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This is it *ping* lightbulb!!!
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I am struggling with hayfever too...haven't stopped sneezing and a totally blocked, sniffley nose...drives me nuts!
Managed the 8 minute run ok!! If i think about it too much I won't do it! x#4 DFBXMAS24 - £2,322.85/£5,000
NSD Challenge - Jan 15/12, Feb 3/12, Mar 10/10 Apr 10/12, May 5/12.
SPC #44
Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar0 -
It's rubbish isn't it! Thankfully the liquid medicine from the dr is working!!! I have only been having to take half a dose in the morning and I've hardly sneezed at all since i've started taking it
Well done on the run, I can't wait to start but am scared at the same time lol I used to love running, so I am hoping once I actually start doing it I will love it and want to keep doing it xxDebt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (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)0 -
Hi Kindofagilr,
I've been reading your diary over the past few nights. You have done incredibly well. I love your positivity!
Me and my OH are in a similar level of debt and are knuckling down to try and clear this.
I'm hopeful that after Christmas when our credit report shows the debt going down each month, that we will be offered a BT card and be able to move some debt around to 0%.
I've joined Opinion outpost since reading your dairy and have £5.90 already!! going to keep that aside for Christmas. I love the idea you have to pay the remaining weekly shopping budget of the debt. I'm going to start that on Sunday when my shop is delivered.
What is Shop and Scan?
Hope your having a lovely summer hol with the kids.
Ash xx0 -
Hi Ash
Thanks for reading my diary
It's great that you guys have a plan of action in placeyou will see it all come down soon, and it will be fabulous when you can get the debt onto 0% that has really helped us (I am still amazed that we have managed to get it all on 0%!)
Well done on your £5.90, that will start adding up as well
Shop and scan is invite only, I think you can apply to it then they invite you when they have spots, they send you a barcode clicker and when you do your grocery shopping once you are home you scan all the barcodes from your shopping and transmit them to shop and scan via the internet and they give you points 1100 for transmitting and 500 if you supply a photo of your receipt, so in 7/8 weeks you have enough points for £10
I am having a lovely summer holiday thanks, sadly back to work for me this morning thoit all goes too fast lol xx
Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (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)0 -
Morning all
What is everyone up to?
OH has been away since wed morning, he is due back late tonight, he went down to Newark with his dad to sell at an antiques fair, I can't wait till he is back, I've not been sleeping well since he's been gone, I am not used to being in the bed on my own
Forgot to post on Saturday that DS got his next level certificate and badge from swimmingI am blown away, in 5 weeks he has got two certificates and badges!! He is doing awesome!!!
I've got asda coming today instead of tomorrow, there won't be anything to overpay even tho the shopping is coming under as we've spent a little bit too much this month so am trying to claw back the extra spends
Other than that need to do a little tidy and a hoover, the kids are currently chilling on their kindles
Have a good day all xxDebt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (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)0 -
So pumped for 2017!!! Just been changing my spreadsheet for 2017 as our mortgage rate has gone down
It's gonna be exciting next year!!! should see the debt coming down even faster next year! I can't wait!! xxDebt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (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)0 -
Morning all,
How is everyone doing?
Non working day for me today, can't believe the schools are back in two weeks! It's insane how fast the summer holidays have gone!!!
Been to the drs this morning with DD, she had her preschool jabspoor dear cried her eyes out, it was horrible, she seems to be over it now though which is good
Not much else going on other than housework, dying for payday lol, my friend is coming up from leeds with her OH and kids, and we will be out and about 2 weeks on saturday, going out for a meal etc, so I won't know how much I have to overpay from payday till after that, but I am itching to get going again, other than that we have nothing planned between now and christmas, so should be able to nail the debt a bit (if nothing else pops up that is, OH was saying he wants the car looked at cos its veering to the left, hopefully that won't cost too much)
Have a good day all xxDebt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (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)0 -
Afternoon all,
I hope everyone has had a good day.
Not much going on here, A@DA has been, swimming lesson wasn't on this week as DS instructor was having a day off, I need to ring them in the week and see if there is anyway I can change his lesson next saturday to earlier in the day or even the sunday as my friends are up from Leeds and we will be out all day, I am hoping they can change it otherwise it's £17.50 wasted eek
I am making home made kebab for tea for me and OH tonight, I love it so much, I love kebab's from take aways but my body doesn't like them anymore lol, discovered a recipe to make them myself and they are so delicious and taste exactly like the take away ones, just without all the grease, so will be having that with actifry chips and pitta
I'm also super excited as I was looking at the school terms for the 16/17 school year and noticed the kids have a teacher training day on the monday after may half term, I went onto centre parcs website and found that that weekend is "only" £529, spoke to OH and he was all for it, so he is going to check with his boss on tuesday that its ok for him to have the time off next june and then I will be booking it, I am so excited, we've been twice before, once when DS was 2 and I was pregnant, then again when DS was 4 and DD was 1, DS has been asking to go back for years, but now he is in school we were restricted to school hols and that costs £800 and upwards normally, so I was chuffed with this price, I won't be telling the kids we are going though till nearer the time of they will do my head in lol
Have a good day all xxDebt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (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)0 -
Afternoon all
I've booked Centre Parcs woooooooo hoooooo I am so excited!!!! only 9 months to go lol, need to save up spending money now, and for the activities, which if we do everything I have looked into doing will be £150. Got plenty of time to save up spends tho
Nothing much else happening here at the min
How is everyone getting on xxDebt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (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)0 -
Hi koag,
Glad to see how well you're doing! Also brilliant news about centreparcs...that'll be a nice incentive to keep focused and save up the spends over the year so you can have a lovely timexx
Debt remaining:
Mortgage - £117,759 (£134,600, Nov 2013)
Work overpayment and home improvement loan paid back (£19200) :beer:
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