Mission: freedom!

in Debt Free Diaries
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  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    Making my lunch for work is actually something I'm very good at... I'd rather have some reheated pasta bake than a shop brought sandwich anyday! I do get cross at my other half because it's something that he isn't quite so good at but he is getting better.

    Lucille it was peanut butter cheesecake.... it was amazing!
    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
    9.2K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Would've preferred Baileys or a nice tangy lemon!
    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
    85 Posts
    10 Posts First Anniversary Name Dropper
    Not having a good week with big unexpected spends. The vacuum went up the shoot today..argh. it's been on the brink for a while so I guess it's not a total surprise.
    Might not have much left at the end of the month after all...

    I've done some research and decided on the one I want to replace it (currently at a promotional price). Only issue is I shall have to wait afew days for it to come into stock at my local argos. It is in stock at a branch 20 miles away. Old impulsive ponylover would have rushed around tonight and gone and picked it up from the further away shop, wasting time and petrol money. New MSE ponylover is going to wait til it gets delivered to local store on money (every little helps...)

    Now hopefully nothing else breaks this month.....
    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
    85 Posts
    10 Posts First Anniversary Name Dropper
    Ten days til payday and touch wood the account is looking ok despite the extra unexpected spends :touchwood:

    Quite afew NSDs (mostly as I don't seem to have had many days recently when I havnt been at work :neutral: )and I've managed to avoid my weakness (ebay). I'm slowly learning to enjoy a day at home as opposed to a day out and about.

    Just need spring to appear now. I hate dark evenings!
    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
    9.2K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Stay strong and enjoy the days at home.  My hoover died last year, I've always had Dyson but this time I went for a Shark.  It's so much lighter and does a better job.
    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
    85 Posts
    10 Posts First Anniversary Name Dropper
    Car insurance renewal came through yesterday. Price has jumped up on it. "That's ok, I shall just shop around" I thought. An evening on comparison sites and no I cant get it cheaper. Grrr. Thought insurance was meant to get cheaper as you age, not more expensive!
    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
    85 Posts
    10 Posts First Anniversary Name Dropper
    Its finally the weekend.... wahoo! 
    Got a rare day off with DH (we often work opposite shifts.. good for childcare, not so good for seeing each other). So we are going to go do the rounds visiting his family today. Last it should be a cheap day (and maybe we will get a free lunch out of it haha).

    My anxiety has been especially bad recently. I feel like I never stop thinking/ worrying about work. I've been toying with the decision to go back on to the medication. It works but I dont like being on it!
    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
    9.2K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Will the medication help you to get back onto an even Keel?  Could you just use it short term?
    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
  • edited 17 February 2020 at 4:17PM
    PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    edited 17 February 2020 at 4:17PM
    Thanks Lucille, I think I will. It makes me feel a bit of a failure that I need the tablets but I guess it's better than having that churning of anxiety in the background constantly.

    In other news I had a lovely days of annual leave with the kids today, but in a MSE way. I stead of an expensive day trip we popped into town to do a couple of errands. I treated the kids to some freshly made warm doughnuts (£2.50 for 6- bargain compared to the .real out air would have brought for us in the past) and then only brought what we went into town for...i wasnt even tempted by the random tat in poundland...go me! My eldest spent some money she had left over from xmas, she was pleased with her purchases. Then made the most of the sunshine and went and spent some time with the ponies .

    My youngest has her birthday coming up and wants an expensive party (quick tally is £230 all in). I've decided to be strict this year and told her if she wants the party that's her main present from her dad and I and she will only get something small as a present. To my surprise she was more than happy to accept the party as her main present (I guess she knows she will still get plenty from other family members and things). Plus she already has a room full of toys that shes not that bothered with. At least that's eased the cost a bit and maybe is a bit of a life lesson for her (and us to see that she isn't actually too bothered getting lots of material things).

    We are off on our hols in april (booked from savings prior to our current MSE kick- i dont think DH could be without a holiday to look forward to). I need to work on loosing a couple of pounds and getting  bikini ready!
    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
    85 Posts
    10 Posts First Anniversary Name Dropper
    It is the first payday eve of the new era. I am amazed to say that there is £466 left in our account!
    Have to say I havnt really minded the skrimping and cost cutting too much (although I guess maybe its first month resolution- the novelty may wear out in months to come).

    Now to decide what to do with the money... I think the bulk of it will go into the emergency account. I would like to get 4k in there really (2 months wages for either me or DH). Then once I have that I shall start properly overpaying.

    Main priority though is keeping it away from DH.  He seems to be desperate to splurge our 466 'extra' ....argh!!!
    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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