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Pinot's Potty debt free journey!!!

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  • Is it me, or is all this financial stuff absolutely exhausting. _pale_ Either my brain is hurting so much after the last few months or I am coming down with the lurgy, but I feel like I could sleep for day and days !

    Thats all for now.

    Really cant think straight today :(
    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
  • Hey Pinot :D

    I'm exhuasted today, only not by my money matters for a change :p


    I wish i knew how to add a chart or whatever to my spreadsheet, feeling left out now! But it took me 1 whole year to understand how to do a basic budget one :p so perhaps it is a little beyond me. Technology not my forte!
    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
  • Loubylou2
    Loubylou2 Posts: 211 Forumite
    Part of the Furniture Combo Breaker
    Hi Pinot, HH & Co
    Hope you're feeling a bit better. I felt really ill in the night but better after a sleepless few hours so unfortunately well enough for work:mad:

    However I also think that after the first few weeks/months of getting sorted, taking control etc there is a lull and I did feel a bit down for a bit. A bit like an anti climax but its to be expected. And still so much better than that horrible feeling in the pit of your stomach that you get BEFORE the LBM.
    Snuggly evening in by the fire, early night for all of us then!
    (oh forgot i've got 2 customers ironing to do (my second job:()

    LLxx
    DMP mutual support member 397
  • Hey Pinot :D

    I'm exhuasted today, only not by my money matters for a change :p


    I wish i knew how to add a chart or whatever to my spreadsheet, feeling left out now! But it took me 1 whole year to understand how to do a basic budget one :p so perhaps it is a little beyond me. Technology not my forte!

    Sorry to hear that ! I have quickly caught up on your diary today, but nothings sinking in at all !

    I'm reasonably techinical but spreadsheets are not my forte. My bar charts are all on an app, so in all honesty I just cheat, press a button and it does it all for me. Sorry ! Mr Pinot is great with all that stuff though , I will ask him when he is about next, (I think maybe Fri ), he might be able to give me what I call a "Divs Guide " Not aimed at you in any way of course :D, its just what I call everything and anything I need to him to explain to me over and over again and in simple terms! If not I'm sure Kerri is the Spreadsheet / Chart Queen ! :) Correct me if I'm wrong Kerri !
    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
  • Loubylou2 wrote: »
    Hi Pinot, HH & Co
    Hope you're feeling a bit better. I felt really ill in the night but better after a sleepless few hours so unfortunately well enough for work:mad:

    However I also think that after the first few weeks/months of getting sorted, taking control etc there is a lull and I did feel a bit down for a bit. A bit like an anti climax but its to be expected. And still so much better than that horrible feeling in the pit of your stomach that you get BEFORE the LBM.
    Snuggly evening in by the fire, early night for all of us then!
    (oh forgot i've got 2 customers ironing to do (my second job:()

    LLxx

    Louby Lou, I'm not sure whats up with me today, I think maybe its not the whole money stuff after all, I cant stop shivering, and my head hurts !! I have been trying to work all day, but my head is not playing the game ! I'm bundled up in so many layers, woolly socks and my daughters gilet with a hot water bottle, sitting in front of the computer. Ive got the heating up full pelt ( that wont help the budget will it ?!)

    It could be a bit of both maybe , I'm kind of missing those letters dropping through the doormat and the phone ringing constantly !!:rotfl:Ive have still got so much more I want to do, but think I maybe need to switch off from the letter writing for a few days.

    I'm sorry you have been feeling ill as well, shame you couldnt hide away indoors in your pjs !

    Ooh a snuggly evening sounds lovely, but I'm still working and your still working , so neither of us can do that. :( I need to collect Mr Pinot from the train station about 11pm and take him back there about 5am. Yuk ! Think a raincheck for tomorrow is needed.

    Really hope you feel better soon.

    Sorry I havent caught up on everyones diaries properly for a few days.

    Hope you are all ok though 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
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    I tinker with spreadsheets, mine has 10 sheets ;) but I'm not a spreadsheet queen it's all fairly basic and no graphs. Although I quite fancy the idea of a few graphs :D

    You sound like you've got flu, to bed with you to rest your head and feel bright and breezy tomorrow morning :)
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hope u feel better soon Mrs PG..

    A hot whisky toddy is needed perhaps??!:D
    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: »
    Hope u feel better soon Mrs PG..

    A hot whisky toddy is needed perhaps??!:D

    Thankyou Brizzled, I agree, just what the doctor ordered !:D

    Do you think I am allowed more than one ?!:beer:

    Hope you are ok 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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    I am good...although maybe I could also manage a whisky..not sure I can be bothered to move now though!!

    Get well soon
    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
  • f1widow
    f1widow Posts: 1,179 Forumite
    Hi Pinot - owwww poor you - hope you are feeling better today - it could be all the worry coming out of you or could be this silly flu thats doing the rounds - Ive been AWOL due to poorly and life here as well

    Anyway hope the toddy worked and you feel more chipper today!

    xxx
    Debt Diary: Im not going to be an Ostrich anymore -LBM - 16/1/12 /
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