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We are about to pull the purse strings soooo tight!

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  • Aren't we nice I let my DH have a nice lie in too ;) he got till 9am then I had to hurry him out of bed as I'd booked him in for a surprise back massage lol.

    Well done on being so much in credit :eek: that is great!
    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
  • We've had a chilled out day. OH decided against a cooked breakfast as it was using food we could use for tea in the week......he's on form MSE wise at the moment!!;)

    OH went to see FIL whilst I finished the ironing, went upstairs to sort the clothes in the airing cupboard and promptly fell asleep on the bed...oops. That's the second time I've done that recently, not like me, but I obviously needed it. OH could tell I'd been asleep when he got back from the 'bed hair'.:D

    Today was indeed NSD 9.

    Sold 2 items on fleabay, only for 99p each but covered the postage.

    Hope everybody has had a great weekend, and we all have a debt busting week. 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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Sounds like a lovely day. And a sleep too! You lucky thing!

    Yes, here's to a very MSE week..I need one of those!: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
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Morning Alice,

    Yay to DH being onboard with the food thing!

    You must have needed the sleep, im always tired!!!

    Well done on being £192 in credit thats fab xx
    Mummytogirls x

  • Thanks brizzle and mummy, I did feel a bit guilty after my little nap.:o

    This morning was horrible at home, DS1 was tired (tired teenager not good at any time but definitely not on a Monday morning!!), DS2 dropped a box of 'rice pops' on the floor, they went everywhere because somebody hadn't folded the bag inside and shut the lid. DS3 then freaked out because I'd done his breakfast and called him, he then nipped to the toilet so when he came back had a meltdown because his 'wheat bricks' had gone soggy.......oh the joys on breakfast time.

    Have started another healthy eating plan today aka 'a diet'. Haven't told anybody at work, as you are frowned up by the women I work with if you have more than the juice of a lettuce leaf for lunch.:D

    Hope everybody has a good day.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
  • I just knew something or somebody would come along a try and dampen my day.......and it was bcard. Well OH's bcard, they have started to charge interest only from last month when the payment increased. Cheeky monkeys!!! OH is going to ring stepchange tomorrow and see what they say.

    One step forward.......six back. :(

    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    ugh to peeps at work like that..when I start my third bacon roll of the day its sometimes just to spite 'em!!!!!
    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
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Sorry re BC..I am looking forward to not being with them in less than 5 days time if I am honest..am sure its a random thought process but for some reason them and Mr T just get my goat
    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
  • Eager_Elephant
    Eager_Elephant Posts: 4,714 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I just knew something or somebody would come along a try and dampen my day.......and it was bcard. Well OH's bcard, they have started to charge interest only from last month when the payment increased. Cheeky monkeys!!! OH is going to ring stepchange tomorrow and see what they say.

    One step forward.......six back. :(

    xx

    Barclaycard's policy for people on debt management plans is quite strict.

    If you are making token payments then they charge no interest but as soon as you pay more than they deem reasonable they charge interest of 1% (I think) a month.

    I have told my clients to carry on paying token and pay off the other debts first.

    If you don't speak to Barclaycard later I will try and confirm exact details after work.
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Morning Alice,

    Oh I hate it when things come out of the woodwork when you least expect them. Hope you sort Bcard out.

    Re the diet, im starting on one yesterday too!
    Im going to track my calories on myfitnesspal and hopefully do some exercise too. Day 2 and doing well so far!!! xx
    Mummytogirls x

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