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determined to be debtfree!

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  • slm6002
    slm6002 Posts: 4,403 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    great news about the new tennants being almost there. Also well done on yet another NSD - your getting really good at these now:)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • I know :p my aim next month is to reach 15....one month i am going to aim for 3 weeks worth of nsd's not just yet though, need a little practise first ;)

    i've just called sky and taken sky movies off, if i had waited for dh to make the call i would be waiting forever :rolls eyes:

    Also signed up to talktalk online so no more paper bills saving me £1.50 ish a month :rotfl:not much but you know the old adage, every little helps!

    Am thinking of doing a new soa to post up here but really need to get money from tenants and sort out money for cccs first then i will know where i stand with the debt and my budgets

    :A
    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
  • Hi DFW

    Found you! Your doing really well with NSD and increasing payments.

    I know how you feel with the sleepless nights I have 3 children DS age 11, DD1 age 2 & DD2 5 months. DD2 has only ever woke 3 times since being born, DS slept from 4 weeks, DD1 wakes every night anything between 1 - 4 times demanding milk grrrr
    Electric and Gas Predators 17/£700 :(
    :j:j:j October make £10 a day challenge :j:j:j
    £155/£310
  • Hi DFW

    Found you! Your doing really well with NSD and increasing payments.

    I know how you feel with the sleepless nights I have 3 children DS age 11, DD1 age 2 & DD2 5 months. DD2 has only ever woke 3 times since being born, DS slept from 4 weeks, DD1 wakes every night anything between 1 - 4 times demanding milk grrrr


    hey :) glad you found me! i have an older ds too, he is 12 (13 next month :eek: wow i feel old lol) and the two little ones 3 & 2 well they've never ever ever ever slept well *sigh* i'm just counting down days until i can send ds2 to nursery :o all in the hope it will wear him out at night and he will sleep better :rotfl:(fingers crossed it has worked so far with dd) the good thing is ds2 hates milk so i don't ever have to get him that! ;) dfw 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
  • Friday

    :wall::wall::wall::wall::wall:OMG :eek::wall: my youngest son is driving me insane!!!!!!!!!!!!!! He has spent all morning saying no, or should i say getting in my face and screaming NOOOOOOOOOOOOOOOOOO. biting, pinching, punching, kicking his sister and me and throwing toys EVERYWHERE. I thought my eldest was a little s*d when he was this age but jeez ds2 takes the biscuit!!!! I put him on the naughty step and he throws things at me and keeps getting off or going upstairs. and Breathe. Ok, need to calm down. It's just the terrible two's dfw, chill!
    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


    So today I spent £5.16 on posting stuff for ebay. Also spent 40p on 6 kiwi fruit :T and 40p on 6 sausages in the local shop. Need to pop to a big shop really and get some bits but not sure i can handle taking the kids to be honest with you!

    The house, yet again, needs gutting. Today I am on strike! :dance::whistle:

    It can wait until tomorrow.

    We are out all day sunday so i may ask dh if he fancies taking kids swimming tomorrow whilst i get some stuff ready to list on ebay. Found some old winter stuff along with coats i found last week so can wash and take pics of all of it. I want to get it ready on turbo lister so it's ready to go up on a free listing weekend.

    Also need to sort out ds1 stuff to give to his nan who will be seeing him next weekend


    :beer: have a great day everyone!
    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
  • Hi DFW

    At least im not alone :rotfl: My 2 year old is the same, shes such hard work at times, i've always said if she was my first born I would never have had more. I was thinking of loaning her out to schools to convince teenagers to use condoms or they could have one like her :rotfl:
    Electric and Gas Predators 17/£700 :(
    :j:j:j October make £10 a day challenge :j:j:j
    £155/£310
  • yeah! I know, if i had had him first instead of third i would have sent dh straight for the snip, omg he is SO naughty. And if you tell him off he stands there and smiles and says 'i love you mummy' people must think i'm a batty old c*w telling him off and screaming as he turns from monster to butter wouldn't melt.

    hubby just got home and said let's take them to the park let them wear some energy off. I said on yer bike, you take them i'm about to have a breakdown. Lol for once he did as i asked. Must've thought i was serious lol

    I gave in on the strike thing, i hate a dirty house (dammit!) and i remembered i had an electrician coming round to fix a bathroom light haha, so got in from nursery run and ran round like a headless chicken for an hour solidly cleaning, tidying, hoovering and polishing! Light is fixed now (didn't cost me thankfully as wasn't just the bulb or fuse in the fan the whole thing had broken and he had to replace it, phew!) and kids are out so think i may just need to sit here and chill, and listen to the kids next door screaming, thank god it isn't mine 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
  • slm6002
    slm6002 Posts: 4,403 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    glad your day has improved slightly - or at least until they return :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • Saturday

    I checked the bank this morning and had a little shocker :eek: there was only £20 odd quid in there :eek: AND i had £50+ pending on DD's for monday!!! Obviously with no money to borrow from anywhere i'm not too happy ....but I realised they weren't coming out till monday (after my mini heart attack) and am hoping that the child benefit that is due in on monday will cover it all :o!!!!

    Feeling very SKINT!!! Never mind i have to keep telling myself that at least things are being paid for now. I have christmas all wrapped up (excuse the pun) and my car tax, car insurance so i should be happy :D I will keep telling myself this lol until i believe it!!

    DH is being a saint today :A he has taken out the kids so i can have a few hours to myself :T

    so my list of stuff to do today is as follows:

    Bubble bath
    read book
    catch up on emails
    wrap birthday presents for tomorrow
    maybe put a wash on
    definately have some cake and tea
    watch some t.v that doesn't involve talking piggys or magic fairies and elfs that blow noisy trumpets!!!

    :D may be back later with an update, or maybe i might nap for an hour ;) ooooooooooooh i love lazy days :T
    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!
    did you enjoy your time to yourself????????
    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
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