We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

My diary... becoming debt free whilst still having a life!!!

1333436383991

Comments

  • Thank you all! I had a feeling the weekend would be tough as during the week at work I have so much to do i dont have time to think about the debt.

    ah well.............
    If you wait for perfect conditions, nothing would ever get done! :T
    I'm not short - I'm condensed awesome! :p
  • OK I have decided I am going to STOP looking at numbers, doing sums, sighing alot and slowly getting into a depression. When I look at the bloomin interest we are being charged each month it really does make me want to weep.

    We ARE in a better place than when we started this in June, so that has got to be good. I am not adding to my debt in anyway and there have been many opportunities believe me since June. So I am going to stop now go and have a cuppa and spend so time with my little one.

    I am feeling a little :mad: and a little :( but mostly I am OK.

    Thanks to you all.

    xxxxxxxxxxx:A
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • sistercas wrote: »
    btw I am sleeping ok now thanks
    Ruby never to early for chocolate or wine!! or sweets or cake or chips.......[/HTML].

    Hi SC
    Glad you are sleeping, things always seem more manageable don't they when we get the sleep we need.

    If you manage to get a photo on here from your phone, please tell me how!! and I would love to see it.

    and as for the chocolate..... might have a biccie with my cuppa.

    xxxxx
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    DS and I have been picking free cooking apples from a freecycler and then went for a walk so I feel very virtuous. Intend to make some apple pies, apple sponge and apple crumble later...

    DD has had a friend round to play and not spent any money yet today... May need a pack of sugar and some more butter tho before we can do any cooking so may still not make another NSD!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • DS and I have been picking free cooking apples from a freecycler and then went for a walk so I feel very virtuous. Intend to make some apple pies, apple sponge and apple crumble later...

    DD has had a friend round to play and not spent any money yet today... May need a pack of sugar and some more butter tho before we can do any cooking so may still not make another NSD!

    Yummy....fancy a visitor?
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    been trying all afternoon to try and upload the pic of my fairtrade hamper cant seem to get them to come on to the message directly so trying this

    http://i284.photobucket.com/albums/ll34/cas2717/Photo-0087.jpg
    http://i284.photobucket.com/albums/ll34/cas2717/Photo-0086.jpg

    its only small hamper
    at the back is an envelope with pantotickets (cant see it)
    there is an assortment of fairtrade choc bars (white/ dark/ milk
    fairtrade cereal bars
    fairtrade nuts and fruit
    fairtrade belgium chocolates
    3 bars of orange fondant filled choc

    SH how do you get pics directly on to the thread?
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sistercas wrote: »
    been trying all afternoon to try and upload the pic of my fairtrade hamper cant seem to get them to come on to the message directly so trying this

    http://i284.photobucket.com/albums/ll34/cas2717/Photo-0087.jpg
    http://i284.photobucket.com/albums/ll34/cas2717/Photo-0086.jpg

    its only small hamper
    at the back is an envelope with pantotickets (cant see it)
    there is an assortment of fairtrade choc bars (white/ dark/ milk
    fairtrade cereal bars
    fairtrade nuts and fruit
    fairtrade belgium chocolates
    3 bars of orange fondant filled choc
    It looks lovely :T I hope you also post it on finished baskets. Hamper from Morrisons I think? Another one - where all I can say is "Is that for me?":rotfl:

    To get the picture directly on the thread - in photobucked - resize to medium or large, save then at the bottom where there is an image code - click on it and it will say copied - then just paste into the "reply"

    Ruby - DD and I have just been making apple sponge it looks about ready? What time will you get here?

    See you soon:cool:
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • Hi SC and SH

    SC, what a wonderful looking hamper and very classy. I love going to panto and can think of nothing better really than sitting in a good panto eating good chocolate!!!

    SH, I will have to leave the lovely sounding apple cake to you and your family because I am in my pj's early tonight, so not coming out to play anymore for today. (I blame the clock change for me needing to get cosy).

    (Not a good look though (me in my pj's), almost as bad as pop socks!!***)

    :rotfl: :rotfl: :rotfl:
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hi SC and SH

    (Not a good look though (me in my pj's), almost as bad as pop socks!!***)

    :rotfl: :rotfl: :rotfl:
    :naughty: ARGHHHHHHHH pop socks have reared their ugly heads again:rotfl:
    as i remember we were all joining pop socks anon to try and kick the addiction or is it affliction:D
    thankyou both for your lovely comments on my basket had it not been for this diary I never would have dreamed of doing such a thing and I really enjoy doing them. i have lots of ideas
    SH I have tried to post on finished hampers managed an ickle pic so I am improving my computer skills too:D

    incidentally the baskets are from JTF wholesale a set of 2 small 1 medium and 1 slightly larger for £3.50
  • Hi Girls!
    Sorry I havent been in touch, totally hectic week and then caught a very rotten bug and have been very poorly indeed! In fact my mum came yesterday to nurse me and I actually feel much better today! Hurray for mums!!!!

    Girls, what can I say, so many trauma's in such a short time! Even tho I havent posted, I have been reading and am thinking about you all! This is all so difficult but think where we would be if we hadnt started down this road.

    I am also feeling like Im taking 1 step forward and 1 step back! The money I make from parties goes on food, essentials etc cause husbands money is needed to take him and 3 kids on church weekend. I just cant get ahead at all! I get paid weekly and am dragging my butt from week to week, hoping the next week I get sorted. Have you any suggestions? How I can get better sorted and feel more in control??
    Debt - £10,000

    Small changes..... Big Differences!
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.8K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.2K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.