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determined to be debtfree!

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  • I hope you feel better soon. Three of us need our flu jabs, but every time I go to book another one of us has a cold. I might have to do separate trips this year. :eek:
    You have to start to finish.

    LBM - September 2011 ~ DEBT FREE July 2012
    Debt Sept 2011: [STRIKE]£11,276.05[/STRIKE], July 2012: £0
    VSP Challenge #69: £18.12
  • lol i remember one year i had to cancel so many times due to colds/flu that by the time i got it it was February and probably too late anyway as i'd caught everything that had gone round!
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • oh oh and i forgot to add, my books have been received by amazon and i now have £21.10 in my account with them :D i'm not sure how i get it out/ if i can get it out or whether i have to spend on their website though so will look in to that. If i can i will get vouchers and put towards next yr :)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • :o me again .......pending collection i have re-sold my item this time through guntree :j i had 3 emails that i hadn't spotted earlier for the same item :j so if this one let's me down too i have a fair few interested :T

    They are coming 4pm tomorrow after i get back with ds1 :T that money will go into my bank on monday or i may use that for a top up shop (still under budget :eek:) to last till tues's delivery....we'll see, either way i need to curb all spends now till pay day (already have money out for swimming on sunday and money in savings for petrol :))
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • It's nice to hear from you so many times today! :D

    I hope you're soon feeling better. At least you had 11 hours sleep last night which will help.

    Have a nice week-end. :)
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
  • :wall::wall::wall: Have spent the last half hour searching for my keys :mad::wall: AGAIN!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


    ARGHhhhhhHHHHHHhhhhhhhhhhhhHHHHHHHHHHHHHHHHHHHHHHHH

    They go missing every day, totally fed up of it. Yes i know, it's my fault. To say i'm forgetful & scatty would be putting it mildly :o

    I even tried putting them in the same place every night. But nope i didn't do it yesterday, left them on the coffee table. So one of the kids have moved them for me and when i say 'where are mummy's keys?' i get a look of complete confusion :huh: and they suddenly turn deaf & dumb :silenced::think:


    Ok well luckily I have another set of keys. Just a shame they don't have the online bank thingymajigy on it..........how will i go the whole day without checking my bank :shocked: :panic:panic: <
    yes i realise i have ocd :rotfl:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • haha that was supposed to say *panic* lmao
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Just found you (one of the perks of being moved to the diaries board I guess!). Great thread DFW, all sounding just a little bit damn fantastic!! :D xx Julie
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    PS - re: the Amazon credit - I assume this is via their trade in offer. Its terrific I used it this year, you have to spend the credit on Amazon - I managed to rustle up enough trade ins to buy Cole 2 of the newest X Box games from Santa - I do believe they call that money for old rope ;).
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50 wrote: »
    Just found you (one of the perks of being moved to the diaries board I guess!). Great thread DFW, all sounding just a little bit damn fantastic!! :D xx Julie
    :wave: hiya hun! aww shucks you're making me blush :o:p

    I hadn't even realised that your thread wasn't on the diary board :o that just re-iterates my point of being completely scatty :rotfl:

    gargrave50 wrote: »
    PS - re: the Amazon credit - I assume this is via their trade in offer. Its terrific I used it this year, you have to spend the credit on Amazon - I managed to rustle up enough trade ins to buy Cole 2 of the newest X Box games from Santa - I do believe they call that money for old rope ;).

    Yes it was :T I only found it the other day!! And in 2 days they had credited my account :D not bad for some old uni books that were destined for the charity shop! Going to see if i can trade in some more on there now to get some more wonga :p it all helps as they say!

    I've already got everyone's xmas pressies, but dh wants to buy me something and we've no money in the budget left :rotfl: (i didn't plan that too well did I!) so i might just let him have that as it's spare!

    dfw :D
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
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