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Mrs PG's Hopes & Dreams for a debt free future !
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PinotGrigio41
Posts: 4,213 Forumite
Now seems as good a time as any to begin my new diary !
Trawling back in my old diary , I had made a mention of my Hope and Dreams for our future, so decided to steal the wording for my new diary. In the absence of a lovely witty , entertaining title this one will have to do.:o
So following on from Pinots Potty Debt Free Journey ( I am rubbish at posting links) which is now two years old :eek:, quite alot has changed.
We began with a debt mountain of £96K, in November 2011, we now sit in here in 2013 with half that amount. Sometimes I wonder how on earth we are still here to tell the tale, but we are. Largely I have to say it is due to the huge amount of support from my lovely Virtual Friends on here. If I name you all it will turn into one of those dreadfully awful tearful Oscar speeches, but I can honestly , truthfully, hand on heart say that the PG Family would not be where we are now without you all. You know who you are and you have been amazing, but I guess you all know that !!
Its been a tough two years, but somehow we have still managed some laughs and fun, mixed with lots and lots of tears and tough times.
So what do the next two years in store have for us then other than htting that last 50% of our debt? Probably more of the same, working our backsides off, trying to come up with as many ways to battle this Debt Mountain as we can , and hopefully keep smiling that manic grin that I plaster on for those really crappy days. We need to get DD1 through college,keep DD2 motivated and also try get some form of normality back into lives, this has been seriously lacking for many years. We need to begin to have a social life again, this has fallen by the wayside, we lost touch with many of our friends as working every weekend isnt great for your social life , nor did we have the money for grand expensive nights out. We need to change this somehow and start to include a few more fun things into our life. May people have commented how on earth Mr PG and I have managed to stay together given the hours we work, and the stress but we have and will. We aren't giving up this easily and let this damn Debt win and drag us down completely !
I lost my amazing dad , not long ago. I am glad that he never knew what a bloody great mess we were in, it would have broken his heart. He knew we had a few problems but never the full extent of it. That was and still is our Guilty Secret and that it shall remain. :oWe seem to have done a pretty good job at Keeping Up Appearances for the last 8 years that we have been struggling for, so I am sure we can continue with more of the same. His loss has made me all the more determined to crack this mess and live a happy less stressful life, for as we all know "Life Is What You Make It " So we will make it the absolute best we can for us and for our gorgeous girls.
So off we go to continue our bumpy Journey...............................it would be wonderful if you could join us !!
Mrs PG xxx
Trawling back in my old diary , I had made a mention of my Hope and Dreams for our future, so decided to steal the wording for my new diary. In the absence of a lovely witty , entertaining title this one will have to do.:o
So following on from Pinots Potty Debt Free Journey ( I am rubbish at posting links) which is now two years old :eek:, quite alot has changed.
We began with a debt mountain of £96K, in November 2011, we now sit in here in 2013 with half that amount. Sometimes I wonder how on earth we are still here to tell the tale, but we are. Largely I have to say it is due to the huge amount of support from my lovely Virtual Friends on here. If I name you all it will turn into one of those dreadfully awful tearful Oscar speeches, but I can honestly , truthfully, hand on heart say that the PG Family would not be where we are now without you all. You know who you are and you have been amazing, but I guess you all know that !!
Its been a tough two years, but somehow we have still managed some laughs and fun, mixed with lots and lots of tears and tough times.
So what do the next two years in store have for us then other than htting that last 50% of our debt? Probably more of the same, working our backsides off, trying to come up with as many ways to battle this Debt Mountain as we can , and hopefully keep smiling that manic grin that I plaster on for those really crappy days. We need to get DD1 through college,keep DD2 motivated and also try get some form of normality back into lives, this has been seriously lacking for many years. We need to begin to have a social life again, this has fallen by the wayside, we lost touch with many of our friends as working every weekend isnt great for your social life , nor did we have the money for grand expensive nights out. We need to change this somehow and start to include a few more fun things into our life. May people have commented how on earth Mr PG and I have managed to stay together given the hours we work, and the stress but we have and will. We aren't giving up this easily and let this damn Debt win and drag us down completely !
I lost my amazing dad , not long ago. I am glad that he never knew what a bloody great mess we were in, it would have broken his heart. He knew we had a few problems but never the full extent of it. That was and still is our Guilty Secret and that it shall remain. :oWe seem to have done a pretty good job at Keeping Up Appearances for the last 8 years that we have been struggling for, so I am sure we can continue with more of the same. His loss has made me all the more determined to crack this mess and live a happy less stressful life, for as we all know "Life Is What You Make It " So we will make it the absolute best we can for us and for our gorgeous girls.
So off we go to continue our bumpy Journey...............................it would be wonderful if you could join us !!
Mrs PG xxx
LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
Total Debts JUL 2020 £00.00
Cleared Jul 2020 £96796.75:T
Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
Total Debts JUL 2020 £00.00
Cleared Jul 2020 £96796.75:T
Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
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Comments
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'Ello darling....
you don't lose us that quickly!!
Joining you for the super shiny new diary..have subscribed MFiT-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 -
Hiya Mrs PG,
Like the Pied Piper, you will have a myriad of followers, all here to encourage, congratulate and cheer you on. You have done an amazing job in the last 2 years, as have Mr PG and your two lovely girls.
Looking forward to seeing you beat the debt over the head with a big stick! Also looking forward to further adventures of the Pinot household, with or without mankinis, squirrels, birds....
Sending you lots of hugs.NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!0 -
Hi Mrs PG, still lurking.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Yay, shiny new diary! Have subscribed and will be lurking!
Dolphin10 -
Still with you Mrs PG every step of the way! Happy new diary!Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
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** hanging onto Piqs shirt-tails ** ... Found you ! I love new beginnings and happy endings ... I feel sure this diary will have both ! Good Luck Mrs PG
Its just a bad day, Not a bad life .. :cool:0 -
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#subscribed. Cheering you on, sometimes from lurkdom, sometimes commenting, but always praying for the best outcome for the PG family. Well done on halving your debt in 2 years.
Satchmo xWhat would you get if all you got was what you were thankful for?0 -
*subscribed* you don't lose us that easily 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. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
Total- £1162.23
Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)
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I'm new here but quickly becoming addicted to the forums.
I loved reading your post today and felt for you when you spoke about your Dad, he might not have known about your debt but he would be very proud that you have halved it and will clear it all soon.
These forums are a wealth of information and I'm thinking of writing a diary myself, if one person learns something than it won't be in vain, as well as being cathartic for me!
I loom forward to reading yours x0
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