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Pigpen's DFW diary..

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  • bandraoi
    bandraoi Posts: 1,261 Forumite
    Why don't you get your hands on some paving slabs and lay a stepping stone path out to the line.
    At least it'd reduce the muddiness.
  • pigpen
    pigpen Posts: 41,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    *zippy* wrote:
    Pigpen I notice you are paying your abbey and american express off first. Have you checked the APR's on the storecard and catalogue. I know for example Next aprs are very high (from experience of course!) just thinking it might be worth you targeting these first.

    The am. ex. is going because I only owe them a small amount but they are wanting a large sum each month. When I am not paying them £200 a month I will be able to pay the others off PDQ. The storecard is the next one I am tackling. The abbey card I try to pay off the interest plus £50 every month.. it just makes me feel better knowing it is all reducing.

    I pay the minimum payments to everyone and then pay extra money to that months 'victim' (they are the victim because once paid off they won't be getting any more interest or charges or anything from me!)

    And.. to be quite honest I have no idea how the APR's work.. does that make me extremely thick?? I know that the higher the apr number, the higher the number they add to my balance!.. that's good enough for me.

    I've done a snowball thing.. I should do another now I have a few more of the APR's. I refer to it daily and am using it to strategically pay off my bills. I am refusing to pay more than £1000 a month off the debts now because the snowball calculator said that should be enough. :D
    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
    bandraoi wrote:
    Why don't you get your hands on some paving slabs and lay a stepping stone path out to the line.
    At least it'd reduce the muddiness.

    We are looking at that.. the garden is my husbands project and he won't have concrete pavers.. he is a stonemason and it is one of his quirks. My nagging will pay off eventually though right now we are trying to get the inside of the house safe and habitable.
    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.)
  • hi Pigpen - just wanted to say hi
    first i think what you have done with your food bill is AMAZING that is what i have reduced mine too with only 2 children. Also i think you have set an amazing target of how much debt you are paying off - you really have paid off lots already - you must feel good.
    Having read your posts on fly lady i think you must be v hardworking - with a big family to look after, doing the ebay and quidco stuff - they are v lucky to have you - good luch
  • pigpen
    pigpen Posts: 41,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    *whispers* scaredy, I don't do anything! I just sit here all day every day unless I have Herr Moggins breathing down my neck!!
    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: 95,309 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Dont believe you!!
    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
    beanie.. I sit here half the night too!! And I'll be back before 8 in the morning!!

    the plumber is back in the morning.. 9am.. and the electrician was coming on Tuesday.. then Monday and now it is Wednesday.. and they say us women are indecisive!!!

    I made an £18.59 ovrepayment on my mortgage today, it was left in my account looking lonely so I put it to good use. The child benefit and carers allowance is in tomorrow so I can stock up on food.. mainly for the children!! I swear they are locusts! I'm paying a little lump off the utilities as well. I getreally xcited when it comes round to payday (ie wednesday) I love paying off my debts, watching those numbers go down and down. I want it to be less than £20k ... that will feel like an achievement :D

    Off to bed so payday comes round a bit quicker

    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
    Not long after 8 and here I am.. checking the bank balance, or rather the bank unbalance!! :eek:
    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 u are truely an inspiration - i am going to get cracking!!
  • SSB
    SSB Posts: 332 Forumite
    Part of the Furniture Combo Breaker
    Ok Pigpen... Since you sound so busy, I am going now and starting to prepare the bathroom ready for painting later... I am feeling lazy though...;) . No, No I am going now...
    Will check your thread later.
    SSB :D
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