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We are about to pull the purse strings soooo tight!

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  • Morning Alice!

    Rainy weather here too!

    Hope DH has snapped out of his mood now xx
    Mummytogirls x

  • amber03
    amber03 Posts: 1,359 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Rainy and cool here today,my lot will start moaning for the heating to go on soon, i'm hoping to last till October.

    Have a good time on Saturday night,i always take my own drinks if possible, some of the prices they charge are ridiculous.x
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • Raining here too and very much welcomed by me. I melted yesterday :eek: !! lol. I was hoping to try and keep the heating off till end of October too but now i'm childminding I suppose I best not send the little darlings home with blue lips and frozen hands :D;)
    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    . I'm feeling a bit overwhelmed and frustrated at the moment. House is a tip well the kitchen is, I didn't even have time to wash up/fill the dishwasher this morning and I can't seem to get to grips with the finances.


    xx

    You and me both...bit better this eve but know just how you feel. My finances seem to have gone to pot after getting below £10k:(...maybe we need to start a RL self help group??:rotfl: For regular MSE posters who still can't work out what's going on!!:rotfl:and don't worry..the house will get cleaned and tidied one day..or that's what I tell myself. Depressing when it's like though..you have my full sympathy..and heres a virtual coffee too! :grouphug::coffee:
    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!
    Oops sorry..as its Friday..think we need an alcoholic chaser:beer: to that coffee!

    Have a great weekend Alice. How is DS1?
    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
  • Grrrrr, I didn't do the washing last night because it was supposed to rain today and it has been glorious.:mad: I've been out this morning to take DS2 to football (100mile round trip:() and left early so couldn't do any before I went.
    Tomorrow I will peg out whatever the weather!!:)

    Mummy - OH still grumpy.:(

    Amber - I will definately takes the kids drinks tonight, its at a sports club so the prices aren't too bad. I'll drive so can make one drink last all night.:)

    DFW - I've set a challenge of 1st November to put the heating on.;)

    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 wrote: »
    You and me both...bit better this eve but know just how you feel. My finances seem to have gone to pot after getting below £10k:(...maybe we need to start a RL self help group??:rotfl: For regular MSE posters who still can't work out what's going on!!:rotfl:and don't worry..the house will get cleaned and tidied one day..or that's what I tell myself. Depressing when it's like though..you have my full sympathy..and heres a virtual coffee too! :grouphug::coffee:
    brizzledfw wrote: »
    Oops sorry..as its Friday..think we need an alcoholic chaser:beer: to that coffee!

    Have a great weekend Alice. How is DS1?

    Oooh thanks brizzle, I did have a sneaky drink last night, driving tonight so water only.:(

    DS1 is doing OK thanks brizzle, although he still feels homesick.:(, they love his accent so all the girls keep asking him to talk. lol.

    Yesterday we had chippy tea after the kids football, not in the budget (have had so much to pay for lately the budget has gone to pot a bit) but heyho its done now.

    I still feel on a downward spiral, I've just done the budget/spending diary and checked the phone bill amounts as DD due on Tuesday, OH's is £37 :eek:, it covers when he was sending photo messages instead of SMS (He blamed his new phone!!).

    Have paid £30 subs for DS2 today, and yesterday paid other team subs for DS2 and DS3 subs - £5 each. Still need to pay swimming for DS3 next week £40 and pay for tickets for our day out tomorrow.

    Also got to get a family birthday present and food for tomorrow(picnic) and bits for next week. (I hate packed lunches :() and I need to get more petrol.

    House is....well....a mess...still!

    I'm hoping OH will lighten up tonight after he's had a tipple or two.

    This debt free journey is so bl**dy tough at times.

    Hope everybody else is OK.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
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker

    House is....well....a mess...still!

    I'm hoping OH will lighten up tonight after he's had a tipple or two.

    This debt free journey is so bl**dy tough at times.

    Hope everybody else is OK.xx

    I know how you feel, when trying to cope with the strains of debt busting, it seems to drag you down in other areas too. I bet the house isn't anywhere near as messy as you feel it is though.

    I agree this df just is so blinking hard some days but we will get there eventually

    Hope you have a lovely time tonight and OH has cheered up

    Granny x

    Hope you have a nice time tonight and OH has cheered up

    Granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Aww thanks granny. I'm sure we will all get there in the end. :)

    We've had a good night and very cheap, approx £6 for a night out!! Not bad eh?

    On the downside forgot to mention we have received a bill from the 'Tax Credit' people, 'please could we pay £207 asap or call them to arrange a payment terms'.:( Can't really think about this right now.

    Have just skyped DS1, he's fine so that's cheered me up a bit.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!
    As the lovely beaniellou would say..keep plodding Alice ! Glad DS 1 is coping well! 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
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