mummy saving for a debt free day!

mummy2mygirls

Hi thanks rags! Atleast i am trying and even if it takes forever to pay them all of!! if i wasnt trying we would be soooo much worse a situation!!!
Freya is ok now was poorly for a while but is fine now bless her! Glad ds2 is ok now.
Just checked my topcashback rewards and i claimed £3 something so a little more to put on cc – baby steps baby steps!!!! Also noticed the cashback for the dishwasher has nt gone through or shown up at all?? so will have to chase that up....

mummy2mygirls

Still not much going on here....im trying
The car went to my dads mechanic friend today to have a once over and change the brake pads so it will be cheaper then what the garage will charge on fri when it has its mot! I hope it should pass now as he checked most things and filled up the oil etc etc......... and bless my dad he filled it up with diesel for me so will save me a few pennies
I have meet my target to get £50 in change by the end of july!! :j:jSo i have set a new one to make £50 again by the end of August?!?!?! will see if i make it, i should be able to cash some in soon aswell i hope. I have also had another £10 in £2 coins so that is starting to add up...didnt know if i should just keep saving them or cash them in and keep in savings account – think its prob safer to keep at home as i shouldnt spend it then ....?????
DH has been told that once again they have not paid him all his over time this mth!!!! was meant to get 11 days but got 5!!!!!GRRR:mad::mad::mad: but if he gets it next mth then that should be good as then we can keep it towards dd1 bday....
Need to buy some more clothes for dd3 as she is getting sooo big!! and also need to get school shoes for dd1 (have got the rest of the uniform) and want to pay of the mil in full if we can but now im not sure so will have to work it out when he gets paid......

ragstoricheswannabe

Hey mummy, think our fellas must work together as mine never gets his overtime when he should either!!!!!!

not much going on at my end either hun so dont worry, least we are not adding to our debt!!!!

hope your car passes its mot on fri, will keep my fingers crossed for you!!!!

hope your survivng the hols with your girls......ds1 bein a right pain in the bum!!!! oh the joys of summer hols!!!

love rags
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mummy2mygirls

Hi rags thanks for the message. I know i should be happy i am not adding t he debt -
But i just want to be paying lots and all the time
My fridge freezer is on its way out – the draws are all broken and the temp is on the coldest for both parts but its not very cold – i hope it lasts a few mths while i can save for a new one...... I was looking at some last night to get a idea of price etc and there was a really nice one thats £650 !! its bigger then the normal one but would fit in our gap – before i would have just gone for it and put it on credit!! This time i think ill save what i can and get one half the price.......Need to also save for the tiles in the kitchen!! its getting on my nerves having all these things i want doing i know i should concentrate on the debts – but they are not going to be gone anytime soon and i dont think i can live in the house like it is for yrs!! So i will be trying to save and pay of the debts i think........


Rags as for the girls in the holiday they have been ok so far as we have been busy but today we are going to have a day in the house and do craft stuff etc so will see what they are like today......

Of to have a little nosey round while the girls are being good.....

mummy2mygirls

ARRRRR i hate call centres!! I have been trying to cancel my sky account and first get moaned at at talked to like rubbish and when i said no i want to cancel they said they will just put it through and put me on hold and then after 20 mins of holding they cut me of!!!!!!!! now i am trying to call them again to make sure it is being cancelled and im on hold again!!!! they really like to make it hard so that you dont end up cancelling it!! i will not be beaten and i will cancel it!! It doesnt work and are box is broken so i am not paying £65 for somebody to come out and then £199 for a new sky + box.........

mummy2mygirls

Ok so i have just got of the phone from someone – a much nicer man who was poliet – which makes a change from all the many times i have phoned sky before!!! he said it had all been cancelled of and gave me a final bill amount etc so the man before had just cut me of for no reason!! he had cancelled just didnt tell me it was done – i guess it could have been a mistake i was cut of!! anyway all cancelled now and will save us some more pennies each mth!!

mummy2mygirls

ONLINE shopping is the only way to go for me from now on i think!!! unless its just to get a few bits! I went with all three of the girls today – spent FAR to much money and it was a nightmare!! not sure if i have everything from my list for my meal plan as it was hard to read the list with a screaming baby in my arms trying to push the trolly with the other while trying to dodge the 2 and 5 yr old that kept getting in the way.......... so i think it is safer to do it from my sofa from now on...... spent about £115!!!!!!! so far far far to much and i dont even know what i have!! lol oh well i have put it all away and will look tomorrow and amend the meal plan if needed – and will be staying away from the nasty mrT..... I even had a lady tell me that she had just used me as a example to her husband for why she wont go shopping on her own with the kids!!! thanks....


Have a wedding in a few weeks which i need to get the girls something to wear and prob the dh as he hasnt worn his suit in a good few yrs so prob wont fit!! I really hope it does otherwise thats a cost we dont need – might make him just wear a nice shirt with out the suit if it doesnt fit.......
Have put some money away for a few bits so i hope we can keep them in the diferent account and not spend it... if it lasts it is money for the car tax, mot etc etc and also some towards any house improvements or things that creep up (like a new fridge...) have done a spreadsheet so i know what is towards what etc. also has everything on it so we know where we stand as the mth goes by. Also i am keeping tract of any overpayments on the cc we make – July wasnt very good and above the min payment we only paid £22.44....every little helps.......................i hope.................. have already made a payment of £20 which was from my quidco.....so will see what i can do this mth...


Anyway going on again!!

mummy2mygirls

I have just worked out that my total debt has gone down by over £4000 since i started this dfw jurney!! Im so happy as i didnt think we had done to well at it as have added to the debt at some points due to baby car tax etc etc etc so i didnt think it had gone down by much so £4000 has cheered me up – only another £27742.92 to go!!!!!

ragstoricheswannabe

Hey mummy, your debt going down by £4k is fantastic!!!! and you know you have paid off more than £6k since you started (as your sig says) so big well done!!!!!

Its hard to see how much we have done since our lbm's just by looking at the totals we owe,spesh when they dont seem to be going down so fast.............

KEEP UP THE GOOD WORK HUN, in it for the long haul!!!!!

love rags
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smarties84

wow thats great hun x