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determined to be debtfree!

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  • ooh just managed to fill out 2 surveys for £2 each :D only £13 in my balance though and payout is £50 :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
  • Spends since yesterday:

    £25 topping up ds1 phone-( i messed it up, first time i had done it online and was supposed to put £15 on and i ended up putting £25 on grr)
    £5 for hairdresser
    £1 for nursery (pays for this half term if they do baking)
    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 it's nearly the weekend :j

    Have this morning had my hair cut, washed, conditioned (with posh conditioner that stays in your hair i'll have you know ;)) and dyed! :D feel very nice and relaxed and i didn't have to take kids :j got a friend to collect dd from nursery & dh had ds and he had to go to work 5 mins after he collected me which was cutting it short but all worked out in the end :T

    I've been screened out of nearly every survey today so given up on that today! Need to check bank account as i need some margarine & other lil bits from shops. May just go without until monday though! Would have been a nsd but i tipped the hairdresser £5 :o (bit extravagant really but the groupon deal was such a good price so £30 for everything including tip i thought was good :o)

    DH is off on Sunday for a month or 2 (hummmm i know i should know where my husband is and when he will be home but such is the life of the army, you eventually give up asking :D)

    Will try and catch up on some diaries today have been popping in and out but not had much chance to post yet!

    I spent an hour de-cluttering my kitchen last night :D by de-cluttering i mean i have added a juice machine to the side & emptied a bookshelf of c.d's off and filled it with books instead :D:rotfl: really think i might need some coaching on this 'de-cluttering' lark !!

    Glad you had a chance to spend a nice relaxing time at the Hairdressers, such a lovely treat. It always always rains after I have had my hair done, so I dont even bother asking them to blow dry it anymore ! I was amazed when I orginally started setting up the DMP that we were allowed money in the budget for haircuts, think the guy at the end of the phone was a bit lost for words at my excitment as I had neglected getting it cut for so long and had been dying it at home, not with the best results !

    Sorry to hear hubby is off on Sunday. Sometimes it easier not knowing where they are going, or pretending they are off to some wonderful destination ( Barbados!) for example, then it helps with the worrying ( Not the jealousy though, if you pretend he is in Barbados and you are stuck at home !:rotfl:) Same with the duration. We used to do little sticky charts, put aTinkerbell sticker over the date at the end of each day he had been away ( the girls were much younger then) , but in the end we decided to only do it when there was a week left and start to countdown then. I always find I make myself so busy the time flies by , but by the time he gets home I am so frazzled and exhausted I collapse in a heap. Anyway you are no doubt an old hand at this and I am teaching you to suck eggs !

    Anyway wish him well wherever in the world he may be off to.

    Have a good weekend

    Pinot 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
  • Glad you had a chance to spend a nice relaxing time at the Hairdressers, such a lovely treat. It always always rains after I have had my hair done, so I dont even bother asking them to blow dry it anymore ! I was amazed when I orginally started setting up the DMP that we were allowed money in the budget for haircuts, think the guy at the end of the phone was a bit lost for words at my excitment as I had neglected getting it cut for so long and had been dying it at home, not with the best results !

    Sorry to hear hubby is off on Sunday. Sometimes it easier not knowing where they are going, or pretending they are off to some wonderful destination ( Barbados!) for example, then it helps with the worrying ( Not the jealousy though, if you pretend he is in Barbados and you are stuck at home !:rotfl:) Same with the duration. We used to do little sticky charts, put aTinkerbell sticker over the date at the end of each day he had been away ( the girls were much younger then) , but in the end we decided to only do it when there was a week left and start to countdown then. I always find I make myself so busy the time flies by , but by the time he gets home I am so frazzled and exhausted I collapse in a heap. Anyway you are no doubt an old hand at this and I am teaching you to suck eggs !

    Anyway wish him well wherever in the world he may be off to.

    Have a good weekend

    Pinot x

    Thanks pinot :) (p.s did you get the inbox msg i sent you re surveys)

    That's a great idea with the calendar & stickers, mine were either too young or too old last time to do things like that so may have to do that this time :) dd is 3 now and loves stickers lol & ds is 2 and half so he may understand a little more this time. Last time was awful dh went when ds2 had just turned 13 months and dd was 25 months so they just cried and cried when i tried to explain daddy was actually coming back 'eventually' !

    I also have a book somewhere -my daddy is going away- or something like that must dig it out!

    I have budgeted £10 a month for hair cuts but tbh very rarely use it as i cut everyone's hair and i dh does his own so it was a nice treat to get a salon colour & cut :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
  • Ok,

    Today= no planned spends so a NPS day :rotfl:let's see if i can turn this into a NSD :D

    Yesterday I broke my mobile and the spare we had isn't charging :( so i don't know what to do. I don't really use it very often (cos it's so rubbish, now if i had an iphone......:cool:) so i may just live without one for a while......although i really do like one incase of emergencys. hmmmmmm :(. Thing is we don't really have any emergency funds left after the car. Oh well, will just have to wait until next month now.

    2012 and was supposed to be a good year dammit why is everything going wrong :mad: especially money wise grrrrrrr!

    Anyway must go need to get dressed yet :o and get ready for my meditation course :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
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Thanks pinot :) (p.s did you get the inbox msg i sent you re surveys)

    That's a great idea with the calendar & stickers, mine were either too young or too old last time to do things like that so may have to do that this time :) dd is 3 now and loves stickers lol & ds is 2 and half so he may understand a little more this time. Last time was awful dh went when ds2 had just turned 13 months and dd was 25 months so they just cried and cried when i tried to explain daddy was actually coming back 'eventually' !

    I also have a book somewhere -my daddy is going away- or something like that must dig it out!



    I have budgeted £10 a month for hair cuts but tbh very rarely use it as i cut everyone's hair and i dh does his own so it was a nice treat to get a salon colour & cut :cool:

    :)

    Yes thankyou I did, have replied to you now, sort of !

    I really do feel for you, my eldest used to get up in the morning and spend ages wandering around the house looking for him ! I can remember finding her in the wardrobe one day and when I asked her what she was doing, she replied that she was just having a quick look for Daddy ! Never did get to the bottom of why he could have been hiding out in the wardrobe !! Am I really that bad that he needed to squish in there to get away from me ?:rotfl:
    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
  • banwa
    banwa Posts: 952 Forumite
    By 'eck dfw you've been busy. Your car bill was truly astonishing but at least it is out of the way for another year.:cool:
    Debt £26k 18/10/14
  • Sorry to hear about the cost of your car. :(

    Also sorry to hear DH is off for a while. It obviously puts extra pressure on you. :(

    Glad to hear about Rosspa. I Googled them and their prices look cheap. We might give this a go at some stage. :):)

    Hope your week-end is going well at the moment.

    Take care. :D
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020

  • 2012 and was supposed to be a good year dammit why is everything going wrong :mad: especially money wise grrrrrrr!

    Now, now DFW!! Cars and phones, hmmm sounds like a recipe for spending more than planned! I'm sure it will even itself out over the year.

    Your diary is very positive, so I'm sure this is just a blip for you, and anyway, think of all the money you're going to save over the next few months when you don't need to buy food :D

    Keep it up DFW, you're doing great :)

    Been
    Full LBM 26 Sept 11
  • Now, now DFW!! Cars and phones, hmmm sounds like a recipe for spending more than planned! I'm sure it will even itself out over the year.

    Your diary is very positive, so I'm sure this is just a blip for you, and anyway, think of all the money you're going to save over the next few months when you don't need to buy food :D

    Keep it up DFW, you're doing great :)

    Been

    Thanks been :) I'll consider that a telling off :p just so frustrating when it all happens at once! xx
    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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