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Conquering Debts Once and For All...

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  • I've subscribed, I just need to find a minute to catch up

    Hi Kerri_dfw and welcome. :D

    Well another NSD for me today. My third in a row. :j Tomorrow most definitely won't be though as Mr F has a dr's appointment to discuss his blood test results. Plus he needs his repeat prescription and the dr needs to complete a form for us, so going to be expensive.

    We've finally managed to get a day free tomorrow... our job has been moved to Friday. Not sure if this is a good thing or a bad thing as that's 2 small jobs and one medium job for Friday. But it does mean we can have some time to ourselves away from work as Mr F goes back to his 'real' job on Monday. We're heading to the coast for the afternoon and will almost certainly have lunch out.

    Got paid from one of our customers yesterday so have been able to pay a few business bills but am still waiting for a couple of others to pay. One of them is a regular late payer. :mad: That said, they do pay up albeit a couple of weeks late.
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Oh have a lovely time. You deserve it.

    Warm, wet and windy...why did you move from Scotland then??:rotfl:..oh maybe it was the temperature bit!! Do think about the panels. Not sure how much they will be over in NZ but over here the FIT makes them a good investment. I also love the way we are getting money every day from doing nothing....
    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
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Wow, just catching up again , what a week so far !! Great news on all that extra work. Its interesting to hear what you do ! I had you down as a gardener, isnt that funny ?!! I often while away a bit of boredom while I am doing the Accounts thinking what people do for a living or what they look like !! Its great that MR F can help you out though.

    I really hope you enjoy your afternoon and lunch together and trust that you DS is feeling much better.

    Have a lovely day 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
  • This is where we spent our afternoon :D:D

    MtMaunganui.jpg

    This is Mount Maunganui (where the Rena ran aground on the Astralabe reef and caused an oil spill). Fortunately the clean up has been so good there are currently no signs of the spill on the beach (although we didn't get up close and personal to the nearby rocks).

    We had fish and chips (or as the kiwis say 'fush and chups') :rotfl: Very fresh and yummy, washed down with refreshing cider. The weather played ball and it was hot with a breeze.

    On the way home we stopped to pick up a second hand vacuum we bought for the business. Going to put it to good use and use it tomorrow as we have 3 jobs on. :eek:

    Mr F also had a dr's appointment this morning to discuss his blood results. He has got very high cholesterol levels and has been put on medication that he'll have to take for the rest of his life. :( He has to have another test in 3 months to see how the tablets are working. He also has to go for a glucose blood test as his blood sugar was borderline. I think I'm more worried than Mr F who seems to think taking tablets will sort it out. :mad: I guess it will be up to me to do some research what we can do try and bring his cholesterol down.
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
  • Wow, just catching up again , what a week so far !! Great news on all that extra work. Its interesting to hear what you do ! I had you down as a gardener, isnt that funny ?!! I often while away a bit of boredom while I am doing the Accounts thinking what people do for a living or what they look like !! Its great that MR F can help you out though.

    I really hope you enjoy your afternoon and lunch together and trust that you DS is feeling much better.

    Have a lovely day xx

    :rotfl::rotfl: I really couldn't see myself as a gardener PG. I'm enjoying trying to my hand at growing veggies but I'm ashamed to say the rest of my garden is looking neglected at the moment. :o

    DS1 is feeling much better thanks. :)
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    What a beautiful spot. I'm so pleased you got to enjoy the afternoon off together, just what you needed. And 'fush and chups' and cider too, yum! Though I'd guess Mr F will have to cut back on the fried food and alcohol now, will he? Hope he's feeling OK, and it's good really that it isn't worrying him - stress is bad for the health too.

    I agree with Pinot about how interesting it is to learn facts about the people behind these diaries. I always try to be reasonably secretive on mine, but when I read back to myself some of the stuff I've written, I could be sooo easily identified by anyone who actually knows me!
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    HappyNow wrote: »
    What a beautiful spot. I'm so pleased you got to enjoy the afternoon off together, just what you needed. And 'fush and chups' and cider too, yum! Though I'd guess Mr F will have to cut back on the fried food and alcohol now, will he? Hope he's feeling OK, and it's good really that it isn't worrying him - stress is bad for the health too.

    I agree with Pinot about how interesting it is to learn facts about the people behind these diaries. I always try to be reasonably secretive on mine, but when I read back to myself some of the stuff I've written, I could be sooo easily identified by anyone who actually knows me!

    Mrs F it looks beautiful and makes me long for the beach, "Fush, Chups and Cider on the beach sounds like a perfect day to me !

    So sorry to hear of Mr F's health problems and try not to worry too much , from I can understand High Cholesterol can usually be managed with diet and tablets.

    Hee Hee your right Mrs Happy, I read mine back and think, there is someone out there reading who knows exactly who I am !! Especially when I talk about things the girls are up too !! Mr Pinot said to me last night that one day I will get a PM and it will begin with Hello ******* ( my real name !) rather than Hello Mrs Pinot and it will frighten the life out of me ! :rotfl:

    Hope the jobs go well for you today 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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi box of Fluffies

    That's one hell of a picture...yes the Hebrides are good but maybe the NI just pips it!:D

    How are you? You've been quiet hon. Hope alls OK

    I got my crotchet hook btw..but haven't started yet!

    PS Am with u guys...it wouldn't take too much to guess who I am..and once or twice I have almost signed myself off with my real name anyway:rotfl:
    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
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    That picture is amazing, I'm not jealous at all honest! Hope you had a lovely weekend 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]
  • Finally.... some time to myself to catch my breath. What a hectic week that was. We even ended up working on Saturday! Good job the boys are old enough to take care of themselves now. :p Of course, it doesn't matter what time you walk through the door the first thing they want to know is "what's for tea"? :rotfl::rotfl:

    Sunday was spent catching up on all the every day stuff we'd neglected for the previous few days, lots of washing, drying, tidying up (just a little), grocery shopping for the week plus of course the obligatory baking of cookies for the school lunch boxes. :) That was of course, after having a bit of a lie in. I think we deserved one.

    I wish I could say because we were so busy we had a couple of NSD but alas, that was not the case. We ended up having to buy some lunch on Saturday as we had run out of bread and because we've been making our own in the breadmaker, and had forgotten to put some one, we had none left in the freezer. On the plus side it was quite nice to sit down for half an hour and have a piece of quiche and a coffee as we were heading back to finish the house we started on Friday.

    Yesterday I ran the vacuum round, hung out 3 lots of towels and managed to get them all dry, went to the cleaning supply company as my wall duster had broken, :mad: collected the rest of my wool order from the post shop and as the sun was shining, managed to sit outside for 30 minutes soaking it up. It was also Mr F's first day in his new role. He reported everything went well so hopefully he'll be less stressed from now on.

    Today has been spent getting the business accounts up to date, chasing overdue payments, more washing and cleaning of bathroom and toilet. I have also got a chicken roasting in the oven for dinner. Hopefully there'll be some lo for lunch tomorrow.

    I've started my next crochet project which is a ripple blanket using the merino wool I just received. :j It's one of the patterns in Jan Eaton's book of 200 ripple patterns.

    Oh and lest I forget, I received interim school reports for DS1 and DS2 and they are both very good :T and DS2 received an Achievement Award today. :j:j

    Today has also been a NSD. :beer:
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
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