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

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  • gargrave50 wrote: »
    Don't be so silly, if you don't take them they are going to the charity shop.........

    Ahh well in that case i'd love to put them in the 'to grow into pile...' :rotfl: :T :kisses::kisses::iloveyou: Thank you so much :D
    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
  • i'm negotiating a BIN on ebay for one of my bundles ;) so maybe £10 more to add to the emergency funds :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
  • have offered the next bidder on the list the ebay item that didn't get paid for - i know i should give him a week really but his feedback is (1) and negative for non-payment!!! So next bidder was £47........
    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
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Ahh well in that case i'd love to put them in the 'to grow into pile...' :rotfl: :T :kisses::kisses::iloveyou: Thank you so much :D

    No probs poppet, PM me re: how to get them to you xx
    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:j
  • G i pm'd you :D

    And i've spent the evening being reminded of just how stupid I am by my darling son! I decided to make 'learning' and 'revising' fun so found an online website to do some tests....well i got 7out of 10 WRONG and he got 1 out of 10 wrong :o guess who then spent 10 minutes teaching who how to do algebra :o haha! Then we both did the periodic table and both got bored of guessing which element had which letters for it's shortened name........he still beat me though, oh the shame. And now i've given up and am watching t.v :p

    It's ok though, English tomorrow and I will be better (I WILL, I WILL, i hope...........)
    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
  • I wondered if there are any worksheets you could print off the web. I know DS2 and DS3 are always printing stuff off as DS3 loves to play schools.

    Hope you have a better nights sleep tonight. I know everything seems worse and my fuse even shorter when I'm tired. xx
    DMP 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 2021
  • Thanks alice :) i should be in bed now but have spent the last hour listing 99p items onto ebay *sigh* they had best sell lol as i have stuff all over my living room now! Also awaiting an email from a buyer so will hold off logging off for 10 mins or so, otherwise if i hear nothing by then i'm off to bed!

    Made another 99p on ebay! Had an item finishing that i'd forgotten about lol. Have lots more stuff to photograph and get on ebay still! That's for another night though.........*YAWN*
    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
  • :doh::doh::doh::doh::doh::wall::wall::wall::wall:
    Checked the bank this morning and balance was £0.00. So i assumed i was overdrawn by a few pennies as a bill was due out this morning, so quickly transferred £10.50 that i owed my main account from school funds and it was still at £0.00 :(:( ARGH!!! Had to transfer over £50 from PANIC fund (and i was in a panic by this point) and i have £47 left in the account so it was only a few quid under. Now i have to pray that they don't charge me for being over drawn for less than a day. Also that they didn't send my DD back unpaid. I also only have £46 due to me before pay day now :( and i owe the panic fund £50! I also have 2 more DD's due out to the tune of £40 so in reality can only pay the panic fund £7 BUT then that means no more food top ups, which isn't going to happen.

    The overspends i've worked out thus far are on:
    swimming -24 (i ended up paying for demonic niece)
    books for kids- 16
    food top ups - 40+ (haven't worked this out properly yet but am guesstimating around 40 over budget!)

    all uniforms were paid for out of school fund budget. car was paid for from car fund. so i can't think where else i have overspent.

    DH phone was £43 instead of £20 so £23 overspend there :(

    over all this is £103 (by quick mental calculation may be wrong there....) so yep i've overspent and budget has been blown out of the water this month! NOW to do a stock take of cupboards later and see if we can get by on perhaps a £10-15 top up next week only so i can claw back some damage! grrr!!

    Ok off to nursery now, then coffee morning (no breakfast for me today!) then my daughter's graduation from nursery :cool: and home to make cakes (free!!!!!!!!!!! yay!!!!!!!!!!!!)

    Right-O am off! Will be back later, with probably more spends i have forgotten about :eek::eek::eek::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
  • You will get there my lovely. I get paid tomorrow, and I have ZERO in my bank account!I mean absolute zero. No matter!
    I still need to sort an emergency fund too!
    Trying to shift that debt!
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Quick backtrack, I havent read your this mornings post yet, but there are loads and loads of online work sheets to print out, I used to get them all the time for the girls . Mine dont much fancy playing schools these days though unfortunatley ! I did the same as you about a year ago and went head to head with them on the online MAths Challenges, and like you I failed miserabley whilst they came out like mini genuis's !! There really is no hope ! Algebra and I just dont get along ! ;)

    Hope you do better today with the English ! xx
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
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