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Mandz1 is finally sorting it out!

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Comments

  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    you are doing amazingly well! Rock on!
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • one-day
    one-day Posts: 303 Forumite
    wow just read ur diary u have done so well not just with ur debt but with the smoking, the house move etc. bet your 2 kiddies are so proud of you
    :eek::eek::eek:grand total of debt on 21/1/11 is £8,208.19 :eek::eek::eek:
    debt total on 30/07/12 is £4313.52
    water £847.75, HSBC £479.66, vodafone £262.35, Captial one £415, AA £47.97, scotcall (scottish power) £622, Arrow £420, Welcome £642.41, CSA (scottish power) £484.90, BT £91.50
  • mandz1
    mandz1 Posts: 2,548 Forumite
    Thankyou Newleaf and one-day. As much as it is hard work, it has been worth it so far. Debt is going down more by not smoking, i am comfy within where i am living now.

    Not alot done today, tomorrow need to do a clean going to try and get rid of a few bits.

    right off to try and find a party outfit for saturday
    PAD Maker
  • mandz1
    mandz1 Posts: 2,548 Forumite
    well it has been a busy day.

    Been to jobcentre for interview, then took kids to mcdonalds. not good for the diet, but i did only have a double cheeseburger, no extras added. but the kids messed about everytime i wanted to look in a clothes shop. so nothing brought to wear for my birthday night out, will have to make do with the rubbish clothes i have.

    No debt payments till tuesday so may be quiet until then
    PAD Maker
  • are you going anywhere nice for your birthday?? How bout just jazzing up an old outfit that you love with some new jewellery? You can some lovely cheap bits from s'bury's and matalan..or perhaps some new shoes....love shoes! just wish my feet weren't so fat lol 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
  • mandz1
    mandz1 Posts: 2,548 Forumite
    My birthday was pretty good, went out with some mates around town. drank quite alot. luckily i dont really get hangovers but the 3hours of sleep that i got made my day really hard. didnt get in till 4 am kids woke me at 7am, so got up went carboot with my mum, then went shopping and had to take the kids to the park as my mum promised them.
    When mum went home, me and ds2 was dropping off on the sofa and it was difficult to keep my eyes open. went to bed at 10.30 which is pretty early for me, got woke up at 12.15 to people making alot of noise walking past my house, then woke up at 8 this morning by the kids playing with their cars at side of my bed. Feel better today than i did yesterday.

    Anyhow, on the debt front, payments due out tomorrow so the debt will be reduced and more payments out on thursday so will be reduced further.

    As much as we dont like to think about it, december is an expensive month and it is getting closer, will need to start saving a little bit each week towards it.

    Off to carry on with the housework i suppose noone else will do it
    PAD Maker
  • mandz1
    mandz1 Posts: 2,548 Forumite
    my eldest has got one of his friends over from school, i have made £70 in debt payments, more due out on thursday. lots of jobs done, including a bit of touch up painting. Got to pick my neices and nephew up from nursery later so need something quick and simple to do for dinner.
    Bank balance isnt looking too bad, mum has looked up drayton manor prices and i am just waiting to see what day we can go as she needs to look at work rotas to see when shes off. So that will be another £35 for that plus food and drink money on the day.
    PAD Maker
  • mandz1
    mandz1 Posts: 2,548 Forumite
    Ok so today i have paid £60 off the debt, takes ncc to under £900 Hopefully wont be long till that has gone.
    Tonights dinner will be spagbol.
    House is looking half messy/half tidy.
    eldest is at his mates for a couple of hours, so me and youngest have been to get a dvd and library to get a book. Will pick eldest up at half 3 come home, have dinner tidy up and hopefully have a relaxing bath tonight.
    PAD Maker
  • mandz1
    mandz1 Posts: 2,548 Forumite
    Would just love a day for relaxing. I was hoping for such a day to happen today, but it hasnt.
    Woke up this morning to find a massive spider in my bath. after much water usage and a hard tub of gel, the spider ceased to exist.
    Went to shops to take dvd back to blockbuster and get a new one for the kids. It took forever just to get them dressed. Picked up a family meal from iceland for later as today was meant to be a rest day and i cant be bothered to cook.
    Mum then rang me as she was at my sisters house and so i met her at the park for an hoour. Kids then got home to wanting the wii on as soon as we opened the door.

    I have put a washload on and hung some of it out to dry, but the kids broke one of my lines yesterday so cant get much out now.

    No big payments off the debt until 28th.

    I have got eldests mate around again tomorrow afternoon, doctors tuesday morning for a weigh in (which isnt looking good atm), wednesday got council inspector round to check out the plastering that is breaking of the wall in kitchen and thursday i am getting my spare carpet laid.
    PAD Maker
  • mandz1
    mandz1 Posts: 2,548 Forumite
    Doctors are rubbish. Went to weigh in today, but that is all they did. what a waste of time. I can weigh myself on my own at home without a nurse looking over me. I was expecting at least a bit of conversation and help on how to carry on losing and advice. so 4lbs lost in a month is not good enough really. My excuses of a holiday and my birthday in between is not going to be viable this next month so i have to do better this month. I am going to weigh myself at home now.
    Also going to hopefully be able to do more exercise once the kids go back to school.
    PAD Maker
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