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determined to be debtfree!

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  • ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

    Jobs for today:
    • [STRIKE]Washing up (hurry up pay day so i can fix dishwasher!)[/STRIKE]
    • [STRIKE]check online banks[/STRIKE]
    • [STRIKE] call mum see what is happening with her transfer[/STRIKE] CAB have given her a letter to use in appeal :T
    • surveys -ummmm *shuffles feet, looks at floor* no excuses here, just didn't do them. again.
    • order some printer ink, i can finally get some coupons printed off then for shopping :T -Forgot! job for tomorrow!
    • [STRIKE]quick tidy up[/STRIKE]
    • wash 1 lot of clothes have 2 half washes lol, one half whites, one half colours thought it best not to mix the two. ALready have enough grey clothes to remind me of the last time i tried that :D:rotfl:
    !

    Will do other jobs tomorrow now....perhaps with the updates of spreadsheets i'm so tired just wanna go bed!
    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
  • Sorry to hear about the chickenpox. :(

    What's this I read about money going into the second purse? Someone, I think Happy, suggested, somewhere, that I should join you with a second wallet. :rotfl::rotfl::rotfl::rotfl:

    I hope you have a nice week-end.
    I hope DS1 is OK and not long until you know who arrives home. :j ;)
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
  • How are you all today ? Hope the Children are feeling better and not to itchy and scratchy !

    Sounds like the 2nd Purse is going well, I still cant decide if its for me or not, I just end up transferring any spares into F&F funds so I suppose at least I am saving it and not spendign it. Lol at bonnington thinking about a 2nd wallet !:rotfl:

    I am staying so clear of the shops, I even sent Mr Pinot shopping for cleanser for DD1 in the week so I didnt have to go, just incase I was seduced !

    Sorry to hear about DS growth spurt. It never ends does it ? DD2 just wont stop growing :eek:

    Well I hope you have a good weekend, with lots of sleep 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
  • Afternoon :)

    Still need to do spread sheets ....i have re-jigged my budget though and think i can live on the £300 less now :eek: ! If not the rental income is there as a fall back!

    It's a NSD today think i am up to 12 now for Jan....tomorrow will be one too & monday so should make it to 14 :j

    Both kiddies are ill now :(, ds2 hasn't got any spots still but has a rash all over him and i can see bumps under the skin! DD is covered poor thing! Spots everywhere! Typical, a week before DH could be home helping me and they get ill, this happens everytime!

    DS is sleeping at the mo, probably not the cleverest idea i've had but his eyes were so bloodshot from tiredness that I let him :o

    Have had a friend round this afternoon and i showed her the demotivator :rotfl:think she was a little shocked how much she spent on some things :eek:! I love that tool, it's great when you want something ...put the price in and how often you use and all of a sudden you don't want it anymore :rotfl:

    Chips for dinner. Kids have lost their appetites so not bothering with anything on the meal plan. Another early night i think, i really don't like being up before 6 am on a saturday :(!!!
    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
  • How are you all today ? Hope the Children are feeling better and not to itchy and scratchy !

    Sounds like the 2nd Purse is going well, I still cant decide if its for me or not, I just end up transferring any spares into F&F funds so I suppose at least I am saving it and not spendign it. Lol at bonnington thinking about a 2nd wallet !:rotfl:

    I am staying so clear of the shops, I even sent Mr Pinot shopping for cleanser for DD1 in the week so I didnt have to go, just incase I was seduced !

    Sorry to hear about DS growth spurt. It never ends does it ? DD2 just wont stop growing :eek:

    Well I hope you have a good weekend, with lots of sleep x

    Argh both kids ill now :eek: so typical when DH is away!

    Second purse is going well now i finally understand it! I def recommend it for those who like shopping for a bargain & buying in bulk anyway :T

    DD will not stop scratching and i think she's going to end up scars all over her :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
  • bonnington wrote: »
    Sorry to hear about the chickenpox. :(

    What's this I read about money going into the second purse? Someone, I think Happy, suggested, somewhere, that I should join you with a second wallet. :rotfl::rotfl::rotfl::rotfl:

    I hope you have a nice week-end.
    I hope DS1 is OK and not long until you know who arrives home. :j ;)

    https://forums.moneysavingexpert.com/discussion/3745005

    There is the link to the second purse thread if you want to join us :j

    Not spoken to ds1 since wed, so i feel much calmer but still having thoughts that he's unhappy there and i must take him out :( it's his day to call home today. I'm hoping he is too busy having fun to remember :o that way i will know he is ok :T will report back when he's called :rotfl:

    Can't wait for dh to get home now :( really struggling this last week !!!
    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
  • Sorry to hear about the children chicken pox and lack of sleep again. I found a great cream that really helped with the itching when my two had chicken pox, but I'm not sure if I'm allowed to mention it on here .The lack of sleep is so tough isnt it ? Just think you can hand over all night time duties to your DH when he gets home !! I'm sure he will love you for it !

    Its not long now until he is home, let the countdown begin !
    Hope DS calls you today and he is happy to put your mind at rest a little.

    Keep smiling !
    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
  • My word lovely iy has all been going on for you. I just want to say I will make sure Im checking back like a proper friend.

    Im sorry about the chicken pox and all the upheaval about DS1, and you have done this on your own with your DH being away.

    You are strong!

    I hope you have spoken to your DS1 today and that you feel a bit better about everything.

    My DD2 is on crutches with breaking her leg, went back into normal school lessons and some little sh*t kicks her crutches from under her... and this is a boy, four years older - What are they thinking!!

    I just want my own pinky ponk.
    Those tombliboos have the right idea. x
    Trying to shift that debt!
  • Oh happy what did the school do? I hope they sorted it out! I hate bullies, I hope it hasn't scared DD2 into going to school :( poor thing

    And you've had far more than me going on so i understand why you've not popped by regularly (((big hugs)))

    :) 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
  • Sunday!

    Well by this time next week DH will be home :j:j

    DS2 has had me up all night again!!! Kept complaining of a sore tummy & just wanted cuddles ALL night and i couldn't sleep as my arm kept going dead lol!

    Nice to see he is full of beans today though, wish I could say the same for me!

    I watched a film last night and it made me very thankful for what I have....it was called The Duchess, and it was so sad, i was sobbing by the end :rotfl:i think i will buy a book on it as it was a true story...think mum will like that for her birthday! :T even though she was a very rich lady, she was terribly unhappy in her marriage and couldn't leave, it makes me thankful to have love rather than money :)

    And on that note, i must remember to check bank today! Pay day will be pending today or tomorrow so i can see how much we will be getting :)
    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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