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Living for the Present...after all who doesn't love a gift!
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Have been busy listing most of the afternoon. Up to 10 on ebay the rest i will try on fb first! If not sold on there I will move them over during the week! Whilst looking for treasures, i've realised my ds1 needs a whole new p.e kit for school (Noooooooooooooooooooo!!!) He has to have 2 rugby shirts which are approx £30 each. Trackies with school logo £30 again (approx) new rugby boots (£30 AGAIN) umm also needs polo shirts, shorts, swim wear, well the list goes on...........argh! Oh and new shoes, shirts, trainers & jumpers are needed too!!!!!!! The only things salvageable for next term are trousers which i bought too big lol and the school tie!!! God help me, where will I find all this cash from :eek: !!!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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debtfreewannabe321 wrote: »Have now sold:
Little rain mac-£2 (cost me £1)
Bundle of girls clothes (mentioned earlier post) -£7
Duvet set (wasn't planning on selling this but i have spares and someone was asking for one lol) -£2 (only cost me a fiver many moons ago!)
little knick knack ornament that always needed dusting! -£4 :cool:
[STRIKE]=£11 from fb.[/STRIKE] £15 once all is picked up :T
Ebay bids on 1 item for 99p with 3 watchers already. Another item has 2 watchers. Not bad as only put them on a couple of hours ago
Nothing from gumtree yet!
Once all is picked up that has been sold I will only need another £9 and DD goodies for her b-day are all paid for
Oh and school uniform not quite as bad as first envisaged. The company that used to sell them has gone bust:D so another company has taken over and for essential items seems much cheaper :T still a few £30 odd items but not as many as first feared :T
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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Just bought ds1 p.e & rugby kit.....minus the shoes! £140 :eek: and that was the bare minimum!!! So glad i have a school fee fund :T ! Although it's looking rather sorry for itself atm
Right i will stop updating nowand i'm logging off to watch a film with my son & puppy! DH has gone up to play on the x-box *rolls eyes* mid-life crisis anyone..........
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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Wow what a busy day, although you've had to pay out for school uniform at least it is all sorted now and not last minute (like me!!).
Enjoy chilling out with your DS.xxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Well the p.e kit is sorted never mind the rest lol! Will sort that all out next pay day i think!!
have been to collect a parcel from post office today, car started first time. We're debating whether or not to take it to the garage before friday as we have a mot that day, and if it doesn't start i somehow doubt they will pass us on an mot!
Have taken dd to nursery today
Dropped off forms for new school in September
Been told DS2 has NOT got a place for certain in September (grrrrrrrr)
Moved stuff about in living room for more space
Still need to
*do kitchen (hate this job is never ending)
*make a curry
*dh is dropping off a duvet set to someone a few quid for the cake fund there.
*more washing!
*empty garden out- as once the weather clears i need to rush out and do lawn and also the toys are getting ruined in the rain!
Enough! Hope all is well with whoever is readyxx
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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Hi hun,
Just to say well done on the FB sales, I still haven't ventured onto that one, and doubt I will now!
Shame about the uniform, but at least you won't have to worry about that in August.
LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j0 -
Thank you gargrave
you seem to do well enough without facebook lol, the gumtree round here is a little slow i've noticed so i don't usually bother with that so much!
Ebay is currently at:
2 items with bids :T and both with watchers (3 on one and 4 on the other )
one item no bids but 2 watchers.
one item no bids but 9 watchers :eek:
one item no bids but 1 watcher.
So i will at least make 1.98- minus the fees lol
I have 10 items on there now, all 99p barr one that is £20 (not too bothered if that sells or not so that's why it's not on at 99p i'm not giving that one away!)
here's hoping everyone wants my treasures and bids at the weekendI could do with the extra money for summer holiday fun
I have forwarded on 50 shades of grey to about 15 women now :rotfl::rotfl: if anyone else is wanting it drop me a pm with email address and i will pass them on (have all 3 for you :T)
DS1 is being a good boy and has helped me clean the house & the garden :T so i'm finished a little earlier than usual. I could still do the clothes upstairs which are piling but am pooped so will leave that for later. I cleared the pile yesterday and already it's full again *sigh*
Anyway off to have a mooch on ebay for cheap school shoes for ds1*shhhhhh don't tell him
* I'm sure ebay shoes is not cool for skool :rotfl::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
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YAY i have enough for the cake now
i've got £2 on it's way to me (dh dropped something off to someone on way to work) and £2 coming to me tomorrow. Also have £2 just gone in the pot. Should have been £4 but needed loo rolls
lol. But have £15 for the cake so hubby can't moan about us buying one now as it's not affecting the budget
am sooooooooooo looking forward to eating that!!!!!
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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Have been on the CCCS online budget thing and had a little look and the debt stands at 10,4XX (can't remember exact figure now) and....... I noticed my smallest debt is only £80 now :eek::D
SO i've decided to save some money and pay these small debts off in one go. I know the CCCS do not like this but it's really driving me mad and i want to reduce my creditorsto actually feel like i'm getting somewhere- hope this makes sense!
DH earns £10 a day extra over the summer so if i don't touch this i reckon i could pay the smallest debts off end of summer and then let the CCCS know. Plus i get income from the rental next month, although it is only £275 for August and i need about £75 to break even on the spreadsheet that is still £200 for the 'get rid of the creditors list'
If they decide they won't deal with me anymore then that answers my previous question of whether i should go alone with the dmp! It makes sense to me even if financially it doesn't make great sense as the smaller ones are 0% interest. But the quicker i pay these off the quicker i will have extra to throw at the ones that are charging me interest???
thoughts...............:cool: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
0 -
You sound as though you have been rather busy today and also had a number of spends recently especially with school wear.
Trust you are well.June 16 Mortgage Amount £82,896.15
Official mortgage end date August 2027
Current rate 2.59% until August 20200
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