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2012 - My 3rd year on MSE ... the debt free one?!
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Well dinner was a success, well done to my DH. He can be very creative with only a few ingredients, but as it is we have a housefull so he has no excuse!
Tomorrow I'm going to get organised and start diet, full on money management madness and blitz on house. Initial plans are:
1) Start the day with some breakfast cereal - not biscuits!
2) Walk dog for at least 30 minutes.
3) Investigate car insurance renewal - How much money can I save?
4) Sign up to payment a day and make a payment!
5) Plan meals for the rest of the week based on NO spend if possible,
6) Take down Christmas tree and as many decorations as possible.
7) Make pudding for meal at my parents to celebrate mum's birthday.
If Sadie baby lets me that is ...Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...0 -
Good luck with the last push! I reckon this could be your year by the look of how well you've done. My DD is 1 1/2, and I still have baby weight to lose!
Will subscribe xMe, DH and DD (17 months) clearing our debt for a better future. Then (LBM) = £21,636.43 (Oct 2009) Now = £12128.07 (44%)GOALS/CHALLENGESTry to get credit card to £2k by April 2012 (was £3014.94)PADing to clear CC 1/1/12 TOTAL: £32.00Ditch 100 in January challenge: lost count but way over 100!!!/1000 -
hey loumac hun happy ew diary sorry i missed it yesterday. I'm liking your resolutions. 2012 will be a good year i can feel it
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Just dropped in to subscribe.
It all looks good, you'll get that last of it this year Total at 9th Feb 12 - £17,500 :eek: Now - £6,851.05Loan - £6022.05, [STRIKE]Card 1 - £3293.85,[/STRIKE] [STRIKE]Card 2 - £2287.04[/STRIKE], Sofa - £825.00Wedding Pot - £0.00
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Your do brilliantly, good luck with the car insurance, sure your save plenty of money...
I saved £10, but got free AA home emergency cover.......as long as John Cleese doesn't come bursting in I'll be fine.
Def like the idea of putting it into pounds and not 2 stones, as every 1lb makes a difference, more motivating. xxx rip dad... we had our ups and downs but we’re always be family xx0 -
Well Sadie baby let us have a lie in till 9 so a slow start to the day. Oops! But then she was up at midnight, 4am and 6am so I think it was allowed. If I'd have tried to get up at 6 I'd only now be in a grump and wouldn't be productive anyway!
Just had some cereal so off now to get us both washed and dressed to take the dog for a walk, if I literally follow my list in order I might actually be successful.
Saw a lovely quote on facebook just so will leave you with that for now ...
"Don't dwell on those who let you down....cherish those who hold you up!"
Have a good morning all. xx
PS - Thanks all for checking in. xxWandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...0 -
hey hun, love the quote, sounds like you had a night like mine, Roo woke me up at 3.30 and 6.30 but then refused to go back to sleep, so ii've been up a while!! Enjoy your walk it's a beautiful day.0
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Hi Loumac
I need to write a list for everything otherwise it just does not happen, though sometimes I think if I spent as much time actually doing as I do writing the lists I might get more done :rotfl::rotfl::rotfl:1 Sealed Pot Challenge # 1480
2 Stopped Smoking 28/08/2011
3 Joined Payment A Day Challenge 3/12/2011
4 One debt vs 100 days part 15 £579.62/ £579.62New challenge £155.73/£500
5 Pay off as much as you can in 2013 challenge!£6609.20 / £75000 -
Oh no! Laptop broken. :-( Struggling to see screen on my phone so can't update diary properly and can't make any online payments! Sigh ...Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...0
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Phew! Laptop back on track... :j
Right so I'm going to start with updates from yesterday. I've decided to update my progress under some headings so I can monitor myself better. So here goes:
Money
Spent £7.40 in Tesco (Milk, yoghurts - healthy snacks to get me off Xmas biscuits!)
Spent £3.81 in Lidl (Ingredients for pudding for birthday lunch with mum)
Rounded those two spends up to £5 and £10 and PAD'd difference (well doing it today now I have online banking!)
Diet and Exercise
Walked dog for 30 minutes
Walked to Lidl and Tesco
Drank 4 glasses of water (Not much I know, but good for me - I always forget to drink!)
Breakfast - cornflakes
Lunch - Lasagne and salad with family for mum's birthday
Tea - Yoghurt and banana
Snacks - Banana and 3 ginger biscuits
General
Cleaned kitchen
Spent day with family
Still to do
Christmas decorations (I was out longer than I thought I'd be)
Car insurance (No internet = failed!)
So that was yesterday...
First plan today ... internet banking and spreadsheet. Toodles!Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...0
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