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determined to be debtfree!

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  • :eek: Eek!!!!!!!! Just totted up the spends on grocery for december (the bulk buy at beginning of month) and the trolleys are estimated at £260 altogether :eek:

    Think I will have to see what I have bought when it has all arrived :eek:

    I know I have spent £40 on nappies & wipes, £10 on household cleaning stuff & clothes washing powder. So that is £210 left to account for :o oooh yes and £7 on toilet rolls, £4 on shampoo/conditioner so that's another tenner so only £200 left to account for :p

    WOW i hope A LOT of stuff turns up in the next two days :rotfl:!

    Need to do budget this afternoon! Could have done it all this morning but te$co kept crashing and then showing things out of stock in my basket so i had to get from elsewhere .......I hope nothing major is out of stock or i'll be taking a trip to the shops anyway!
    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
  • i've done the hoovering and washed & dried two lots of washing. Not very mse with the tumble drier! (ds2 broke my airer a week after buying it :( )

    I've emptied a whole cupboard (only the size of an airing cupboard so not huge) and it is to put my bulk buys in from now on :T it used to be called the eBay cupboard :p but that pile is now reduced to a wash basket :T:j

    And speaking of good ol' fleabay, I have 5 watchers on one of my items :j starting bid is £6.99 so hopefully i will get a tenner for it :) no watchers on the other bits yet but still have 5 days left


    I'm dropping off something i sold on fb tomorrow morning so another £18 :j then i'm going straight to bank with money and will transfer everything out to savings as we get paid on Weds (at last!)



    AND MY GOOD NEWS: DH text me earlier and he has completed his course & no broken bones :j now we just have to chase up the back pay and wait for the extra money to go on the wages each month (knowing a&my will take them a year to do this, so am not including anything for debt busting until we've got it) someone else on the course, however, did require an ambulance :eek::(!!

    After bills have been paid i've worked out we have around £470 left to last the month (this is not including the £250+ shop i just did :eek:) so that has to cover petrol, extra food each week, any presents we may have missed (i don't think i have missed any though- and they are all wrapped :A) erm and entertainment money & pocket money. so hoping there is enough :)

    The petrol tank is still half full so hoping we can pick ds1 up on that :) anyway whilst kids are watching Dora i best go clean dinner mess up (cos i am going to bed at 7pm too :rotfl:)

    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
  • I thought you were going to bed at 7pm. MSE shows you are still logged on! :D

    I like the optimistic look of the petrol tank. It is half full!!! :p:D
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
  • bonnington wrote: »
    I thought you were going to bed at 7pm. MSE shows you are still logged on! :D

    I like the optimistic look of the petrol tank. It is half full!!! :p:D

    ahh you caught me :rotfl: I was in bed for 7 all ready to go to sleep............ds2 was being a pain in the butt and refused to sleep so i put the t.v on for him in bed and he promptly fell asleep and i was left wide awake :eek:!!!!!

    SO then i went onto ebay, and :o:o spent :o:o £12.50 something on a cinderella dress for my dd :o she was desperate for one and kept telling me that all her friends had one (excuses........) AND it was cheaper than buying from shop :D am i forgiven diary?!!

    BUT I am going to bed NOW lol! so night night :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
  • Thats great news that DH will get a payrise and didnt require an ambulance, lets hope the Army sort it quickly for you x
    Electric and Gas Predators 17/£700 :(
    :j:j:j October make £10 a day challenge :j:j:j
    £155/£310
  • Morning,

    just a quick update, checked bank and hubby's pay is lower than normal :( about £100 and i've made lots of silly spends on kids 'extra' pressies grrr i'm quite angry with myself really! I'm off to drop dd off now though and sell that toy for £20 so will drop money straight to bank........it will help a little :o!!! He gets paid tomorrow and bills due out on 1st so i'll just have to see what is left i suppose. At least food is ordered if worst comes to worst :)

    Be back later :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
  • slm6002
    slm6002 Posts: 4,405 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Great news about OH passing his course injury free, but not so great about wages being down. Does OH have any ideas? I have been very good this morning as only took a small amount of cash with me to the shops for things i actually needed. Left card at home or i could easily have spent over £40 on extra stuff. We will have money one day :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 30 November 2011 at 11:18AM
    thanks slm :)

    Well i got £20 for the toy (we'd agreed £18 but she paid me to drop it off too, ah bless her) and quite literally as I was coming out of her turning my warning light goes on in the car *sigh* only a bulb gone, but it was dark -ish (and 9.45 am??!!!) and thought i ought to be good and get it fixed immediately. Or else it's one of those jobs, that dh is 'doing tomorrow' for ever more!

    So into halfords, £16.99 :eek::eek::eek: later (i thought that was a TAD expensive!) and i have a few quid left from my sale :( but to look at this positively, i didn't use my card, so the expenditure was money neutral really, and i've even got a few quid left :p!!




    So jobs this afternoon (if i write them here does that make me more likely to complete them, i wonder):
    • [STRIKE]washing up (need dishwasher salt and shopping not due till 3-5[/STRIKE])
    • put dishes away half done!
    • do another wash
    • change kids beds
    • [STRIKE]
    • tidy cupboards [/STRIKE]
    • [STRIKE]
    • clean freezer[/STRIKE]
    • [STRIKE]put freezer back on so is cold in time for shopping[/STRIKE]
    • dry clothes
    • put clothes away
    • hoover front room
    • make dinner (spag bol)
    • put shopping away when it gets here- and stock up the 'stock' cupboard so dh can't find it all at once and eat it al!!
    That will do for now, i have others but will crack on with these first :rotfl:

    Think i may have to put heating on too i'm frozen! AND how cold was it last night (very) !!!!!!

    :cool:
    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
  • Just received an email saying my new tenant wants to pay the 6 months in advance, :iloveyou: i think i love this tenant already :love:!

    So now to open another savings account and put all money in there and just release 500 each month for dmp & bills :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
  • slm6002
    slm6002 Posts: 4,405 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    How wonderful. Is it normal to do this? I cant imagine ever wanting to pay rent or in my case mortgage 6 months in advance out of choice. Guess if they have the money there ready it saves them spending it. Good news for you though :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
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