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Pigpen's DFW diary..

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  • beanielou
    beanielou Posts: 95,401 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Looking good hun, looking good :)
    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
    DH Wages £1720..
    various benefits £2045 (cb, dla, ca, ctc).. increased CB will be updated shortly

    mortgage £650 (£88431.61 left.. over 21 years and 5 months lol)
    c. tax PAID until April.. when we start all over again!
    life ins £30 (not sure if cheapest possible but not quite sure what our cover is to renew elsewhere)
    B&C ins. £65 (increased due to massive claim)
    New loan £270 12.9% (£15280)

    gas/electric £250 ... awaiting bill! :eek::eek::eek:
    mobiles and landline £100 (one landline 3 mobiles)
    internet £16.49 ..

    now the crappy bit..

    Overdraft £1831 .. up to the limit of course!! reducing by £167 a month (12 months left)
    catalogues £250 (£1400 owed in total!!!) (next, freemans)
    Ace PAID :T :T :T
    sony c/c PAID :T :T :T

    BHS storecard £86 owe £1950 my mother is to pay this as it is her debt just in my name!.. the card has now expired so will not be having anything else added!!

    snack money £5
    Nursery fees £84
    lunch money & bus fares £216 (for 4 children, ALL primary school children have packed lunches now and my weekly bus card to college)

    £3300.52 owed in total excluding the big loan, overdraft and the mortgage. I love payday!!
    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.)
  • Flylady_Flower
    Flylady_Flower Posts: 2,855 Forumite
    1,000 Posts Combo Breaker
    Hope everything is OK for you at the moment Pigpen x
    LBM April 2013 - £29,000.00
    Vanquis CC's PAID - Debenhams SC PAID - A+L OD PAID - Asda CC £783.75
    Barclaycard CC £1400.78 - BoS CC PAID - Freemans Cat PAID
    F/D Loan & CC £1458.96 - Santander Loan PAID - Mum Loan PAID
    RBS OD PAID - F/D OD £1026.52
    Weekly Grocery Challenge - £95.00 budget / spend £-
  • pigpen
    pigpen Posts: 41,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 6 April 2009 at 9:28PM
    DH Wages £1720.. will not have any more but he is taking on the mortgage and the loan payment... looking at £700 a month from him I think at the moment.. to cover bank loan and non-interest part of mortgage.
    various benefits £2358 (cb, dla, ca, ctc, is).. I have also applied for DLA for DD4 who has been diagnosed with mild cerebral palsy.. all good fun!

    mortgage £650 (£88230.61 left.. over 21 years and 3 months lol)
    c. tax now paid through housing benefit
    life ins £30 (not sure if cheapest possible but not quite sure what our cover is to renew elsewhere)
    B&C ins. £65 (increased due to massive claim)
    New loan £270 12.9% (£15296)

    gas/electric £250 ... awaiting bill! :eek::eek::eek:
    mobiles and landline £100 (one landline 3 mobiles)
    internet £16.42 ..

    now the crappy bit..

    Overdraft £1664 .. up to the limit of course!! reducing by £167 a month (10 months left)
    catalogues £170 (£1033.05 owed in total!!!) (next, freemans)

    BHS storecard £86 owe £1907

    snack money £5
    Nursery fees £140
    DS2 bus fares £28 .. Lunches will all be free very soon!

    £2940.52 owed in total excluding the big loan, overdraft and the mortgage. I love payday!!
    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
    Flylady_Flower wrote: »
    Hope everything is OK for you at the moment Pigpen x

    Well I appear to be making headway through this mess.. for the first time in years we owe less than £3000.. :D

    Once this lot has gone I will start paying heavily off the big bank loan if I can afford to.
    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.)
  • Flylady_Flower
    Flylady_Flower Posts: 2,855 Forumite
    1,000 Posts Combo Breaker
    pigpen wrote: »
    Well I appear to be making headway through this mess.. for the first time in years we owe less than £3000.. :D

    Once this lot has gone I will start paying heavily off the big bank loan if I can afford to.

    That has to be a big weight off your mind - we have been trying for ages to pay stuff off and have to keep dipping into it again, but have been doing the Payment A Day challenge now (mudbaths fault :D) and every small amount we save is coming off the cards, which we are not touching any more, so instead of just paying interest off, we've been actually reducing the amount - even that small amount makes me smile so can only imagine what you're feeling now... well done hun x :T:T:T
    LBM April 2013 - £29,000.00
    Vanquis CC's PAID - Debenhams SC PAID - A+L OD PAID - Asda CC £783.75
    Barclaycard CC £1400.78 - BoS CC PAID - Freemans Cat PAID
    F/D Loan & CC £1458.96 - Santander Loan PAID - Mum Loan PAID
    RBS OD PAID - F/D OD £1026.52
    Weekly Grocery Challenge - £95.00 budget / spend £-
  • Flylady_Flower
    Flylady_Flower Posts: 2,855 Forumite
    1,000 Posts Combo Breaker
    Hi Pigpen, how are things? Are you still managing to stay on top of stuff with everything that's going on in your life?

    Don't know how you manage it all... well done to you.

    How are you feeling now too? Better I hope. I've not been on flylady for a few days and keep missing out on all the     [STRIKE]gossip[/STRIKE] goings on :D When do you start uni?

    Nosy cow aren't I - just tell me to go away if you like ;)
    LBM April 2013 - £29,000.00
    Vanquis CC's PAID - Debenhams SC PAID - A+L OD PAID - Asda CC £783.75
    Barclaycard CC £1400.78 - BoS CC PAID - Freemans Cat PAID
    F/D Loan & CC £1458.96 - Santander Loan PAID - Mum Loan PAID
    RBS OD PAID - F/D OD £1026.52
    Weekly Grocery Challenge - £95.00 budget / spend £-
  • pigpen
    pigpen Posts: 41,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Flylady_Flower wrote: »
    Hi Pigpen, how are things? Are you still managing to stay on top of stuff with everything that's going on in your life? I am..just popped in to post an update!

    Don't know how you manage it all... well done to you. :o

    How are you feeling now too? I'm ok thank you xx Better I hope. I've not been on flylady for a few days and keep missing out on all the [STRIKE]gossip[/STRIKE] goings on :D When do you start uni? start uni 28th September... can't wait but have 2 weeks left of college and 2 weeks to get ALL my study skills stuff done.. a whole years worth and 2 assignments

    Nosy cow aren't I - just tell me to go away if you like ;)

    Thanks for asking xx ..
    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
    edited 31 May 2009 at 1:33AM
    DH Wages £1720.. will not have any more but he is taking on the mortgage and the loan payment... looking at £700 a month from him I think at the moment.. to cover bank loan and non-interest part of mortgage.
    various benefits £2358 (cb, dla, ca, ctc, is).. I have also applied for DLA for DD4 who has been diagnosed with mild cerebral palsy.. all good fun!

    mortgage £650 (£88230.61 left.. over 21 years and 2 months lol)
    c. tax now paid through housing benefit
    life ins £30 (not sure if cheapest possible but not quite sure what our cover is to renew elsewhere)
    B&C ins. £38 changed to a more sensible one
    New loan £270 12.9% (£15296)

    gas/electric £330 ... bill was £1203 :eek::eek::eek:
    mobiles and landline £100 (one landline 3 mobiles)
    internet £16.42 ..

    now the crappy bit..

    Overdraft £1330 .. up to the limit of course!! reducing by £167 a month (8 months left)
    Next £110 (£1023.93 owed in total!!!) (All other catalogues now paid off fully!! :D)

    BHS storecard £86 owe £1820

    snack money £5
    Nursery fees £140
    DS2 bus fares £28 .. Lunches free now!

    £2843.93 owed in total excluding the big loan, overdraft and the mortgage. I love payday!!

    See.. still going down in spite of the hubby being a twonk!

    Paying off the Next account is my next big challenge!!
    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.)
  • Valli
    Valli Posts: 25,463 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Looks like you're on track for the DFD - well done!
    Don't put it DOWN; put it AWAY
    "I would like more sisters, that the taking out of one, might not leave such stillness" Emily Dickinson
    :heart:Janice 1964-2016:heart:

    Thank you Honey Bear
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