Moooooving back to DFW - one Fresian's continued adventures in debt-busting

mooomin

Hiya :wave:

I'm mooomin and I was a regular around these parts for quite some time before I sailed off to the MFW board. I made quite a few overpayments to my mortgage this year, but am coming to the conclusion that I'm not quite ready to be there full time.

Earlier in the year I took out a loan to buy Fred The Fiat, my gorgeous Fiat 500, and have been paying money into a fund to repay the loan early. Things are starting to get in the way now though and I'm coming to the conclusion that I can't repay a £5,000 loan in a year while making mortgage overpayments. So, I'm moving back in to the DFW boards for a while

My current SOA is below:

Monthly income: £1180 (approx)

Outgoings:

Mortgage: £214
Council tax: £135
Union: £9
My mobile: £37 with another 10 months left on my contract *d'oh*
Mr M's mobile: £17
Gas/electric: £60
TV Licence: £13
Home insurance: £17
Virgin Media: £35
Current account fee: £8
Loan payment: £110
Petrol: £100
Holiday savings: £20
Entertainment: £50
Christmas/Birthdays: £30
Groceries: £210 to feed me, Mr Mooomin and two fat, old cats
Car fund: £50 to cover MOT and tax

Total: £1105

That leaves me with a small surplus of £75. Normally I manage to budget ok, but recently I've been dipping into my credit card towards the end of the month and I really need to knock that on the head.

I currently make extra money from selling the occasional card (find me lurking on the cardmaking thread a lot!), Ebay when I can find the patience and surveys. I recently bought myself a Kindle with my survey vouchers, so am becoming quite good at using this as a useful source of Amazon vouchers for treats without using real money

I think I've rambled long enough, so thanks for still being awake (if you are!)

Housework*Fairy

I'm awake. I'm reading and I'm here for you xx

Lemon_Tree

Hi FF, glad you're back with us on these boards.
I'm with you i also need to get my act together enough to dye my hair today - it's a job i really hate having to do.

mooomin

Lemon_Tree wrote: »

Hi FF, glad you're back with us on these boards.
I'm with you i also need to get my act together enough to dye my hair today - it's a job i really hate having to do.

The dye is on my head, so the first part is done :rotfl:

Five previously unsold Ebay items have been relisted, and I have some more to put on later today. The fun never stops

lilmissmup

Hello, I is subscribing to stalk you!!!

:D:D

hypno06

Welcome home :rotfl:

slowlyfading

:hello: and welcome back!

mooomin

hypno06 wrote: »

Welcome home :rotfl:

slowlyfading wrote: »

:hello: and welcome back!

Thanks ladies

I felt like a fraud on the MFW board since taking out the loan for Fred, so it's back to the safe and welcoming arms of DFW for me

scubaangel

Welcome back to DFW FF - does chasing you back over here count as my exersize for the day?

InaPickle

Yay Fresian!

Welcome home, indeed! And may you never tread from this board forthwith...;)

Glad to have you back. To quote M-People 'You're moooooving on up, you're mooooving on out'

*Gets coat and runs*

mooomin

scubaangel wrote: »

Welcome back to DFW FF - does chasing you back over here count as my exersize for the day?

Absolutely, have a biscuit

*unveils plate of Jammie Dodgers*

InaPickle wrote: »

Yay Fresian!

Welcome home, indeed! And may you never tread from this board forthwith...;)

I figure that I'll be hear for at least 18 months trying to repay this blasted loan, assuming nothing else in the house needs fixing :rotfl::rotfl::rotfl: I think I am settling in for the long-haul again...