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determined to be debtfree!

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  • slm6002
    slm6002 Posts: 4,405 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    thanks for that i have most of the above so perhaps i will give it a go soon. Even better if little ones will eat it :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • I am making toad in the hole tomorrow, and I cant say I am thrilled at the prospect, but the husband is. The sausage casserole you mention is much more tasty!
    Trying to shift that debt!
  • oooh you should try it, i really can't believe how much the kids all ate! Even ds2 who usually gags on anything remotely healthy, i.e sweet potato, sweet corn, etc etc lol ate all of it! I thought he would just go for the sausages but he really enjoyed it :)

    It's cheap too i reckon around £5 for a meal for about 6/7 ..i also put 2 pints of veg stock in as it was a bit dry otherwise i thought?!

    :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
  • Thursday

    well i am aiming for another nsd today, mainly because my bank account sits at £4.68 :cool:

    DS1 put £4 in my change jar last night as I bought him £4 worth of games on his itunes thingy I would normally let him get away with it and not let him pay. BUT i feel if i continue to do this i will set him up for failure with money the same way i was! It's obviously not my parents fault i got into debt lol but when you are given everything right up till when you move out it's hard to stop yourself thinking you're entitled to it even when there is no money in the bank :o:o I'd like my son to learn this lesson before he hits 32 preferably :rotfl: So I have a few quid in the jar now and need to empty it out because I am certain that dh is helping himself whenever he wants a few quid in his pocket :mad: this makes me mad because i am the only one who regularly empties out purses, pockets etc to fill it up :mad:

    So will do that, perhaps today...haven't decided what i'm doing yet today. Weather is grey and miserable so maybe the zoo but i expect the soft play area will be packed with like minded peeps!

    My available balance is the same as the balance so hopefully no nasty surprise transactions on there later today! I wish they would show on the pending transactions all the money due out...i.e if you spend £6 in sainsbugs , £20 direct debit due out, £3 on itunes or whatever. I would really know where i stand then rather than just with the usual bills which i expect anyway :cool:

    Dinner today: either jacket potato with salad or chilli & wedges. not sure which yet, far too early to decide ;)

    :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
  • well i've had 2 cups of tea, am awake now, off to shower & get dressed and get out the house i think! There is half a tank of petrol to last till monday so plenty to get to my bank to pay coppers & change in & also enough to go to zoo or park after :)

    House has been picked up and tipped upside down, well at least that is what anyone would think should they dare to step into it! And i'm leaving it. Fed up. Cleaned it at least 50 million times since having kids and still takes them 2 mins to destroy it, bah!!

    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
  • Hi DFW

    It seems we are in simular position with DHs grrrr we will get them in shape one day!

    I bet it has been great having the DS1 home. Hope you are feeling abit happier than a few days ago, its horrible feeling so down. Hopefully you will get some tennants soon.
    Electric and Gas Predators 17/£700 :(
    :j:j:j October make £10 a day challenge :j:j:j
    £155/£310
  • hey skint, yep feeling much happier i hate it when i have down days they seem to last forever :( i'm really looking forward to starting my meditation course next week i think that will help loads with my anxiety, stress levels & temper lol!

    I've made another £4 today from a facebook sale :) and took the kids to the zoo where i got frightened out of my skin!!! Blooming halloween! There was me trying to convince the kids that it wasn't scary walking through the pretend graveyard and a !!!!!!!g werewolf jumps out on me grrrr lol i'll know better next time :p

    nsd here too yay!!!

    Be back later probably as dh is away tonight and i will be bored ;)
    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

    Well dh didn't go away last night he had to be up early this morning to go instead so he was gone before 5am and the kids have been up all night nearly!!!! DS2 decided to shave himself last night (razors were out of reach- so i thought, seems lil monster can climb up to anything he wants) so he went to bed ibuprofened up, and blood everywhere, dd and I were traumatised, seems she likes the sight of blood as much as me. And blood mixed with bath water well it was literally like a blood bath :shocked:

    DH is away until tomorrow. So am staying in, house is relatively clean. Upstairs all hoovered & dusted, beds changed, rooms aired out. Downstairs is hoovered, partially clean (if you ignore the copious amounts of toys, it's sparkling clean) and i'm having a 'shattered, can't be a$$ed to do anything day'.

    Checked online bank still in credit :D and pending is mondays pay wohoo :j he is due £100 extra this month for some reason so that's £100 extra towards the budget....I have prospective tenants looking round tonight and others waiting to see it too. Will ring dad soon see if it is all ready and gleaming to go. Also want to see if he has a camera so someone can do a thorough inventory of what the house is like pre-tenants! Think I need to get new tenants to sign pics and agree it and that is that, will double check on t'internet though as there are lots of guides to doing your own schedule of condition to save me hundreds of quid that the money grabbing management company like to charge ........

    Ok ds1 asking for pancakes so best get off here :)
    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 well trying to negotiate someone to do me a schedule of condition, if i can't am going to have to fork out for one. Viewing is booked for tonight and several other people are interested. Good thing about where my property is that there is a shortage of housing so never normally waiting too long for a tenant. And now I have new carpet etc hopefully it will be snapped up ;)

    Another NSD here hopefully, I do need to go to the bank at some point to get some money bags, but can't be bothered driving over there! Will ask dh if he is driving past one today to pop in and get me some :p

    He has agreed also to take kids out on sunday so that I can crack on with finishing some sock monkeys. Everytime, and i mean EVERYTIME i get them out during the day the kids are round me like flies on **&£ and by the time they are in bed i want to collapse not sew :( ! I did 2 last night but they need mouths ;) lol but they are literally good to go, today I am going to make my facebook page for them and will upload at least 5 for sale by monday/tuesday this is my mini challenge to myself!!

    Ebay free listing weekend: will get all the expensive bits on that i can find! Still debating whether to steal ds1 t.v/dvd from his room:rotfl:

    Think there is a highchair in the garage ready to go, just needs a clean and putting together (is a wooden table & chair - highchair one! i'll have a look later and see what condition it is in. If it's not worth selling I may just get it out and clean it and put in living room as i accidently broke one of their chairs the other day :o i stood on it and fell straight through it (was trying to put up the clean curtains haha) clearly not designed to hold my weight :o:o

    DFW :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
  • :mad: ok so my item was described as 'good used condition' so feedback after they received it was 'item has been well worn, disappointed'

    ?????? !!!!!!???

    Am i doing something wrong here all i seem to get lately is dodgy feedback :(....

    item was worn and it was used for a whole winter (ds2 gap jacket) it was washed probably 3 times knowing how messy he is, and i've listed that it was used what else do these f*(*^&%G people want for 99P for F*&(*^ sake :mad:

    I really HATE ebaying and can't wait until I am out of debt, the nice grateful people in the charity shops can have my things :(:mad:
    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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