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2012 - My 3rd year on MSE ... the debt free one?!

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Comments

  • loumac
    loumac Posts: 942 Forumite
    So, slow day generally, I've:

    -Checked internet banking
    -Updated spreadsheet
    -Created a spreadsheet for PAD. Am going to record a payment a day and pay it off each month (maybe week?!)
    -Had breakfast and lunch (better to eat properly than just snack!)
    -Had a visit from my friend who is going through marriage difficulties.
    -Washed and sterilised all baby bottles ready for next round of feeds.

    I have two more friends from work coming to visit me this afternoon which is nice to keep up with what's going on! Does mean that housework is not yet being done and Xmas decs are still up. Will work hard this evening with DH is home and he can have baby.
    Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...
  • loumac
    loumac Posts: 942 Forumite
    So DH is home, Sadie baby is upstairs having bath, bottle and story with him and yet I have no motivation to do housework. I think all the visitors of the day have worn me out! Tomorrow I will be better... :o

    Money
    Loan payment made £181.94
    Payment to in-laws made £50.00
    PAD payments allotted £4.86
    NSD

    Diet and exercise
    No exercise all day! :( Oops!
    Breakfast - Conrnflakes
    Lunch - Scrambled eggs and baked beans
    Tea - Pasta, pesto and bacon
    Snacks - Banana, Apple, Yoghurt, Large chocolate cookie (Brought over by friend)
    Called local slimming group and am going to join them from tomorrow. Not best use of finances I know, and I've used the diet before so I know how it works but I need the motivation and support to be successful. Need the confidence again after baby I think. Going to pay for 12 weeks in advance as it saves money that way and gets me nearly back to back to work time when I'll manage diet better as not at home all day.

    General
    Spent day with friends

    Still to do
    Loads! Will write a list tomorrow to make me be more productive!
    Tonight I must start looking at car insurance, premium due at the end of the month!

    Off to watch Emmerdale for now though ... so lazy! :o
    Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...
  • Peabody_2
    Peabody_2 Posts: 276 Forumite
    I don't know about lazy, you've made payments, rung people and spent time with friends. You don't want to go doing to much :D.

    Good luck with the slimming group, I went to one about 4 years ago and lost 4 stone, so they do work. I just can't afford to go back otherwise I might think about it.

    How's the car insurance hunt going?
    Total at 9th Feb 12 - £17,500 :eek: Now - £6,851.05
    Loan - £6022.05, [STRIKE]Card 1 - £3293.85,[/STRIKE] [STRIKE]Card 2 - £2287.04[/STRIKE], Sofa - £825.00
    Wedding Pot - £0.00 :o
  • loumac
    loumac Posts: 942 Forumite
    Peabody - Thanks for the message, served as a reminder! I'd got distracted over on old style and had not got to looking for car insurance yet. Oops! :o This website is so addictive...
    Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...
  • loumac
    loumac Posts: 942 Forumite
    Right, quick morning check in as had a funny night with Sadie again so slept till 8.30 ...

    I have lots to do today, no excuses! Here's my list for the morning:

    Breakfast
    Dress me and baby
    Re-wash load that should have been hung up 2 days ago! :o
    Ironing
    Ironing away
    Washing up
    Sterilise bottles
    Take down all decorations other than the tree!
    Lunch
    Take baby for injections
    Pop to boots to buy milk

    Will be back with a new list after injections!
    Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...
  • cutestkids
    cutestkids Posts: 1,670 Forumite
    Part of the Furniture 1,000 Posts
    Hi Loumac, just popping in to catch up with your diary, I really like the way you have it all formatted out into sections on the page, it is really easy to read, I just ramble onand it ends up all one big random thing.

    I might pinch your idea and try and get it to make a bit more sense if you don't mind :D
    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 / £7500
  • loumac
    loumac Posts: 942 Forumite
    cutestkids wrote: »
    I might pinch your idea and try and get it to make a bit more sense if you don't mind :D

    Ha! If it helps, you're more than welcome! :D I decided I needed to try and keep a better track of what i'm doing. It's usually a ramble in my head so recording it like that also helps me to see what i've achieved.

    Just having five minutes to have a cuddle with Sadie, a banana and a glass of water!

    Pleased with progress so far ... will update later. xx
    Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...
  • loumac
    loumac Posts: 942 Forumite
    Am so pleased with progress today after feeling like I'd done nothing yesterday. Got to love the power of the list!

    [STRIKE]Breakfast
    Dress me and baby
    Re-wash load that should have been hung up 2 days ago! :o
    Ironing
    Ironing away
    Washing up
    Sterilise bottles
    [/STRIKE]
    Take down all decorations other than the tree!
    [STRIKE]Lunch
    Take baby for injections
    Pop to boots to buy milk
    [/STRIKE]

    Plus MOST decorations are down, just need to get boxes from the garage and pack everything away and put back out into the garage.

    I have also:

    Put another load of washing on
    Hung washing out
    Put a third load of washing in the machine
    Cleaned kitchen
    Swept floor
    Put recycling out
    Walked the dog
    Walked to Tesco to buy onions for dinner
    Bought a present in Boots for friends baby born yesterday (used points! Yay!)
    Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...
  • loumac
    loumac Posts: 942 Forumite
    Plan for the rest of the afternoon/ evening:

    Give Sadie lots of snuggles as she's grizzly after injections
    Continue searching for car insurance
    Get boxes for decs out of the garage
    Head to slimming group
    Make PAD payment

    Think that's it. :cool:
    Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...
  • loumac
    loumac Posts: 942 Forumite
    [STRIKE]Give Sadie lots of snuggles as she's grizzly after injections
    Continue searching for car insurance
    Get boxes for decs out of the garage
    Head to slimming group
    Make PAD payment
    [/STRIKE]

    All done! (Though still checking some car insurance quotes!)
    I feel I may need to go back to being lazy tomorrow...
    Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly £18k. Now to start saving ...
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