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

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Comments

  • banwa
    banwa Posts: 952 Forumite
    Yay DFW, great to see you back, look forward to catching up with all your news

    Banwa:)
    Debt £26k 18/10/14
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Hello lovely, nice to know you are still around. Look forward to an update soon x

    a funny for you:

    533389_382010995167444_1617912853_n.jpg

    Granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi

    Just popping in...hope alls ok

    Brizzle
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Hoping next year turns out to be a good one for you. Hope your Xmas went well and also just popping in to say to everyone:

    Happy_new_year_2013.jpg

    Granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Hello all! :j

    Well I finally have my netbook back up and runnin (oh how i missed it!!)

    My doggy is 1 today :bdaycake: so I have a house that smells of pilchards at the moment as I baked him a cake :rotfl:

    Have I missed anything important???

    I'm still on the dmp with the CCCS and still not paying very much, am quite enjoying the extra money tbh! I have come to a few realisations along the way and one is to stop struggling all the time just to pay creditors an extra £10 a week!

    I've also had a few realisations about food budgets etc. Whilst i was doing well eating for very little, the food we were consuming was low quality & making me ill. I have recently cut out asp@rtame from my diet and i feel so much better for it! I've lost half a stone by switching from diet products to full fat- go figure eh! I spent £90 on my weekly food shop this week and nearly everything was organic. It can be done.

    My eldest son is home from boarding school- for good! We all had enough in the end and that was that. No sense in living a life because of how others think you should live. Do what you like so long as it hurts noone else ;)

    I may be moving soon to Sunny Wiltshire (am hoping it is sunny there anyway, Essex is awful at the mo lol)

    My youngest starts school in September and whilst i have secured a place at the school here (which is hard enough work) hubby comes home and tells me he wants to move- argh! DS1 had only just come home too and is at a new school now which he is top of the class and loving it. He's like a big fish in a small pond now as opposed to the little fish in the ocean at the last school. Happy kids = happy mum :D

    Not much else to report. Budgets have changed a gazillion times lately but we always manage and our debt will hopefully, by summer, be below £9k. :T It's a slow, arduous journey but one i will never forget!

    I hope all is well with everyone and i will try to catch up with you all :)

    DFW 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
  • Hi DFW,
    Good to hear you are well & great to see you back. Keep posting now, I am on my 3rd diary :o Except, it is the same story !! DEBT, DEBT and more DEBT. Still, gotta keep lpodding along.
    05/03/14 £15,980 0n 2 CCs
    07/04/14 £15,690 On 2 CCs

    :eek: :(
  • haha mummy, i could start a third one too but would be the same story here too ;) DEBT!!! argh! lol x
    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 have tried to pop in to all my friend's diaries but have run out of time and only half way down the list :eek:! Will try again later after kids are safely tucked up in bed ;)
    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
  • Hi DFW321, good to hear from you, we've missed you.
    Can't believe your little pooch is 1. :eek:
    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Great to have you back DFW321:j:j:j

    Nice to think DS1 is back and it sounds like its going well for all of you..

    Whoever told you Wiltshire was sunny????:rotfl:Has he been there recently? Perishing cold I'd say!! Maybe less so than in the East but hardly the Algarve:rotfl:

    Take care and as I said, its great to 'see' you!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
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