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Finally reaching out for some help...

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  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Sorry Pinot, I have to catch up on your diary... I've been making pretty things for my craft fair, visiting sick relatives, and now I'm run off my feet with work eep!

    Z, I bought it for my Dad to patch up the holes in his pockets :)
    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]
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    No worries Kerri, as long as you are ok. Just checking !!

    Looking forward to seeing all of your pretty things when you have a moment x
    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
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Gah another week has disappeared!

    Lots has happened this week, but I'm trying to catch up with uploading the pretty things that will make me some money *hopefully* onto the online shop I have with f0lksy. I have got myself into a little bit more debt than I was in before, but it should all be covered by my overtime I did the other month so not that bad :)

    I don't think I will have time to catch up on diaries though :( but when I have finished uploading I shall start writing on diaries again. I haven't forgotten you all, and I'm still trying to put my MSE learnt skills into practice xx
    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]
  • newroadahead
    newroadahead Posts: 1,352 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Take care Kerri, I know what you mean about time flying but try to give yourself some Me time.

    Catch up soon.


    NRA xx
    NewRoadAhead Debts Sep 2009 £35,000.00Debt Free November 2014, Mortgage free June 2022
    #No16 2025 52 week envelope challenge-£477/£1378
  • Hi kerri :) you sound very busy! Look forward to hearing about what you've been making! xx
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    I'm on my way home soon :D back to the land of good food and decent chocolate!!!

    DFW, I now have a shop on f0lksy, you can see it by looking on the link in my profile :)

    Ok so my debt looks outrageous at the moment, due to work expenses it all took a turn for the worse as I didn't have a corporate card. However, due to overtime I have just now paid all of the c/c off, although until expenses come through I might have to use it sparingly so I can live this month. But I do have enough on the c/c to cover a deposit on a new flat when the OH and I start house hunting and this is crucial :) I know I shouldn't be using a c/c to pay for a deposit, and if I can save enough pennies to not have to then I will. However, if a place we love comes up and I don't have the cash saved, it'll be a good fall back :)

    Oh and no more frivolous spending on the c/c nope nope nope. AND I'm going to try to start this budgeting stuff again. £50 a week to spend, nothing more. Anything for work goes on the corporate card. Will have to save from one week to spend it in the next. Maybe I'll put it into envelopes so I can only spend what I have. AND this month I'm banning myself from spending any money online.
    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]
  • good luck with tightening the reigns ;) i will go have a look at your shop now :) xx
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Great I will take a look at your shop a little later. I love Folksy and Etsy as well. A friend of mine has had quite alot of success with jewellery making on both sites, so fingers crossed for you.

    xx
    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
  • newroadahead
    newroadahead Posts: 1,352 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Glad to hear you are back Kerri. Don't work too hard and good luck with pulling the reins in.

    I need to do that as well, should start this week

    NRA x
    NewRoadAhead Debts Sep 2009 £35,000.00Debt Free November 2014, Mortgage free June 2022
    #No16 2025 52 week envelope challenge-£477/£1378
  • Cherryjack
    Cherryjack Posts: 1,125 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Just catching up on your diary hun.. and mine :-) hope yr well..im back to the land of tight bugeting!x
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