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determined to be debtfree!
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Bah! Pay still not pending! I'm so impatient at this time of the month!!! NSD today....just! I was really really tempted to go into town or to the local shop, not sure why just felt an over-whelming urge to spend :eek: Thankfully the rain came in time! I managed a 45 min walk with kiddies tucked up nice & warm in the pram though so they were happy and warm whilst i got soaked on the way back to the house :rotfl:
On my walk I also found another children's centre with free activities :T may take a wander up there next week to get out...well dependant on if kids are well...but once they are it's something to do on a wed afternoon
DS1 called me :T-today! Was sounding very bright! I wonder if the whole wanting to come home thing was down to his friend leaving and him falling out with someone maybethese kids sure know how to run us ragged
I'm cooking spag bol for dinner as i took out freezer yesterday and didn't use. Will go to Ald* tomorrow or tues before my voucher runs out. Don't need anything at the mo so would rather leave it as long as possible
I have transferred more money to my second purse after paying for some calpol i had in stock! Am definitely buying more of this! Children's medicine in my stock is a life saver lol or else i'd been up and out at silly o'clock this morning to get some :beer:
have signed up for a freebie, just have to pay postage. It is a kids newspaper and so have had it sent to his school as he'll like that. It's for 4 issues i just have to pay £4 for themAnd i will review whether or not he has been reading them at the end of the free ones
I may continue it if it's not too babyish and it helps him in anyway with school etc. She said it would be £13.90 a quarter so can take that out of the entertainment budget perhaps. But we'll see what the paper is like first! I used to buy it years ago for him but he was a little too young, now i think he may be too old for it :rotfl:
Weigh in day tomorrow. I've been pretty good but have had a few 'blips' so will see if have had a loss in the morning -until then :j star jumps all the way :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
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Am really missing hubby tonight
silly week for me to start a diet really. Kids ill, wrong time of month for me, bored in evenings blah blah!
So anyway I weighed in tonightas i had to have some chocolate lol. AND i weigh 10 st 6 1/2 lb :j so i lost weight! yay! However, i think i've just put it all back on with the toffee crisp, and the galaxy bar i got from the 'lucky dip' box from AF
oops.
think will go to bed and meditate for half hour, always feel better after thatand i've only been doing 10 mins lately so hoping i feel much better after!
night all!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
0 -
I'm really pleased ds1 is happier that must be a weight of your mind.
Well done on the weight loss, I really want to loose weight I look pregnant at the moment!Electric and Gas Predators 17/£700:j:j:j October make £10 a day challenge :j:j:j£155/£3100 -
I probably put the whole 3lb back on in chocolate! And i fell asleep 2 mins into my meditation haha, i knew i was tired but didn't realise how much
DS2 was up crying in the night again, so was DD. They ended up in bed with me. I was squashed in the middle & they were spread out with arms smacking me in the head every minute, and kicking me in the tummy randomly through out the night. Had a fantastic sleep (not)!
Need to go shopping but it's not vital at the moment so i may put it off. Otherwise i have a tendency to eat all the new goodies and leave the old stuff lying around going off
Have a shop coming on Wednesday from te$co so may just go to ald* on the same day. Have lots of food left in as kids haven't been eating much since been ill. Funny thing is they still want chocolate when ill :rolls eyes: :cool:
The house is a mess, i've not one ounce of energy and I just want to go back to bed
I've checked the bank, we are going to be £90 down on last month's pay :eek: not sure why as DH never brings pay slips homeand when he does he puts them on top of a high cupboard where i never see them usually :wall:
I don't want to struggle in Feb like we did in JanWe didn't go out and do anything fun really. Had no entertainment budget purely cos of the car so If need be I am going to transfer some money across from the rental income to make it up to where it should be! - I shall wait until the 2nd though to see what is left after the majority of bills go out. It's our anniversary in Feb, as well as Valentine's day & my birthday, so don't want to have to spend it like January. Cooped up in house! I didn't mind doing it cos ds1 & dh weren't here but if i think about it it's not nice for the little ones either, they should be able to go out and have fun.
Will let them all go swimming when ds1 is backalthough this is about £15! So expensive!
Anyway I need another cup of tea! I'm sure in my boredom i'll be back laterMORTGAGE 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
0 -
Kitchen-
[STRIKE]
Empty cupboards
Clean Cupboards
Sort them out properly make room for stock piling
[/STRIKE]
Hoover & mop kitchen floor
Disinfect sides
Tidy up
Clean walls & tiles
Beans on toast for dinner! I have no room to move in the kitchen right now :rotfl:
Have spent the day sorting through cupboards, throwing out things i don't use or need or broken5 bin bags full! 2 recycling and 1 charity shop bag later.............! JUst need to clean sides & do floor really. Cupboards all done and sparkly :T
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
0 -
Right i'm shattered so not doing anymore today lol
Kitchen-
[STRIKE]
Empty cupboards
Clean Cupboards
Sort them out properly make room for stock piling
[/STRIKE]
Hoover & mop kitchen floor
[STRIKE]
Disinfect sides
Tidy up
Clean walls & tiles
[/STRIKE]
Still need to hoover & mop.....but can't find mop! Think it's in shed :eek:
have also done 4 washes, dried 2 and 2 still drying.
Two lots of washing up done....really want my dishwasher back now!!
And beans on toast for dinner :rotfl:
Going to bath kids, then put them to bed early as they are still grumpy & tired. Then bath for meand catch up t.v! yay how exciting!
NSD here too :T that makes 13 so far this month...not sure tomorrow will be one as i need to do shopping as ran out of butter & squash & bread! we'll see though!
DFWMORTGAGE 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
0 -
Wow 13 NSD is great - not managed even half of that, well may have done as flu ment i couldnt shop for a week. You have been a busy bee today, well done. Really need to do this sort of thing in my whole house. Nana has said she will pay for a skip for us if we want one - am thinking it might be a good opportunity to clear the house and not worry about having to take bits to dump. Anyway enough rambling from me enjoy your bath and catch up tvMe, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £2547.600 -
Wow, you've been busy.:T I need to tackle my kitchen cupboards. I heard something smash in the back of the Cupboard of Doom yesterday but I couldn't see through the toppling pile of cr*p to see what it was.:eek:
And it's ok to not go out in January, it's what everyone does when they are skint and it's cold outside:DDebt £26k 18/10/140 -
Well looka you and your 13 NSDs
You are right you need to know whats coming in and close on a hundred pounds is a hefty drop. Glad DS1 is sounding better hope the small ones feel better soon, its a drain when they are keeping you up all night. xTrying to shift that debt!0 -
13 NSD, you put me to shame !! Well done you ! xLBM 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 4280
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