I want to be Debt and Mortgage Free by 35!

Haljordan2814

lorriedriver1988 wrote: »

That's amazing Bodle1984. It just proves a little effort can bring huge rewards. Well done to you. You have inspired me to see if I can reduce my outgoings now

Don't be afraid to say you'll cancel or actually initiate a transfer (remember you have a 14 day cool off period with many things now). It's in their best interests to keep you as a customer at the end of the day. I need to tackle my energy supplier next - Co-Operative Energy (absolutely terrible customer service!), trying to get out of my contract without paying exit fees then switching to a better deal with cashback.

lorriedriver1988

lorriedriver1988 wrote: »

Targets for December

* H2B savings increase from £125.50 to £300.00
* Cot Mattress needed= £0/£25.00
* Emergency Fund increase from £98.51 to £120.00
* Car Maintenance increase from £83.84 to £110.00
* Pay £400 off Fluid credit card.

Wish me luck!

Morning everyone,

I am able to update totals after receiving some funds yesterday.

H2B savings are now £208.45/£300.00= £91.55 left to find before 15th December

Cot Mattress fund is now £8.44/£25.00

MSE things for 29/11/2015

* went to B00ts to do xmas shopping and bought three presents. Original total £32.00. Presents were 3 for 2, used 2 £10 vouchers from surveys, so only £2.00 for three presents. Additionally used 200 points bonus points coupon and double points coupon. So technically free.

* bought Jeans for £7.99 in N-L00k using gift card.

* did buy lunch out but went to M&S and spent £3.17 on two cakes, a big bag of crisps and a packet of sausage rolls. Fed me, DH and DS1

* completed all surveys.

* clothes washed at 30 degrees and placed on airers to dry.

* DH drove economically to get the best MPG.

* bought a real 5ft xmas from homebase with 25% off. Originally £15, paid £11.25. Also received triple nectar points. Paid from xmas fund


MSE things for yesterday:

*received £2.53 from TCB, £2 to H2B loan savings and 53p to cot mattress savings

* received £5.90 interest from nationwide- transferred to H2B loan savings

* sorted money off coupons ready for shopping today.

* returned Christmas present to Arg0s and exchanged for an earring and necklace set that was on already on special offer but got extra £10 off plus received just over £8 refund on to gift card.

* completed all surveys

* clothes washed at 30 degrees and placed on airers.

* walked to and from work.

* reserved half price Xmas lights at Arg0s will use giftcards to pay, but hoping we can find decorations that are missing.

Will come back later with today's update

lorriedriver1988

Hello everyone:santa2:

Today's MSE list:

*walked to work
* completed all surveys
* used money off coupons for shopping= total shopping came to £50.26 for the week which included christmas things
* found decorations in garage so didn't need to buy new decorations.
* opened the new nationwide 5% regular saver. Very happy with this as plan to close my 123 account.
* reserved half price toy at toys R u$ for DS1 and DS2. Will pay using £5 off £30 voucher and vouchers from surveys.
* refrained from ordering DVD for Xmas Eve stocking presents as from my spreadsheet it looks like I will have less then £37 left for xmas shopping _pale_ could be very interesting. But I refuse to increase it:A I want to order but am feeling guilty.
* washed 2 loads at 30 degrees and placed on airers.

Night all.

lorriedriver1988

Previous totals.

H2B savings are now £208.45/£300.00= £91.55 left to find before 15th December

Cot Mattress fund is now £8.44/£25.00


Morning everyone,

I have had some funds paid into my account today so I have been able to update totals- £14.87 £co, 2 x hali £5 rewards, £12.60 from survey site and £11.17 t$b interest= £43.64.

I have transferred the odd 0.64p to the cot mattres fund.

Cot Mattress fund new total £9.08/£25.00[/B]

I then transferred the £43.00 to the H2B loan savings account.

H2B Loan savings December target: £256.45/£300.00. Left to find before December 15th- £43.55.

In order to make the £43.55 I hope to sell some items on the bay of e. I am also waiting for a cheque to clear and have £12 atm sitting in current account that might be used towards purchasing a deal on a hair cut. Fingers crossed some more money turns up

Have a good day all.

lorriedriver1988

Evening everyone.

I have had a very testing day, which has also meant spending lots of money . DH took son to nursery only to find when he returned to the car he had a flat tyre. The tyre has been replaced costing £69. Luckily, I was able to take money out of the car maintenance pot. Also, my 6 monthly water bill arrived today and my monthly dd is going up by £6. :mad: I also had to take unpaid leave as DS3 needed to see doctor today.

MSE things today:

* completed all surveys
* walked to and from doctors
* all meals from stores
* paid £100 off fluid cc- will update total when payment clears
* redeemed £9 paypal from PC surveys
* sold one item on bay of e
* one item on bay of e has bid.
* relisted items on bay of e.
* clothes washed at 30 degrees and placed on airers.

That's it for today, hopefully my mood will improve soon.

lorriedriver1988

Evening everyone

lorriedriver1988 wrote: »

.00 @ 0% until October 2016
[/STRIKE]


Car Loan: [STRIKE]£5,911.74[/STRIKE] NOW: £5,151.74
Lloyds CC: £860.00 @ 0%
Fluid CC: £2444
[STRIKE]Furniture: BNPL: £738.75@ 0% clear by February 2016 (this is the debt I aim to clear next week)
[/STRIKE] paid off in full 20/11/2015
Sofa: £900= 0% over 3 years, but will gone asa

Total Debt: Originally[STRIKE]£10,854.49 [/STRIKE] Now: £9355.74[/COLOR

Fluid CC Was: £2444.40 Now £2344.00- £100 paid off

lorriedriver1988 wrote: »

Previous totals.

H2B savings are now £208.45/£300.00= £91.55 left to find before 15th December

Cot Mattress fund is now £8.44/£25.00.

New Totals


H2B Loan Savings £282.47/£300.00= £17.53 left to find 15th

Cot Mattress Savings £9.84/£25.00

I will keep forging ahead.

lorriedriver1988

Hello everyone,

I have been MIA the last few days. I have to admit I have feeling a little bit disheartened with life. My 3 children have been poorly with colds, especially DS2 who suffers asthma like symptons and DS3 with conjunctivitus. I also feel down because I never seem to able to make any big leaps in paying off debt or mortgage. I get so frustrated because of my low income. I suppose I just need to keep going.

I have joined the M-Fit T3 Challenge over on the MFW board in the hope this will inspire me more to kick all debt and most of the mortgage into touch.

I will be back later.

TTFN.

lorriedriver1988

Hi everyone,

MSE things for today:

* completed all surveys
* walked to work
* received £1.40 from TCB- £1 transferred to H2B loan savings and 40p to cot mattress savings
* redeemed £10 voucher from cp
* redeemed £5 from sb
* washed all clothes at 30 degrees and placed on airers.
* read Martin's emails
* relisted an item on bay of e
* listed a new item on bay of e



[QUOTE=lorriedriver1988;69677782
New Totals


H2B Loan Savings £282.47/£300.00= £17.53 left to find 15th

Cot Mattress Savings £9.84/£25.00

I will keep forging ahead.[/QUOTE]

New totals

H2B Loan Savings £283.47/£300.00 =£16.53 left to find by 15th Dec

Cot Mattress Savings: £10.24/£25.00

I'm off now. Night all x.

abba1772

lorriedriver1988 wrote: »

Hello everyone,

I have been MIA the last few days. I have to admit I have feeling a little bit disheartened with life. My 3 children have been poorly with colds, especially DS2 who suffers asthma like symptons and DS3 with conjunctivitus. I also feel down because I never seem to able to make any big leaps in paying off debt or mortgage. I get so frustrated because of my low income. I suppose I just need to keep going.

I have joined the M-Fit T3 Challenge over on the MFW board in the hope this will inspire me more to kick all debt and most of the mortgage into touch.

I will be back later.

TTFN.

I think you're doing a great job, you've had your lightbulb moment and your tackling your debts head on as well as saving for items you need..........that's a big step :T

Try not to give yourself a hard time we all have slumps in how we feel when we tackle our debt I know I do xx

lorriedriver1988

abba1772 wrote: »

I think you're doing a great job, you've had your lightbulb moment and your tackling your debts head on as well as saving for items you need..........that's a big step :T

Try not to give yourself a hard time we all have slumps in how we feel when we tackle our debt I know I do xx

Thank you abba1772, that has really lifted my spirits.

MSE things today.

* completed most surveys...need to try harder
* redeemed £3 pp from pinecone
* meals from stores
* walked to and from work
* sold 2 items on bay of e
* DH spent £44 in Al on weekly shop.

Night all.