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We are about to pull the purse strings soooo tight!

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  • Yesterday was NSD4.

    Have done meter readings, currently £72 in credit, used £35 in in the last 2 weeks.

    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
  • Forget to add to Fridays spends, dropped in a pair of shoes to be re-heeled, £7!! but still cheaper than a new pair.

    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!
    Hope you don't miss DS1 too too much and we are here to support you on the DF stuff!!!

    Woo HOO to the BC total! X
    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 think i'd cry too bless you! I used to cry for weeks when ds1 went off to boarding school :( was such a relief when he finally did leave :) My two younger ones have had new uniforms as DD outgrew hers and DS2 is just starting school but DS1 told me his shirts still fit him and i'm going to try and re-heel and sole his school shoes but i think they may be too worn down :( they were £60 nearly so not cheap either!

    Well done on getting CC below £8k :T
    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.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • On the money front, thanks for your post EE. We have been overpaid by £350 and are not entitled to anything else until our review next year. Not sure how we pay that back???

    Tried to reply yesterday but keep getting blocked!!

    If you award for this year is the family element only - £10 pw or less then they are allowed to take the whole award to pay back the Overpayment. If it does not clear it the same happens next year and so on until it has been cleared.

    If you are no longer entitled you get an invoice and have to make an arrangement to pay.

    By the sounds of it - because you have to renew next year you do have an award but it will be used to pay back the Overpayment.
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Awww Alice, im glad DS has arrived ok, has he gone for long, cant remember now?

    Grrr to TC, glad its almost sorted now though xx
    Mummytogirls x

  • Tried to reply yesterday but keep getting blocked!!

    If you award for this year is the family element only - £10 pw or less then they are allowed to take the whole award to pay back the Overpayment. If it does not clear it the same happens next year and so on until it has been cleared.

    If you are no longer entitled you get an invoice and have to make an arrangement to pay.

    By the sounds of it - because you have to renew next year you do have an award but it will be used to pay back the Overpayment.

    Thanks EE, thats a relief. Will sit tight til next year.
    Awww Alice, im glad DS has arrived ok, has he gone for long, cant remember now?

    Grrr to TC, glad its almost sorted now though xx

    Hi mummy, depending on how he gets on with his studies can be upto 4 or 5 years. At the moment he is really struggling with feeling homesick so it might only be a week at this rate :(, I'm sure he'll be fine once he's settled (fingers crossed!).

    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
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Awwwww bless him Alice, I feel sad for him! I'd be on a plane collecting him ha xx
    Mummytogirls x

  • OH has had a rather large mobile bill. Apparently he has been sending photo messages (no actual photo) instead of normal text messages.....by mistake apparently ........and as he sends an awful lot with his sports clubs etc the bill is £41 (DD came out of the bank today).

    Called into the Coop on way home, spent £31.

    Can't wait til OHs payday on Thursday, currently have £35 left in account to last until then. Don't need to buy anything just want to see the account looking a bit healthier.;)

    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
  • Alice, thank you - I've spent the past couple of days reading your diary, what a journey you've been on! I'm so impressed with your handle on the family finances & how much you achieve! I hope your DS settles in the U.S. soon - does he know when he is next home?

    Next month, it'll be 5 years (60 months) until you're debt free, yahoo! You should make a wee chart and mark the weeks off, might help with the motivation & low days.

    My Aldi is cRap for f&v too.

    And on a lighter note, I can't believe how many tin openers you've got though in a year and a few months - I think I've bought one in ten years! Ha ha!!!

    *Subscribed*
    MBNA = £4,000 / Next = £925 (approx. tbc on 19/8)
    Tesco = £2,910.11 / Smile overdraft = £500
    Bank of Scotland = £2,782.83
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