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  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Holy Moly we spent £200 on G+E in December!!! It has been blooming freezing, but this makes me realise more than anything that we deffo need a new boiler as soon as we can afford it.

    Plus we've all been off school/work since the 17th Dec so we have had it on all day every day

    I'm pleased we are in credit by a good amount lol
    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
    Just done my online asda shop for this thursday, had to add more items than I wanted to as I took out a delivery pass on the 11th December to avoid the huge delivery fees on Christmas week (the delivery pass was £5 for unlimited deliveries for a calendar month, our delivery on the 23rd was meant to be £5 for that one delivery so it was worthwhile in December) and the minimum spend was £40, it runs out on the 11th jan so I will be reverting back to £1 slots on a Thursday lunchtime as the minimum spend is only £25

    So my total for this week is £40.90 yay, if I haven't missed anything lol that means I have another £9.10 to pay off the debt, I don't think I've missed anything important :) we have lots of nappies and wipes and toiletries in etc

    This is my meal plan for the week, again runs from Thursday's

    Thurs - chicken enchiladas
    Fri - home made pizza
    Sat - sc lasagne
    Sun - chicken dinner
    Mon - fry up/bubble and squeak
    Tues - chicken and gravy sandwiches
    Wed - spag Bol

    Just about to run kids bath, get them their tea and then pack all the bags for tomorrow (everyone back to work/school/grandparents) 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
    Asda has just been this morning and delivered my shopping, came to a grand total of £40.89, so I have just overpaid the store card debt by £9.11 yay

    This is so addictive!!! And exciting!!!!
    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
    Found £4 I can overpay with :)

    I ordered some toms shoes with my Christmas money but had to return them as they were too small, I originally asked for store credit instead of refund to the bank, but the sale ends in two days and they haven't got my return yet (the warehouse is in the Netherlands) so I got onto the chat today to ask them to change it when they process my refund so the money goes back in my bank and not store credit so I can re order the right size today knowing the money is going back into my bank when they process my return

    So I looked at the sale and the ones I wanted/ordered have been reduced by a further £4 yay lol

    Going to do the school run then order the shoes, they said it shouldn't be long to process the refund as it's been seven days and it's usually done within ten
    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
    Just been to dorothy Perkins to take back a pair of pants that didn't fit right, refund of £16 on its way, ive ordered some pants from next for £10 so hopefully they will fit right, then that's another £6 I can use to overpay, fingers crossed for the pants from next to fit lol
    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
    Morning all, anyone got much planned?

    DS has swimming this morning which he is saying he doesn't want to go to, but does want a slushie (I get him one after swimming usually) hopefully he will like it when he's there, I don't really want to pull him out of it as I believe everyone should know how to swim.

    Other than that nothing much planned today

    Attempting a sausage meat lasagne for tea, ive gone right off mince and found a mary berry recipe with sausage meat, so will try that.

    I was having a think last night about how things are going, and although ive only just started to overpay debts I realised I should be proud of myself as since August last year ive planned a weekly food plan and ive stuck to it 100% we haven't strayed from it at all (except to switch a meal from one day to the next) and haven't had take away which would have been our default in the past when we were finished work and tired.

    Also trying to lose weight throughout this as well, well I say trying, I'm not doing a strict diet or anything, just cutting out rubbish, and doing the meal plan and shopping plan based off the meal plan is working :) since March last year ive lost 28 lbs :) im starting to feel good about myself again, went through my wardrobe last night and tried on some tops (that I had from before I was pregnant with DD) and I now have three more tops to wear as they fit again yay.

    Does anyone know how to work percentages out? I'm generally good at maths but not percentages lol, I'm wanting to do a percentage of debt paid off for my signature (it won't be able to be done till all my statements are in for feb) but I'm not sure how to do it

    Also the mortgage is a confusing one, was getting low thinking God we've not paid a lot off (it was £99k at the start and my statement from last jan said we owed 96k ish, I'm waiting for this years to come still, so only £3k ish paid off) but then I thought of it in terms of years and that made me feel better lol, we took out a 30 year one and this april we will have paid 6 years off it, which is 20% so for now I will focus on that instead of the monetary figure lol 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)
  • Hi there kindofagilr. I use this to do percentages of totals http://www.marshu.com/articles/calculate-percent-of-total.php


    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Ohh thanks I will take a look 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
    Just done my meter readings, think I've read the electric one wrong lol, I will do it again later when I'm more awake lol

    Nothing planned here today except washing, putting clothes away and doing homework with DS

    Have a good day everyone 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
    One plus to being stuck in the house on this cold, wet, miserable day is we've had a NSD today yay

    Just done homework with DS (he's 4) it was phonics homework and he has blown me away, just before Christmas he didn't know all the "sounds" so therefore couldn't read any words, yet now he read all the sounds, then I had to read three letter words to him and he had to say the sounds in the word, then he decided he wanted to read the words himself and he got 9 out of ten :) so proud of him, so I'm gonna hunt through his books for the stage one phonics ones (I guess they are the ones with three/four letter words in like the biff and kip stories) and see how much of one he can read to me at bedtime (I will still read him his bedtime story tho, he likes the stories which are aimed at much older kids, he likes the continuous storylines)

    Sorry that wasn't much to do with money saving I am just so proud of him :) 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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