I want to be Debt and Mortgage Free by 35!

lorriedriver1988

Small mse things for today:

• Completed all surveys available
• Used bus ticket partially to get around
• Bought DH new hair clippers from b00ts for £1.59, hair clippers were originally £48, currently on special offer for £23.99. I then used a 10% off voucher which took £2.40 off the price taking it down to £21.59. I then used 2 vouchers from surveys, so I only paid £1.59. Plus DH got 200 points making it free theoretically.
• Boys bedding washed at 30 degrees and placed on airer.
• DH parked at MIL's and walked into town saving car parking fees
• Used brand match coupon in Mr S.

Not much today as spent money on lunch for DH and I, hang heads in shame :-(

lorriedriver1988

MSE things for today

• All meals from stores
• NSD
• All surveys completed
• Checked banking- looking very dire atm
• Checked ebay
• Used bus ticket to get home
• Received £10 voucher from surveys in post.
• Checked April's savings targets.

Not much today, must try harder.

lorriedriver1988

Update: 14/04/2015


April's Help to Buy Monthly Savings: £47.64/£280.05
B-Savings (baby) £8.10/£25.00
Loan Overpayment: £0 to £50
Savings for flooring: £190.72/£350.00
Savings for Garden Furniture: £10/£55


Update 23/04/2015


April's Help to Buy Monthly Savings: £101.62/£280.05
B-Savings (baby): £9.34/ £25 (£7.55 spent)
Loan Overpayment: £0/£50
Savings for floorings: £321.09/£350 (need to increase slightly. I'm short by £71.90 due to being more expensive.)
Savings for Garden Furniture: £9.95/£25


Need to push myself more.

lorriedriver1988

Things are a little tough financially at the moment. We are paying all necessary bills, but we only have about £184 for food and diesel this month. Plus DS's need new clothes, as does DH and DH needs new glasses. However, moping about isn't going to help us save any money:


MSE things:

• Completed all surveys available
• All meals from stores
• My mum bought lots of yummy treats down today, really appreciated this as I have only bought necessary food in shopping.
• My step dad painted extension today with my £1.99 paint. I bought 2 tins, he only used 1 tin to paint one room so don't need to buy any more paint for 2nd coat, yay.
• Bought some decorative wall stickers for extension from Am*zon for 0.78, used credit, so FREE
• Bought some shabby chic fairy lights for extension from Am*zon, used credit so FREE
• Bought over the door hook for coats from Am*zon for FREE
• Redeemed voucher from survey site for £10
• Received 32p from app trailers- transferred to b-savings
• Sold dining table- £30 towards flooring savings
• Sold bedside drawers- £2.91 transferred to flooring savings
• Sold a Molton Brown mini toiletries set I got for free for £5.50 after fees- will be transferred to H2B savings
• Sold DS clothing item that was a present- £3.50 before fees, will be transferred to B-savings.
• Had someone contact me about item for BINP.
• Bought 4 pairs of shorts and packet of muslin squares for £9.78 from Mr T. Was originally £14.XX but used 10% discount and £3 off code
• Used 10% discount and £3 off code to buy 1 pack of sleepsuits, 1 pack of vests and muslin squares. Only paid £7.58 instead of £11.75.

Night all,

lorriedriver1988

Evening everyone,


MSE things today:

• All meals from stores
• NSD
• Completed all surveys that were available
• All washing on @ 30 degrees, placed on airer to dry
• Filled out form for Maternity Allowance
• Received £3.00 from pc survey- transferred to H2B savings
• Received 31p from app trailers- transferred to B-savings
• Withdrew £5.02 from pp from selling item- transferred to H2B savings
• Received £4.63 from 123 account- transferred to H2B savings
• Sold another item on bay of e
• Transferred money from selling dining table- transferred to flooring savings
• Redeemed more points from app trailers
• Bought another pair of curtains for DS2 room, must return others from n*xt using gc- FREE
• Bought fancy door mat from N*xt using gc making it FREE
• Got bus home from work

That's it for today.

lorriedriver1988

Update 23/04/2015


April's Help to Buy Monthly Savings: £101.62/£280.05
B-Savings (baby): £9.34/ £25 (£7.55 spent)
Loan Overpayment: £0/£50
Savings for floorings: £321.09/£350 (need to increase slightly. I'm short by £71.90 due to being more expensive.)
Savings for Garden Furniture: £9.95/£25




Update 27/04/2015


April's Help to Buy Monthly Savings: £114.27/£280.05
B-Savings (baby): £9.97/ £25 (£7.55 spent)
Loan Overpayment: £0/£50 (still no increase here)
Savings for floorings: £334.00/£350 (need to increase slightly. I'm short by £58.99 due to being more expensive.)
Savings for Garden Furniture: £?/£25- have had to prioritise savings atm.


Need to keep pushing myself as much as possible.

lorriedriver1988

Evening everyone,


MSE things for today:

• All meals from stores
• Completed all surveys available
• Bought a reusable bottle from Wilko's to save money in weekly grocery budget on buying bottled water to take to work.
• Have had to buy a booster seat as high chair has seen better days. It was on offer at £14.99, used £10 voucher from survey and spent £4.99, but scraped pennies together and didn't put on cc.
• Used bus ticket to get around partially
• Returned girly curtains and picked up new curtains
• Checked cc
• Checked mobile phone allowance so I know I'm within limits.
• Received 32p from app trailers- transferred to B-savings
• Transferred money from PP to B-savings and H2B savings - £3.47 to each account.

That's it for today.

lorriedriver1988

Evening everyone,


MSE things for today:

• All meals from stores
• Washed bedding at 30 degrees and placed on airer
• Completed all surveys available
• Bit of a spendy day: DH spent around £5 in Mr Tand I spent £6.97 on cat collars and spot on. A necessity with our cats.
• Swapped all the curtains around including the ones I got from N*xt for free
• Ordered a light shade from Am*zon for DS2's bedroom, using AGC, saving £5.49
• Made up shopping list on H**ebase of things we need, depressing as can't afford any of it.
• New furniture is due to arrive any minute, very exciting.

Not much today, but off to enjoy an MSE evening with DH of watching a film and eating popcorn. Much cheaper than the cinema.

lorriedriver1988

Hi everyone,

I have had a couple of months away from the board as haven't had the time to post, haven't made really made progress with paying down the debt as income vs outgoings is very tight. In some ways you could say I've increased the debt by borrowing money off my mum to pay for the garden to be landscaped for £1500. This money will be paid back in the next few weeks from money I'm receiving.

What isn't helping with managing to pay any extra of the debts is our grocery shopping has rocketed, something that hopefully will change in the next few weeks.

However, my determination has only increased to pay off the debts sooner. I really want to start the journey to financial independence.

The good news is that my H2B savings are over the £1,000 mark. Also the mortgage hopefully should dip into the 7's. Very exciting.

lorriedriver1988

Evening everyone,

MSE things for today:

1) Received a huge tax rebate cheque today of £512- will be put into savings atm.
2) Completed all surveys available
3) Redeemed 600 points from App trailers
4) DH did food shop using staff discount and money off coupons- saving £17.
5) Washed clothes on 30c and placed on airer.
6) Checked for more money off coupons.

Thats it for now, thinking about short term and long term targets.