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Pigpen's DFW diary..

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Comments

  • pigpen
    pigpen Posts: 41,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done Jayne!!!

    You WILL get them all paid off and you will find that life beyond 'the next payment date' hugest of hugs to you... this camn be done and in the best possible company!!!

    There always seems to be somebody needing shoes in here.. or school trousers.. or food... why do I have to buy so much food!?? Honestly these children are like locusts!!!
    LB moment 10/06 Debt Free date 6/6/14
    Hope to be debt free until the day I die
    Mortgage-free Wannabee (05/08/30)
    6/6/14 £72,454.65 (5.65% int.)
    08/12/2023 £33602.00 (4.81% int.)
  • pigpen
    pigpen Posts: 41,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well we have payday on Friday this week so I need to decide who is being paid how much. I am hoping to get at least 1 more debt paid off in full.. I just LOVE writing 'PIF' in the diary next to the payment!! £450 on my Studio cards (30% apr) this month!! I keep forgetting to pay this because you can't pay online or through internet banking so I have to ring up and always forget... so it has to go now! Especially justified as the APR is so disgustingly high!!!

    I also need to check out new life insurance this week.. ours is just under £30 a month so I could possibly reduce that too... we shall see!
    LB moment 10/06 Debt Free date 6/6/14
    Hope to be debt free until the day I die
    Mortgage-free Wannabee (05/08/30)
    6/6/14 £72,454.65 (5.65% int.)
    08/12/2023 £33602.00 (4.81% int.)
  • beanielou
    beanielou Posts: 92,552 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    It would be just great to get rid of Studio!
    Good luck.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • pigpen
    pigpen Posts: 41,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My Next account is also being paid off this month!!

    I couldn't pay Studio with my electron card so I paid next instead so I only owe them £150 now so they are being paid off tomorrow when the tax credits go in.. Looks like I'll be paying 2 off entirely this month!! I am really glad to see the back of these 2 though their interest rates are ridiculously high..

    I'll update on Friday once I have paid everyone I can also update my siggy strip then.. coolness!!!
    LB moment 10/06 Debt Free date 6/6/14
    Hope to be debt free until the day I die
    Mortgage-free Wannabee (05/08/30)
    6/6/14 £72,454.65 (5.65% int.)
    08/12/2023 £33602.00 (4.81% int.)
  • beanielou
    beanielou Posts: 92,552 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on Next!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • AnW'sMum
    AnW'sMum Posts: 4,416 Forumite
    Part of the Furniture Combo Breaker
    pigpen wrote: »
    I'll update on Friday once I have paid everyone I can also update my siggy strip then.. coolness!!!

    :j been checking in to see how you are doing, I'm impatient on your behalf for those debts to disappear!
    Official Mascot and Chief Cheerleader for the 'Mortgage Free in Three' Gang :D
  • millionaire_in_training
    millionaire_in_training Posts: 5,818 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Doing good missy. Wish I could do it. Am getting the debt down a bit but not at any speed. Ah well never mind better down than up I say. Keep it up xx
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • pigpen
    pigpen Posts: 41,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    £50 left to go on next.. I'll pay that on Friday when hubby's wages go in the bank.. another one bites the dust!!

    Studio next!! I just got my statement this morning and they have added £16 in interest!! .. Cheeky turkeys.. so.. I'm having that paid off by the end of April!!

    Another £9 overpayment made on the mortgage has reduced the total term by 8 months in total.. Might not sound a lot but we had another 23 years 4 month to run.. now we have 22 years and 8 months..(we were looking at July 2030.. now it is November 2029!!) I wonder how much we can get it down in total before the house is ours... The bank won't know what has hit them once I have the rest of these debts paid off!!

    MIT.. At least you are heading in the right direction.. every penny helps!!
    LB moment 10/06 Debt Free date 6/6/14
    Hope to be debt free until the day I die
    Mortgage-free Wannabee (05/08/30)
    6/6/14 £72,454.65 (5.65% int.)
    08/12/2023 £33602.00 (4.81% int.)
  • pigpen
    pigpen Posts: 41,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My total balance this month has gone up due to the council tax and water bills being added.. £1300 in total so there might not be much 'paid off' this month.. but I will soon remedy that one!!
    LB moment 10/06 Debt Free date 6/6/14
    Hope to be debt free until the day I die
    Mortgage-free Wannabee (05/08/30)
    6/6/14 £72,454.65 (5.65% int.)
    08/12/2023 £33602.00 (4.81% int.)
  • pigpen
    pigpen Posts: 41,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    PAY DAY TOMORROW!!!

    I love payday.. I get really excited about paying my bills!! How sad am I???

    Hubby said all I talk about now are the children, cleaning the house and paying the debts off.. what else is there in life???

    I have decided who is being paid and when they are being paid for the next month.

    I have been bad today too.. I have hammered the sale in my catalogue for some new tops (mine went in the charity shop bag at the weekend and I have some to ebay) I also bought a few christmas presents for the children. .. some will be sent back as I bought 2 of some things for sizing. It is all on buy now pay February (interest free!!) so when I have paid everything else off I can pay this order off in one or 2 months.. I am really desperate, I've not had any new tops for 2 years. STOP!!! I will not justify why I bought them.. I do not justify buying the children things and I am just as important as they are!! .. guilt-free spending!! I need some new jumpers now and I am all set for another 2 years lol.

    Best go list some stuff on ebay so I can pay some of it back!
    LB moment 10/06 Debt Free date 6/6/14
    Hope to be debt free until the day I die
    Mortgage-free Wannabee (05/08/30)
    6/6/14 £72,454.65 (5.65% int.)
    08/12/2023 £33602.00 (4.81% int.)
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