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determined to be debtfree!

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  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    You sounds very organised today...I have had an admin morning too...now about to make some more coffee and get a load of washing on..oh the exciting life I lead:rotfl:
    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
  • ah same. I've got one wash on, another wash next to the machine to go in next. at least 3 more loads upstairs. I'm sure i only emptied it the other day and have been trying to keep on top of it all! where does it come from!

    Visited a friend on way back from bank. I was at the bank for 40 mins whilst the coin machine was being fixed (i'm sure i didn't break it honest!) eventually worked and i had £15.04 in change. Also paid a cheque in for £5.xx so will add both of those to savings. Need to get that pot back up in time for the next thing to go wrong! still need to go through spreadsheets but DD & DS2 have been fighting all morning and i have to keep pulling them apart. Then i lose where i was and have to start all over again!!!! Roll on tomorrow when it will just be DS's at home. DD is def bored and thinks she can have a jolly old time winding up her brothers as long as she likes.!!.

    Right anyway off to wake ds1 he is still asleep after staying up to watch titanic with me on dvd!

    No sign of the phone i bought yet i paid for it on the 1st of april. Bank holiday or not this is a joke if it doesn't arrive by mid week i will demand a refund this is ridiculous!
    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
  • ok back again! (fed up of me yet??lol)

    Have worked out spreadsheet. To pay all our bills, cccs the full amount etc we can do it and have £700 left over for everything else!

    Just realised it's a 5 week month too:(!

    SO
    • £62.50 x 5 = £312.50 (food for the month)
    • £40 x 5 = £200 (petrol)
    • £25 for 2 mobiles
    • £32.5 x 5= £162.50 everything else....clothes, entertainment, pocket money
    =£700

    not sure if it's doable will have to try though :(
    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
  • slm6002
    slm6002 Posts: 4,390 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I am sure you will do it (providing no more car problems). I will keep checking in to see how you are doing and to cheer you on :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • thanks slm :) if i have any more car problems i will personally go out to it and kill it once and for all with my hockey stick!!!!! grrrrrr lol
    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!
    whey hey

    have finally managed to catch up on your diary after 4 pages full lol

    sorry to hear about you and DH problems but if you feels its the best thing to do then we're all here to support you xxxxx
    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
  • I second the horse and cart ... infact where we live I have seen several lol
    Electric and Gas Predators 17/£700 :(
    :j:j:j October make £10 a day challenge :j:j:j
    £155/£310
  • have just requested £6.73 from TCB some of the cashback is finally payable! still waiting on £20 to confirm from there!

    Money due in to the account over the next few days -ebay £11.50, tcb- £11.67, £66.50 ladbrokes, & £14.50 from buyer in cash

    Have to post a couple of items tomorrow but have had a lazy night tonight ;) ended up down ald1 and now have a bottle of pinot grigio, cashew nuts & chocolate :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
  • Morning! kids back to nursery today (YAY) i find out what school DD will be going to in September either today or tomorrow!

    DS1 is packing his bags today to go back to school :( the holiday goes too quick when he is home. And the term drags so slowly when he is away, i hate it :( !

    DH !!!!!! me off last night. Woke me at 3am. Then he went straight off to sleep and i was left wide awake for an hour trying to get back to sleep. SO very tired today.

    I still have around 4 washes to get through today :( it is officially the worst hated despised job in my house lately. Even more so than the washing up!!!

    SPent £15 in ald1 last night (oops) 2 bottles of wine, lots of goodies and some cream i use (£4) so suppose that's not too bad considering :p

    Today i need to post ebay items. Only 2 paid for so far so will send those. Also have paid £1 to nursery out of some money i happened to find in my coat pocket lol that is for the cooking this half term. I also am going to pop to wckes and get a new toilet seat. The one i bought is a self closing one and the little ones sit on it and the blooming thing closes in on them whilst they are on there! I found poor ds2 down the loo last week with his legs sticking out and te lid trying to push him even further down the toilet bowl :eek: so before any nasty accidents appear i will pop out and get a bog standard one (hehe no pun intended :p )

    so not a nsd but hopefully a lsd!

    Have worked out that i have for my reiki II: £25 in cash already. £20 from bets due back to me from grand national, £45 cashback, £14.50 for ebay item when picked up, £11 cash back, £11 ebay....=£126.50 :D so only need to find in May just under £50! :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
  • slm6002
    slm6002 Posts: 4,390 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    great news on money for your course but sorry i had to snigger about the toilet seat. I just have an image in my head lol
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
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