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Pinot's Potty debt free journey!!!

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  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Wow, you have been busy. Sorry to hear you were stressed about money, but don't forget the buffer is there for that very reason *hugs*

    I find when OH snores that a quick slap in the face with the back of my hand works and as he's asleep he's none the wiser wohahahah. Well he wasn't until I shared the tip with a friend in front of him hehehe although he teeth grinds, not snores

    Ooh also, I heard that when bread looks a little green then it's actually all green and shouldn't be touched eep!
    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]
  • So pleased to hear Mr PG is on his way home. Good luck on the sleeping front tonight.

    I've started putting our cereal in container so I can see when they're empty as our boys always put the empty boxes back in the cupboard too. :( Although have to be honest, it's not just cereal boxes that go back in empty it's all boxes and empty wrappers.
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
  • My Dad used to say (and still does to be fair) a bit of mold is only a bit of penicillin so won't hurt you. Not sure if that's right but I'm sure we've all eaten a bit of the green stuff in our lives. :) xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
  • bonnington - Can you believe I forgot to buy the bread after all ?! I'm sure there must be some more hiding in the cupboard ,on the turn ,waiting to be fed to the unsuspecting hordes !:rotfl:

    I have just found snorezee online, thank you :D

    Kerri - Thanks for the top snoring tip, I have a habit of blurting things out in front of Mr Pinot that I really should shave kept to myself ! :D Actually many years ago I managed to put my dads car in a ditch while giving a friend driving lessons that I really shouldn't have been doing. Managed to flag down a passing Gas Van and a Doctor ( We didn't need a Doctor but he happened to be passing !!) who towed us out, zipped home polished the car with furniture polish and all was good. Until 20 years later after one too many, I relayed the story to him and many others, totally forgetting that I had never owned up in the first place !!! :eek:

    My bread wasn't green all the way through I promise ,only slightly dodgy around the edges !!!

    Fluffy - You are far to organised for me ! I buy plastics boxes, and containers and always lose the blasted lids !!
    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
  • How could you forget the bread? :rotfl:

    Hope the snoring strips work. Everybody is not the same, but it's worth a try. :D
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
  • Hi everyone - i have been reading and possibly posting infrequently

    Mrs PG and others - i feel your pain on the snoring - OH is terrible - i have told him he needs to go to chemist and get something i am sure at times the bed shakes he is that loud :eek: - very helpfully had his parents tell me i should buy ear plugs :rotfl::rotfl::rotfl:
    My Dad used to say (and still does to be fair) a bit of mold is only a bit of penicillin so won't hurt you. Not sure if that's right but I'm sure we've all eaten a bit of the green stuff in our lives. :) xx

    thank you alice i have heard this before too - it was nice to be reminded of it - and as long as the bit i eat isn't green i'm not bothered :p
    bonnington - Can you believe I forgot to buy the bread after all ?! I'm sure there must be some more hiding in the cupboard ,on the turn ,waiting to be fed to the unsuspecting hordes !:rotfl:

    I have just found snorezee online, thank you :D

    Kerri - Thanks for the top snoring tip, I have a habit of blurting things out in front of Mr Pinot that I really should shave kept to myself ! :D Actually many years ago I managed to put my dads car in a ditch while giving a friend driving lessons that I really shouldn't have been doing. Managed to flag down a passing Gas Van and a Doctor ( We didn't need a Doctor but he happened to be passing !!) who towed us out, zipped home polished the car with furniture polish and all was good. Until 20 years later after one too many, I relayed the story to him and many others, totally forgetting that I had never owned up in the first place !!! :eek:

    My bread wasn't green all the way through I promise ,only slightly dodgy around the edges !!!

    Fluffy - You are far to organised for me ! I buy plastics boxes, and containers and always lose the blasted lids !!

    :rotfl::rotfl::rotfl: - your stories make me laugh Mrs PG - did your dad feel the need to tell you off after all those years?
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • banwa
    banwa Posts: 952 Forumite
    edited 29 February 2012 at 10:09PM
    Ha Ha !! I was soo tempted to put the pillow on his head and leave it there
    forever last night :rotfl: The worst thing was when I woke him up to tell him to shut up and
    stop snoring, he answered rather indignantly, who's snoring ?? Was it me ?? How
    many other people did he think were in the bedroom with us ?!!!:rotfl:
    :rotfl:
    Mr Banwa does the same thing! In fact he says indignantly 'I'm not even asleep' as if I am quite mad, which, in the middle of the night, seems quite plausible
    Yep I'm sure you are right maybe he was playing it cool about MBNA, but I have a
    sneaky suspicion he is having his man period at the moment !;)

    Congrats on the MBMA:T
    Sorry your dishwasher is still totally dead and buried,. We still haven't had a
    chance to actually look at ours yet, so it is just sitting redundant in the
    kitchen . I think I am going to have to draw up a washing up rota though and
    soon. I can't believe how much moaning I have done these past few weeks about
    the washing up ! I am obviously far too spoilt.

    Ha ha you should read my diary when my dishwasher was broken. I moaned for pages and pages and pages and pages.
    Debt £26k 18/10/14
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Is this broken sleep lark catching? I was awake from 2am until DS1 went out at 7 then I fell asleep. DH only snorred part of it so I can't really blame him.

    Sorry you had a difficult end to the month. You encouraged me to try reclaiming PPI and LLoydstsb said we are have correct circumstances for a refund.
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    bonnington wrote: »
    How could you forget the bread? :rotfl:

    Hope the snoring strips work. Everybody is not the same, but it's worth a try. :D

    There really is no hope for me bonnington I fear !!!:rotfl:

    We bought the snoring strips yesterday, he popped one in his mouth list night and all was peaceful !!:j Long may it continue !!!
    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
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hello all,

    Thankyou for your messages yesterday ! As you have now read all was peaceful in the Pinot Residence last night , by the looks of it I am not alone, so wishing you all the best of luck with your snoring OH and DH"s. Best you all form an orderly queue at the Chemist for the Snoring Strips asap !!

    Great to see you again Dedicated DFW ( what can we call you for short? ) No my Dad didn't tell me off thankfully, I think he was far to shocked and stunned to even think about telling me off. There was a lot more to that story , involving tractors, the farmers wife and the like but I won't go into that one now !!! My poor Dad ........ and he always thought I was such a good girl !!!:rotfl:

    Alice - My parents always told me the Pencillin story as well, lets go with that shall me rather than the thought of me feeding my family all sorts of rubbish !

    BANWA - Lovely to see you too. I must have somehow missed your dishwasher posts in your diary, I will go back over it and re read ! Its seriously driving me bonkers now, but I don't want to hassle Mr Pinot, Im sure he will get around to it when he has a moment !

    Ok, well today is School Allocation Day. DD2 hasn't received an allocation at either of the Grammar Schools, but at the local comp. We were very chilled about the whole thing, as DD1 is there and doing brilliantly. It will be interesting though to actually get her results which should come through later today. It has been said that many more private school children have sat for the Grammar Schools this year due to the recession and making places even harder to come by. As far as I know 760 children sat for just 140 places at DD2s first choice. I have only heard of one child that has actually been allocated a place so far this morning, and she is privately educated and only scraped into her third choice of grammar school. Anyway we are happy and so is DD2 which is what counts in the end. :D

    Last night we collected the girls glasses of which they are both very proud and looking super intelligent now ! They couldn't wait to show them off today, but we are now £191 lighter !:eek:

    Hoping for NSD today but have remembered I have no wrapping paper for DD2s pressies or birthday cards for her, so I need to get that sorted out. Tomorrow I need to get some food and goodies in and wait with bated breath to be descended on by all of her friends :eek: Best I stock up on that Pinot as well , to get me through the night !

    Paid another £70 off of the tax bill today and taxed my car for 6 months only. Signature updated so is still is reducing slowly !:)

    Thats todays update, nothing too exciting to report. Not going to have a chance to catch up on other diaries today I don't think, so apologies to everyone. :)

    Have a lovely day and enjoy the sunshine !
    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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