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determined to be debtfree!

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  • Evening!

    I've been awol again! *slapped wrists*

    Have been busy though. Have sorted out kids room, got rid of bags of clothes (well they are down stairs ready to be piled for ebay/charity/recycling!)also done the same in my room. The bunk beds are arriving on friday, I am off out to buy a cupboard for our room on Thursday as i'm sick to death of tripping over piles of clothes because we have no space. And i'm also pretty annoyed at having to throw loads of stuff away cos i have no room!

    I've bought 2 new phones since payday........well new to us (ebay) so when the 2nd one arrives we will all have smart phones (only taken us 5 years longer than everyone else :p)

    I need a memory card for mine though as it keeps telling me it is running slo because there is no memory left! will leave that as a job to do another day.

    Funeral tomorrow. So will be out all day. I've been cleaning the house like mad and by the time i sit down in the evenings i'm falling asleep by 8pm :o hence not been on here. In fact as soon as i've typed this i am off to sleep :o feeling very old lately lol i need more sleep than my granny!

    Thursday will be a big long list day i fear :( washing, washing up, sorting through ebay piles, buying cupboard for our room (hoping they have it in stock!) and Friday will be waiting on bunk beds day!

    We're pretty much out of 'extra' money :o but we've made some big purchases, some needed desperately (new beds) others not ;) (phones, clothes, few toys here and there) but hey ho, it's only money you can't take it with you when you die eh.

    Looking into doing my reiki level 2 in June as well so need to find some money for that :)

    Oh and i was rather peed off this morning when i finally got round to realising my tax disc had actually run out :o:eek: the tax was £10 more expensive than the reminder they sent me only 2 weeks ago :mad::mad::mad::mad: NOT impressed"!&^$^%$^%!! £270 for a flipping car to be taxed for the year :mad::mad::mad: makes me angry!

    Anyway away to bed with me. I will take some deep calming breaths and forget about that car tax :) I will also try and catch up on diaries at the weekend once my house has finally taken shape :T and has been de-cluttered (seems the reiki was good for one thing, never mind de-cluttering of the mind...i've done the whole house in 3 weeks :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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • 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. :D
    :T I think you're right the money has come in good time for my mad de-cluttering phase i'm going through :rotfl: and the extra cupboards & baskets & new curtains are doing wonders for my health :rotfl:
    slm6002 wrote: »
    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 fine :)
    ds1 is locked in his room for most of the day :eek: he has turned into a proper teenager. Honestly him being at boarding school and him being at home seems no different :eek::rotfl:
    bonnington wrote: »
    Trust you're enjoying time with DS1.

    Hope the weather is good for you, although it usually is down south. :)

    it's raining :( hoping it's not raining in kent tomorrow for the funeral that will be fun otherwise running around after a 2 year old who loves deep holes :wall: i can imagine us all ending up in there with grandpa trying to rescue the 2 year old hooligan :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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    edited 4 April 2012 at 10:40AM
    Hello good to hear from you, sounds like you are having a totally mad decluttering frenzy. I find a good declutter very therapeutic !

    Dont you love teenagers ?! To be fair DD1 isnt too bad, but I am finding she is loving spending time in her room recently, but then who doesnt like a bit of time to themselves every now and then ( it just is such a rare commodity for us mums isnt it ?!)

    Hope the fuenral goes as well as can be expected tomorrow, your comment re the deep holes and the 2 yr old did make me giggle though ! :o
    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
  • Hope you're day is going well DFW and that the sun is shining for the funeral.
    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
  • mandz1
    mandz1 Posts: 2,548 Forumite
    Hope everything goes well today.

    You have been doing alot of decluttering by the sounds of it. Its nice to just get everything sorted and looking good. Dont worry about the spending, you will get back on track. at least you know where you spent it, i can never remember where my money goes
    PAD Maker
  • Hi

    I have just caught up I really hope everything went well today x
    Electric and Gas Predators 17/£700 :(
    :j:j:j October make £10 a day challenge :j:j:j
    £155/£310
  • slm6002
    slm6002 Posts: 4,432 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Just a quick hello and hope all went well today - hope there were no incidents will holes and children :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • hello all :) no accidents with any deep holes *phew* and the day went as expected, crying, me running around after kids, hubby getting plastered and me driving home having to listen to drunken rants :p

    I've spent the whole of today putting together bunk beds :mad: can i just say that ... I HATE FLATPACKS :mad:. there that is better ..

    Still awaiting delivery on some other bits to finish our room off but kids rooms are all done now :) we're officially broke again but oh well :o.

    DH is off to his mums tomorrow but i'm going to stay behind hopefully and put bits on ebay as ther is a 4 day free listing i hear :j so can get on as much as possible :T including 2 toddler beds i now have in my front room!! I also have an ear infection & chest infection so would rather just stay in a chill out than go to his mums with 30 other people :o (i'm such a recluse)!

    My new phone (blackberry) was playing me up but i think i've fixed it now by doing a factory re-set on it. i hope so anyway! or i've wasted rather a lot of money on it :eek:

    I'm spending the afternoon catching up on t.v now after doing those bunk beds! hubby has taken kids swimming and i can't go cos of ear infection ;) (shame!) so will try and have a quick catch up on some of your diaries now :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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • have caugth up a few diaries (taken ages!) and will be back either later today or tomorrow if i fall asleep lol! i will catch up before the weekend is over ;)

    and i will be back with some figures and aims for my diary :) 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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • hillside777
    hillside777 Posts: 357 Forumite
    I know what you mean about flatpacks.
    They take ages to put together and the instructions are never very clear.
    Also I think sometimes the quality is not as good as a ready made item.
    I could be wrong, but just my opinion.
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
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