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determined to be debtfree!

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  • Well today will be a NSD :) no.2 of March (not doing very well!) i was going to pop to the shops today (SM) but baby is asleep still so will leave it till tomorrow now. I have half written a list of 101 things to do in 1001 days (think that's right) and I ticked off one of the things on my list today (wahey) :j i took down my nets that i bought when i moved in (erm 1 year ago) and finally cut them to size and took them up :p lmao only took me a yr hey!

    Have chilli cooking in the slow cooker and really fancy some tacos & salad to go with it but none in and as baby still up in bed don't think we'll make it out ! oh well. all saves money i guess :cool:

    I have been reading other threads on the forum regarding christmas & birthday pressies, and think i might nick a few ideas :) i made sock monkeys last christmas and sold them, didn't give any away though (didn't have time to make my own stash lol) so i may get cracking on those as they only cost a few quid each and yet always look more expensive and personal and would mean i get to save a few pennies there :D AM still not started on daughter's quilt...have all the squares and no idea where to start :o really want to make it ...think i will have to get onto you tube and google see what 'help' i can find lol

    Hope everyone is having a good Sunday, and i just realised today that my hubby returns home on mother's day :) so excited!! :T only a few weeks!!!
    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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    good for you hun i can't sew for the life of me x
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • Evening all,

    I made a sock monkey today :j and actually enjoyed doing them again, so may have to start up on those again :) made quite a few spare pennies before xmas doing that! (although every bloody penny went towards debts which were spiralling out of control!!)

    Ordered myself a cheap bed & mattress from net and went through quidco and got £20 bk :)

    Got food shop also which was (i think) £58..will have to check but not got receipt on me...and then add to my GC for march

    NSD on sunday, and hopefully another tomorrow i was going to go into town but decided against it as i think i will prob be going wed/thurs also when MIL & SIL visit so best to keep spends to a minimum :rotfl:

    I have started a spreadsheet on excel to keep track of christmas & birthday pressies i get in sales etc...I am determined to be organised this yr, although to be honest i am not very good with spreadsheets and need some help there lol so hoping hubby knows how to use it when he gets home! Robert Dyas have some fab bargains on atm though for anyone else wanting to get organised for chrimbo...also go through quidco and i think it's 8% bk?! Have made £85 on quidco since january!!! :j:money::j so glad i found out about it through here! I check every retailer now lol before buying to see if i can get it through there first :cool:

    Anyway am off to bed to watch a DVD and take pics of more stuff to put on ebay! exciting times! I am keeping up with it and sold at least £40 worth of stuff last month :j very good for me lol as normally i'd have chucked it in a charity shop bag...and the money that was in my paypal (£40) was taken off my new mattress!! :D

    GOt a bargain in B&Q today too and got 32 little plants for £3 reduced :D from £9 :j wohoo!

    Anyway that's enough from me, night all! will catch up on everyone's diaries tomorrow as can feel a headache coming on from staring at this screen (trying to work out excel ha) ;)
    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
  • keggie
    keggie Posts: 344 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Congratulations re ebay. I'm just starting out at checking on net to see if things might be worth selling rather than taking easy option of charity bag! Listed 2 so far and sold 1 and have listed a couple of books on Amazon. Impatient to see if anyone will buy them now.
    GC 2024 £1445.91/£3000
    GC July 24 £0/£250
    #16 XMAS 2024 £300:£366
    Surveys £32.05
  • Thanks Keggie :) i have quite literally stuck EVERYTHING on ebay that doesn't have a stain on (kids clothes) not ripped (books etc) or hasn't faded (bedding etc) and it has ALL gone on for 99p!!!

    LOTS of it is worth so much more (well i say so much more maybe a tenner lol) ...but i know what i am like and i am a little obsessive about having a clutter free house i think cos 5 of us in this small house is too much just for our normal stuff !! never mind the stuff we don't use lol, and I know if it doesn't sell for the tenner i put it on at i will end up putting it down the charity shop! so i'd rather make the 99p than nothing at all :D and most stuff has sold for more than that anyway! It's £40 in my pocket better than nothing!

    And everytime something doesn't sell i just press re-list so nice and easy, everything i have put on so far has sold within 3 listings so all good and my 'ebay cupboard' is looking a bit barer- so eventually i may actually be able to use the cupboard for storage of stuff we do use lol!

    I took photos last night until my battery went dead :rotfl:, and have bundled lots of the kids clothes up, i.e all the shorts together & all the t-shirts together, am not listing them all seperately i wouldn't make any money at all, so i hope they sell in the bundles. I am putting most on at 99p again but i will make sure i put postage high enough to cover myself! I have SO many times been caught out with the postage and ended up eating into the little i made on the item just to send it off (fool) ..I also washed and ironed everything (just a quick rub with the iron) as i think well presented items always go very quickly...

    Today we're off to playgroup, i'd give it a miss as i'm due delivery of my mattress today but my daughter's fav helper is leaving today so we're going to at least pop in and give her the sock monkey we made her ...prob won't stay all morning there as said daughter is sick! (well teething)

    I really can't wait until my bed is here (tomorrow), the coils in my mattress are sticking out no matter which way i turn it :( and my back is already sore! Owwww! So once both bits have arrived tomorrow i will be spending the day making up and taking apart beds lol :rotfl: that should be fun by myself!!!

    Today i am going to come home and get on with sorting through the kids toy boxes !! I planted all the little flowers i bought yesterday and also re-potted the kitchen ones both of which were today's jobs so not much to do!
    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
  • Had a lovely phone call from hubby....i almost forgot!!!!..it's our anniversary today :D 3 yrs married ..and too many together to remember lol :rotfl::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
  • LAM2011
    LAM2011 Posts: 1,432 Forumite
    PPI Party Pooper Debt-free and Proud!
    Happy Aniversary :D

    Good luck with the ebaying I hope it all sells for you :D I need to get going again. I had a few that took ages to pay and then I hadnt worked out postage on one correctly so made a loss and got a bit disheartened.

    The sun is shining here today and I wish I could be out there instead of in here but hey ho need the pennies.

    Have a good day :D
  • Hi LAM, re: ebay, i was also put off for ages when i underestimated a bundle of maternity clothes it cost me £9 to send the slowest way and i only charged £6 :eek: and i only made £10 on the whole bundle (there was more than 20 pieces over £250 worth :() and then Someones parcel got lost i had to refund, oh and also someone wasn;t happy with something and demanded a refund?!! argh put me off for ages lol but i thought i would give it another shot and so far so good *touches wood*

    The sun is out here also although not in my garden *boo hiss* we have asuch a shady garden, and i think sitting out the front on the communal lawn would look a bit piky haha so inside it is for me!

    thanks for the anniversary wishes :) hubby got his parcel yesterday! just in time *phew*!! And loved my little bargains i picked up (cost me only £4 for whole parcel lol :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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,439 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 8 March 2011 at 2:13PM
    Ok I haven't finished this yet but will be good to see it up in black and white rather than scribbled all over on bits of paper...my list of things i would like to do ..i think the original challenge was 101 in 1001 days? (walby will know?) but mine is at 60 something and no time limit...perhaps i should set one? what do you think? Hmmm

    OK..
    1) Make list of 100 things to do this year!
    [STRIKE] 2) Empty basket In kitchen
    [/STRIKE]
    [STRIKE] 3) Empty blanket box in kids room
    [/STRIKE]
    4) Paint blanket box and [STRIKE]put in my room and put blankets / stuff in[/STRIKE]
    5) Fill in holes in walls and sand
    6) Paint walls that need doing
    7) Finish sock monkeys that were started pre-christmas!
    8) Start & Finish DD’s blanket (quilt)
    9) Make a trip to the tip with garden/house rubbish
    10) [STRIKE]Look for furniture for my room[/STRIKE]
    11) Paint kids room again
    12) Stick to food budget
    13) Save £300 a month in CO-OP
    14) Bake every week to save money on sweet things
    15) Make at least 3 meals from Scratch every week
    16) Buy some more Tupperware/Pyrex for storing food in
    17) Read 1 new book a month
    18) List 8 things every month on eBay (at least)
    19) Trip to the charity shop with things that don’t sell
    20) Sort shed out
    21) When sunny enough get kids toys out garage
    22) Fix garden gate
    23) [STRIKE]Sort out garden & plant new bulbs (march)[/STRIKE] 24) Find someone to buy education books from me
    25) Sort through my clothes and sell/charity shop ones I don’t wear
    26) Fix light in bathroom
    27) [STRIKE]Order canvasses from groupon (march 17th latest)[/STRIKE][STRIKE]
    28) Re-pot plants in kitchen that are too big
    [/STRIKE]
    [STRIKE] 29) Sort out shoe rack
    [/STRIKE]
    30) [STRIKE]Sort out kids coats ones that fit/ don’t fit[/STRIKE]31) Get a pass to the zoo for everyone
    32) Get passports sorted out
    33) Get my hair cut (desperate now)
    34) Turn the t.v& computer off one night a week and read/do craft things
    35) Take kids out at least 4 times a week to do fun stuff
    36) Get some things to put either side of fence to make look nicer (those wicker type *things*)
    37) Clean all kitchen cupboards out and tidy / reorganise (1 left)
    38) Fix washing machine rim on door
    39) Sort through c.d’s throw away scratched ones
    40) Get a hard drive for computer
    41) Sort through dvd’s throw out ones that don’t work
    42) Sort out under my bed
    43) Finish DD’s baby book
    44) Finish DS’s baby book
    45) Sort out front garden flowers
    46) Get a lawnmower from army (free save money)
    47) Clean inside of car
    48) Get some recent pics printed off and put in frames around the house
    49) Fix 2 lamps in my room. (new shades) OOPS BOUGHT NEW ONES :o
    50) [STRIKE]Buy DS a single bed duvet[/STRIKE]
    51) [STRIKE]Buy DS a mattress for his bed[/STRIKE]
    52) Buy some storage boxes for kids room
    53) Go through toy box in kids room
    54) Put up shelf in DS1’s room for him
    55) [STRIKE]Sort through DS1's wardrobe, sell things too small or bag up for charity[/STRIKE]
    56) Do some sit-ups every day
    57) [STRIKE]Sort out the net curtain (take it up)[/STRIKE]
    58) Fix DD’s dress I bought her
    59) Keep a daily spend diary
    60) Keep a record of all banks
    61) Check banks once a week to keep on top of finance
    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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    I'm tired after reading your list lol

    Happy Anniversary x x x x x x
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
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