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Thats another fine mess I got myself into
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LOL no probs hun.
God I would love a fag xLBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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Any news on the bathroom ?MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Just the news I expected - No Change.
He has now brought in some paint - so guess who is painting bathroom before SIL arrives!LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
0 -
So I have painted bathroom - first coat but will have to buy another tin
He has gone to get tiles - £4 per box - you can just imagine the quality of the plain white squares!! But as mentioned previously it is a 'make do' job for a few years until we can afford to replace suite.
I can't see us ever leaving this house as DH has converted garage into a bakery and thus works from him.
Got paid - thank God. But dont want to transfer to CC yet just in case Halifax do not change mortgage payment to interest only. Got to the end of the month with some of my o/d left - amazing and I can't remember that ever happening.
Currently doing meal planning/shopping list as going to a work meeting (yes I am off but this meeting is v important and by being there today will hopefully cut out extra work in the future) and there is an Asda and Lidl in the the town I am going to (nearest supermarket to me - 18 miles away!!)
Do you all plan every meal or just most?
Happy Wednesday to all and esp IMD who gets the 'its just not fair' award for this week (and who will undoubtabley get the 'overcame adversity' award next week.LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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I just cleaned my bathroom so hard my fat wobbled!!!!0
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LMAO - excellent
I am embarassed to admit that I have had sore muscles the day after I have 'scrubbed' the house!LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
0 -
The £4 per box of plain white tiles will look the same as £10 per box ones once they're on the wall!
Wise move to hang on and see if they have changed your mortgage to interest only - I don't trust companies anymore!
I meal plan everyweek - I have also been convereted to the 4p Tesco Value Curry Sauce, how the hell can they make it so cheaply?LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
Yeah I meal plan every week as well. I tend to shop for 7 meals and then decide on the day which meal we're going to have.
Am looking around my house and it looks as if I've been burgled, how on earth can a 12 year old make so much mess? Off to colour my hair (very money saving bought 2 dyes on offer a few months ago) and whilst hair colour is developing I'll scrub the bathroom, hopefully I'll scrub so hard that my fat will wobble too LMAO.....12/04/2019
Savings £134 nothing changed here
Credit Score 134/700 - Jan. 171/700 - Feb. 151/700 - Mar.0 -
REDMADCURLS wrote: »Happy Wednesday to all and esp IMD who gets the 'its just not fair' award for this week (and who will undoubtabley get the 'overcame adversity' award next week.
Thank you honeyTo add to my woes the boiler has died too, I might make it sit in the car and they can talk together about making my life hell and perhaps put a copy of the gas bill in there for good measure?
I (read OH) meal plans until he burst and just buys what we need and it really does seem to work. We rarely go to the shops mid week unless it's a chocolate fix and we are only going over the £70 food budget but a couple of pounds every week, compared to the regular £100 weekly bills.
Hope the Halifax have done their job and changed the payments for you. Richard will miss you you know and try and entice you back......1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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Oh and the tiles thing, we bought expensive ones for the bathroom and not so for the kitchen and they look exactly the same! Good grouting does wonders!1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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