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Mummytogirls - 100 years to be debtfree - I think not!

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Comments

  • You can't beat a bit of pegging out...:rotfl:.

    Great start on the NSDs for March......nearly the weekend. xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Morning Diary,

    Woohoo to Friday :j!!! Just a few short hours away from chilling out for a whole 2 days.

    So last night was parents evening, absolutely thrilled with my little super stars, although I have now come away feeling a bit anxious about the future and im not sure if im just over reacting a bit. Basically DD1 is in year 1, she is very clever and has a fantastic teacher who is constantly pushing them to the next level etc. I know she is only 6 but knowing how she performs for the teachers who push and praise her makes me worried about what happens if we get a teacher who doesnt push them. DD is incredibly clever but can be lazy and would be dragged along if she felt that way. I think im probably just being ott here but I did feel a bit worried last night!!

    Anyway, so today I have an appt with the bank at 12.45 to change the kids bank accounts to where ours are. I will also go to boots and buy some things with my advantage card points I think as I need some mascara and makeup removed. DD1 came home with a book token yesterday so I will go to Waterstones and see which books are on offer.

    Think thats all from me! Ive parked in the free car park today :money:, hoping to leave earlier than usual as its about a 15 minute walk to it!!! Think thats all from me. Catch up soon xx
    Mummytogirls x

  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Sorry forgot to reply to Choo and Alice!!

    Choo, the kids were surprisingly very well behaved!! I was shocked as I know there is a few wildcards in the class!

    Alice, im missing the pegging out :rotfl:!!

    Happy Friday peeps xx
    Mummytogirls x

  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Happy Mothers Day mummies xx

    Hope everyones having a lovely day, I have been thoroughly spoilt by my girls, loved the home made gifts and cards they brought home but equally love my new yummy mummy heart charm for my bracelet :D. Breakfast in bed wasnt too shabby either :rotfl:!!

    So we are off out this afternoon with our families for a meal at the new Italian we have found. Think we will pop to Mr S on the way to get the girls some red noses aswell!!

    Have a great day all xx
    Mummytogirls x

  • Happy Mums Day to you too Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Morning Diary,

    Wow how cold this morning... bbrrrr!! Its actually been snowing on and off, that can do one. Had to get on the bus this morning as DH couldnt go on his bike with the snow, hate getting on the bus!

    Thanks PLMBL, hope you enjoyed your day too.
    So we had a lovely chilled out day and then we went out for our meal. That was lovely too, spent about £75 :eek:, I knew we would spend about that though and it was nice.
    Got home around 7pm, got the girls into bed and then went to bed myself haha!!!

    Today has already been a spend day as we needed milk for the office.
    Tonight its my turn to take DD2 to her swimming lesson, not even got a clue whats for tea! Hate being unorganised but last night I just couldnt be bothered to move when we returned home.

    Think thats all really from me. Catch up soon xx
    Mummytogirls x

  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Morning Diary,

    Brrrrr how cold has it turned! I am absolutely full of cold today, started yesterday and I could not get warm at all but I just put it down to it being a bit chilly in the office. Woke up at 6am with a full blown cold... poor me :(!

    Did anyone watch superscrimpers last night, that guy who spent all that money on socialising and taxis, made my eyes water haha!! He could have a full house for that!

    So 2 weeks until payday, absolutely desperate to get there and pay off more %!

    Work today but only actually physically in the office until 2.30pm. DH was in a mood this morning I think. There was minimal amount of snow on the our road but he didnt want to take his bike out and I think he expected me to say id get on the bus. Truth be told im fed up of the bus when theres the tiniest bit of snow around, dont mind when its horrendous as I dont like driving in it anyway! Anyway, after realising he was on the bus home he soon decided it was ok to get the bike out after all. He reckons he doesnt mind getting the bus, but funny how he always manages to wriggle out of it!
    I totally get that the bike is a cheaper solution than another car but how can it be cheaper when you cant ride it all winter due to bad weather!!

    Nevermind anyway! Best get on, catch up soon xx
    Mummytogirls x

  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Morning Diary,

    What a lovely sunny day today, makes me smile when its like this!
    So yesterday was NSD5, today however is a spend day.
    Needed petrol this morning so £50.25 there. Need to pop out at lunch time for a present for a party DD2's got on Sunday.
    Going to pop to ELC and see if theyve still got the good offers on games etc.

    Tomorrow will be food shopping day so no NSD there either, hopefully Friday which is an annual leave day for me :D.

    So I need to share some news which I cant really share with anyone else but you guys! I think baby number 3 maybe on the cards!
    I am quite happy with just the 2 but DH keeps letting slip about having another and again last night whilst watching 16 kids and counting he mentioned it again!
    I said he needs to decide what he wants, a really good life financially once the debt is paid off or a bigger family!!!
    Nothing will be happening before September anyway as I am away in Ibiza for a hen do then and wouldnt want to be pregnant then! So if we do decide to go for it at the back end of the year it would coincide nicely with the debt almost being paid off. We will see anyway, he changes his mind about things frequently!!!
    DD1 is going to be 7 in November and I wouldnt want the age gap to be much bigger than that in all honesty. DD2 would be 5. I must be mad, just getting the youngest off to full time school and then thinking about another :eek:!!!

    Think thats all from me anyway! Catch up soon xx
    Mummytogirls x

  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey mummy!! I usually lurk a bit here but just wanted to pop out of lurkdom to say "ooh how exciting if you do decide to go ahead with bambino number 3" I love babies :)

    You are doing so well at knocking that debt down. August 2014 will be here before you know it and by then you will probably have paid it all off since you are knocking the months off too :D

    xx

    *scurries back off into lurkdom*
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Oh hello GAP! long time no 'see'!

    I think no3 is an extra incentive to pay off the debt quicker as I would hate to think of going on mat leave again with debt hanging over us.

    It does feel bizarre knowing that months are ahead though as with DD2 we decided on having another and got pregnant more or less straight away! Hope things would be as straight forward again but ive read so many stories about people having trouble with subsequent babies I dont think you can take it for granted can you! Its probably a good job I am going to Ibiza or I might be swayed to have one sooner!!!!

    Hope your ok xx Hows little gap and Mr gap? xx
    Mummytogirls x

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