Memorygirls - Make Do and Mend

Memory_Girl

Dorastar wrote: »

Wow I am in awe of you memorygirl - have read through your whole thread and decided I am a right old wimp and I can definitely improve the way we are living/dealing with our money(or lack of it). I am going to have to steal some of the cooking ideas and am already using the 15mins idea, but really want to get back to basics a lot more.

Have also worked out the mortgage idea and £5.70 a day seems a good thing to aim for then if some extra comes in can cross out a few extra days!

Thank you for making everything seem so simple and ultimately possible:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

Welcome abaord Dorastar

Did my £4.13 again today - thanks for reminding me.

And ................ well its got to be simple. With 2 kids and (ssshh a school to reonovate in Gulp!! 84 days:eek:) its got be idiot proof. And doing everything in 15 minute chunks ia about all you can do with a toddler in tow - LOL

I feel good - I feel like I have already made 2 overpayments on my mortgage - although technically I haven't yet.

Yay!!!!!!!! to all of us getting our act together

Memorygirl

ClootiesMum

We only get the decent channels as we have Sky.

Have a good week all as I'm off to London tomorrow for 4 nights - Santa gave DH Rod Stewart tickets for Christmas & we've managed to get good rail & accom prices so we're off (@ 5.30 in the morning though :eek:).

I might keep in touch as I'm taking the netbook but we just might be too busy galavanting & walking London....

CM

Memory_Girl

Firewalker wrote: »

MemoryGirl, find your idea about the tree is absolutely irresistible. Would you mind if I use it to track progress on debt payments initially?

Firewalker

Oooh!!! wouldn't it be cool if we could send Martin pictures of our beautifully coloured in trees:o

Mind you, with the state of my colouring in I don't think he'd give me a gold star:rotfl:

I find having something visual really motivating - spreadsheets are necessary, but I don't find them too inspiring. Mind you I have friends that do :rotfl:

Memorygirl

Memory_Girl

LittleBit wrote: »

Wow Memorygirl you are making me rethink my whole attitude towards spending. I am LOVING the tree idea and the 1000 smaller payments. If I do the 30 days towards 1 of my 1000 payments then that will be £5.73 per day. I hope you don't mind but I'm going to pinch it for June. Am looking forward to reading more of this thread. You're a real inspiration

Hello LittleBit

Lets go for it in June then - 30 day challenge for everyone to colour in one of their leaves. :beer:

Need to get my thinking cap on to come up with another 999 ways if you guys are all going to play along. Mind you it will be real fun to have some company on the journey towards financial freedom.

Memorygirl

Memory_Girl

ClootiesMum wrote: »

Memory Girl - if all your ideas are as brilliantly simple as number 1 then I might have an idea for number 2.

Write another book.

From the other posts on your thread then it looks like other people are as impressed & as in awe as I am (& want to steal your ideas) of your ideas - so why not put them together and market them?

But test them on your thread first of course so we can get them for free

CM

If I survive the next 84 days - I promise to concentrate on writing something cool for you all to have as a Christmas present - hows that??

Erm!!! the school is going to have chooks - don't suppose your ladies could hatch us a few for late Aug??

Well - the theme for the next 84 days is going to be "if you don't ask you don't get":rotfl:

Memorygirl

ClootiesMum

don't suppose your ladies could hatch us a few for late Aug??

Much as they would love to help you they don't have a boyfriend.....Sorry

Anyhow - have spoken to Clooties Dad & he knows someone who breeds chooks - once we're back he'll ask her what the story is. And I may have some chicken wire lying around - again, I'll look when I get back.

LittleBit_2

Memory_Girl wrote: »

Hello LittleBit

Lets go for it in June then - 30 day challenge for everyone to colour in one of their leaves. :beer:

Need to get my thinking cap on to come up with another 999 ways if you guys are all going to play along. Mind you it will be real fun to have some company on the journey towards financial freedom.

Memorygirl

I would love to, but I am shall we say artistically challenged. I tried to draw a tree 3 times last night and then gave up :rotfl:
I thought I might get some graph paper and draw a house with 1000 bricks inside instead

cha97michelle

I don't think i would manage to pay something off the mortgage every day as much as i would love too. Just too much going off. We are going away at the end of the month, and while we are away having our boiler swapped for a new one, and also having our bathroom replaced at the same time. We were fortunate that the ILs gave us pennies to do this, and have also let us use their 2nd home on the kent coast while the work is done. Also my dad recommended a friend of his and his son to do the work, so i will be able to trust them and relax while the work is done.

I am however thinking to myself that i will adopt your idea of making £100 last as long as i can. We have about this much in the bank account, and i want to try and make it last until we go away, which will be the 25th of June. I should be able to do that at least as we truly have not much apart from the money for the work. I won't include anything we need to purchase for the work though, as i know we already need to go and buy loft boards tomorrow. DH has been canny though and found some cable and an electrical socket he needed knocking around at my parents house today, so that should save some pennies.

It is a whole new mindset now. It has to be compared to when i was working.

Memory_Girl

ClootiesMum wrote: »

Much as they would love to help you they don't have a boyfriend.....Sorry

Anyhow - have spoken to Clooties Dad & he knows someone who breeds chooks - once we're back he'll ask her what the story is. And I may have some chicken wire lying around - again, I'll look when I get back.

Ah! they have my sympathies but life is probably quieter for you without a bad boy in the roost - very noisy from my memory.

That would be grand - going to contact some "Woodland Folk" to see if they can help making the hen house and runs.

Waaaaaaayyyyyyyyyyyyyy telephony day today -even though its a Bank Holiday down south I am beedling away.

Can't wait to tell you whats in store - but can't until its confirmed, but I am pretty excited.

Memorygirl

Memory_Girl

I know what you mean Michelle. But good on you DS for scrounging up the bits he needs. It's those little "extras" that really blow the budget for me.

I could create a new bedroom for the baby next to a room upstairs if I oculd only find about a dozen sheets of plasterboard hanging around somewhere - LOL. I've got the door, the hardware, the ames tape, the lining paper, the paint (£1 a tim) and decor wallpaper (50p for 3 roll), the extra skirting, door sets and architrave - just no walls up:D

If this months going to be frantic - then I challenge you to have 50p left from your £100 at the end of June. Then you can join us in paying something off in July - It's still a success.

I was reading somewhere on this site that if you are out of debt - and are just about surviving on your income then you are in the 30% most affluent in the country - thats where I am aiming for (although they didn't specify the mortgage needed to be clear so I may get there years ahead of schedule anyways.)

Every penny is hereby held hostage until I decide what to do with it:j

Memorygirl