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determined to be debtfree!
Comments
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very good deal
will keep you going until pay comes through
Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £2547.600 -
Great news dfw that's what we did with Sky, I called them and put on my pityful littlest voice and said we didn't want to leave but just couldn't afford it and got a reduction. I think we will be getting rid of it eventually, perhaps when the spring/summer is here and we're not stuck indoors for evening after evening.
Men just don't understand. It took me such a long time to get my OH to pull his head out of the sand and even now although he is much much better he can still have his moments and be a 'Mr Hard-done-by'. Sorry I don't have any suggestions but i do sympathise with you, keep your chin up, you are doing great.xxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Hi DFW321
I can't believe that I haven't been reading your diary..am immediately putting that to rights and have now subscribed!!! Haven't read it all yet but will do...might need a couple of big cups of coffee though as you've been posting loads!!:T
OHs....well yes they are generally not on the same level of honesty and reality I find. My OH has lots of MSE qualities...and in fact often reins me in..but the iTunes account for example does get used a fair bit! He is also very ostrich like about the overall financial situation for example. If you asked him about the mortgage, like is it repayment or not, have many years to run, how much do we have in our savings account , how much he gets paid:rotfl: ( or when he gets paid:rotfl:) he'd be vague. Bonkers....BUT he always dries the washing on racks, cycles everywhere, takes lunches to work, never throws away food, cooks from scratch, we have freeview not sky ( which by the way works for us...but then we hire films separately and don't watch sport so FV works for us)...anyway that's enough praise..you get the picture. Like everyone else says its mixed. There were some posters on here..was it mum to twins who posted alongside her OH..but I think that's unusual.
Anyway wittering on on your diarywill stop now and get reading the back posts:T
MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Hey DFW321
Am now on page 12 and it's all great stuff..just got to when your OH got back from his tour...will read more later but stll have 60 odd pages to go :rotfl:
ByeeeeMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
brizzledfw wrote: »Hey DFW321
Am now on page 12 and it's all great stuff..just got to when your OH got back from his tour...will read more later but stll have 60 odd pages to go :rotfl:
Byeeee
Oh brizzle feel free to skip ummmmm 600 odd pages if you like :rotfl: it's all rambles and moansas i like to do.....
:AMORTGAGE 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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Morning
Well catch up with friends is in order today......OUT OF MY HOUSE....YAYAYAYAYAYAYAAY *insert happy dance*:j
It's a friends birthday tomorrow but i have her a cheap box of ferroro (dunno how you spell that hmm) rocher that was half priceand always always have stocks of birthday cards from the card factory 7 for 99p :money:(otherwise known as cheapskate) :rotfl:
I went to bed at 9pm last night, hubby is wondering if i have had the chicken pox illness without the spots??? as i've been as ill as kids over the last few weeks on and off -nice of him to notice at long bl00dy last eh- but i told him you can't get it without the spots and i would have got shingles...i reckon i just get sympathy pains for people :rotfl: i shared both sisters labour pains and knew exactly when they had had babies......so i reckon i've just shared my babies sick pains....no seriously :think::rotfl:
Anyway i ended up spending all my second purse money last night on an order with approved food! but all good will go into stocks and pay back at least double :money:
I havea payment from quidco this morning, £20 odd quid. that include the £15 from netflix trial :eek::eek::eek::eek::eek::eek::eek: that is the quickest i have ever EVER been paid by anyone!!!!!!!!!so if offer is still on i urge you to sign up!!
it is now 13 days to pay day......how sad i wish my life away from payday to payday. If only money weren't an issue. I bet the rich don't live as us paupers do !!
Right anyway i have diaries to catch up on and a cup of tea that needs drinking :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
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Morning DFW,
Just been catching up on your last few posts, it sounds like you have been really fed up. I'm sorry. Hopefully once the weather improves, the children feel better and you can get out of the house you will feel brighter in yourself.
I don't have any suggestions on the DH front really. Im pretty lucky with Mr Pinot, he seems to just get on with it, and doesn't really spend much on himself. He's not any good if I ask him how much the mortgage is, when its due to be paid and who we owe what to, but he will wash up, raid the Whoopsie aisle in the supermarket and fix things that need fixing rather than calling someone in. Maybe your DH feels a bit fed up ,he has been away, then come back with nothing much to show for it, if you know what I mean. Mr Pinot would go away for months, earn good money, return home totally shattered and wanting a break or to do a few nice things and the money would be gone as I had been juggling with the bills all the while he was away. He would often get quite fed up over it ? I'm clutching at straws here really, but I hope things improve for you .
Anyway on another note, size 10 clothes eh ?! Sounds like you thoroughly deserved your new goodies the other day. Well done !
Anyway I'm going now before I ramble too much, hope today goes well for you x:DLBM 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 -
Afternoon pinot
Yep i think that is it really. He's just spent a month sleeping outside in the brecon beacons living on rations and expected to come home to everything changed.
I did buy him steak, wine, goodies and thought i was being a good little wifey. But nope i didn't win the lotto lol :rotfl:so he wasn't too impressed! I think it stems from him growing up poor and he doesn't like the feelings it brings back
. He refuses to go near the whoopsie section in the shop. I had to drag him into a charity shop at first...:cool:..he's converted to those (kind of) so i suppose i shouldn't push it lol.
I actually like being frugal and living like this and he thinks there is something wrong with me! :eek::rotfl:
I got my new energy monitor yesterday and have been telling him how much the tumble drier cost & the kettle..and he thinks i've actually gone barking mad :eek: and told me i had officially crossed the line from being frugal to eccentric. I took it as a compliment, although didn't tell him this :rotfl::rotfl:
Then i spoke to sky after going on about the kettle and that was it he was thoroughly embarrassed of meesp when i told all my friends on facebook to do the same
!!
And once the snickers arrived and he laid eye on them and i told him he had to give me 25p for one well he completely snapped :eek: went nuts saying that he's already paid for them and wasn't going to pay again........ummmmmmmm okies. I shall give them to you then (and then take the money from your bank to pay for them anyways) some things just have to be kept secret. Mr dfw is very delicate on the inside i think
and he may be Mr tough guy on the outside but really the smallest thing seems to snap him into an emotional mess
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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Tesco's vouchers have come through and i have £10
not as much as i usually do but i will take that as a good sign
i'm not spending half of what i used to in there. They've even noticed, i've had tonnes of emails from te$co's and surveys asking me why i don't go there. It's quite nice, someone misses me
Will put the £10 voucher in my voucher envelope for pressies. I will wait until they have their sales on again and will go then to spend it so will add another £10 to sig after. I'm ages away from payout on surveyshave been accepted on to 2 home testing panels though this last month :j was offered some baby products but ds2 just a few months over the upper age limit....boo ...hopefully another will come along soon
Am also collecting another little bag of clothes that kids are out-growing to sell,. Will do this when i have a few items rather than just the odd one here and there.
Have also received confirmation that talktalk have payment for my value line rentalso just need to see how long it will take to go onto my account! Be quite exciting to see phone bills each month of less than £25 and free calls day & evening :T
I'm sat on the sofa today, too tired to do anythingwill make another app at dr's i think and ask for more blood(y) tests. Really need to have a food allergy test, but don't think dr's do these, i'm sure i have seen that chinese herbal shops do, perhaps i will look into that and see if i can get tested there. I'm sure it's something i'm eating causing me to feel tired & listless & bloated all the time!
Anyway prob be back. Proper bored today and dh not home till 9pm earliest tonight (left at 6am)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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Just cancelled my netflix subscription. I can still watch programmes until the 6th march though
ALso went through TCB to sign up for a magazine subscription. £5 cashback....I signed up for one that was on special offer, 6 weeks subscription for free.........not sure if the cashback will work cos i didn't pay anything but either way i have 6 weeks worth of mags for hubby to read whilst out and about and all freeMORTGAGE 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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