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Fresh start for 2011

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  • Hi Abba, i opened a savings account on line to save my £2 aday for Xmas as i never trusted myself not to pinch the cash :o I now have £84 as i missed putting it in for 2 weeks.

    Hi Shelski, welcome to my diary- i cannot see how i will help you much asi am struggling at the moment to help myself :( but i will support you in your debt busting .

    Hi Brizzle, yes i have been quiet. Been feeling really low lately and being constantly skint does not help matters, i just never seem to get anywhere with clearing my debts. I know this is not the case entirely, i am re paying my aunty the loan and will be finished by the end of the year. I just get sick of having to watch every penny i spend.

    Felt really guilty at half term not being able to take the DC out for a day, it was really cold & miserable and the highlight of their days was walking the dog. They do not seem to mind and are really good but i would have loved to have been able to take them to the cinema or skating but with 3 kids it turns out expensive.

    I still have no overtime at work, was hoping to pick up a couple of extra shifts a month to pay off the CCs, but no luck there.
    I am still spending far too much on supermarkets. Have just finished an on line order for delivery tomorrow, did a 6 day meal planner beforehand so hope to stick to that and not need to nip to bloody Sainsburys, i am like an addict in there, go in and buy anything on offer :mad:

    Well, what a miserable post, i apologise to anyone reading :( but i do feel a bit brighter to get it off my chest. Need to nip into my diary every couple of days, been burying my head in the sand again.

    On a plus point, it is a lovely sunny day, lets hope it stays :)
    05/03/14 £15,980 0n 2 CCs
    07/04/14 £15,690 On 2 CCs

    :eek: :(
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    you have a grumble whenever you want hunni it's what we are here for xxxxx

    well done on the savings i need to hurry up and catch up lol xxx
    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
  • Evening MC :wave:


    I can't believe i haven't ever posted on your diary! I've seen you on others and never come across yours till now :)

    I will subscribe and try and read back over the weekend on the last 14 pages ;)

    Please don'e beat yourself up about your spends the other day. Boy, if you wanna see SPENDS go onto my diary :( in one month i blew £984 over the budget just cos i was 'feeling low' :doh::doh::wall:

    Anyway have a lovely evening and i'll catch up xx
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
  • Hi dfw321, You made me grin at your overspend !! Welcome, i shall have a nosey at your diary too ;)
    05/03/14 £15,980 0n 2 CCs
    07/04/14 £15,690 On 2 CCs

    :eek: :(
  • Just awoke from a 40 minute siesta :rotfl:Was putting the ironing away and had the urge to lie on the freshly made bed and had a snooze!! Working nights does mess up my sleep pattern but my last shift was 2 nights ago, so cannot use that as an excuse!

    Need to crack on with the tea, cottage pie today. I like to have it ready so can cook when DC are in from school. Will prepare 2 and freeze one for another day as the mince was 3 for £10. Then i can make Jamie Oliver burgers with the other batch of mince. Oh ! what an exciting life i lead..............
    05/03/14 £15,980 0n 2 CCs
    07/04/14 £15,690 On 2 CCs

    :eek: :(
  • :j A little good news... a colleague has unexpectedly given her notice in, therefore work need 2 !!!!!! covering!!! I am able to work Sunday & Monday night as overtime, as these fall in February i will get paid the extras at the end of March :j Horray!!! The extra cash will go straight to paying the CCs. Really pleased as i would only be able to cover the minimum payments.
    05/03/14 £15,980 0n 2 CCs
    07/04/14 £15,690 On 2 CCs

    :eek: :(
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi brilliant news MC..but the typo did make me laugh:rotfl:

    Thats a stroke of luck..and see.. I think it happened cos you were posting more regularly ;):p

    We like seeing your posts and we are here to help each other when we're low..so don't be a stranger!!!:D

    I am really glad your DC are pleased by the small things in life...its the best upbringing you can give them..really it is.

    Have a good weekend and keep on making yummy stuff from that mince!!

    Brizzle
    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
  • haha! and why wasn't that !!!! (bleeped out) lol! have a good weekend MC :)
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
  • OH MY GOODNESS!!!! I re read my post 3 times, not understanding what you were referring too...........:rotfl:Really sorry, SHIFTS I am covering SHIFTS:rotfl::rotfl:
    05/03/14 £15,980 0n 2 CCs
    07/04/14 £15,690 On 2 CCs

    :eek: :(
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    made me chuckle too lol
    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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