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determined to be debtfree!

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  • Well today was a NSD :j

    i've spent the afternoon emailing Grammar schools in the area in the hope they have a space and are willing to take in ds1 :( i don't hold out much hope tbh as they are extremely popular and they probably still have waiting lists a year after initial intake. But need to try, ds is really troubling me with his mood swings. He's picked up mood a bit since i said i'd sent some emails, even though i can't promise they will have anything. I really don't want him going to the local comp it closes 2013 and not sure where he will be sent after that :(:( so will have to try and keep him where he is or pray for a space at grammar! fingers crossed all :j
    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 hope you get something sorted out for DS1.

    I like your goals. I haven't read them fully yet. Too many other posts to catch up on. ;)
    I might pinch some of them, or tweak them.
    I need to get back on the straight and narrow with MSE.

    Thanks for all your posts. Yes, I do read them to the end every day. Usually at about 5:45am on a working day on my phone, while having breakfast. :rotfl:

    I hope you enjoy your week and get some decent night's sleep. :)
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
  • banwa
    banwa Posts: 952 Forumite
    • finish de-cluttering

    Uuurgh I need to add this to my list to (for the third year running:D)
    Debt £26k 18/10/14
  • That's a great list of goals DFW :D. Will you be updating us on your progress? Hope so, it would be great to cheer you along from the sidelines :T.

    Hope you get something sorted with the school quest.

    Been
    Full LBM 26 Sept 11
  • You are putting me to shame with your goals! I really must post some myself instead of just talking about it!

    Really hope you mange to get your sons school sorted x
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • morning everyone :j

    Well i'm in London this morning at mum's house, ds1 has to go back to school later and i'm quite worried about the weather :eek: 2 fences, 1 gate & lots of rubbish have been blown/ knocked over in the night and the wind isn't letting up! I can literally see smaller trees bending nearly in half :eek: so not looking forward to dropping son off in that :eek:

    Have paid school bill :eek::eek: not impressed by the 'extras' this term.....i.e broken ceiling light divided up by naughty boys for playing rugby in dormitory. Broken head board for jumping between beds after lights out, etc etc :wall:so the extras have virtually wiped out Jan's savings towards next term :eek::think: am going to have to think up ingenious ways of finding extra money this month me thinks !!!

    I've also only got less than a hundred quid left in bank (so with child benefit each week this is around £250 to last till the end of the month :doh:really not doing well sticking to the budget am I!!!!!!

    Will look at spreadsheet when i have time, see how much i have spent on christmas 2012 so far and take the money out of next month's gift budget accordingly to top up this month. (thank god for the account with rent money in) I've bought all my xmas cards, wrapping, and most kids presents now for family so i have probably spent over Jan's budget ...! But on the upside i've got some of it out of the way!

    Awaiting emails today from everyone! Well ok, not everyone, but someone i'm expecting a refund from, the letting agency whom i've sent several letters with a ! in the subject line :cool: ummm and lots of others, can't think who!


    I had the strangest dreams last night one about eldest son coming to live with mum and attending school here and helping her around the house (she lives alone now and is NOT old & decripit :rotfl:but in my dream she was really old and could barely walk :eek:)

    And the second one was that i had a call from my letting agent and my tenants had been killed in a road accident :eek: ...........not nice dreams at all :eek: was glad to be woken up early by kids for once :rotfl:

    Ds2 is happily forging ahead potty training himself - he gets up in the morning, has a number 2 (hope you aren't eating :rotfl:) takes his nappy off half way through, cos that is when he remembers to do so *of course* therefore getting it all over himself, toilet, nappy & floor. Then he tries to flush nappy down loo, causing floods, followed by a WHOLE roll of toilet paper :naughty::naughty::naughty::wall::wall: give me strength!! Ugh! Thing is i ask him every 5 mins if he needs the toilet, 'no' is the answer, he waits until i am busy and not noticing here he is so he slips away..................what do you do with children such as this :wall::doh::silenced:_pale_

    Anyway off to check emails & wake everyone up :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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,468 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 3 January 2012 at 12:43PM
    ok have started a new page on my spreadsheet for spends that aren't in the budget- i'm going to list them here too so people can tell me off as appropriate and perhaps scare me into not doing it over and over and over again:wall:

    So up to the 3rd of Jan (and i've included today's spends)



    saucepans 80
    DS1 new clothes / hubby also -(total budget £50 so over by £26) 76 26
    Burger King :o14
    Christmas paper/card (christmas budget)7.6
    Christmas gifts (christmas budget)37
    Car mat for ds2 birthday (will take from next month's gift budget)12.5
    toll bridges 3
    Shop yesterday to feed kids 7.4
    tablets for ds1 (vits and st john wort) 20
    Juicer (taken as pocket money so not too bad) 40
    juicing book (also pocket money) 5

    So total: £302.50 :o

    I'm not allowed to spend another penny now for at least a week to make up for this :o

    In red is the spends that don't belong to budget £162.90 :eek::o naughty DFW!!!!!!!!!!
    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
    edited 3 January 2012 at 1:32PM
    Naughty Naughty you - is that ok? lol

    I read your post too quickly but didnt see that you were dreaming so thought your tennants really had died - i was shocked as your just getting sorted and didnt want you to be let down. Anyway its all a dream on reading it properly :)


    Its horrible weather here and OH cant work as the port is shut so he will have a nice easy day at work hanging round the office i think.
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • Morning all, i'm exhausted, was in car driving for 5 or 6 hours yesterday with at least 2 kids at all times= not fun! Got home around 10 pm in time to watch Eastenders lol

    Today i've cleaned out car, dropped dd off at nursery, am awaiting two deliveries one from rosspa & the other from approved foods :j i'm oddly excited about it :rotfl:

    I am waiting for dh to get home so he can follow me to garage so we can drop car off for service! Good news on the car (i think) ...... i went to see my lovely grandad yesterday and he checked the power steering fluid and it was low so we went and bought some £13.99...and the noise went away :j:j car fixed for less than £15 :j:j:beer: still needs the service though :( so still a couple of hundred quid!

    Have received some kids clothes from adams for xmas pressies they look really nice so happy with that! half price & cashback :money:

    Anyhow i best run need to check bank, call dh and see where he is at this rate the car will be in too late to be looked at :mad:
    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
  • Well car dropped off :) we asked how much it would be for service, and they nearly had to pick me up off the floor :eek::eek: £300+ for basic bl00dy service. WTH!

    That will be the last Volvo see of me ;) I shall find a cheaper alternative next time! Who cares about a little stamp in a book on an 11 year old car huh!

    Missed a delivery :( am hoping it wasn't the food! Other delivery i know is due around 3.30- right when i have a dr's appointment! so hoping dh doesn't get called out to work in that hour :rotfl:

    Need to find £300 now for the service............ :eek: hoping there will nearly be enough in the 'car' fund then i can top it up as months go on for the insurance as it's not due till July! I didn't budget for a £300 service though :eek: i thought it would be £200 tops - just goes to show how much i know :o!

    DS2 doing well with potty training :T DD however had an accident at nursery so i had to take her home wet & upset :(! oh dear, one step forward, two steps back!
    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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