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Living for the Present...after all who doesn't love a gift!

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  • Interested to hear how the bureau turns out x

    It turned out ok actually :j i was really worried about doing it after a few not so great attempts ( I thought @nnie slo@n was supposed to be hassle free!) we still have to distress it and wax it but it looks pretty good :cool: DS1 helped with the painting and I hate to admit it BUT his looks better than mine :o:o I've offered him half profit on whatever we make on it (well half of a half as Friend will take her half :p) Have to say the country grey is far more forgiving than the old white too. Perhaps it's just us but making a bit of furniture look old and battered is far harder than it looks :rotfl::rotfl: That'll be the last time I say 'Oh that looks an easy way to make money, how hard could it be to do that!' :eek::rotfl:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • June targets

    NSD-15
    LSD-5 (less than £10)
    List at least 15 things on eb@y/fb/gumtrae for sale
    Stick to petrol budget (£100)
    Stick to Grocery budget (£500 this includes bulk buys as i'm trying to restore my stock cupboard to it's former glory! Hope to drop this in a month or so when i've done so)

    6 month plan

    Get Emergency funds up to £500
    Emergency house funds (rental house) up to £500
    Pay off 3 smaller debts (I realise I will be probably dropped by dmp, not really bothered will go alone)
    Get grocery spends to between £350-400 a month (not sure how realistic this is when eating organically wherever I can?!)

    Needing some motivation and inspiration so hoping this helps! :)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,456 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 30 May 2013 at 4:11PM
    These are the 3 smaller debts:

    Catalogue- £73
    Vanqui$ 1 - £113.93
    Vanqui$ 2 - £134.


    I'm not sure if the figures they have are correct so I will find the statements from each creditor and have a look but if they are then I need to find, £320.93 in the next 6 months which is £53,48 a month which I hope is do-able :D I already have started on the emergency funds / house funds so I will log on later and let you know where I stand with those (although in my new envelope system i've borrowed from both so if all goes well and SHE pays me this month I will get those back to where they started + some extra :T)

    ETA just checked statements and they are all out! catalogue is £78, V1 is 120.85 & V2 is £138.90 so a bit more money to find (typical!)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Yay to payday tomorrow DFW!!!!! xx
    Mummytogirls x

  • YAY indeed lol!

    I've found 15 items to list on FB! They're all clean (well apart from the fact they may have been folded up in my drawer for a few months :o ) Will iron them tomorrow now and then upload them all. I made another £2.50 today and have £10.50 worth of bits being picked up tomorrow :) I also managed to bag myself a free knitted cardie for DD :T all it needed was a clean, if they'd cleaned it themselves and put it up for sale they could have got at least £3-4 quid! Oh well their loss ;) she needed a new one too, wonder if this means I can sell the old one now :p

    DH & DS1 gone to kung fu tonight. So i might have a little nose around the diaries :) Oh and I made my first card from the bundle of stuff I bought (there is loads of stuff and magazines :T ) and I bought 5 dolls, they were slightly mis-selling though in my opinion they are porcelain dolls not plastic barbie sized ones that I was led to believe. Still they looked rather nice even though the boxes were a bit tatty so i've got 5 to split between DD & DS2. Will take the money from the birthday fund and feed it back to where I stole it from tomorrow ;)

    xx
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • shinner
    shinner Posts: 670 Forumite
    Seventh Anniversary Combo Breaker
    Wow you are super organised. Think i will have to subscribe to see how envelope system works.:)
    I really need to sort out ebay listings been through DD clothes today 4 bags to go out.Lots as good as new.
    sealed pot challenge 099
    2013 £365 in total
    2014 ???? Target £400
    debt 1 [STRIKE]6753[/STRIKE] [STRIKE]6386[/STRIKE] 0000 debt 2 [STRIKE]4973[/STRIKE] [STRIKE]4731[/STRIKE] 0000 debt 3 [STRIKE]3673[/STRIKE] 0000 debt 4 [STRIKE]2400[/STRIKE] [STRIKE]2239[/STRIKE] 0000
    OH debt [STRIKE]3800[/STRIKE]2780
    Bank of Mum [STRIKE]£2750[/STRIKE] 2000
  • Morning :T

    Thanks for popping by shinner :) I go through periods of great organisation and then periods of doing SFA! I wish I had a bit more stamina to keep it up lol ;)

    Well it's payday! Checked bank and nothing is due out until the 3rd so I will stick to cash until everything has been paid then see what's left in bank once everything is paid bill wise. I sold £6 worth of clothes last night (3 old tops) they are being picked up today along with all the other stuff! Everyone has been waiting for payday it seems :p

    I've already put a wash on today and it's not looking fantastic outside so i hope the weatherman was not lying to me :eek:! I have at least 3 or 4 more washes to do yet :eek:!! I need to it dry!

    Gonna grab a shower this morning and get ready early as i've got te$co coming, lots of people for bits they've bought. I also need to pop to farm shop today as i've not ordered any fresh stuff from te$co and I need to go to the bank too. I'm staying away from the shops though and I won't be doing my usual on payday and spending loads ;) i've ordered it all in except fruit and veg and who can have a splurge in a farm shop, right? (famous last words, you watch...............)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Spent all day painting furniture and washing clothes! It's my first Nsd of the month (I'm not counting planned spends- te $ co) and I made £12.50 (with £6 still to collect! ) good day and fish and chips for dinner and wine for afters ;) xx
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Well done on the sales, the are certainly adding up for you and no nasty fees either.

    Fish,chip and wine sounds lush.
  • June targets

    NSD-1/15
    LSD-0/5
    List at least 15 things on eb@y/fb/gumtrae for sale-18/15 :T
    Stick to petrol budget 0/100
    Stick to Grocery budget 225/500

    :j
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
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