Working Hard Debt Diary - Here goes

WorkingHardDFW

OMG did I really last post back in November???? Time flies doesn't it.

I've not fallen off the DFW wagon or anything dramatic I think life just took priority. I couldn't have coped over the years without MSE and these forums but I guess as we near DF land (we're not there yet) the balance changed.

Whats happened in the WHDFW household, nothing really dramtic.

• Pre Xmas mania is school was survived
• Christmas was bought and paid for just - with a little overspending to be paid off this month from the mortgage overpayment
• Snow, ice and sub zero temps were survived with me even out runnng first thing in the morning (-8 I think was my records before I decided that ENOUGH :cool:
• Budgets have been reassesed for next year and actually feel quite comfy
• My ski trip is looming and some gear has been purchased (MSE way of course) and gear sold (ebay of course) to put into my ski fund. The fund is a little short at present but should be more or less there by next month. VV excited and I've promised to save each month for next years trip if I like it!
• Holiday booked for next year :eek: Budget increased lets hope we both have jobs by the time we get there
• Work OH OK, work me :( and . Major full on job hunting happening at the moment. No risk of redundancy I don't think but serious horrible times happening, very unpleasent
• DD's and DS's growing and stretching my clothes budget to the limit and beyond
• Operation Fat A is well underway helped by an online sub to WW's :cool:. Running, walking, swimming all done liberally with 5lbs (sounds feeble when written down) lost in 2 weeks. Half my wardrobe is in a charity bag and the other half on ebay. The last few years have been years of debt clearnance this year is the year of me :T:):T. Thats not running up debts of course, been there, done that got the T shirt. Its just enjoying my life, my kids, my OH.
• Lots of decorating was done before Xmas which also absorbed time, energy and money. Main bedroom including new bed :D, our bathroom and DD's room. Everything seemed to cost a fortune. All done for a while now as I tell OH we've got no money left.
• Mortgage rate reduced to NW's SBR whilst interest rates remain low. Watchcing brief on it to switch when rates start to rise.

All in all positive stuff but quite dull which is probably why I've not been posting too much.

Note to self to post a little more often and of course catch up with all you guys.

A very belated HNY to all MSEers :T:T

beanielou

Great to hear from you.

hypno06

Good to hear from you! Sorry that work is not great for you - but hurrah for 2011 being a year for you xxx

WorkingHardDFW

Sold quite a bit of spare wardrobe on ebay which has brought in a suprising £80. Very helpful and needed. I got a £50 donation from my Mum towards a new pair of walking boots - my existing ones got a lot of laughs on holiday in October. My DD described them as 80's throw backs and I did explain that they are 80's boots which I bought for a school geography trip in the late 80's. Cheek 80's throwbacks, aka vintage !!!!! Anyway I started trawling sites looking for a cheap pair of boots when I realised OH has an less vintage pair in the back of his car which fit me. So £50 into the ski fund and said boots removed from car.

We got a water bill this week, annual statement, which put our DD from £35 to £65 :eek:. Well you can imagine my reaction. When I phoned to get an explanation they stated it was a mistake and that it should remain unchanged, even when I gave them a meter reading.

We got our annual mortgage statement this week which showed we'd paid £4k off extra. Well chuffed with that and we're now well under the £100k mark which is good.

I am so looking forward to pay day this week its been such a long week. My spending diary spreadsheet has gone into resus mode as there are so many outstanding items on it. We're not making a mortgage overpayment this month so that we can clear the excess from Xmas and the last bit of decorating bits.

I'm just organising my half term trips etc using Mr T vouchers as usual. Although I need to buy a new railcard but I think I had my monies worth from the last one.

Half a stone lost on Operation FA :j just another 2st to go

Getting close to my ski trip now......getting excited and scared all at once

beanielou

All sounding good
Im back at fat club too.
First weigh in tomorrow :eek:

hypno06

All sounding good WHDFW!

And good luck for tomorrow beanie x

WorkingHardDFW

:)Good luck for the first weigh in BL. Which system/plan are you using?

I hope things are OK with you H. I've sort of been keeping up with your thread, although I get the feeling its kinda positive for you

beanielou

Thanks for positive vibes on weight.
Ive gone back to Scottish Slimmers.
Got to target 2/3 years ago & have put it all back on.Ooops.
Anyway it is affectimg my mobility which isent great anyway so I need to do something about it now & Ive got jeans to get into

WorkingHardDFW

Let us know how you get on :j

Compingirl

Hi WH, how you getting on? Have you been skiing yet??? well??? are you a convert? sos for the over use of ???? lol cgx