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Pigpen's DFW diary..

in Debt free diaries
212 replies 15.7K views
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  • tattycathtattycath Forumite
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    Hi pigpen-I know this thread is quite old now and you haven't posted since the beginning of the year but...I have just read through the thread over the last couple of days and you're such an inspiration, you've done so very well. Anyway, as a result of reading your thread I've finally got up and listed some stuff on ebay-not got as far as yopur flylady thread but it's a start. Thanks for being so inspiring. I hope all is well with you and your brood. xx
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • edited 23 October 2010 at 2:11PM
    pigpenpigpen Forumite
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    edited 23 October 2010 at 2:11PM
    Spendless wrote: »
    Is DS2 at secondary school? Have you ever looked into whether your council offer free bus passes even if you live less than 3 miles away for anyone entitled to free school dinners,my council does.

    I already checked but thank you :D
    tattycath wrote: »
    Hi pigpen-I know this thread is quite old now and you haven't posted since the beginning of the year but...I have just read through the thread over the last couple of days and you're such an inspiration, you've done so very well. Anyway, as a result of reading your thread I've finally got up and listed some stuff on ebay-not got as far as yopur flylady thread but it's a start. Thanks for being so inspiring. I hope all is well with you and your brood. xx

    Sorry I didn't notice your post sooner.. I've been a busy bunny so not thought to update but I have exciting news.. the evil BHS storecard I was determind to pay off last December has FINALLY received its last payment and is gone.. so I am updating my list..
    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.)
    01/01/2022 £41653.68 (2.41% int.)
  • edited 4 March 2011 at 10:52PM
    pigpenpigpen Forumite
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    edited 4 March 2011 at 10:52PM
    XH giving me nothing
    various benefits £3583 (cb, dla, ca, ctc etc)..

    mortgage £600 of which I pay £300 (£85230.61 left.. ends July '30)
    c. tax now paid through housing benefit
    B&C ins. £45
    New loan £260 12.9%     (£12186) (ends Oct. '15)

    gas/electric £161 ... reduced payments as I reduced my usage!
    mobiles and landline £100 (one landline 3 mobiles)
    internet £16.62 ..

    now the crappy bit..

    Overdraft PAID PAID PAID!!
    Next £100 (£950 owed in total!!!)
    BHS storecard PAID PAID PAID!!


    DS2 bus fares £28 .. Lunches free now!

    £1,532.29 owed in total excluding the big loan, overdraft and the mortgage.


    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.)
    01/01/2022 £41653.68 (2.41% int.)
  • ValliValli Forumite
    24K Posts
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    Well done you!
    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
  • toriaterriertoriaterrier Forumite
    187 Posts
    Hey, I was just reading your diary and I got to page 5 and realised you live in Hull - me too! I'm sort-of weird and I love finding out people live near me lol.

    So, I'm off to read the rest of your diary. Huge congratulations on what you've achieved. Truly inspirational!
  • edited 4 March 2011 at 11:08PM
    pigpenpigpen Forumite
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    edited 4 March 2011 at 11:08PM
    XH giving me nothing
    various benefits £3583 (cb, dla, ca, ctc etc)..

    mortgage £625 (£84,472.86 left.. ends July '30)
    c. tax now paid through housing benefit
    B&C ins. £45
    New loan £260 12.9%     (£11993) (ends Oct. '15)

    gas/electric £161 ... reduced payments as I reduced my usage!
    mobiles and landline £100 (one landline 3 mobiles)
    internet £16.62 ..

    now the crappy bit..

    Overdraft PAID PAID PAID!!
    Next PAID PAID PAID!!
    BHS storecard PAID PAID PAID!!
    Littlewoods PAID PAID PAID!!


    DS2 bus fares £28 .. Lunches free now!

    £0 owed in total excluding the big loan and the mortgage

    I now get to start on the small loan while saving for major repairs to the house.

    New guttering £800
    bay roof repair £280
    new windows in DD2's room and Boys room £1500ish
    Plastering in girls room £400ish
    Decorating and carpet in girls room £200ish (mostly carpet as I have all the paint etc)
    tiles for kitchen. £400ish
    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.)
    01/01/2022 £41653.68 (2.41% int.)
  • beanieloubeanielou Forumite, Ambassador
    84.6K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
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    Long time no 'see'.
    Good news on only mortgage & big loan left :j
    Feel your pain on house repairs as I am exactly the same at the mo sad to see.
    Take care.
    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 [email protected] All views are my own & not the official line of Money Saving Expert .Lou~ Debt free Wanabe No 55 DF 03/03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free February 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.It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***Weight loss. ** 2 stone 2 lbs.
  • pigpenpigpen Forumite
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    Bay roof is being fixed on Sunday and the guy is giving me a quote for the guttering .. they are causing structural damage so are my priority for money allocation at the moment.

    Money is disappearing in this order..

    Bay roof
    Gutter
    Uni loan
    Plastering
    decorating/carpet
    New beds and wardrobe
    new windows
    tiles
    School uniforms
    Christmas

    I can't believe I don't have any catalogues or credit cards or overdrafts left to pay.. ever again hopefully!for the first time in 20 years.. it is an amazing feeling!
    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.)
    01/01/2022 £41653.68 (2.41% int.)
  • beanieloubeanielou Forumite, Ambassador
    84.6K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Ambassador
    I bet it is amazing indeed :grin:
    Try to hold onto that feeling.
    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 [email protected] All views are my own & not the official line of Money Saving Expert .Lou~ Debt free Wanabe No 55 DF 03/03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free February 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.It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***Weight loss. ** 2 stone 2 lbs.
  • chevalierchevalier Forumite
    7.9K Posts
    Part of the Furniture Combo Breaker
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    Hi noticed you on another corner of MSE and thought i would pop in. Well done on paying off that much debt that is awesome.

    How did you get on saving for the repairs etc? Did it all go to plan?
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
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