Mumof3.12kindebt .. dfw again ! - 15 dec 2020

mumof3.12kindebt

Hello my beautiful diary friends. 

Well here we are again. Df wannabes for a second time. Because its a second time I know we can do it. We just need to refocus and change our mindset. 

Links to previous diaries (In order) 

https://forums.moneysavingexpert.com/discussion/5656806/if-i-make-a-start-then-there-has-to-be-an-end-right

https://forums.moneysavingexpert.com/discussion/5732681/best-put-on-my-big-girl-pants-my-saving-for-a-deposit-diary

https://forums.moneysavingexpert.com/discussion/6024830/mumof3-12kindebt-mortgage-free-by-40

Basically we got out of debt and saved up our deposit and got on the property ladder. With our only debt being our mortgage.  We completed and moved last June (2019). 
 
Then we got hit with some major house repairs. Which we didn't have enough in savings for so we took out a £12,000 loan. 
And then I was stupid and got some stuff on our catalogue.. and then I became ill and I've been on ssp since September. 

In 2 days time I return to work on reduced hours. But I hope to increase my hours as soon as possible.  

You might be wondering why I'm starting this diary today ... 

Well I decided now is better than ever to get going on our new way of life to become debt free. Live with less. And live a more frugal but meaningful life. 

So today we start our new low spend/no spend frugal life. 

I will post the rules we have set ourselves and our total debt (as of today) in the next post. 


I hope you enjoy my diary  

Love hugs positivity and prayers to you all. 

Let's make 2021 a better year than 2020 x

mumof3.12kindebt

Debt free target date 01/07/2023


Debt 15/12/2020 in order of preference to pay them off. 

very - £1939.00p (0% until 01/10/2021) PAID OFF 07/01/2021 
loan - £11,211.25p (2.9% interest)
housing association - £2041.09p (0% interest)
Total debt excluding mortgage 
£15,191.34

Loan 2 - £5000 (01/05/2021 13.6%) PAID OFF 02/09/2021

Total debt UPDATE 08/05/2021 
£17,255.00 

Total debt 14/08/2021 
£14,625.00p

Total debt 28/09/2021
Housing association £1591 
Credit card £237.85
Loan £9440 
Very £736 
Total £12,004.85p

Total debt 12/10/2021 
housing association £1541 
Credit card £0 
Loan £9100
Very £0 
Total £10,641

Total debt 31/12/2021 
housing association £1491 
Credit card £0 
Loan £8,500.00
Very £321
Total £10,262.00p

Total debt 12/03/2022
Housing association  £1341.09
Loan £8200 
Total £9,541.09

Total debt 18/05/2022
housing association £1041.09

Total debt 19/07/2022 
             £0.00
        Debt free !!!

mumof3.12kindebt

Goals start date 01/06/2021 

Make £15 a day challenge goal £3195 ☆ so far £1581 

Moneywhizz

Good to see you on debt free board. I have followed your diary on mortgage free board and was sorry to read about your health problems. You work so hard and deal with everything so positively. I wish you well in becoming debt free again. 

mumof3.12kindebt

Thank you so much @Moneywhizz x 

mumtoomany

Hi, good to see you here, not that I'm glad anyone needs to deal with debt, but glad you are trying to clear it. Do you have any growing space where you are? Now is a good time to plant garlic. You can use cloves from shop bought, needs very little space harvest it in summer. Won't save much but every little helps. Mumtoomany.

mumof3.12kindebt

Good morning my beautiful diary friends, 
I hope you are all well. 
I've done some surveys this morning so I have £5.41 in my PayPal from that. Bids on my fb sales are upto £12 at the moment. 
I'm not sure what I'm going to do regarding any extra money made throughout the next few months. There are obviously lots of options does anyone have any suggestions. I was going to put it in the bank towards our car fund /emergency fund. 

The people are here to carry on fitting the fire. Its a multi fuel. Does anyone make briquettes to burn on their fire. How safe are they. I also have read on other threads about people collecting wood and seasoning it. Do you just leave it too dry out for the year to season it if anyone has any other frugal suggestions they would be very welcome. We will obviously buy some logs too. Just wanted to see if we had other options.  

I will put our budget on the post I've made available for it higher up in the thread before the weekend. 

Today should be a no spend day. 

Have a good day everyone 
Love hugs positivity and prayers to you all x

mumof3.12kindebt

mumtoomany said:

Hi, good to see you here, not that I'm glad anyone needs to deal with debt, but glad you are trying to clear it. Do you have any growing space where you are? Now is a good time to plant garlic. You can use cloves from shop bought, needs very little space harvest it in summer. Won't save much but every little helps. Mumtoomany.

Hi @mumtoomany, 
We do have some growing space. Not a lot but I have always wondered what we can grow in winter. We have some  mini apple trees that should start producing in a few years time. And have strawberries and blueberries in the spring/ summer. But I never know what I can grow in winter. I'm definitely going to get some potatoes going. 

I'll give the garlic ago and let you know how I get on

mumof3.12kindebt

Good morning my beautiful diary friends. 
First day back at work yesterday and it went well. I'm not hugely tired this morning and managed to get a reasonable nights sleep. 

I'm going to ask my manager if I can do 3 shifts a week from the beginning of January. 

On the Money side yesterday was a no spend day yesterday. 
Also my bidding items finished on fb so they are being collected between now and the weekend. Any money from sales is going in a tin at the moment. And I'll update my page on here as I go. 

Going to blitz the house and watch a film today. Might take the kids for a walk tonight if we don't go for a walk we will play some card or board games 

Have a good day everyone. Ill update this post throughout today with any updates x
Love hugs and positivity to you all 

mumof3.12kindebt

Spends 16th Dec £16 food 🙄 this was my partner he popped to the garage to get a few bits ..

17th Dec no spend day 👍

mumof3.12kindebt

Quick update. 
4 items have been collected. Made £8 in sales.
£1.29 made in surveys this morning. Will transfer that too PayPal as I can withdraw straight away 
And a big one. I had a Christmas card off the big boss at work. Wirh a very unexpected £50 inside. I have added this too the "extra money made' as I wasn't expecting it. 

I'll update my post now on the front page