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30 months to no debt - an Optimistic Journey
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Hope you and the kids are better now XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Morning :wave:
You're doing great with ebay! I've min. bids on 2 of my 4 items! *sigh* Better than nothing though!!
How is everyone today? Better I hope!!Wealth is what you're left with when all your money runs out0 -
SBO, how's tricks?
better I hopeMFiT-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 -
Where are you Skint, you've gone awol. Are you spending all your windfall? I hope you had a lovely lunch on Friday...can't remember the last time I 'lunched' lol xxMORTGAGE 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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Month 28, Day 2 . hi all, sorry I have been ill and I have not had lunch and nor have I spent much money (its for debts remember!!) :P and I have however bought a car.
My car, is being really naughty and its time has come.
I should be able to scrap it and reclaim quite a bit of tax back, so that is good.
I have 16 items to post tonight on ebay and I have lots of work to do at home with being ill.
I am onto month 28- and thats brilliant!
Batchcooked food is being eaten. ebay is being sent.Back tomorrow!
Trying to shift that debt!0 -
Oooooh new car? Well, 'new' to you at least? What'd you go for?
Crikey you did well with your ebay. I sold 3 of my 4 items so happy enough. Then used some of the money to buy something for myself:rotfl: Kinda defeats the purpose but never mind!
Hope you're feeling better soonWealth is what you're left with when all your money runs out0 -
Month 28, Day 3 Dont worry HAW, thats "money neutral" and not a bad thing at all. We are getting a freelander. Its fit for purpose for us with the whole children dogs countryside thing. My car is getting scrapped.
Hermes seems to have put their prices up right after I began using them, argh! The search continues.
Batchcooked food is being eaten ebay is being packaged and ironing is being ironed. Work seem to have a concession thing where if you pre load a card to use at sainsburys for 45 pounds, you get 50 pounds to spend. As we shop at Lidl and Sainsburys this is a plan. I would say we spend about 100 a month in sainsburys.
With luck that will be a ten pound a month saving.Trying to shift that debt!0 -
I realise its a short sharp report but I am still a bit unwell...Trying to shift that debt!0
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Month 28, day 4. Feeling a little better, new car is with us and is AMAZING. I love it. it has a handbrake and EVERYTHING.
Paid 77p off vanquis, not as excited by this as I know its going to be wiped next month and the account closed but am being smart and following the ethic.
Sadly will be getting fish n chips for tea tonight (who am I kidding it will be divine) but not very MSE. This is because DD2 is off to Glastonbury and I will miss her. Its also because the goalposts changed somewhat and her dad wants her at his house at 6-7pm, which of course MUST be obeyed. I am thinking of taking her for 7.15 pm in line with his late attendance at everything.
The garden is growing well. I watered it last night and I have to cut the front garden soon as its looking a bit raggedy.
I also MUST iron - I have an absolute mountain of ironing which I must sort.
Also have yet more ebay to package. Madness!!
Have also upgraded my phone and my daughters. I have a cracked screen and I had looked and saw y upgrade options were terrible. So I said I wanted to leave. Anyway, I got a free phone and one for my daughter.
Not sure when they will come but thats something to look forward to. She has a white one, but I am more keen on the black ones.
Also I am going to complain, where have our lovely summer days gone? Shocking behaviour!!Trying to shift that debt!0 -
Skint_but_Optimistic wrote: »new car is with us and is AMAZING. I love it. it has a handbrake and EVERYTHING.
Wow! You are spoiling yourself!! :rotfl:Skint_but_Optimistic wrote: »...her dad wants her at his house at 6-7pm, which of course MUST be obeyed. I am thinking of taking her for 7.15 pm in line with his late attendance at everything.
Obviously!!I'm with you on this one 100%
Skint_but_Optimistic wrote: »I also MUST iron - I have an absolute mountain of ironing which I must sort.
Ironing?? What's that????
Well done on your freebie phones!! :T:T
Hmmm I dunno what's happened our summer!We were doing well there for a while but it seems to have gone to pot again!! Saves having to manually water the garden right enough!
Wealth is what you're left with when all your money runs out0
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