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Going, going...still going!

edited 29 November 2019 at 8:03PM in Debt Free Diaries
961 replies 69.8K views
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  • mark55manmark55man Forumite
    5.9K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    wow - busy + your DFD was last November, so a full year in the black - well done
    I think I saw you in an ice-cream parlour/Drinking milk shakes cold & long/Smiling & waving & looking so fine
    Weight 17/01/2021:95.5kg - YTD: -1kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Steps >5000: 2/300
    Debt 01/01/2021:-£107.5K - YTD (17/01): [email protected]%:{PDBX21 #26} £550/£12299 - {MFW21 #57} OP Pot: £2.7K/£102K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 (Repaid YTD): £1.8K
  • You're too generous to me, Mark! The laptop is on the CC - I could pay it off any time, in full (first time ever in my life) but as it's 0%, and I want to keep my options open for the EF if I need to get out of this job, or move flat, then it's going to sit there for a while longer. So not a full year in the black, and I'm not really any better off (bar having a better EF) but hey, it's ok.  

    Had a super-stressful day on Friday - I think I'm just out of any extra resilience, I just seem to be more easily overwhelmed than others. However, it was a really busy week, and I think it was just the last straw that broke me. Going to do a few admin tasks this afternoon, so I'm in a better position for tomorrow when the treadmill starts all over again! My biggest fantasy is having a year off, makes me almost jealous of people on maternity leave (apart from the children part, that's not my jam :lol: ). 

    PD has disgraced herself by upsetting an entire batch-cooked pot of marinara sauce I made yesterday :neutral: The kitchen floor is never going to be the same colour ever again, but it could have been worse! There's no harm done, I'm sure it wasn't that tasty anyway. It has meant that I've needed to change my plans for dinner today - it may have to be cabbage pasta, she will stay far away from that :lol: 
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0 Debt at Dec 2020: £900 (for now)
    A perpetual work in progress.
  • mark55manmark55man Forumite
    5.9K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    Having a flexible friend you can pay off counts as being in the black by my standards :smile:  

    Sorry to hear about the sauce - we had an olive oil stain that lasted for nearly a decade.  all adds to the character of the place
    I think I saw you in an ice-cream parlour/Drinking milk shakes cold & long/Smiling & waving & looking so fine
    Weight 17/01/2021:95.5kg - YTD: -1kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Steps >5000: 2/300
    Debt 01/01/2021:-£107.5K - YTD (17/01): [email protected]%:{PDBX21 #26} £550/£12299 - {MFW21 #57} OP Pot: £2.7K/£102K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 (Repaid YTD): £1.8K
  • edited 29 November 2020 at 3:36PM
    BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    701 posts
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    edited 29 November 2020 at 3:36PM
    Another week gone - where is the time going?!

    It was pay-day on Friday, and now I've got my budget all settled for the coming month. I've bought one (1) Christmas present, and don't really intend on buying too many more, it has to be said! I do have to buy some cards to send to older relatives - I have the day off tomorrow for St. Andy's day, so will pop out and buy some then. I'm going to take advantage of emails not pinging tomorrow and do some work as well. I know it's a bad habit - I always seem to end up in job positions where I'm constantly chasing my tail. Someone once told me that busy hands will always be busy, but I'd like to take it easy once in a while! 
    In better news, the kitchen floor is less orange now - Elbow Grease did a cracking job on it, so whilst there is still some staining in places, it's an awful lot better than it was. PD was forgiven a long time ago ;) - I've barely seen her today, she must be asleep somewhere, just not in her usual places. I'd like to join her, but still to do today is meal plan for the coming week, so I better get that done.  I need to check what's in the freezer too. I'd really like a coffee too, but I've just realised the time, and don't think that's too wise - so decaf it is ;) 

    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0 Debt at Dec 2020: £900 (for now)
    A perpetual work in progress.
  • I really shouldn't 'just check emails' on a day off - 4 hours later, I've finally freed myself, with a groaning to-do list for tomorrow :lol:  Still, I got a good chunk done, and feel better about tomorrow. PD has helped by gently snoring whilst draped across my lap (in constant danger of falling off). If you can imagine the world's smallest tiger skin rug, with head and front paws over my left thigh, and tail and rear paws over my right, you will have a good idea how her day has gone ;) 
    Budget all on track - didn't venture out today so NSD. Will go and buy cards another time.  
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0 Debt at Dec 2020: £900 (for now)
    A perpetual work in progress.
  • DrawingalineDrawingaline Forumite
    2K posts
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    I am quite jealous of your one present buying! I think I spent about £600 just today 😱 downside of a big family, upside is it won't be ever be too quiet. Although a chilled out day with the cats sounds bliss right now 😂
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 
    Mortgage offer 7th September! 😁
    All enquiries answered and ready to exchange 6 Nov 2020
    Buyer pulled out 7 Nov 2020
    New offer accepted 10 Nov 2020
    Back on the rollercoaster, hope to exchange and complete Jan 2021!
    Exchanged 20th Jan 2021.
    Completion set for 27th January 2021 🎉🎉
  • BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    701 posts
    500 Posts Second Anniversary Name Dropper Photogenic
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    We don't tend to buy for people who are 16+ in our family, which makes it cheaper! My brother's kids are getting a board game as a joint present - they are obsessed with them, so it's getting harder to find one they don't have and one that will keep them occupied! Bro had a suggestion though, so all good. A couple of other small presents planned but not purchased - I'm not expecting anything in return, but there are a few people who always get a small something. PD is not included in that list - she's spoilt enough as it is :lol: 
    Fat lot of good my day yesterday did - I'm still only just finishing work now. I swear that such a short period of time off really does not make up for the days before and after a day off! 

    Budget all on track - not been out today, but need to go out now, as our postie put someone else's mail through my door (right flat number but wrong street). Most unlike them, they are normally really good, but it's only a street away, so not a hassle really.  
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0 Debt at Dec 2020: £900 (for now)
    A perpetual work in progress.
  • mark55manmark55man Forumite
    5.9K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    boardgamegeek.co.uk has a good selection of board games and usually have a link to second hand purchases.  there are a few classics and many interesting + there is also boardgamearena.com where you can a LOT of games online for free or £20 a year if you want some extra capability. Most games canbe played against internet randoms with no real problems
    I think I saw you in an ice-cream parlour/Drinking milk shakes cold & long/Smiling & waving & looking so fine
    Weight 17/01/2021:95.5kg - YTD: -1kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Steps >5000: 2/300
    Debt 01/01/2021:-£107.5K - YTD (17/01): [email protected]%:{PDBX21 #26} £550/£12299 - {MFW21 #57} OP Pot: £2.7K/£102K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 (Repaid YTD): £1.8K
  • DrawingalineDrawingaline Forumite
    2K posts
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    Externally I only really buy for my neices (3 of them) my mum dad and brother and mil and fil. My sister and me buy for each others birthdays and don't do Xmas. I used to buy for my best friends kids but she has four and I have four so decided not to a few years back.

    Having four kids adds up though! Esp the teens now, I am glad my wierd one never wants anything expensive means I have more money spare for the big two. I have never been the kind of person who has to spend the same per child. If the wierd one wants a plush that costs £20 (although another £20/30 in shipping) then that is what he will get. And tbf he has been desperate for it since June. 

    Our pd (or food stealers 🙄) have a toy each but they are still kittens and first Xmas, not sure it will be repeated.
    Dad 6k
    Offer on house and chain complete 21st July 2020
    Solicitors instructed 23rd July 2020
    Mortgage application 28th July 2020
    Mortgage valuation booked 12th August 
    Mortgage offer 7th September! 😁
    All enquiries answered and ready to exchange 6 Nov 2020
    Buyer pulled out 7 Nov 2020
    New offer accepted 10 Nov 2020
    Back on the rollercoaster, hope to exchange and complete Jan 2021!
    Exchanged 20th Jan 2021.
    Completion set for 27th January 2021 🎉🎉
  • BlackCoffeeNoSugarBlackCoffeeNoSugar Forumite
    701 posts
    500 Posts Second Anniversary Name Dropper Photogenic
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    Thanks Mark, that’s really helpful! 
    DAL, I think the kittens are definitely deserving of a toy at Christmas - PD did in her kitten days, many moons ago :wink:  Can definitely understand the large family thing too, you sound like you have a very sensible approach! Don’t envy you shopping for so many - I’m a reluctant present buyer and worse present wrapper :lol: (as much I try to get better!)
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Debt at Nov 2019: £0 Debt at Dec 2020: £900 (for now)
    A perpetual work in progress.
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