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determined to be debtfree!
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argh have had another spendy day
!! Cash & carry £109 :eek: double what i was expecting. Plus side of this is we have enough rice, washing up liquid, toilet rolls to last around 4 months lol. Then we went to sainsbug as dd badly burnt today
so we had to get her a new sun hat for school, some suncream & aftersun & we also got some new sandals for her as her poor little feet are sweating in her trainers. So because we had picked up that for DD, DS2 kicked off and we ended up with 2 of everything (one girls set and one boys lol) so £50 later :rolls eyes: and we were heading home....dd & ds kick off as it's now half 5 and they're hungry, cue us stopping to mcdonalds to get them both a happy meal, which they eat 3 chips and half a fishfinger and demand an ice cream! KIDS!
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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oh dear some spendy days can't be helped esp with hungry hungry kids lol xxxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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Hi dfw, it's been a while since I've caught up with your diary.
Hope the curtains and cushions give the room a totally fresh look. We've been in our house now for 4 years and haven't managed to do any decorating. Paint is so expensive over here. I really being able to get cheap paint! Most of our rooms could do with a makeover of some sort. We have rooms with curtains that don't match, just because we're trying to make do. I dream of the day we can start renovating and decorating. :cool: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 paid0 -
Well i have lots of spends to report but haven't got time now, am getting house ready for ds's return :j and later will be getting him :T But i'm writing this down to remind my self to 'fess up.
i've closed a savings account down (£702) and spent every single penny apart from £28. Feel free to shout at me. I think i need it. The spendaholic, shopaholic in me has not been put to rest it seems
:( anyhow be back later or tomorrow to see if i can find where i spent it all x
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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debtfreewannabe321 wrote: »Well i have lots of spends to report but haven't got time now, am getting house ready for ds's return :j and later will be getting him :T But i'm writing this down to remind my self to 'fess up.
i've closed a savings account down (£702) and spent every single penny apart from £28. Feel free to shout at me. I think i need it. The spendaholic, shopaholic in me has not been put to rest it seems
:( anyhow be back later or tomorrow to see if i can find where i spent it all x
Oh dear ! I'm not shouting. Dont get upset about it now. Concentrate on getting yourself together and sorted to go and collect DS1 for the Hols. It will be lovely for you to see him . I will catch up with you later xxLBM 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 -
hello!! i've been really slack on my diary these last few weeks
feeling bad ! And it also keeps me on the straight and narrow when i come on here a lot :rotfl:.
Well tody is pay day :j and i've updated my spreadsheet & daily spend spreadsheet :T. DH has his £500 pocket money. I couldn't be bothered arguing. I got myself a new mobile (2nd hand blackberry :T) am waiting for it to be posted from ebay now
And i have worked out how much money we have to 'fritter' 'spend' whatever and it's around £500 .....this is after i have bought the bunk beds, new curtains, new cushions & new flowers etc for the front room. The front room is looking very nice i have to admit
and i love it so think it was well worth the £100+ to brighten it up
.
Need to sort out ds2 & dd room but their bunk beds are due next week so i'm in 2 minds as to whether to just leave it as a mess and do it all at once....i will see after the weekend now i think
I also have to sort out my room as all the junk that had been piling in ds1 room is now in mine as he's back from school!
Have booked tickets for the theatre for the kids £42 for 4 tickets for a 55 min performance :eek: they better like it :eek:! That's not until beginning of may anyway but they were selling so quick i had to get them now!
Take out tonight & a moviethink we're watching tintin & perhaps kebabs or kfc for dinner! hubby doesn't want indian as all the take aways round here are horrid, and we're bored of chinese!
All my savings pots that i borrowed from have been paid back :T and i can afford to get 1 years tax for the car instead of 6 months :j also my regular saver matured and i made £11 interest for a whole year...that doesn't seem like much to me :eek: so now have £611 will wait till new isa's are available and stick in there and try and add to it
I hope everyone is ok and i'm sorry for not catching up with everyonehave a great weekend 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
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Hi DFW321..good to see you posting again. Understand about the Spendaholic bit..that was me about a month ago and I definitely find the discipline of being on here and having to confess all does act as a blocker to some of my worst potential excesses!!!
Sounds like a great eve. My DDs and OH have just left for a week away so will miss them but in a way will also enjoy being calm and in a quiet house, planning and plotting our future truly MSE way of life!:DMFiT-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 -
Hi DFW321, don't beat yourself up over the spending. We all fall off the wagon from time to time. I think as long as you know what you spent the money on then sometimes a 'blow-out' can be good for the soul.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 paid0 -
Hi there i hope you are ok and are enjoying having DS back home for the hols. Keep going with the money saving as we all have hiccups now and again but as long as we get back to it, it is fineMe, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
Debt £2547.60 / £2547.600 -
Trust you're enjoying time with DS1.
Hope the weather is good for you, although it usually is down south.June 16 Mortgage Amount £82,896.15
Official mortgage end date August 2027
Current rate 2.59% until August 20200
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