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determined to be debtfree!

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  • stripes
    stripes Posts: 323 Forumite
    I'm still reading and its a fab motivational diary. Good luck for 2012:j
  • thanks beencounting & stripes :) i feel better for writing that, makes the bad days seem small in comparison to all the good things we've achieved :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
  • What a great list of 2011 achievements! Here's to even more in 2012! :beer:
    Savings target: £25000/£25000
    :beer: :T


  • choogirl
    choogirl Posts: 1,274 Forumite
    Hi DFW

    The good list is a brilliant idea, will be pinching that for my diary. I agree the good list should definitely outweigh the bad. Another one for your list could be - Coped with 2 little ones whilst DH was working away and still managed to achieve all that you have xxx
  • banwa
    banwa Posts: 952 Forumite
    Well DFW the Good Thing Bad Thing lists look very familiar indeed.;)

    Truly fab achievements for the year, you should be so proud of yourself:T. I hope mine for next year will be similar

    Banwa:)
    Debt £26k 18/10/14
  • banwa wrote: »
    Well DFW the Good Thing Bad Thing lists look very familiar indeed.;)

    Truly fab achievements for the year, you should be so proud of yourself:T. I hope mine for next year will be similar

    Banwa:)

    :rotfl:yes i admit, stolen from your good self ;)

    I can't seem to do it daily though, i like to talk too much :rotfl: so will perhaps stick to yearly, maybe monthly updates of good & bad :T:p
    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
  • Morning :j

    Well we've been paid :T:j wohoo! and £50 more than was expected :j so that's good because that can go towards the saucepans i said i was going to send back and *cough cough* didn't send back, in fact are sat in my cupboard right now *cough* :o

    They are very nice though in my defence (:o:D)

    I've also ordered a juice book from amazon (thanks to kissjen for link) and am doing a detox in Jan once kids back to school/nursery & dh is away :)

    School fees are pending to pay into my account on the 3rd so can pay the school on the day i take ds back.

    Yesterday I took down most of the christmas decorations, the tree is still up but moved so i can get the toy boxes back in place lol and its now in front of the window -blocking my radiator- *smart move*

    Need to go shopping today, we've run out of washing powder and few other things. Have enough dinners in for at least a week :T so hopefully not big spends there. I tried to buy from approved food last night and the site wasn't letting me take my basket through to checkout ??? really annoying as i spent 2 hours trying :( i have emailed them but i'll have to re-fill basket for third time if they have fixed it :(:( grr!

    Have put some targets in signature for 2012. Have decided to do a yearly food budget so i can spend more on months where kids are off & dh is off work (xmas & summer) and less when it is just me and 2 small ones cos dh is away. I also want to try and build up some sort of stock cupboard with essentials in (which is where approved foods came in last night- grr again) i thought i could get shampoo & conditioner & stuff for the year but we'll have to see lol as i can't work out that silly site :eek:!!
    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
  • Hooray for payday! :)

    What's approved foods?!
    Savings target: £25000/£25000
    :beer: :T


  • food that is near it's sell by date so they sell it cheaply but usually still has a good shelf life, such as pasta, tinned stuff & biscuits & loo roll etc they haven't emailed me back yet and i haven't been on the site to see if it has been rectified.......might be a job for this afternoon *yawn*

    I got some post today, a free full size body shop masque for my skin type :T just goes to show what a good complaint letter can do :p it's a shame they messed up my order though, i'd have rather had that lol! never mind!

    Am 25p from payout STILL :mad::mad: on a survey site, and no offers of surveys! Typical, as soon as you get to £9 on that one they all dry up! I still have around £2.50 pending though so as soon as that goes through i can redeem another voucher ;)
    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: 4,402 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sounds like things are falling into place for you. I need to take tree down today as well as LO keeps pulling decorations off it now she is moving about!

    Only thing i wouldnt order again from approved foods is the choc bars. I wasnt sure they tasted right to me. Kids ate them though with no ill affects :)

    It must be lovely to have shool fees all ready for when its needed rather than worrying about it. Probably such a change from this time last year as you have come so far. Loved your lists from yesterday :)

    Right off to update my diary as i have let things slip lately - whoops x
    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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