a penny, spent some time with hoss, cut grass, tidied garden, took down beans and harvested last of said beans and carrots. Prepped those and a lovely box of carrots in the freezer and more beans (have so many, been very productive). Have also a massive stash of bean seeds for next year so no spends there.

    So financial implications are:-
    £81 on CC, there was £19 odd spare in bills account so paid that, £62 left to find.
    Owe friend £7 plus previous £10 plus tickets for gig in May next year £67, not desperate to pay but will try and pay out of fun fund in next week or so.
    Owe sister £9 for cinema ticket.

    Money came in today £11 so sent to rental fund shortfall, that is now £141 so £209 to find there.

    So £209 plus £62 to find.

    Due in:-
    £20 survey site
    £11 survey site
    £21 B Gas credit refund
    Total £51 so this can go straight of the card. So just need to find that elusive £10 and then back to the rental shortfall.

    Generally pleased with how budgeting is going, few missives but ok.

    Job wise looks like definitely going to be gone, maybe even this week, part of me hopes its friday as getting bored with it all now and have things could do at home and out and about and feels bit of a waste of time being here, but hey ho, watch this space.

    Sister had some hassle with dad at the weekend, just minor but issues to continence issues and her seemingly to be washing constantly, so have ordered some new bedding which is meant to be waterproof so he has some extra sets, has plenty so far of underwear protection. Hopefully this will help. Paid £70 on card but dad will refund me so not counted on calculations above. She seemed ok last night so thats good. Just waiting call back from mental health community nurse to make follow up appointment and that will be good. Trying to be pro-active otherwise its just hard and mind whizzes with a million and one things and keeps me awake
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Baldybear
    • By Baldybear 12th Oct 16, 10:34 AM
    • 1,604 Posts
    • 3,169 Thanks
    Baldybear
    Good morning

    Details of new account have arrived so have set up standing order for savings to make most of interest rate, all other standing orders have been amended to, still keeping to save £600 a month over various accounts, but now at the best interest rates I can for now.

    Small spend of £2 yesterday, luckily exact change I had in my purse, was the tea money needed for dad when dropped him of at his choir.

    Spoke to dad and sister briefly yesterday and the redundancy pay could take 3 to 6 weeks to pay out so dad has said he would lend me the money to cover bills etc in the meantime and will pay back when my money lands, is a bit of relief and definitely helps Am very blessed and fortunate to be in this position.
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • Mrs Money Penny
    • By Mrs Money Penny 6th Nov 16, 8:29 AM
    • 699 Posts
    • 6,183 Thanks
    Mrs Money Penny
    Hope everything is ok with your Dad and also work wise. You haven't been posting for a while x
    MFIT T4 40
    MFIT Challenge save £40k
    2016 savings £12k
    • Baldybear
    • By Baldybear 9th Nov 16, 1:41 PM
    • 1,604 Posts
    • 3,169 Thanks
    Baldybear
    Good afternoon world!

    Long time no see diary but life has just drawn me away and need to come back to focus.

    So I creep back in with lots of new debt but also a plan going forward.

    So I was made redundant 3 weeks ago as company went into voluntary liquidation, sad to go but I needed the break. It is just under a year since mum died (this saturday coming is the anniversary) and this last year have had so many ups and downs with it all, its good to be able to have some time to sit and re-cap.

    So I promised myself a foreign holiday this year, have splashed out more than I had saved but I dont regret any penny of it. I am off to Mexico next friday for 10 days, all inclusive hotel, already booked and paid for a couple of excursions, got my spending money so shouldnt need to spend any extras whilst I am there. I am going by myself which is a bit and at the same time, hence the all inclusive as can sit back and relax and not have to worry about venturing out to much by myself. Nervous but cant wait!

    So whilst I have been off havent been sitting around, fat chance, been taxi service to dad to day centre which he attends twice a week, he has settled in and enjoying it, still taxiing him to choir another day a week, been to doctors, podatrist, chased prescriptions, sorted out some lunches so most things up to date and been good to be around.

    Have also been spending some much needed time with the hoss, nice to have the days to ride now we are into the winter. Also been sorting the house a bit, oh and looking after nephew a couple of days over half term.

    So I had to apply for redundancy pay from government and that was paid yesterday. Should get notice pay but not due till mid january. Also applied and received JSA which is nice to have a few extra pennies. Appointment tomorrow and next week, and then see what happens when I get back from hols. Although the money is nice you are made to feel like an idiot and they so look down their nose at you for being unemployed as if I am some layabout. I was in my last job for a few months shy of 13 years, grrr just makes me angry. Will wait and see.

    With my redundancy pay, and also my company paid me up to the day I was made redundant I am ok for a few months. My salary paid am using last few pennies now. Transferred money from redundancy to account to cover bills up to end Dec and then have put rest in savings accounts to earn a few pence interest and then wait and see.

    So apart from the holiday spend £3.3k plus £200 spending money, and £200 excursions. So had enough in holiday fund to cover spending money, excursions and about £500 spare. Rest on CC. I have also been very spendy happy and spent £200 on clothes for hols including 2 pairs of trainers which were very much a need not want going forward, £150 on swimwear, £90 on 2 rugs for the hoss as she had outgrown some. £90 on a hotel stay for when I get back as having a belated company do, £172 on meal out with family, £170 on hoss food, £135 on fireworks, £8 on travel plug, £60 on day out in london with sister, £32 on new clipper blades for the hoss, £120 on massive top up shop plus some extras and you can see it has all added up

    I dont regret spending any of the above pennies.

    So I put this all on a CC but was being charged interest so I applied for and was accepted for a 0% balance transfer card for 40 months.

    So as of today my debts stand at:-
    New CC - £3762
    CC 1 - £209

    I have about 9K in savings over various accounts so more than enough to cover the cards. I am going to pay of CC1 asap and then leave the other one to pay the payment needed to pay this off before the 0% offer ends, quicker if I get a job, and earn some interest on my savings in the meantime.

    I am due around £263 from various sources including next weeks JSA, quidco, survey money etc so can easily clear the CC1. Then will put rest away to earn the interest.

    Someone is due around this evening to buy my old hoover but that will cover the transport cost from the airport (bro in law taking me).

    I think job wise I wont look properly until next year, I did have an interview last week but doubtful got it, as will be in a better frame of mind to start afresh.

    This saturday as its the anniversary of mums death we are having a few friends round for a get together and fireworks (hence the spend above). Last year when she was in the hospice we watched the fireworks so this is a celebration for her. Sis is doing food.
    Last edited by Baldybear; 09-11-2016 at 1:58 PM.
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • mfmaybe
    • By mfmaybe 29th Nov 16, 3:21 PM
    • 750 Posts
    • 2,434 Thanks
    mfmaybe
    How was the holiday BB? Are you back yet?
    Credit card 0% Highest £6354.82 now £2974 53.2% paid. Pay by Jan 17

    Other debts paid since 1/1/14: £10,650
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