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We are about to pull the purse strings soooo tight!

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  • Hi Aliceinpoorland, just read the first couple and last pages and you have come so far well done x
    :j
    May 2013 new beginnings:j
  • Hi Aliceinpoorland, just read the first couple and last pages and you have come so far well done x

    Thank you Keeping Positive, it doesn't always feel like it but we keep plodding. :)

    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
  • it's freezing here today and I keep thinking it's 6 and half weeks to November yet :eek: ! I hope the weather warms up just a little or at least doesn't get much colder i'm not sure i'll last otherwise :p

    Glad your OH has snapped out of his moods, my DH does it all the time here and i'm fed up of it. Well done on getting below the £8k on the card!
    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
  • Well done Alice sounds as though the plodding is paying off - plenty of plodding being done here too:D

    DFW123 I know what you mean I had to put the heating on for 45 mins last night but am doing my best to keep it to a minimum until at least october
    CC debt Aug 2018 £50.2K
    CC debt Nov 2018 £48.6K
  • Heating went on here earlier due to the downpour. Hope it doesn't become the norm elec and gas so expensive :(.

    Plodding always good if you run you can easily slip.
    :j
    May 2013 new beginnings:j
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Well I caved in tonight, fire light on so at least it was psychologically warm if not physically so :D

    Hope you've had a good day today Alice

    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
  • I'm a tad jealous you all had your heating on a bit. We're still refraining.:D

    I have pegged out today, only had the airer out for a few days and fed up of it already..............its going to be a long winter.

    I'm really fed up of doing packed lunches and (what seems) the lack of food in the house for them, need to rethink menu plan for our meals and DS2s and OHs lunches.

    We've run out of washing up liquid and are running low on basics, will try and hold out until tomorrow though.

    OH had letter from Aktiv [EMAIL="K@pital"]K@pital[/EMAIL] with another offer if we pay it off now....I wish! We owe approx. £1200 on this account and we've only paid them £150 whilst on our dmp.:eek:

    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
  • keep plodding and updating your diary. I went to school meeting & came back to hubby with heating on! off again! but it was nice to have a warm house
    washing pegged out too in-between showers.
    can I ask.. when I offer items on freecycle why do I manage to choose the people who do not turn up for item! it drives me crazy

    sorry for rant.......

    Just discovered while in hospital the £2 and 20ppot got raided to pay for parking. all gone but in the bright spot I had family who came to see me.
  • Rant away tunathe cat.:) If I was to put things on freecycle that is was would probably happen to me too, not nice is it especially when you've taken the time to put the item on there in the first place.

    Went shopping yesterday - £29 :eek: and that was only basics, put £10 petrol in too.

    OHs payday today, need to sort car insurance for the 'other car' as its run out today.

    Hopefully tonight we can sort out meal planning/lunches etc and we're going to have a look at the budget........well I will, not sure OH will join in.:( I've been having cereal for lunch at work this week so my lunch has been quick and easy.:D

    Also thinking of ordering a couple of Christmas presents this weekend......must make a start at least.

    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
  • Arrggh last night was a bit stressful, there just wasn't enough time to do everything.

    I left OH with the task to sort the car insurance out, got to nearly 9 and still nothing sorted so I had to do it, otherwise OH wouldn't of been able to pick DS3 up from school today.:(

    I've worked out I am 'missing' 3 hours a day, I'm out at work for approx. 10hours, get 6 hours sleep, 2hours in the morning and 3 hours in the evening getting ready and doing breakfast/tea and chores etc, that makes 21 so where are the 3 as I certainly don't seem to have 3 hours spare of an evening!!

    No social events this weekend, just usual sport clubs.

    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
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