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Enjoying the Sunshine whilst Saving for the Rainy Day

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  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Cool news about Homestart. You'll be braw :T
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • Hi DFW

    Just checking in - you haven't posted since 10/10 - I know there is more to life than MSE but......

    Hope you are just being kept busy with the kids, DH, yoga, cycling, Flylady etc
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Just to let you know we're missing you here :) hope you're doing alright and life is keeping you nice and busy but also stress-free x
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hope your ok DFW xx
    Mummytogirls x

  • Sorry just a quick one to let you all know I'm ok and not fallen off the dfw wagon ;) MIL is here so had no time to myself! !!!! Also busy with everything else ...I will be back when she's gone and DH is off on Sat/Sun for 6/7 weeks too so he's been home constantly (he still doesn't know about my diary lol) will be back soon. .love to all xxxx
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • slm6002
    slm6002 Posts: 4,432 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    glad to hear all is ok - we were getting worried. See you once everything has calmed down :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • Hello!

    Well i've been busy busy busy :eek: I hope everyone is ok? DH has gone for 6 (ish) weeks now, he went on Saturday night and haven't heard from him since :(! He kindly (!!!!) left me with his darling mother. :eek::eek::eek:. I'd had enough of her by Sunday I can tell you :o thing is we get on quite well and I enjoyed the company but she's as deaf as a bl00dy post so everytime I spoke she'd go ''Ehhhhhhhhhhhhhhhhhhhhhhhh?'' *confused look* ''whaddya say?'' *sigh*. She also has bad eyes so she wouldn't drive home in the rain or when it was too grey. I was worried she might be here until next year :rotfl:The gods shone down on me on Sunday though and the sun came out so I packed her off promising to visit with the kids in the holidays:rotfl: I stopped laughing when I realised the holidays are next week :eek::doh:

    Been on my course to be a health champion. Awaiting exam results now, and I know for a fact I got 2 wrong :( just hope i got enough to pass. The lady running the homestart course has been in touch (after I emailed her 3 times :o) and is hoping to set up a course for after half term.

    Have been cycling today, a pretty easy 6 miles but I was thankful as I really couldn't be bothered this morning! Yoga has been abandoned for 2 weeks because of my course but hopefully i can go this week and next (If ds1 will have the kids for an hour for me!!??) Talking of DS1, he is now 15! And he's embraced it fully and become an even stroppier teenager with me. I am officially the worst mother in the world. According to him. :T Wonder if I get a prize?! So he's grounded until he stops speaking to me like dirt and helps around the house :). Guess we'll be waiting for hell to freeze over first then, eh?

    I'm on a nsd today...has to be really as i'm broke :o I overspent this month on clothes & bits for the house that needed replacing. Have decided to put a % of the wage towards the house maintenance from now and to make a list and get bits slowly from it. Otherwise I will end up broke each month till everything that needed replacing has been replaced! DH raided my emergency funds last week before going away. Apparently he needs £300 to go to Kenya with. Not safari Kenya, but adventure training, Kenya. Where all the food is paid for, the flights are paid for, he sleeps in a tent. I'm confused as to what the money is for. I said to him he'd best come back with lots of stuff for that or i'll just assume it was all spent on pr0st1tutes :shocked: he didn't think that was very funny though?!

    It's half term next week and as I said before i've promised the MIL i'd visit, also I need to go see my mum. They are both in Kent so I'm thinking I could do one night at MIL drive over to mum's house (on the way home) and stay there for the day and maybe a night. Problem being of course, I'm broke :o don't really want to steal from emergency funds or use money from next month's wages. Will have the CHB on Monday so could use that but that's normally my food money and I will need money for petrol and food and whatever we do. *sigh* why does everything have to cost so much!

    Anyway enough from me ;) this afternoon i'm making banana and sultana loaf with old bananas and also brownies with white choc chip bits :). And this afternoon's activities are with leaves and glue, messy and hopefully not too stressful :rotfl:
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Well done on the 6 mile cycle, rather you than me as it's bucketing down here and I'm laughing at all the people as they get out of their cars and run hahaha, cheap entertainment though.

    Oh the joys of teenagerdome, it doesn't last forever, promise! I would just hide the brownies from him as punishment and tell him they're your prize :D


    Did you definitely say half term holiday? If not, then pretend you meant the Christmas ones. Sneaky...and you can get away with it as she probably just misheard you ;)
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • Good plan, I really don't want to go anywhere, don't feel like i've stopped for weeks on end. Am finally in a sort-of-routine with the kids though and no longer thinking I made a huge mistake taking on another 3 :eek:!

    BTW forgot to add heating hasn't gone on. My lovely neighbours have switched theirs on and are keeping me insulated from both sides right now. I'm aiming for November but as it stands it's not very cold here (or maybe i've acclimatised to it after last years horrible one) and I may try to hold out for longer. Will let the kids decide i think, once they begin to moan and have jumpers and socks on and are still moaning then I will put it on!

    AND finally:

    I've just been having a read around the diaries and am shedding a tear for dear Taxi who passed away from cancer :( I only wish i'd conversed with her more, she seemed like such a lovely soul. RIP to her. Cancer is such an awful thing :( xxxxxx
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • DS1's birthday cake........
    1384252_10152497545307788_1009513967_n_zps0ae907e3.jpg

    1374193_10152497545112788_1581721947_n_zps703881ec.jpg

    And I'm the worst mother in the world eh....:rotfl::rotfl:Little git. He ate this before being a monster!!! :rotfl:
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
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