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

thegentleway

mumof3.12kindebt said:

Debt free target date 01/07/2022
Debt 15/12/2020 in order of preference to pay them off. 
very - £1939.00p (0% until 01/10/2021) 
loan - £11,211.25p (2.9% interest)
housing association - £2041.09p (0% interest)
Total debt excluding mortgage 
£15,191.34

Does the loan have early repayment charges? It not it's normally best to pay off the highest interest debt first.

mumof3.12kindebt

thegentleway said:

mumof3.12kindebt said:

Debt free target date 01/07/2022
Debt 15/12/2020 in order of preference to pay them off. 
very - £1939.00p (0% until 01/10/2021) 
loan - £11,211.25p (2.9% interest)
housing association - £2041.09p (0% interest)
Total debt excluding mortgage 
£15,191.34

Does the loan have early repayment charges? It not it's normally best to pay off the highest interest debt first.

Yeah I understand, no erc on loan but my catalogue will charge at 39.9% if not paid off before the buy now pay later period ends. Hence why I want to clear the catalogue first 

TheCheerleader

Hi lovely Mumof3, I usually read your MF diary and am so pleased see you posting again and sounding so upbeat, your positivity really shines through your posts! 

I’ve come out of lurkdom to ask if you have an Icyland near you? as not sure if you know, but you can use PayPal to pay for online deliveries from them, and delivery is free for over £35, hope this is of use to you. 

Wishing you the the best of health, wealth and happiness for 2021, get vaping you can do it! X

mumof3.12kindebt

TheCheerleader said:

Hi lovely Mumof3, I usually read your MF diary and am so pleased see you posting again and sounding so upbeat, your positivity really shines through your posts! 

I’ve come out of lurkdom to ask if you have an Icyland near you? as not sure if you know, but you can use PayPal to pay for online deliveries from them, and delivery is free for over £35, hope this is of use to you. 

Wishing you the the best of health, wealth and happiness for 2021, get vaping you can do it! X

Aww thank-you so much. we use to be able to get Iceland delivered where we use to live. But we are a bit in the sticks where we are. We live in a rural town in mid Wales. I have just checked again and they sill don't currently deliver which is unfortunate. I use to do all my shopping at Iceland when ds1 was a baby.  

Yes I definitely need to get on the vape. While I was in hospital in sept I didn't smoke the whole time I was in hospital and tbh I should of just carried on when I got home but old habits are hard to kick aren't they ? . I will do it though I am absolutely determined that this year will be the year I say bye to the cigs for good. I have definitely cut down I think the issue is I have to pace myself more at the moment so when I take a break from doing something my routine is make a cuppa and sit outside listening to the radio and having a cig .... need to change the routine.. when out I don't tend to smoke. Unless its a date night , since our first date 5 years ago every date ill go to the shop at the end of the night and walking back to the car we spark up and that's it that's just always what we have done. Again its routine isn't it.? Otherwise I don't smoke when out unless I'm with other smokers and then ill have one on a more social able front. I would really love to adopt in the future and my partner would like to , too . Its something we have talked about since we first got together even before we had dd. And quitting smoking will definitely help our application. 

On the selling front another 4 items removed from the house and £6 in the tin (will update post now). I'm getting there slowly. 

For anyone wondering I am trying to adapt a more minimalist lifestyle. There are definitely alot of areas I can remove things from my life. 

Also, after loosing my nan in October made me realise I don't want to get old and have regret. So I have decided after about 11 years of no contact with my mum I'm giving one last attempt to try and build a healthy relationship with her. The last time I saw her where we planned to see each other ds1 was 6 months old. He's 12 years old next month. Our relationship has been strained since I was about 14/15 years old. (Im now 28) in the end I moved out at 15 when I was pregnant  with ds1 and moved in with ds1s dad and grandparents. I don't think I am strong enough for more hurt and heartbreak. But I know I am strong enough to get through it if that happened. I have no bad feelings towards her. I forgave her years ago, I had to got my own sanity so I could move on with my life. I just hope I have made the right choice. What's done is done time to try and build a new bridge and start a fresh. 

Also, for those that have followed me from the beginning when dd was only 10/12 weeks old. She turns 4 in March 2021 ! I can't belive its been nearly 4 years that I have wrote about.my little life. 

Anyway I hope you are all well. And life is bing good to you. I hope to hear from my mum soon after sending her my phone number to contact me if she feels she would like too.🤞

Its weird to think I haven't had my own mother present throughout my motherhood or my adulthood so far in my life and I am now 28. I am proud of myself though. I haven't always got it right but I've always tried my best and I've always gave love and kindness to all those around me. Giving support and love i didn't have. 
Love hugs positivity and prayers to you all. I really hope this coming year will be so much better for everyone 🙏 ❤ 

mumof3.12kindebt

Good afternoon my beautiful diary friends..

2 items sold.. £4.60 made..

One item being collected (listed for free) so that's a total of 3 items this morning. 

I'm in alot of pain today so will pace myself getting things done then I'm going to start reading one of my books. I also have lots of ebooks on my library app that I would like to read. I definitely want to start limiting the amount of TV I watch. 

Me and oh have talked for a while about getting a freesat box or freeview . But we already have all the bbc itv channel 4 and channel 5 apps so does anyone know what we will actually gain from a freesat box (our ariel is pants so we were going to use the satalight dish that was fitted by the previous people..

Thanks everyone 


Eta no spend day today !

Dinner is in the oven. I've used up the last of some stuff in the freezer to lessen the amount of half opened boxes and bags. We have a freezer that is just 2 big drawers when we open  stuff it goes into the top drawer. My fridge/freezer is over ten years old now. I never replace appliances until they break and are unfixable or will cost more to fix than to replace. 

House is looking better slowly. I'll be having a huge clear out in the new year. 

Tomorrow's project is the Garden. 

mumof3.12kindebt

I just wanted to send love hugs and prayers to everyone after tonight's news announcements..

We are in Wales and in lockdown as of midnight. We were planning to spend Christmas on our own so plans won't be effected but I am feeling very upset about it all for others and also for the fact that although we have adjusted our lives accordingly this certainly isn't over. 


Love hugs and prayers to you all 

mumof3.12kindebt

Hello my beautiful diary friends, 

Okay so I think I have worked out how much we will have left to pay for our fire installation. 
And we have paid for the plastering in dd room. 
So next year we will need to pay for 

Roof repair 
Carpet and paint for dd room 

Everything else can wait until the debt is paid off.
I have transferred what was left of the loan money to savings. 
So our savings as of today are £8500 I'm hoping this will cover a new car and the bill for some damage on our car when the lease ends. 
We will save up for the roof, carpet and paint  separately. 
So we go into the new year ready to start paying off this debt. And I'm hoping my manager will approve my request for my new hours. 
I have done a zero based budget for 2021. 

mumof3.12kindebt

2021 budget 

	budgeted amount
DD account
loan	159.53
union income benifit	14.92
home insurance	22.46
mortgage	451.16
bg services	2.5
water	54.13
electric and water	114.02
council tax	151
union	9.49
national trust membership	11.15
giff gaff me	10
fortis debt	50
amazon prime	7.99
giff gaff ds1	6
insurance for me	28
Car	200
total	1292.35
Spends account
food	300
tobbaco	120
petrol	140
total	560
Savings tins
holiday	0
sinking funds	100
emergancy fund / car fund	100
kids pocket money	30
christmas	50
total	280
non dd bills
very catalogue	520
help to save	50
total	570
overall total	2702.35
income	2704.15

mumof3.12kindebt

Explaining some of our budget 
Sinking funds - unexpected birthdays, school uniform, clothes basically any extra spends outside of our budget that are unexpected but 'needed' 

National trust. We haven't used this, this year due to covid and I was going to cancel it but we hope to use it again alot on 2021 and due to this being such a tough year for so many I wanted to continue to contribute towards them as in years previous they have gave us lots of lovely days out and memories. 
As we are still quite young once the debt is paid off I plan to buy a lifetime family pass 

- giffgaff I want to try and reduce this too £6 a month but I seem to run out of data before the month is up. I will try harder .. 

- tobbaco , both me and my partner are still smoking. I hope to finally kick this habit in 2021. 

Petrol - our current car drinks the fuel. I'm hoping my next car will be better 🙏  so I can reduce this 

Food - at the moment we struggle to get our food shop below £60-£80 a week. The 300 is too allow for 5 week months.

Because we are trying to be more resourceful, spend less, limit the amount we send to land fill and live with less or just enough within our comfort  (minamilist) we shouldn't touch the sinking funds to much. And what we don't spend will either go to debt or towards the car fund. 

In the new year I will be withdrawing the money for food , petrol and tobacco and sinking funds Any money left over will roll over to the next week/month when it gets to £100 extra it will be put back into the bank and used as an extra debt payment. I won't include sinking funds in this. What is left from sinking funds at the end of the year will go towards an extra debt payment. 

Very catalogue budget.
Once very is paid off, this money will then go to the loan each month. 

Help to save. I want to try and continue with this as I get £25 for every £50 I pay in. 

Amazon prime. Although we won't be using the delivery service so much in 2021 we do use all of the other services it offers. So we will be keeping this 

Pocket money for the kids was something I started this year. It stops them asking for stuff if they want something more than their £10 a month they know they have to save for it. 

Emergancy fund / car i will keep paying this until aug when our car goes back to try and top up the savings abit more. Once we know the cost we will need to pay we will re-evaluate the savings etc. 

When the car goes back £240 will be saved in a separate account and that will be used to cover insurance tax mot repairs and fund the next car. Again if it gets to a silly amount it will be used towards debt 

mumof3.12kindebt

Eta.. my pay in January might be less than in the above budget due to reduced hours. The budget above is based on my new requested hours but my manager hasn't confirmed this yet.