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SAHM paying off debts slowly

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  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well just a whole lot of blurb and it vanished so lucky people :)

    Been inundated with offers of buggys today so going to collect another one in the morning as friends one wont lie back and daughter needs something a little less basic - which sounds really ungrateful. My friend is coming round in the morning to help me dismantle old bed and put up mid sleeper that i got for my son on freecyle. I am quite excited to give hm some extra space.

    I am going to speak with OH and see what we can do about the money situation as i really will need it before end of week next week to pay bills.
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ok so its the 1st of december and 1st payment for dmp has gone out with no problems. Got just enough money in the account for everything. Next lot of money in on Monday so will have to wait if we need anything else. I was worried that we wouldnt make it but thankfully it worked out - very relieved :)

    Not much else happening here - i have at least 1 of my 20 items selling on ebay - only 99p but i guess its better than nothing. Got some watchers on other items so will see later today what happens. Also sold 2 crayon wraps through my friend which have been made and delivered. Just waiting for payment. Also made some reindeer dust and a few more crayon wraps to sell next week at the craft fair. Could do with a few more pennies for christmas.

    Am suffering this week with a sore throat, and hoping that it doesnt progress to anything else. Have given in and put heating on this morning as i am freezing and already have several layers on. Got washing drying too so dont feel too bad :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ok decembers goals are:

    10 NSD (manages 5/10 in november so must try harder)
    Make £50 though selling bits and pieces
    Keep within dmp budget (including putting things in savings pot for car tax etc)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi everyone - i cant remember if i mentioned the other day or not that i had sold another 2 crayon wraps = £9.00. Also done really well on facebook sales making £5 plus ebay 5 items have gone - all 99p but i guess the little bits add up. Also had some money for a little bit of work that i did for a friend. So although not rolling in money yet i am able to buy a few more pressies before xmas. I cant beleive there is only 1 more week of school and then a few more days before xmas. Still nowhere near ready but i have managed to put tree up and decorate lounge. Its getting there but slowly just like my debts :)

    Got the craft fair at the school tonight so hopefully my crayon wraps (yet to make - todays job) and reindeer dust sell to get a few more pennies. Santa will also be there so no doubt i will have to pay out for that.

    Anyway i must get a move on as wraos wont make themselves. Have a great day everyone :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ok so £10 made at the craft fair from reindeer dust (never managed the wraps - oops) plus lady now collected items from facebook so £15 made today :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • yay well done on the sales :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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    well done on the craft sales - every little helps especially at xmas....

    Glad you are managing to make your money stretch too
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Thanks. I do seem to have people handing me money at the moment and i am trying not to spend it as i am sure money will come to a hault before too long - Were still waiting to here what happens with OH over holiday period. Not sure if he takes holiday or just bank holidays? Also if he has holiday what are his basic hours as he has no real contract that has been written down - dangerous i think but its the way their company runs from the sounds of it. Anyway i am trying to keep wages from disappearing too quickly incase i have to go short one week.

    Am feeling a lot more positive at the moment. Looking forward to new year when budgeting can get back to normal - no pressie buying.

    Its really cold but need to stay up to cook OH's dinner. Want to snuggle up in bed and get warm - am too stingy to turn heating on at the mo - it has been on but no washing to dry aat the moment so no heating for us :)

    Night everyone x
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wise I think to have a little money store - like you say money over xmas could be unpredictable
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • slm6002
    slm6002 Posts: 4,392 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I need a little help - what can i buy daughters boyfriend - only needs to be something little but a little thoughtful. They are only 6 but he has bought her some lovely best friend friendship bracelets (£5 worth as ticket still on back). Only 2 days to go before we break up for the holidays - help please
    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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