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Livin’ on fumes...

12467

Comments

  • Avogirly
    Avogirly Posts: 751 Forumite
    Part of the Furniture
    Hey avogirly how are you getting on with your target?

    I finally did a diary yay lol xx

    Hi there!

    Well done on doing a diary, I shall have a hunt for it and read through.

    I'm getting on ok thanks. It looks like I will be under 13k by the end of March, but April is going to be a slow month for me so I'm hoping that I will stay on the straight and narrow.

    All is good here and bump is getting bigger. I'm still resisting and squeezing into my normal clothes, although I have had to buy a few bits from matalan's maternity range just to tide me over. Hopefully I won't need to get anything else now.

    I'm finding things hard at the moment, debt busting is such a slow process and it is so difficult not to be tempted by the shops and their clever marketing campaigns!

    Must keep focused and if I do struggle I return to the first post in this diary and that keeps me going for a bit!
    October make £10/day currently £11.02
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Hugs Hun sorry to hear you are finding things hard at the moment

    But a massive well done on getting to your target for March, that is excellent work :) xxx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    How you doing hun xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • Avogirly
    Avogirly Posts: 751 Forumite
    Part of the Furniture
    Hi!

    I'm ok thanks. I always struggle at the end of the month as things get super tight. Once I have been paid I tend to get moving again and brighten up.

    I've started using You Need A Budget, just on the trial version. At first I struggled with it and to be honest I haven't attend any of the online tutorials. However I'm beginning to understand it now and I reckon over a few months it will become an invaluable tool. I may have to purchase the full version but I'll see how I get on during the month.

    How you doing.....? I'm just nipping over to your diary to catch up. x
    October make £10/day currently £11.02
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Yes the week before payday is usually a tight one isn't it :(

    You are doing fab Hun, you've paid soooo much off already!

    Ohh I will have to look at that, I think me and Oh need to do a spending diary tbh xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Hey hun, how are you??

    Are you feeling a bit better about it all now its the start of a new month xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • Avogirly
    Avogirly Posts: 751 Forumite
    Part of the Furniture
    Hi lovely. I'm fine thanks. Been spending loads of time rejigging my budgets, to make them a bit more user friendly and practical! This means that I will have to slow down a bit on the debt busting, but I am definitely in a better position having budgeted properly! How are you doing?
    October make £10/day currently £11.02
  • Avogirly
    Avogirly Posts: 751 Forumite
    Part of the Furniture
    So I have decided to empty the freezer this week....poor hubby is going to be subjected to quite a colourful variety of dinners!!!!

    Wish me luck!
    October make £10/day currently £11.02
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Avogirly wrote: »
    So I have decided to empty the freezer this week....poor hubby is going to be subjected to quite a colourful variety of dinners!!!!

    Wish me luck!

    Good Luck! I used to make my hubby 'salad drawer soup' (carrots, peppers, onion, maybe potato from the veg rack etc) and he loved it and what a great way to clean out the fridge.

    Go Avogirly :j
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Hey hun, well done on hitting 12% paid off thats fabulous :)

    How many week pregnant are you now xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
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