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Puzz tries again.. this time with claws... My DMP Journey. I will get debt free...

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  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Hi Noah, Funny you replied on my diary as I was reading yours...!!


    I don't think I've gained any weight, just can't motivate myself to lose any... will try to be 'goodish' as I don't want to go too close to 11 stone with christmas round the corner...!! Will re-group in the new year and lose these lardy bits..!!!


    yep my mum is fab, i'm very lucky to have her, my siblings aren't so kind to her as she's got older but that's fine as she has me and I have her...


    Today I have spend... £121 on panto tickets...:eek: But again not real money as it has come from a savings account that my friend and I pay into every month saving for a weekend away.. well we haven't had one, and haven't got one planned so used some of that money to take her and I and our 3 dd's to panto...


    Also bought niece's birthday presie so need to transfer that money from birthday pot...! Bank looking a bit sad.. about £7 in it.. but PAYDAY tomorrow.. :T


    Got a few hours overtime on saturday and will get paid a little bit for last month but suspect that will get swallowed up in all this christmas spending...!! Not keen on my savings pot being depleted though...! Well I guess that's what it is for...!!


    90% of work for month done, so 1 more either tonight or tomorrow, which means I could take friday off and do my saturday jobs then, leaving saturday free for work and visiting relatives..... will decide tomorrow...


    Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Nearly the weekend.... decided against taking the day off tomorrow as don't really need to do anything and have taken a few extra days off over the festives instead..


    Payday.. :j.. ended up with the pricely sum of £7.88 left.. won't get far on that...!! The good news, no water to pay this month.. :T well for the next 4 months actually and then the double whammy of no council tax in feb/march.. love those money months...!!


    Good news.. ish.... Not had a proper pay rise for ages.. still not getting a proper one as such but getting a lump sum in December's pay packet..... sit down are you ready for this.... of £141.... won't go far but better than a smack in the face with a wet sock and I've no doubt I have a million different uses for it...!!
    The payrise is not large but hopefully will clear £30? a month.. will have to wait and see.. that will be good as I can up one of my pots..!! until the next review with sc which isn't until August next year..


    dd at school until 6... :eek: second time this week, in fact she hasn't been home normal time at all this week apart from yesterday when she had to go to work... mum's cab gets lots of use in the dark winter days...


    Ordered cats flea stuff..at last..!! lucky its not flea season...!! Also ordered another present for dd but using amazon voucher... hope to go and do some christmas shopping at the weekend, will see how it all goes...


    Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Monday again.... but only 2 more whole weeks then a 4 day week followed by about 10 days off....yippee...!!


    My appointment this morning was cancelled so I have decided to use the day wisely and get some jobs done as the rest of the week is looking busy...!! So moved money around need to go and pay my 20p's into the building society for holiday 2015 fund.. withdraw £40 from christmas to convert into 'upside down' money for relatives christmas and withdraw money to pay my mum loan...


    I did a couple of hours overtime saturday so hopefully will get a little extra in december's pay packet. not to be touched until the end of the month... we get paid early.. no help is it...!! So I move it out of my account and then pay myself at the right time....


    Did a little more christmas shopping, will crack on with that next weekend... Wrote some christmas cards...! Have millions of stamps so will post those off this week...


    Started my Foodbank collection at work, let's hope my colleagues are generous otherwise it will be a pointless exercise..!!


    Think we have decided to have a little christmas at home this year so have written a food list and will start to buy things that don't go off...!!! OH will be contributing to christmas as it is his dd too.. plus food shop but I shall 'take' that nearer the time or it will get spent on 'life' in the interim...!!!


    Happy 1st december.. it is really cold here today and finally feels like winter and .. HSxmastree.gif is on its way...


    Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • I think the time off is the best bit about Christmas :-)
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • Hi I have finally finished your diary - congrats on all you have achieved and I love your Christmas cheer!

    Will subscribe and continue to benefit from your happy diary.

    Paid off all Catalogues 10.10.2014
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    I think the time off is the best bit about Christmas :-)


    I tend to agree MIT, love a few lay in's me..! cup of tea in bed with my kindle...!! even better when the OH is on nights...!!
    Hi I have finally finished your diary - congrats on all you have achieved and I love your Christmas cheer!

    Will subscribe and continue to benefit from your happy diary.

    Hi Brightspark87, What a lovely post, thank you and very well done on reading all my drivel...!! Hope to see more of you, I do love company!
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Middle of the week...


    Playing mum taxi tonight as dd's working, but have been invited to relatives who live nearby for dinner so that's lovely and I get to play with my nieces for a few hours.. :T


    Nothing very exciting to report.. OH rang last night to tell me he had 'left' his electric saw in the unlocked bit of his van the night before and it had been stolen.. what a wally...! So left to me to report it.. was tempted to accept the offer of counselling as a victim of crime...:rotfl: This is the third time he has had something stolen he hasn't locked up.. you'd think he would learn...!! Police seemed surprised we didn't have any cctv outside our house... excuse me I live in a nice area... well I thought I did...!!!


    OH will have to shift this bloomin treadmill out the lounge this weekend as I have no room to put my tree up.. :(.. I think I'll call him half a job.. as he started last week but didn't get far.. bit like sweeping up the leaves.. left them in a big pile where I park... pub was calling.. he is a devil...!!!!


    No money news, spent a bit more on christmas, finished writing christmas cards.. boring job.... and just need to post...


    Back later in the week...
    Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Puzz, he seems to be a little bit of a silly billy!! CCTV doesnt cost much - my dad got one last January in the sale at Maplins for c£40??

    Anyhow have a great day! x

    Paid off all Catalogues 10.10.2014
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Puzz, he seems to be a little bit of a silly billy!! CCTV doesnt cost much - my dad got one last January in the sale at Maplins for c£40??

    Anyhow have a great day! x



    Sounds like a bargain Brightspark! I don't live in a particularly high crime area and our belongings would probably be quite safe it it weren't for the silly billy leaving them unlocked...!!! Let's hope he's learnt his lesson this time...!!!


    Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Having spent the morning being in 2 places at once.. juggle.gif... I have had a bit of lazy afternoon.. :o


    Now... My dd is due to go out in 30 minutes.. she is currently walking round and round the block with her new friends2.gif... bless.. why can't they do this on days when we are not due to be somewhere...!! Last time she was due at work and gave herself 10 minutes between getting in and going out.. well tonight I need to get some charge on her phone as she's off to London and may need to contact someone...! wonder if there is any smooch.gif going on.. I'm sure she'll tell me later..:) So whilst she is off up town I am going out to do some work as OH is on nights and it seemed like a good idea at the time..!!


    At least tomorrow is friday.. woohoo1.gifand i'm hoping not to have to play chauffeur for anything...


    Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
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