📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

determined to be debtfree!

1172173175177178185

Comments

  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Oh, I'm sorry. I wasnt avoiding you, I have only just seen this, although I did send you a message over on Kerris diary earlier today. I havent really been about much on the diaries, had alot on as most people have, but I am very sad to hear of whats going on with you and DH. I'm sorry you are so unhappy.

    I cant offer you much advice really, only a listening ear. Its hard when you dont actually know someone personally isnt it to give constructive advice ? You can only do what seems to be best for you and the children. I am a big believer though, that people shouldnt stay together for the sake of the children as I'm sure they pickup on any bad vibes. I also think that forces life can make things much more fraught and stressful than other relationships. I know Ive said it before, but the coming and going is hard and sometimes just getting to know each other and live together all over again is really really tough.

    Hopefully with DH spending some time in the blocks and you in the house it may give you both some breathing space to think through exactly what you both want.

    Sending big hugs whizzing along the A12 to you !!! xx
    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
  • ahh thank you pinot xxx :D

    Hubby is home. He finished helping me put together the damned flat pack which has 1 screw missing (grrrrrrr)

    I'm in bed in a clean room :D no clothes everywhere, a cider on the side, bridget jones on & some nice relaxing smelly candles (oooooooh i love a smelly candle)! 2 yr old, 3 yr old sleeping and 13 yr old on laptop, phone & x-box and who said men/boys couldn't multi-task :p!

    I've a last min party to go to tomorrow lunch...just a friend's sons 2nd birthday so will just find a card from my cupboard & a small token pressie. I've also at last replied to dd 1st birthday invite and all is good for her to go :D and she has to go dressed as a princess she will love that!

    think dh has disappeared into ds1 room to play games. Ah well. At least i won't have any uncomfortable silences. Ooooooooh and have to say dinner was fab. The ready to roast honey glazed gammon from asda is delicious!!!!!! kids ate it all up, there was enough for 2 or 3 sandwichs.....by the time they'd had 2 or 3 helpings it was all gone :eek: ! def must buy that again!
    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
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    edited 12 April 2012 at 10:30AM
    Ooh I absolutely love a smelly candle. Pre LBM they were lit in the morning as soon as we were up and blown out at bedtime ?!

    Do you think it's possible to spend £96,000 on candles?!! Perhaps that's where all the money went ! :eek::rotfl:
    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
  • mandz1
    mandz1 Posts: 2,548 Forumite
    im here, i ran out of internet yesterday and coudnt top my dongle up til today.

    glad you now have a clean room and the cupboard is up.
    PAD Maker
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hello dfw321:hello:

    I am so so sorry for being AWOL..I am getting back and realise I have missed lots of news..some great and some sad. Well done on the MSE stuff (agree boo to AS3A too) but re your OH it seems for the best. Even, as others have said, if its about a bit of space for a while thats sounds just what you need. Like PG, I have never been one, either, to say stay together for the sake of the DC, you need to be calm and mature about it when making all the obvious arrangements, (even under extreme provocation at times I expect!) but putting up with unhappiness is no life at all!!

    Its your diary babe..you write what you want to..we are just happy to read your musings..:T

    And any person that likes smelly candles, their children when they are asleep;) and a cider is a friend of mine!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    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::T
  • Morning, hope your head is clearer today? Hope you do manage to sort things out but whatever you decide we'll be here for you. Keep your chin up.

    Glad your bedroom is allsorted. I love it when our bedroom is neat and tidy, at the moment there are piles of ebay/car boot stuff on my side of the bed, its like an obstacle course getting in and out of bed............not a pretty sight I can tell you!!! xx
    DMP 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 2021
  • afternoon all :) we'll i've been absent again! Yesterday I had to pop out in the morning as i couldn't find a suitable pressie in my box for a 2 yr old! so just popped to local shop and got a balloon (helium one, kids love them right?! ) and a lil teddy. To be honest that is ALL they had suitable to not much choice lol.

    Then went straight to party. My friend is having marital problems also and rather than turn to medititation & reiki she had turned to the bottle :eek: was merrily drunk when i arrived at 12.30pm! Thankfully there were lots of others there looking after the kids! I joined her in one glass (well mine was a spritzer) and i felt so giddy & ill after lol i had to throw it away when she poured me another (shh don't tell her) besides i don't like to drink when looking after lil ones. By the time i got home at 5pm dinner was ready (dh on the case ;) ) and i was in bed by 6.40pm :eek: felt so rough after one glass of wine, what on earth is becoming of me!

    Today i trundled down to the dr's at 8.20am. was still sat there at 10.40am :rolls eyes:!!! finally got seen. Infection on chest has cleared but i'm still viral (what ever the heck that is supposed to mean). Go home and rest. Could be weeks before your hearing returns to normal and before your asthma calms down. Yeh right i'll just pop off home and sleep the day away i'm sure the kids will be fine! pfft!

    had a cuppa at a friends on way home as i had to walk past hers anyway. Back home now and was another nsd today as i have a pre-paid prescription card for my inhalers :)

    My zoo passes have run out today :( so will need to save more money for some ...best work out how much they will be and see what i can do!

    :)
    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
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    afternoon all :) we'll i've been absent again! Yesterday I had to pop out in the morning as i couldn't find a suitable pressie in my box for a 2 yr old! so just popped to local shop and got a balloon (helium one, kids love them right?! ) and a lil teddy. To be honest that is ALL they had suitable to not much choice lol.

    Then went straight to party. My friend is having marital problems also and rather than turn to medititation & reiki she had turned to the bottle :eek: was merrily drunk when i arrived at 12.30pm! Thankfully there were lots of others there looking after the kids! I joined her in one glass (well mine was a spritzer) and i felt so giddy & ill after lol i had to throw it away when she poured me another (shh don't tell her) besides i don't like to drink when looking after lil ones. By the time i got home at 5pm dinner was ready (dh on the case ;) ) and i was in bed by 6.40pm :eek: felt so rough after one glass of wine, what on earth is becoming of me!

    Today i trundled down to the dr's at 8.20am. was still sat there at 10.40am :rolls eyes:!!! finally got seen. Infection on chest has cleared but i'm still viral (what ever the heck that is supposed to mean). Go home and rest. Could be weeks before your hearing returns to normal and before your asthma calms down. Yeh right i'll just pop off home and sleep the day away i'm sure the kids will be fine! pfft!

    had a cuppa at a friends on way home as i had to walk past hers anyway. Back home now and was another nsd today as i have a pre-paid prescription card for my inhalers :)

    My zoo passes have run out today :( so will need to save more money for some ...best work out how much they will be and see what i can do!

    :)

    I'm with you there DFW, I dont like drinking with the little ones to look after. I had a friend a few years ago ( I dont see her now, mainly due to her drinking habits actually, but theres another story ) , she would arrive with a few bottles of wine and I swear would drink 3 big glasses to my one spritzer in the middle of the afternoon with the little ones running around. Many a time I had to pile her in a cab and keep the little ones at mine for the night. Each to their own I suppose !

    Those Zoo passes can be expensive cant they ? I wonder if there are any offers on anything knocking around out there for cheaper passes ?
    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
  • mandz1 wrote: »
    im here, i ran out of internet yesterday and coudnt top my dongle up til today.

    glad you now have a clean room and the cupboard is up.

    :jme too i still need to hoover it though...i got as far as polishing and tidying then realised it was too late the other night to start hoovering!
    Ooh I absolutely love a smelly candle. Pre LBM they were lit in the morning as soon as we were up and blown out at bedtime ?!

    Do you think it's possible to spend £96,000 on candles?!! Perhaps that's where all the money went ! :eek::rotfl:
    :rotfl:i reckon at least a quarter of my debt went on smelly things ;) another quarter on rugs and cushions and another quarter on a stupid broken car and then i only have another quarter unaccounted for :p
    Morning, hope your head is clearer today? Hope you do manage to sort things out but whatever you decide we'll be here for you. Keep your chin up.

    Glad your bedroom is allsorted. I love it when our bedroom is neat and tidy, at the moment there are piles of ebay/car boot stuff on my side of the bed, its like an obstacle course getting in and out of bed............not a pretty sight I can tell you!!! xx
    thank you alice, i've moved the ebay stuff to the front room. I couldn't bear looking at it every night when i got into bed anymore!!!
    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
  • I'm with you there DFW, I dont like drinking with the little ones to look after. I had a friend a few years ago ( I dont see her now, mainly due to her drinking habits actually, but theres another story ) , she would arrive with a few bottles of wine and I swear would drink 3 big glasses to my one spritzer in the middle of the afternoon with the little ones running around. Many a time I had to pile her in a cab and keep the little ones at mine for the night. Each to their own I suppose !

    Those Zoo passes can be expensive cant they ? I wonder if there are any offers on anything knocking around out there for cheaper passes ?

    i have to say i think my friend is one of those, i left her yesterday once her hubby arrived home, even though she begged me to stay (after supposedly dropping my kids to my eldest son -think not) and get drunk :eek: she always liked a drink...but unlike me where my drinking starts at 7pm (when kids go to bed) she will start during the day :eek: if i drink in the day i will (and was last night) be passed out by 7pm :rotfl: such a lightweight!

    We got our zoo passes after dh bonus from his tour last year, i should have bought them out of his back pay last month but that's all gone now :( ....kids love the zoo too and it's so near so i will have to try and save for some more i think :)
    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
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.