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
    • Mummy_bear
    • By Mummy_bear 4th Jun 17, 9:02 AM
    • 255Posts
    • 975Thanks
    Mummy_bear
    On a Mission
    • #1
    • 4th Jun 17, 9:02 AM
    On a Mission 4th Jun 17 at 9:02 AM
    So this is me holding myself accountable, publicly, albeit anonymously, for my spending.


    To be fair I'm not so bad, sort of, ish.


    DH on the other hand has issues!!


    Why am I doing a Diary? Well it all came to a head when DH spent his entire wage (£1500) within a week of being paid. Of course a portion of this went to bills etc. But equally a lot was wasted on games for his playstation.


    It's frustrating because between us we bring in over £3k a month and literally have nothing at the end of it. I'm sick of it.


    So I've took on this challenge. I will do my utmost to rein DH in and fully intend to get us out of this debt.


    My intention is to tackle the different debt one at time.


    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


    I'm going to list our current debt.... GULP


    Outstanding on Mortgage - £84451
    Credit Card 1 - £2803.37 - interest free for 2 yrs
    Credit Card 2 - £1490 - interest free for 2 yrs
    Hitachi finance (for new Boiler) £3093 (includes interest)
    Littlewoods £518 (includes interest)
    Next £444
    Newlook (DH has no idea about this eeek) £130
    Loan 1 - £10865
    Loan 2 - £5964
    My overdraft currently stands at £150
    Dh's overdraft £700


    DH got a loan out last October - not sure what is outstanding on that so I'll have to update on that later.
    I do know that it's £155.12 a month payment.


    DH also has finance on a bicycle - again I need to get the outstanding on that
    Finance for a new TV - he got this against my advice - total amount was £899 - obtained earlier this yr - need the outstanding


    AND - he's recently took up a hobby that's resulted in the purchase, finance, for some items - again need to total figure on that one.


    See - he likes to buy things


    Without knowing DH's total outstanding I've totted up known figures.
    So including the mortgage we owe at least £110,608.37





    I also have a student loan that's £150 out of my wage every month. I believe I'm due my yearly statement this month so I can see what is outstanding hopefully. With 2 lots of Mat leave in the last 5 years it's taken longer to pay off. I'm hoping that I'm nearing the end though as that would be a huge help once gone.


    I do have some good habits!


    I overpay on our Mortgage. I think it's a monthly overpayment of around £120. I'll have to double check. Been doing that for years although previously the overpayments were more I the region of £75.


    I think initially I will concentrate efforts on overpaying the Hitachi finance and the Littlewoods account. Luckily with the Littlewoods account that is a buy now pay later (expires Jan) and I'm well on course to pay that off in time.


    With the Hitachi finance I currently pay just under £72 a month. I was the shittiest deal ever. However, it was Dec 2012. Our ancient boiler died. I was on mat leave. We needed a new boiler and in desperation took up the worst ever deal from British Gas. Ugh - shameful. I then just let it run it's course. I don't have figures at hand but I believe it was an 8 year deal and a disgusting interest rate.
    I logged into the account yesterday and found that it ends in Dec 2020. If I make just £18 a month overpayment it could end in Jan 2020!! I'm unbelievable peeved at myself for not concentrating on getting rid of this sooner. So that is my main goal!


    I aim to update at least once a week.


    By for now
    Last edited by Mummy_bear; 04-06-2017 at 9:05 AM.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
Page 8
    • Mummy_bear
    • By Mummy_bear 5th Sep 17, 7:29 AM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Day off today and tomorrow.
    DS starts back at school tomorrow and wanted to go out for the day today...something free of course. But it's raining heavily and forecast shows that to be the case all day.

    So...I'm sure the overflowing arts and crafts kit will get used today.

    It goes without saying that that he is ready to get back to school. I do worry though, he starts year 1 this year. It'll require more discipline and concentration which he struggles with. We're waiting for an ADHD assessment

    DH is also off work still recovering from hurting his back. Just waiting on an appointment for a CT scan to rule out something more serious.

    Hope to get to the allotment today and clear up some more soil and looking into planting some of the seeds I've got.

    Oh and I might even brave the rain and go for a run. I've put on way too much weight this year. I love food...so I need to exercise I used to run a lot. Even completed the London Marathon a few years back ..slowly...but I did it. I may never get to that level of fitness again due to time constraints etc but I'd love to try. Some colleagues spoke about doing a half marathon next March which I'm totally up for.
    Will be interesting to see what my level of fitness is like at the moment though
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Mummy_bear
    • By Mummy_bear 6th Sep 17, 4:15 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Totals as of 6th September

    Lloyds CC £1343.20
    Next £135 £1 paid off
    MBNA CC £4130
    Barclaycard CC £2585
    My overdraft £69 £1 paid off
    Tesco Loan £10,012.88
    Santander Loan £5512.55
    TV -DH purchase £634.9
    M&S Loan £7910.64*
    Bicycle finance £112.5*

    *(not strictly accurate, will update once I have accurate figures)

    Total Debt as of 3rd of September - £32451.67
    Total debt as of 4th of September - £32441.67
    Total debt as of 6th September- £32439.67

    Total cleared since 1st September - £639.89

    Emergency Fund total - £181/£1000




    September goals

    1) To pay a total of £1500 off debt
    £639.89/£1500

    2) To get £300 in the EF
    £181/£300

    3) To list 10 items on Ebay
    8/10

    4) To earn £30 from surverys - only payable to count
    £0/£30

    Couple of small payments today. Every little helps.

    Finally got my butt in gear and listed 8 items/bundles on Eb8y. Trying a few things out to see which offers more profit. A few Buy it Nows, some auctions, some with free p&p but higher starting price, some like the old way I listed. Got a ridiculous amount to sell though as the youngest is growing so fast. Just always a faff listing them.

    My trusted Henry Hoover broke last night, the on switch wouldn't stay on. Instead of looking to buy a new hoover as the old us would've done we've ordered a new on switch...just under £4! Frugal

    Forgot to mention we had our Smart meters fitted on Friday. Turns out that since they were changed by No-power in 2012 they had bypassed our Electric shower which we seem to have been getting for free...oops. but then again no surprise as No-power were shocking with us and I tell everyone to steer clear.

    Anyway, it's a little obsessive looking at the device tracking our usage. I'm going round switching everything off all the time. Much to DH and DS annoyance as they keep thinking things have stopped working

    Right, off to make tea. Just something random I've never made before with no recipe! !

    MB



    MB[/QUOTE]
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Mummy_bear
    • By Mummy_bear 8th Sep 17, 10:05 AM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Morning diary,

    Just a quick update.

    Today is my usual day off in the week. Hoping to get some more stuff on Ebay. Had a message off someone asking how much 3 of my lots would be if bought in one go. Gave them a price which is less if bought as separate lots and no extra charge for p&p . I'm guessing they didn't like that offer as heard nothing back...
    Still, there's 5 days left on the ones I've listed.

    1 week from payday. Will try and tidy accounts later and see what PADing I can

    Must shoot.

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 8th Sep 17, 10:28 AM
    • 566 Posts
    • 2,168 Thanks
    wishingthemortgaheaway
    Have a good day.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • Mummy_bear
    • By Mummy_bear 8th Sep 17, 1:48 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Totals as of 8th September

    Lloyds CC £1343.20
    Next £130 £5 paid off
    MBNA CC £4130
    Barclaycard CC £2585
    My overdraft £66 £3 paid off
    Tesco Loan £10,012.88
    Santander Loan £5512.55
    TV -DH purchase £634.9
    M&S Loan £7910.64*
    Bicycle finance £112.5*

    *(not strictly accurate, will update once I have accurate figures)

    Total Debt as of 1st September - £33079.56
    Total Debt as of 3rd of September - £32451.67
    Total debt as of 4th of September - £32441.67
    Total debt as of 6th September- £32439.67
    Total debt as of 8th September - £32431.67

    Total cleared since 1st September - £647.89

    Emergency Fund total - £184/£1000




    September goals

    1) To pay a total of £1500 off debt
    £647.89/£1500

    2) To get £300 in the EF
    £184/£300

    3) To list 10 items on Ebay
    8/10

    4) To earn £30 from surverys - only payable to count
    £10/£30

    I've tidied the accounts and managed £5 towards Next, £3 to the OD and £3 to the Emergency Fund. I'd love to have cleared the Next and OD within the next pay month - so that gives a deadline of the 15th of October.

    Completed a couple of VO surveys today bringing me to a £10 cashout. Got the usual Love2Shop ecode which will be used for Xmas presents.

    PA has been very quiet for me. Had maybe 2 studies in the last week totalling less than £1. It's also been a little glitchy for me and keeps bringing op a study with one place but the study is old and can't be done. Always the same study too. It's teasing me. I've got £16.29 payable and £2.55 pending. Want to get to £25 before I cash out as that'll cover my September £25 contribution to the annual bills account. Really hoping things pick up. I had such a good run at the beginning of August.

    DD is being very very clingy at the moment. Struggling to achieve very much. Need DH to take both kids out tomorrow just so I can get on top of the cleaning and continue to decluttering.

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Mummy_bear
    • By Mummy_bear 9th Sep 17, 4:16 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Hello diary,


    This morning I was looking through my time hop. It's linked to my Dropbox. Came across a photo of our living room 10 years ago just after we moved in. The furniture was set out differently. We didn't keep it like that instead changing it round and keeping it the same for 10 years, I've no idea why. Well today I just went a bit crazy and dragged furniture around and repositioned everything like the photo I saw. I'm now wondering why we ever changed it 10 years ago. There's more room now, it looks great. I even made sure I knew where I was putting the Christmas Tree

    It's meant I haven't put more on Ebay yet, will try later or tomorrow.

    We're having a fakeaway tonight. Home made donner Kebab...or chicken kebab for the kids. Smells divine. Fraction of the cost of a real takeaway plus saving on electricity using the slow cooker.

    Have nothing planned for the rest of the evening. Just spending time on pinterest getting ideas on decorating our bedroom. Forgot to mention we've got our new bed. It's an Ottoman in Superking size. .. £280 ...absolute bargain and OMG our backs are grateful. Our mattress is only a year old so didn't get a new one. The last bed was just not supportive anymore, the slats were bowing.

    But before I can get cracking we need to do a tip run. DH back still recovering so that'll be a few weeks off. Hoping to have decorated and sorted most things before Christmas.

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Mummy_bear
    • By Mummy_bear 10th Sep 17, 10:25 AM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Morning

    A few posts back I noticed that my Santander loan figure was out. I couldn't figure out how I'd messed up the math but I corrected the amount.

    This morning I've been reviewing my accounts - via MSE Credit Check. I noticed that again my Santander loan amount was out again We pay £155.45 a month towards that, which was what I was deducting each month. Turns out that the outstanding that shows on the credit file is what is left without interest. So actually I shouldn't have been removing £155.45 off the balance each month.
    The actual amount that comes off each month varies so much.

    So....I've now established that we actually have £6528.88 outstanding so my list has been edited accordingly. That adds £1016.33 on to the outstanding Ugh it messes with my figures so much!!.

    I've checked the other loans we have. They are accurate as in the figure we've been given is the outstanding including the interest.

    It will also mean that the DFD will be knocked back a few months because of this.


    Totals as of 8th September

    Lloyds CC £1343.20
    Next £130
    MBNA CC £4130
    Barclaycard CC £2585
    My overdraft £66
    Tesco Loan £10,012.88
    Santander Loan £5512.55 + £1016.33
    TV -DH purchase £634.9
    M&S Loan £7910.64
    Bicycle finance £112.5

    Total Debt as of 10th September - £33453.8

    Total cleared since 1st September - £647.89

    Emergency Fund total - £184/£1000




    September goals

    1) To pay a total of £1500 off debt
    £647.89/£1500

    2) To get £300 in the EF
    £184/£300

    3) To list 10 items on Ebay
    8/10

    4) To earn £30 from surverys - only payable to count
    £10/£30


    I'm keeping the amount I've paid off the same, because although the outstanding debt total was inaccurate the amount we've paid this month is not. Think I need this psychologically

    Signature has also been edited. I've taken £1016.33 off the total paid rather than adding it to the original outstanding debt figure. It makes sense to me to do it that way, I guess I can't bear to see that £37139.86 increase by over a £1000. Equally the debt amount isn't even that figure anymore due to what we've paid off. Anyway, I'm waffling, but I know what I mean.

    It has meant that the lovely 12.66% total paid off amount has dropped to 9.92%. Look on the bright side I'll break through that 10% again which is cause for another celebration

    Trust me........I'm sure that the outstanding balances are accurate now

    I'm hoping we can still achieve getting under £30k by the new year even with this set back.

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • ChasingSunshine
    • By ChasingSunshine 10th Sep 17, 6:33 PM
    • 101 Posts
    • 864 Thanks
    ChasingSunshine
    That is so annoying that the amounts are calculated differently but there is some consolation that you found out now and not as you were adding up the totals in December expecting to be easily below 30k mark. Plus as you pay off the Santander loan you might not end up paying all of that interest. Does the interest charged reduce as the balance goes down or do you have to pay off that much even if you clear it early? Just thoughts for when you are next looking at your snowball.
    • Mummy_bear
    • By Mummy_bear 10th Sep 17, 8:11 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    That is so annoying that the amounts are calculated differently but there is some consolation that you found out now and not as you were adding up the totals in December expecting to be easily below 30k mark. Plus as you pay off the Santander loan you might not end up paying all of that interest. Does the interest charged reduce as the balance goes down or do you have to pay off that much even if you clear it early? Just thoughts for when you are next looking at your snowball.
    Originally posted by ChasingSunshine

    so my new Santander Loan figure is the total amount I would pay if I dont adjust my monthly payment of £155.45. I have 42 months left on it. I've found the paperwork for it now. It says that if I were to make an overpayment I can choose to either reduce the standard monthly payment and keep the term, or reduce the length of the loan. Ultimately an overpayment would result in less interest being paid.

    Once I've paid my next account and overdraft I will concentrate on the Barclaycard. Approx £1450 of that is 0% until Nov 2018.

    Other 0% deals end in either 2019 or 2020. So I'll make calculations on how much to pay to clear them within those deals and plow the rest into the loans so that I can reduce the amount of interest we pay.

    God I hope there are no further nasty financial surprises to come...is it any wonder I got into the mess (jointly )

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Mummy_bear
    • By Mummy_bear 11th Sep 17, 3:13 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    New determination
    Right!!


    Let's move on from the set back from yesterday.

    It's payday on Friday and I've had my payslip through so I know exactly what I'll be getting. Happy to see the expenses that were missed off last month are in this pay.

    I've also still got money in the bank with only a few things due to come out or set aside for things prior to Friday (e.g. parking costs). It's meant that I've actually been able to take the plunge and pay off my Overdraft


    Totals as of 11th September

    Lloyds CC £1343.20
    Next £130
    MBNA CC £4130
    Barclaycard CC £2585
    My overdraft £0 £66 paid off
    Tesco Loan £10,012.88
    Santander Loan £5512.55 + £1016.33
    TV -DH purchase £634.9
    M&S Loan £7910.64
    Bicycle finance £112.5

    Total Debt as of 10th September - £33453.8
    Total Debt as of 11th September - £33387.8


    Total cleared since 1st September - £713.89

    Emergency Fund total - £184/£1000




    September goals

    1) To pay a total of £1500 off debt
    £713.89/£1500

    2) To get £300 in the EF
    £184/£300

    3) To list 10 items on Ebay
    8/10

    4) To earn £30 from surverys - only payable to count
    £10/£30


    I've had a bid on one of my Ebay items. That finishes on Thursday. Also got a few people watching the other lots so fingers crossed I'll make a few sales.

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Mummy_bear
    • By Mummy_bear 11th Sep 17, 3:16 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Oh and I've just update my signature

    Broke through the 10% paid barrier...AGAIN

    Happy Dance
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 11th Sep 17, 6:41 PM
    • 566 Posts
    • 2,168 Thanks
    wishingthemortgaheaway
    Woohoo. Go you.

    And this time tha 10% is staying and not being taken away by mean interest rubbish.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • IWILLgetthere
    • By IWILLgetthere 11th Sep 17, 7:03 PM
    • 58 Posts
    • 267 Thanks
    IWILLgetthere
    Hello, just wanted to say that I look forward to reading your daily updates - you are an inspiration!
    Thank you and good luck with debt busting
    • Mummy_bear
    • By Mummy_bear 11th Sep 17, 7:38 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Woohoo. Go you.

    And this time tha 10% is staying and not being taken away by mean interest rubbish.
    Originally posted by wishingthemortgaheaway
    Absolutely, now onto the next 10%
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Mummy_bear
    • By Mummy_bear 11th Sep 17, 7:42 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Hello, just wanted to say that I look forward to reading your daily updates - you are an inspiration!
    Thank you and good luck with debt busting
    Originally posted by IWILLgetthere

    Thank you for sticking around

    I dont necessarily have the most interesting writing style or even have that much interesting to write about. But it still helps to know I'm inspiring as it spurs me on to keep debt busting.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Mummy_bear
    • By Mummy_bear 11th Sep 17, 7:55 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Ebay
    Just a quick mini update.

    As mentioned earlier I've trialed a few selling methods on Ebay. It seems to have worked.

    I had a bundle of baby clothes for sale for a BUY IT NOW price of £7.50 and a p&p of £1.50

    I thought it would appeal to have a lower p&p price, I'll absorb the rest from the actual bundle being sold. Previously I've sold similar bundles and started an auction at 99p. Rarely will they have got above £3

    So once all fees have been removed including the PayPal fee and the actual p&p cost I'll have made about £4.60. Better than a 99p auction sale where I've worked out profit to be a mere 27p or there abouts.

    WARNING

    OK here's a warning for those using Ebay. I regularly check my selling account and look at the current fees bill so I know exactly what needs to stay in the PayPal account. I noticed there was a £2.50 gallery plus fee in there. It's against one of my current listings. I knew for a fact this was wrong. I always check that starting fees are 0.

    Contacted Ebay. Turns out there is a known issue/glitch where random £2.50 fees are being added (apparently they're in the process of resolving this). I got my refund. I suspect that had I not called I wouldn't have just been refunded. So check your fees guys, you don't want any nasty surprises.



    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Mummy_bear
    • By Mummy_bear 13th Sep 17, 4:33 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    poorly household
    This morning I was up at 5.30 am getting ready for work. After a shockingly poor sleep and now the beginnings of a horrid cold.

    I knew I'd get a cold, all the lads in the office have been suffering for about a week and half so it was a matter of time. I just hate how run down colds make me feel.

    6.30 am DS shouts me from his room, he'd been sick in his bed. He said he had a tummy ache last night whilst doing reading homework but I assumed it was another effort to get out of homework *bad mummy moment*.
    And as DH has only just returned to work after being off sick with his back we decided I should stay off work.

    DS was sick a 2 further times by 8.30 am. He's been fine since. Called his school explaining his absence and confirmed they have a 24hr rule of no sickness before return.
    School starts at 8.50am tomorrow so if he remains fine until tomorrow morning he'll be going back in.

    Then there's DD. No sickness. But I suspect she's getting a cold too. She's on her 3rd nap of the day. She normally only has the one.

    So with the unexpected day off I've just been doing the odd survey etc.
    I've managed to pay more off the Next account.
    I've sold 6 of my Ebay items. Waiting for payment on one. Of the 5 items paid for I've made a profit of £7.50. Can't argue with that. So that came off the Next account.

    Decided to download the Qmee app. It pays pennies for surveys. They don't take long. Made 31p in about 3mins. Withdrew it straight away into my PayPal. Appeared instantly with no charges, so got full 31p. Again 31p extra off a debt!

    Totals as of 13th September

    Lloyds CC £1343.20
    Next £112.19 £17.81 paid off
    MBNA CC £4130
    Barclaycard CC £2585
    Tesco Loan £10,012.88
    Santander Loan £6528.88
    TV -DH purchase £634.9
    M&S Loan £7910.64
    Bicycle finance £112.5

    Total Debt as of 10th September - £33453.8
    Total Debt as of 11th September - £33387.8
    Total debt as of 13th September -£33369.99


    Total cleared since 1st September - £731.7

    Emergency Fund total - £184/£1000




    September goals

    1) To pay a total of £1500 off debt
    £731.7/£1500

    2) To get £300 in the EF
    £184/£300

    3) To list 10 items on Ebay
    8/10

    4) To earn £30 from surverys - only payable to count
    £10.31/£30


    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Mummy_bear
    • By Mummy_bear 13th Sep 17, 8:08 PM
    • 255 Posts
    • 975 Thanks
    Mummy_bear
    Well my optimism where DS is concerned was short lived. He may not be vomiting any more but he's got a runny bottom. Oh the joys. Gonna have to hope my mum has him tomorrow. He seems fine in himself.

    Final Ebay sale paid up. The profit along with a £1.14 earning from Qmee has meant I've paid another £3.10 paid off the Next account this evening


    Totals as of 13th September

    Lloyds CC £1343.20
    Next £109.8 £3.10 paid off
    MBNA CC £4130
    Barclaycard CC £2585
    Tesco Loan £10,012.88
    Santander Loan £6528.88
    TV -DH purchase £634.9
    M&S Loan £7910.64
    Bicycle finance £112.5

    Total Debt as of 10th September - £33453.8
    Total Debt as of 11th September - £33387.8
    Total debt as of 13th September -£33369.99
    Total paid as of 13th September (b) -£33366.89

    Total cleared since 1st September - £734.8

    Emergency Fund total - £184/£1000




    September goals

    1) To pay a total of £1500 off debt
    £734.8/£1500

    2) To get £300 in the EF
    £184/£300

    3) To list 10 items on Ebay
    8/10

    4) To earn £30 from surverys - only payable to count
    £11.45/£30


    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • Rachel24
    • By Rachel24 13th Sep 17, 10:25 PM
    • 96 Posts
    • 335 Thanks
    Rachel24
    Love reading your diary mummy bear :-) I have money ok my next account and an overdraft etc and I like the way you pay little amounts to it. I look forward to reading your diary and have subscribed. Hope the wee one is feeling better. Xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Sep 17, 10:37 PM
    • 566 Posts
    • 2,168 Thanks
    wishingthemortgaheaway
    Hey, thanks for mentioning qmee. I had a look and got nearly 60p just while settling Pickle. I think I'll build that one up in the days I spend and with draw money on a nsd so I can make a pad in my mop pot.

    Hope little one is better soon.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
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

386Posts Today

5,019Users online

Martin's Twitter
  • I believe I can boldly go where no twitter poll has gone before https://t.co/HA0jC92gAK

  • OK I'm wilting to public pressure and there will be a star trek captain's poll at some point next week

  • I can get that. My order is 1. Picard 2. Janeway 3. Kirk. Too early to say where Lorca will end up (or would you? https://t.co/kawtCOe9RA

  • Follow Martin