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£21,000 to pay off -but we will do it this time.
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PWPS!!!! I had wondered where you were!!
Hope alls good.
Have subscribed so I don't lose you againMFiT-T4 Member No. 96 - 2022 is my MF goal
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::T0 -
Christmas dinner out does sound lovely, do you have anywhere in particular where you'd like to go?
I do love Christmas dinner at home but DH tends to take over the cooking.. Which I don't mind at all
Sounds like you had a lovely Fathers day and the choc cake sounds yummy!!xTotal Debt 01/01/14 £7810 / 01/02/14 £7060 / 24/02/15 £2700
CC £2400
Next £300 was £4550 -
I also waitressed on xmas day like plmbl it's the most money i've ever made in ONE day i should go get myself another job in a restaurant really. Tips are great
I'd love christmas dinner out too but do like the leftoverslol 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
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Christmas dinner out would be a lovely treat, will just have to wait and see how finances are.
Past week at work has been mad and to be honest I'm getting the overwhelmed, anxious feeling which is not good for me, which is probably why I havn't posted much this week, I become reclusive and depressed and feel as though I want to run away from everything when I start feeling out of control.
House looks like a bomb has gone off, didn't get much done yesterday as DD had a school event on which she volenteered (sp) me to help with and today OH has promised his mum and dad we will go and help with some DIY and then I'm back to work tomorrow.
Finances are not good and I'm desperate for payday to arrive, need petrol and pay barc card.
Have one Item finishing on ebay today, bids are around £4 and I have £3 in paypal from mysurv£y so will use this and ebay money for petrol.
Halifax sent me a letter for 0% for purchases for 6 months so I've paid off next account with halifax, think i was paying around 30% on next:eek:.
Did meter reading for eon and they have put our DD up to £120 from £62, we have been telling them we were not paying enough and now we are £350 in debt to them :mad:.
Sorry its a very moany post, but i need to get it down and not keep it bottled inside:(.0 -
Awww PWPS sorry to hear you are feeling so down. You have been doing so well but I learnt its quite OK and normal to have down days.
On the positive side you have saved some money buy switching to the 0% card. Also when you get back today (not sure what time that will be) what about asking everybody to chip in with the housework, I feel better even if just the vacuum has been run round and the living room and kitchen are tidy.
The DD increase to E0n is pants and frustrating, especially as you've been telling them.
Try and keep your chin up, this debt busting marlarky is tough. 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 -
Keep on going girl..you can do it. We all have miserable days...no one is excepted! Hopefully next week will see payday and you will feel more in control.
Take care xMFiT-T4 Member No. 96 - 2022 is my MF goal
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::T0 -
Sorry you are feeling down. I hope you manage to get some relaxation time in your busy weekend.
You are doing great, remember to give yourself credit for that XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Ah keep your chin up we all have these days and when I have them I just keep saying to myself, tomorrow will be a good day! I hope work is a little easier on you this week coming. Big hugs you sound like you need one xxxMORTGAGE 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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Oh, Penny. That's horrible about Eon. Sorry to hear work is busy and it is making you anxious. The way you describe is exactly how I feel at times. I'm send you my virtual love, support and hugs.
Oh, and a suggestion... Have you ever used bingo via cashback? I did it last year and made over £100 in cash back alone (topped up by whatever I was able to cash out of the sites themselves)
Basically a lot of bingo sites pay more in cash back than you have to wager. Recently Mecca bingo was paying £30 for £10 wager. It takes a little time to pay out, but it is basically free money.- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
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Hope you've had a better day today PWPS......keep your chin up.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
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