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This is it *ping* lightbulb!!!

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Comments

  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    I have some things ending on ebay today, Ive updated my signature, just waiting for Aprils statement for store card (which will be ready on tuesday I think) then I will have my total for end of march, some of the cards are a smidge over their limit still, but they should be ok once April payments have gone out I think.

    We are concentrating on hammering down CC10 as thats the one with the highest interest.

    Cant seem to shake my low mood :(
    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
    Grr annoyed, just checked on our music magpie order and theyve taken £5 off the quote cos they claim a Rohan jacket wasnt in the box, load of tosh!! I know for a fact it was in there!!!!
    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 made £9.84 on ebay, I have some more things ending tommorrow, fingers crossed for them, it's free listing this weekend, so OH is going to list some more things I think.

    Still need to write up my training notes on the computer, hoping OH is gonna take the kids to the allotment tommorrow then I can finish my notes off, I need them for Monday morning.
    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)
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi

    Can you complain to MM re the jacket?

    Maybe in future photo the box before you seal it? We never had a problem with MM but maybe it's always best to be on the safe side

    Well done on the EBay sales..still haven't gotten around to listing mine:(

    Must do better..:o

    Have a good day
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    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::T
  • daisystar
    daisystar Posts: 346 Forumite
    100 Posts
    Hi there!!:wave:

    Your diary caught my eye as we have an identical starting debt of £44k :eek: as well as also having two little children :) 4.5 years sound very realistic - and you've already started to make inroads so I reckon you're doing marvellously :D

    I've subscribed and will be here to cheer you on - we can do this!! :j

    Daisy x
    Debt Oct '13 - [STRIKE]£44,076[/STRIKE] £41,578 5.7% cleared
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    I've complained to MM and they've asked for my order number and the parcel codes, so need to find the codes from the safe place OH has put them lol, I've never had trouble with them in the past tbh

    Thank you u have a few more things ending tonight so I'm hoping for more money lol

    Hi daisystar it's eye watering isn't it lol, we currently don't pay the loan back (in laws paid it off for us and we pay them £250 back a month but when we had DD they let us take a year off

    In June our mortgage rate drops from 6.29% to 2.% above base rate so if it stays the same it will go down to 2.5% I'm so excited about that lol

    Once that goes down we will start paying the loan back as well, I'm so excited to make an overpayment this month, as soon as 30th April hits whatever is left in our bank which should be over £100 is going off CC10

    I hope everyone is having a good day 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 made £17.38 on ebay yay :)

    The [STRIKE]cherubs[/STRIKE] stink faces aren't asleep yet, DD went straight to sleep at 6, but she woke up at seven crying and isn't back to sleep yet, DS isn't asleep yet which is unusual cos he's usually in bed asleep by six, I think they are both too hot, need to find thinner quilts from somewhere 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 checked the ebay for things OH listed last night, and one of his things has a bid of £50 on woo-hoo Im loving all the effort we are putting into selling things

    I am serisouly considering buying a edible ink printer and selling cake toppers, have you seen how much money they all make!!!! Its like £80 a day! at least £40 of that is pure profit, the printers are between £120-£200 so I dont think it would take a long time to make your money back?

    I am going to think about it a bit more, and research it.
    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
    Doing well on our goals:

    My aims for April:

    1. Stick to our £200 shopping budget (or less) we are on target for this
    2. Stick to our £200 petrol budget (or less) we are on target for this
    3. Have 10 no spend days havent kept track which is silly, so need to
    4. Overpay CC by £20
    5. List ten things on amazon/ebay - Have done this and more :)
    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)
  • daisystar
    daisystar Posts: 346 Forumite
    100 Posts

    Hi daisystar it's eye watering isn't it lol, we currently don't pay the loan back (in laws paid it off for us and we pay them £250 back a month but when we had DD they let us take a year off

    In June our mortgage rate drops from 6.29% to 2.% above base rate so if it stays the same it will go down to 2.5% I'm so excited about that lol

    Once that goes down we will start paying the loan back as well, I'm so excited to make an overpayment this month, as soon as 30th April hits whatever is left in our bank which should be over £100 is going off CC10

    I hope everyone is having a good day xx

    Eye watering indeed :eek: Great news about the mortgage though :)
    Debt Oct '13 - [STRIKE]£44,076[/STRIKE] £41,578 5.7% cleared
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