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I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
673 replies 99.2K views
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  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Brogden wrote: »
    Skinny - get some HG Kitchen 'Grease Away.'

    I got mine in B&Q......brilliant :D.

    It's Dutch but performs so much better than Dutch Managers of Manchester Utd :rotfl:!!!
    HG purchased Brogden and cupboard doors duley degreased :A thank you x
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    I'm painting in my sleep. I didn't realise each door would need 2 coats of primer, 2 coats of paint and 2 coats of laquer, there's 16 of them :eek:

    Oh well I reckon I'm half way through and it is looking good. I used trendy chalk paint, so it looks quite antique and cottagy (if that's a word)

    The date was OK, in fact I liked him, although I'm not sure I could date some-one who spends £100 on a bottle of wine, but it would be nice to try.
    Any way I guess I wasn't his cup of tea as I never heard anything else from him. Tinder account deleted, my ego is too fragile to handle this kind of rejection :rotfl:

    Well without further ado, I must announce my news...I am ending my diary....to start another.
    Inspired by Ali and Broggers I have to say.
    This diary has stopped being what it was intended for, a debt busting diary, it worked, I busted my debts, now it's just become a general random thoughts diary, and I've lost much momentum.
    Tonight I am going to a local buddhist centre, and will spend the evening in meditation, contemplating and pondering. Tomorrow I am going to spend the whole day devoted to the financial side of my life, reviewing, planning and fine tuning. That includes thinking of a new diary name and starting it.
    Right now I need to go and paint some more doors....

    Happy New Year Happy Hogmanay to every single one of you that have stopped by my diary, past, present and future, you all inspire me and keep me going, you make me laugh and sometimes cry!

    I will pray tonight that 2016 brings you wealth and happiness but most of all good health, and everything you wish for your selves. :santa2:
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Eager_ElephantEager_Elephant Forumite
    4.7K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
    ✭✭✭✭
    Will wait patiently for the new diary....


    t07060.gif
  • stressed.mumstressed.mum Forumite
    736 Posts
    Part of the Furniture
    ✭✭
    Happy New Year Skinny, will 'see' you on your new thread xxxx
    Hoping to stick to the challenge this year!!
    Make £5 a day for 366 started Dec 2019
    YTD £ £ 78.23/£1£1,825
    Cash - £ 48.23 Vouchers - £ 30

    Wombling into 2020 £38.78
  • Ali-OKAli-OK Forumite
    4.1K Posts
    Part of the Furniture Debt-free and Proud!
    ✭✭✭✭
    Have a wonderfully relaxing evening and Happy New Year.

    Looking forward to your new diary too :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • BrogdenBrogden Forumite
    1.2K Posts
    I'm looking forward to your new diary too :D !!

    Don't take inspiration from me......I've not got my new diary planned yet. It's just an idea at the momento. Gonna carry on with the old one for a week or two until I get some '2016 Rhythm' and then I'll know better what my aspirations are and break down into the various goals. They aren't even on spreadsheets yet......just a tatty pile of scribbled paper and print offs.....:o

    Happy new year Skinny :D !!
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Thank you for your new year wishes. The buddhist mediation was an excellent way to start the new year, highly recomended. I lit a candle for my kids praying for their peace and happiness, because after all if they're happy, I'm happy. :D
    More kitchen painting today, some doors must have had about 10 coats, and still tiny spots keep appearing :mad: but I'm winning the battle slowly.

    Exiting news, DS bought his first car :j When they were both born I started a baby bond, putting away £15 per month, DD spent hers, mainly on alcohol and a 1 way ticket to Greece! DS has chosen to spend his on a rather lovely black mini cooper, now sitting on our drive :D. This is where his finiancial lessons really begin. He already has a plan for when he's passed his test, taking friends into college, for slightly less that the bus fair, netting £36 per week.

    Anyway, I am procrastinating, hanging on to my old diary like my favorite old teddy (which indidently my Mum threw out when I left home :(), because I now have a brand new shiny diary here .... http://forums.moneysavingexpert.com/showthread.php?t=5386027
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • safehousesafehouse Forumite
    710 Posts
    Fifth Anniversary Combo Breaker
    ✭✭
    Ooh Skinny I will miss your old diary, it was your diary that inspired me into starting my own, but I am all for new starts and a new diary and having a new outlook sounds good to me, “out with the old and all that”. Totally sympathize with the door painting, but keep at it….mine were old mahogany and had 15 glass panels each, nightmare to paint especially as I tried to cut corners in the beginning “bad move” but soooo worth it, replaced dirty old brass handles with some nice new chrome scroll effect and WOW the end result was wonderful, they now look like new doors, not to mention the amount of cash saved in the process :D
    Good luck and happiness in everything you do for 2016.................:D
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    So I'm back :rotfl:

    ______________________________________________________
    This is me drawing a line under past bad habits!!!

    3 years on, and I've decided the mortgage free wannabee board was scary, I wasn't very good at it, I've gone from 1 mortgage to 2, and now I'm even back in debt again. :(

    In the last 3 years, I've fallen in love, had my heart broken, had 3 new jobs, moved 3 times, brought a 2nd property and met 2 older brothers for the first time. (There's a lot of 2s and 3s there isn't there?!)

    I did start a new diary on here, but put it in the wrong thread, and anyway I like this one better. I must reread it all at some point.

    Due to circumstances absolutely within my control I find myself back in debt, just before Christmas, with no savings and DS's 21st b'day in a weeks time.

    Barclaycard: [STRIKE]£1612.50[/STRIKE] £923 @ 17.68%
    Barclaycard: £4800 @ 0% until Mar 2021
    Halifax CC: [STRIKE]£510.66[/STRIKE] @ 22.2% Paid
    Very £149.97 0% until May 2020
    Santander Car Loan £5,893.00 3% until Mar 2021
    Carpet Shop £165
    Total debt: [STRIKE]£13131.13[/STRIKE] £11631.03

    It's certainly not as bad as before, but I wasn't making any headway paying it off so I need to make myself completely accountable and get down to it.

    Today I have set up all my savings pots again, and set up the standing orders starting from 1st Jan. I've discovered that savings pots are crucial to me being able to budget properly. After a change of bank accounts to Santander earlier this year it all got a bit messed up.

    That's all for now :o
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Happy_MondayHappy_Monday Forumite
    288 Posts
    100 Posts First Anniversary
    ✭✭
    Great to see you back x
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