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£21,000 to pay off -but we will do it this time.

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  • Enchanted21
    Enchanted21 Posts: 230 Forumite
    **** Running to grab a spoon ***** I don't suppose you saved me a slice of cake? :D:D
    Debt total before IVA = £43,350.
    "If I go looking for my heart's desire again, I won't go any further than my own back yard," ~ Dorothy Gale.

    £10,000 / £0
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,256 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 6 August 2013 at 10:23AM
    Morning Enchanted, I'm well, shame I can't say the same about the weather! Black clouds and looks as though more rain is heading our way, enjoy your sunshine.

    Yesterday was NSD 6/42 :D, today will also be a NSD as I'm not going anywhere, going to tackle mount washing and mount Ironing, where does it all come from :mad:?

    Rent has hit account so £400 has been transferred to DH bills account and the rest in my account for more bills, oh how I long for the day when I get the rent money and can think 'OH I know lets book a holiday, but sadly thats a looooong way off :(, I know, I know its all my own doing.

    Yesterday's surveys-

    Ask GFK - 60pts
    0pinion bar - 10p
    Ips0s - 10pts
    Cr0wd0logy - £2.48
    Inb0xp0unds - 1p
    Nectar adp0ints - 51pts

    Cr0wd0logy was a good one and got me over the £4 threshold for redeeming, so withdrew £4.70 into Paypal, have £8.70 in there at the minute and I'm leaving it as I might need it later in the month for emergency bread and milk supplies :o.

    Hope everyone has a good day and enjoy the sunshine if you have it.
  • Plenyt of cake and crumble, no jam tarts I scoffed those :o:rotfl:
  • 4 loads of washing done, reckon 2 more loads and then its all done, might take down the curtains as well and give them a wash, will see how I get on with the Ironing before I do that.

    Whilst sat having a coffee I listed an item on ebay, only 99p item but every little helps.

    Also keep torturing myself looking at holidays, I can't afford to go so don't know why I do it to myself and even if I did get a sudden windfall it would have to be paid off debt anyway.
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Mmmmmm your baking always sounds delish Pennywise!

    Could you do the Sun £9.50 holidays so you get a little break? xx
    Mummytogirls x

  • I wish I were as good at baking as you are! Every time I come on here I am left drooling! ;)

    We've not had that many rainy days yet most of the time it comes in the evening after the kids have had a day out ...I think we're in for some though and soft play is far too expensive to do every day, best get the thinking cap on lol

    is there 42 days of holidays hence the NSD's being spread over 42 days and not the usual monthly amount? (sorry you probably said..i should just go back and read it instead of skimming as I always do with everything lol!) :p
    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, Yep 42 days to the summer holiday and I'm planning on not spending for half of it so my target is 21 NSD for the summer.

    I think I have rather large mice living in my house because the cupboards are almost bare and the dear children swear blind they have not been eating cakes/biscuits/chocolate :mad:, see me having to go shopping tomorrow.

    Tweaked todays menu slightly having kievs, sauteed potatoes and salad, also have courgettes from MIL to use so going to do some fritters with chilli and garlic dip, puds left over crumble, cake or fruit.

    Mummy - Might look into the sun holidays for next year, problem is with working in a school would I get the dates I need?
  • If the crumble is with custard, im in!!

    We do the £9.50 hols, but find the regulars who get a ticket early book up the kids hols. Although it depends where you are staying. I also find we still have to save up for spends whilst there. Still works out cheaper though. Kids love it.

    December 2018: £20,850.24. Now: £18,333.02 Total paid in 2019: £2517.22

    Weight loss: 1.5lbs
  • Crumbles with double cream, but I'll make you some custard rags.
  • No one in my house likes crumble! It's my ultimate fav (along with baked cheesecake) pudding ever!
    Reminds me of going blackberry picking up the lanes as a kid and picking apples and gooseberrys out my nans garden..........
    December 2018: £20,850.24. Now: £18,333.02 Total paid in 2019: £2517.22

    Weight loss: 1.5lbs
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