Mission: freedom!

in Debt Free Diaries
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  • SarahwithloveSarahwithlove Forumite
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    Oh no that's rubbish good luck. Mine ended on Wednesday for normal lockdown to kick in Thursday 😭🙈
    *RBS credit card - £1930.50* - £0.00
    *Tesco Credit card - £3604.30* - £0.00
    *Finance - £581.91 - £0.00
    *Dad loan - £5300 - £4400
    *M+S Credit Card - £975
    Total debt *£5375* £11,416.71


    Emergency fund/Sinking Fund - £1500/£5000

    Mortgage Overpayment - £30.34/£1000
    Facing Reality - My Debt Free Diary
  • PonyloverPonylover Forumite
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    Thanks sarah.... hope you are enjoying your new partial freedom :smile:

    Yesterday I sat round and moped and felt sorry for myself. Totally wasted the day. Today I'm going to be far more productive. If I'm stuck inside I may as well make the most of it. So I am decluttering. I've taken some stuff up to the loft that we dont want to throw but dont use much, eg a tent that been dumped in the spare room since it was last used in summer and the halloween decorations that had been sat on the side last weekend.

    Sorted a few small bits for ebay/ charity shop. Feeling a lot more positive today!
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • SarahwithloveSarahwithlove Forumite
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    That's great news think it's best way to deal with situation. If you manage to make yourself productive and earn some money then even better. 
    *RBS credit card - £1930.50* - £0.00
    *Tesco Credit card - £3604.30* - £0.00
    *Finance - £581.91 - £0.00
    *Dad loan - £5300 - £4400
    *M+S Credit Card - £975
    Total debt *£5375* £11,416.71


    Emergency fund/Sinking Fund - £1500/£5000

    Mortgage Overpayment - £30.34/£1000
    Facing Reality - My Debt Free Diary
  • PonyloverPonylover Forumite
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    3 more days left of self isolation. No symptoms touch wood. Yay! 

    I have to admit I have found working from home really hard and cant wait to get back to the office next week. Real kudos to those that have been doing it since start of lock down.

    Actually excited just to have a walk around the block at the weekend. 

    I have set myself a little challenge to do 15k steps a day over the next 3 days as I am hoping that it will burn off some of my nervous energy (wonder how many laps of my house tiny garden that is?!). 

    At least it's been a good mse week...pretty much all NSD! Which is good as the account has taken a hammering earlier this.month purchasing half of the xmas presents 🎅🎅. 

    At least with shops being closed I should be able to resist buying 'little extra' top up xmas gifts when I see something a family member would like. 
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • edited 17 November 2020 at 2:25PM
    PonyloverPonylover Forumite
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    edited 17 November 2020 at 2:25PM
    Nothing new to really report here on what seems like day gazillion of lock down. 
    Think this month isnt going to be a great month in terms of saving/pay down due to a couple of broken appliances and abit of MSE resistance from DH. I am aiming to finish the month with £400 in our joint account.

    I sold couple of bits on ebay this week... 2 items. 1 I have had a message through from the buyer saying she has changed her mind and no longer wants it 🤬😡😡 (why bid then?!?!?!). 
    The other item has been paid for and posted out this morning. I has grossly underestimated the postage and so only made about a pound profit in the end. Grrrr.

    I'm feeling a bit down in the dumps. I love my job when I am at work but due to the stress that comes with it I often find myself spending my evenings and time aware from work anxious and thinking about it. It impacts so much on family time with my children. Still another 25 years or so until retirement age. 
    Am I wishing my life away? 
    But then that is my motivation for being here. To try to aid an early escape/ cushion. 

    Right... time to stop feeling sorry for myself. 
    Note to self...be more grateful for what I have!





    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • PonyloverPonylover Forumite
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    Sat my exam today that I've been revising for for ages. Not sure how it went but just relieved to be able to spend my evenings reading/relaxing instead of revising!

    Payday at midnight as as expected the bank balance doesnt look great, but then again we have used it for xmas present shopping instead of using the designated xmas shopping savings account. So although we have finished just over £100 in the black in reality it is more, as the xmas spending is nearly done and the pot can be saved/used for something else instead! 
    Starting to feel a tiny bit xmassy🎅🎅

    I've picked up an overtime shift as well this week so put that to good use when it is paid 👍


    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • luciellelucielle Forumite
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    When do you get the results?
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • PonyloverPonylover Forumite
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    Hopefully some time this week Lucielle 🤞🤞🤞.

    Just checked bank account and had a bit of a heart attack... DH and I have been a bit lax with our MSE ways on the run up to xmas...and it shows 😯😯😯.  However I am not really sure what the money has gone on.... the presents dont appear to have add up to the amount that's been spent. But I guess we have been frittering 'in the spirit of xmas' and also had a few takeaways over the last few weeks. That's typical of the downward spiral I guess.

    Right.... back on the band wagon!!!





    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • savingholmessavingholmes Forumite
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    Good luck getting back on track. You'll do it
    Target 1) Debt free April 22 Target 2) Lose weight & get fit (started) 3) Write regularly 41426/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF (at £2.2K June 22) 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 258 payments to go. Now £197487. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
  • edited 14 December 2020 at 11:07AM
    PonyloverPonylover Forumite
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    edited 14 December 2020 at 11:07AM
    Passed...wahoo! That's a big weight of my mind, and a bind off of my time 🥳🥳🥳

    After the last month or so of frivolous spending I have enforced a week of eating the surplus out of the cupboards and freezer instead of doing another food shop 'just because'. DH hasnt been overly impressed but never mind. I much prefer the cupboards looking less cluttered (and having the extra money in the bank!). DH wasnt able to give up his new weekly takeaway habit but we compromised....him and the kids had a kfc. I dont like KFC so I just made myself dinner from the stocks. £12 , although not ideal, was better than the normal £25 or so, and kept him onside. 

    Xmas shopping is pretty much complete.... I've just got to find the time to wrap them now. Can't actually believe that its less than 2 weeks to go. I'm so looking forward to seeing my parents, who I haven't seen in person for months 🎅🎅🎅🎅


    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




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