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Pinot's Potty debt free journey!!!

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  • I'll read your posts in full later.
    Just wanted to say I'm sorry to hear about the lack of work. :(
    Good news about the payment to HMRC. :j

    I had to smile, I do apologise, when I read about the cooking. I remember your escapades from earlier in the year. ;)

    Thanks for popping in to my diary. It's lovely to see you posting on your diary again. You've sorely missed when you're not about. I get my daily emails from MSE and always look out for one from you.

    Chilling listening to Smooth Classics on Classic FM listen again service. :)
    Just had an old TV ad come into my head when I typed that. :rotfl:
    It's for Cadbury's Caramel with the hare and the tortoise.
    Take it easy with Cadbury's Caramel. Unfortunately I don't have any. :rotfl:
    Where did that come from? Perhaps my mind has gone. :rotfl:
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    edited 10 December 2012 at 11:52PM
    Love cadburys caramels.. Hmmm. Need to stop reading these forums now otherwise will end up raiding the fridge!!

    Don't worry Mrs PG....it could happen to anyone. I failed to defrost the chicken yesterday properly plus tried to use Delias mega quick roast recipe on too large a bird:o ..as I started carving there were pink juices:eek: so had to delay the roast yesterday as I cooked it for another 20 mins so as not to poison everyone...I was :mad: and stressed :eek: made a lovely pie today though..also with LO chicken, chorizo and flageolet beans ( for bulk). If I say so myself my pastry was yummy. And loads left for my lunch tomorrow!

    Will catch up,tomorrow. Fingers crossed for work
    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
  • I seem to be dipping in and out of Diaryland at the moment. Where are the days going ?

    Sure I am due to post a mammoth update and also need to settle down with a cuppa and choice biscuits and catch up on everyone's news. I will aim to do that soon.

    In the meantime , the quick news is :-

    Another £250 paid to HMRC :D

    Company VAT paid , that cleared us out :eek:

    Took girls to the Electric Forest last night .........so much fun ! :T

    Realised I am not as organised as I thought for Xmas and dreamt last night that all of our guests arrived on Christmas Day and there was nothing to eat or drink. Not one solitary thing !! The reason for this dream is that we had no income, therefore no money to buy the celebratory food and drink to feed the hordes arriving for the mandatory Christmas lunch to include canap!s washed down with Champagne , sorbet mid course, starters mains and a selection of at least six desserts. Oh and not forgetting tea in the evening of course !


    Sadly the reason for this dream is partially true. We have no work :( not one solitary day. This have never happened before in December. It's always quieter and things are last minute, but its never been this quiet.:eek::eek: we have gone from being totally crazy, turning work away last week, to nothing. The work we did have for the rest of December was canceled on Friday. It was only a few days, but would have brought in something. We have 8 days work in December, we need 20 to just pay the bills.

    I am trying to keep calm and positive. We will spend the day trying to drum things up, but we can't have what isn't there.

    Now this little drama........ I wasnt expecting !!

    Hope you are all well :D x x


    Sorry to hear about work, it will pick up.

    Have you considered a month of token payments?

    HHx
  • So on with the day......

    My list is huge, I would post it but am afraid it would send you all fast asleep, but I have crossed a few things.

    Mr PG currently putting in loads of expenses to claw some money back. November was a good month, we can if we are careful and if nothing more comes in for December just about eek our way through. This doesnt account for the Christmas BlowOut though which obviously includes Keeping Up Those Appearances ! If January does the same and is crazily quiet then we are in big trouble, but I wont think about that yet.

    We turned down work for Xmas Day, Boxing Day, New Years Day and New YEars Eve this year, now I am beginning to think maybe that was a mistake but hindsight is a wonderful thing. We wanted to spend some quality family time for once, thats got to be more important than paying these debts surely ?! :o

    We have been lucky, many others in the same industry have been begging us for work, many have had to sell up, there are many tales of woe. We have been lucky. We have had a very very good year.

    If this blasted debt wasnt hanging over us things would be easier.

    We have a few options if things dont improve, I will keep those in mind but for now will think positive and hope we dont need to go down those routes , after all the work was only cancelled Friday. Mr PG worked until midnight last Friday but its such a rarity for him to be home , after a couple of days we get the jitters. Its a shame, it would be nice to just enjoy him having a few days off, but instead we are worrying just a tad.

    I will though put him to good use if nothing comes up.

    The kitchen we started painting in January and havent had time to finish, I have put that on Mr PG's list. The downstairs loo was painted in May, but that wasnt finished either, also on his list. The bathroom flooded in April time, this needs to be useable by Christmas day which includes a new bath panel , toilet seat and flooring. I have flooring in the garage, it wouldnt be my choice, but it is free and good enough to get the bathroom useable. In an ideal world the whole bathroom suite would be ripped out and redone from scratch but that wont be happening so we will make do and mend ! :D The Christmas lights and reindeers need to go outside the front of the house. The tree and house are decorated :xmastree:

    Those are my musings for the day.........on with my list xxx

    Here's another muse. You can't buy back time. Enjoy family christmas, the debt will wait.

    HHx
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Just checking in MrsPG..fingers crossed.

    Also for Piq :-( xx
    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
  • brizzledfw wrote: »
    Just checking in MrsPG..fingers crossed.

    Also for Piq :-( xx

    I actually dont really care about myself this morning, we will be fine .

    Im more worried about my lovely Great Aunt Piq x :(
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Don't!

    I think you should worry more about not serving pastry brush pie, we won't be seeing you on Masterchef with that one....
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Piquant wrote: »
    Don't!

    I think you should worry more about not serving pastry brush pie, we won't be seeing you on Masterchef with that one....

    I honestly don't see why not ?! :rotfl:

    It could become a new speciality ! X
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • bonnington wrote: »
    I'll read your posts in full later.
    Just wanted to say I'm sorry to hear about the lack of work. :(
    Good news about the payment to HMRC. :j

    I had to smile, I do apologise, when I read about the cooking. I remember your escapades from earlier in the year. ;)

    Thanks for popping in to my diary. It's lovely to see you posting on your diary again. You've sorely missed when you're not about. I get my daily emails from MSE and always look out for one from you.

    Chilling listening to Smooth Classics on Classic FM listen again service. :)
    Just had an old TV ad come into my head when I typed that. :rotfl:
    It's for Cadbury's Caramel with the hare and the tortoise.
    Take it easy with Cadbury's Caramel. Unfortunately I don't have any. :rotfl:
    Where did that come from? Perhaps my mind has gone. :rotfl:

    Hee I'm sure you remember my culinary exploits Mr B. They always seem to happen when I am trying to make something out of nothing.:rotfl:

    Hope the Chilled out Classical Music did the trick last night and de stressed you !


    Good to see you xx
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • brizzledfw wrote: »
    Love cadburys caramels.. Hmmm. Need to stop reading these forums now otherwise will end up raiding the fridge!!

    Don't worry Mrs PG....it could happen to anyone. I failed to defrost the chicken yesterday properly plus tried to use Delias mega quick roast recipe on too large a bird:o ..as I started carving there were pink juices:eek: so had to delay the roast yesterday as I cooked it for another 20 mins so as not to poison everyone...I was :mad: and stressed :eek: made a lovely pie today though..also with LO chicken, chorizo and flageolet beans ( for bulk). If I say so myself my pastry was yummy. And loads left for my lunch tomorrow!

    Will catch up,tomorrow. Fingers crossed for work

    Now you are jsut showing off Mrs B with your byootiful Pie and homemade pastry. I will pop the family ont he train and send them to your neck of the woods when they want Pie for Dinner next ! :rotfl:
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
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