Mandz1 is finally sorting it out!

mandz1

Hello all, Well it is just over a year since i started my 1st diary, so i feel like its time to start a new one!
At my lightbulb moment, my debt was around £16,110.47. My debt now stands at £11,745.36 Which i have worked out as 27.1% of my debt paid off since may 2010.

I am a single mum of 2 boys aged 5 and 2. currently am not working, am living in rented accomadation, but i am hoping to get a council house soon.(fingers crossed).

I am also trying to lose weight, so far i have lost 19lbs but weigh in is tomorrow so will see which way i go.

Have signed up to lots of challenges in my time on here which have really helped, so i will continue to do these to help me out.

Will find anyway possible to save cash or sell the rest of the junk i dont need anymore.

If you want, come along for the ride, all company welcome

mandz1

Well, today i have been mostly cleaning, not that i wanted to and im am sweating cos its sooo hot.
I have cleaned my sons bedroom, wash pots, sorted out airer, put a washload on, hoovered living room and sent of 4 items sold on ebay. Just need to put the wet clothes on airer when they have finished washing and i really do need to sorts my kids toys out as they are everywhere.

Have just checked my credit report and another search has come off today, 3 more to go and there should be no searches left on there. Will not start getting defaults or accounts of there till at least next year.

Have finally got to enough points to cash out a £15 love2shop voucher from toluna. dont think i will be bothering again now though as it took forever to just get one voucher. I am £1.70 away from cashing out on one poll and 50p away from a voucher from valued opinions.

Will be going out on the 13th for my birthday with some friends, i have my outfit and i have some money saved already for this, but i am going to the seaside for two days with my mum on the 23rd and 24th and need to sort out some spending money for this. Kids will want to go on rides, have ice cream and need to give my mum petrol money.( she is paying for the hotel so i offered to pay for petrol, which is cheaper for me really as the petrol is alot cheaper than the hotel hehe)

Going to do some sums later to work out debt payments, holiday money and food shopping, oh the fun of it.

mandz1

Well today has been stressful, Kids have been arguing and fighting, then messing about, not wanting to go to bed just really winding me up.
The last two things that need paying for on ebay still havent been paid for. And i just ate a bar of chocolate, not good seeing as it is weigh in day tomorrow. Really hope tomorrow will be better. Think me stressing out might alo be to do with the fact that i didnt sleep very long last night, think i got about 4 hours. Going to try and catch some more z's tonight, hopefully.

mandz1

Well i have weighed myself this morning and i have a 1lb loss. Not bad considering i thought i had done rubbish this week. That takes me to my 25% target. Now just to get rid of the other 75%.

Pay day tomorrow so will be making a few payments, which means the debt will reduce again. i love seeing it go down, knowing that it will not go up anymore. I have well and truly learnt my lesson and hopefully it can rub off on my sons so they never have to go through the debt busting and cutting back lifestyle.

Really cant wait for my birthday night out, i really need just to have some fun with my friends to help destress me a little bit. lots of laughter and sillyness.

mandz1

Well have made a few debt repayments, only a few more to go, but in the meantime, i will be making overpayments towards some of them.
Went out with my boys again today as they wanted to see their nanna. Have done my exercise and i am still sweating, not long finished.
Now watching telly and catching up with anything i need to while trying to chill.

mandz1

Hi diary,

Well this weekend was bad food wise, stayed at the mothers saturday night, and went to the riverside festival with the kids on sunday then stopped of at my sisters for tea and cake. Not good when your trying to lose weight and my sister is trying to set up a cupcake business. grrr.
Going to jump on the wii now to see what damage i have caused.
Not alot to say on the debt front, going to see if i have any money left over at the end of the week, then i may pay some more off if i can.

Right off to do some jobs and weigh myself

mandz1

Well today is my BIRTHDAY. Not doing much, just chilling with my boys and having fun. Going out on saturday, already have money saved for it and my outfit is now complete.

Still been making small extra payments to capquest to try and get rid of it. Going down slowly but surely.

mandz1

Well today i have been out and done the food shopping and topped up the electric. No debt payments today. am waiting for my onepoll cash to hit my bank and will then pay that of capquest.

Tomorrow night i am going out with some friends to celebrate my birthday properly, so alot of empty calories will be consumed in the form of alcohol, but i dont go out often so it is my treat to myself and i will work extra hard to work it all off again. Cant wait to just go out and let my hair down.

clippy_girl

happy birthday for yest! hope you have a lovely night tomorrow! _party_

mandz1

Well another week has come.

Thankyou clippy, i had a lovely night out. Way too much alcohol consumed though.

Well today already i have washed the pots, put a wash load on and hung it on the airer, hoovered the living room and done half and hour of exercise. Still got lots of cleaning to do though. Ihave hurt my side somehow, think it was when my mate picked me up and squeezed my dead hard on saturday night, but its still really hurtss. will do more exercie later if i can.

Need to go upstairs and clean the bathroom and my ds1 bedroom. and need to clean all the surfaces in the kitchen. Got a few things that need to be taken down to the tip, hoping my mum will help me out with that. Just want to get rid of all the junk in the house and make it look a bit tidier, not easy when there are two little boys that like to see it messy.

Made a small payment of £9 towards the 100 day challenge today as it was the remaining money in the bank, so thought i might as well put it towards the debt as i wouldnt be spending it anyway.

Right cant sit around all day, must get up and do something.

mandz1

Hello diary land,

Been being very busy since yesterday, my kitchen looks very clean, cant say much for the living room as the kids keep getting toys out.
I have refunded a ebay item finally after paypal wouldnt let me for a few days(dont know why though, idiots), my onepoll money came through this money so have paid that straight off the debt as otherwise i would have spent it on the kids. Have paid payments that were due to go out today. Only have one more payments this month of £20, so any other money will be overpayments to the debt. Need to sort out some money for skeggy next week, will do this later when the kids arent in my ear.

Havent done any exercise today yet, but i need to go out and get some duct tape(going to try and fix the big rip in my sofa), so may walk to the shops which will be a good walk for me and the kids.also need to get some milk.

Just looking round the living room at the mess is really winding me up so think i will have to go clean it up as the kids wont.