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determined to be debtfree!

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  • good plan! grow my own! why didn't i think of that :D

    Well not a NSD DH asked for my bank card (as it's my birthday tomorrow and i'm assuming a card was needed!) and spent in asda on wine, (cards?) and few other bits!

    Entertainment was free this afternoon though, we had a gruffalo hunt in the woods lol and spent the afternoon looking for animals & their houses !

    DVD & bed tonight feeling all irritable as i'm tired :( !

    Perhaps the wine dh bought may make me feel better ;):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
  • Happy Birthday to youuuuuuu !
    Happy Birthday to youuuuuuu !
    Happy Birthday dear Mrs DFWWWWWWW!
    Happy Birthday to youuuuuuu !

    Hope you have a really lovely day and Mr DFW remembers to thoroughly spoil you in a very MSE type of way !!

    Enjoy xx:bdaycake:
    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
  • slm6002
    slm6002 Posts: 4,395 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy birthday - i hope you have a lovely day :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • stripes
    stripes Posts: 323 Forumite
    :bdaycake::j
  • Thank you so much for my birthday wishes :happylove:lovethoug

    Please share some cake :bdaycake:& tea/coffee :coffee: :)

    Today i've had friends round for a catch up & some cake ;)

    Received ZERO birthday cards in the post :eek:

    Have spent an hour (at least) on the phone to Npower & SSE trying to decipher from the codes they talk in who i was actually signed up to and what i was paying *sigh*

    Called mum, she was upset, so spent half hour trying to make her feel better.

    DH & I have rowed over 'pocket money' on today of all days! I'm going to give in this month and give him £100 (if it is there) :( i can't be doing with the hassle anymore.

    Good news is my electric has been worked out for the year and i am paying £40 a month from now on:T and £31 on gas :T the man was very impressed with how little i had used :T (actual figures not just them tempting me with low DD and then charging me £500 every 3 months on top of DD!)

    Anyway kids rowing so best go! DH is cooking a cake in oven for me so very mse lol. Be back later hopefully :D

    countdown to payday..............2 days left :j:j
    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
  • oooh also a NSD! 25 this year already :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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    :bdaycake:

    HAPPY BIRTHDAY DFW XXXX

    hipe the cake dh is making you is yummy :beer:
    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
  • Thank you abba :D

    It looks nice am hoping it tastes good too ;)

    I've been accepted for a live chat on thursday with some other people about a product. it's thursday lunch so am hoping dh may be around or else the t.v will be babysitting for an hour! I think i get £20 gift voucher for it :D

    Also for going back to Npower -started off with SSE then went to Npower, then back to SSE, now back to Npower *confused* I will get £75 worth of high street vouchers :) so that will go towards xmas or birthdays!
    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
  • Happy Birthday DFW :D

    Hope you've had a lovely day!

    Been
    Full LBM 26 Sept 11
  • :bdaycake:

    Just popping in to wish you a Happy Birthday. Enjoy your cake, I'm sure it'll be delicious because it was made with love.
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
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