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

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  • That is such a lovely thing to do, I am a mama and know your grandma will be so very pleased with them and to know you are thinking of her x
  • Total debt 12/10/2021 
    housing association £1541 
    Credit card £0 
    Loan £9100
    Very £0 
    Total £10,641

    Feels like we are finally getting somewhere regards paying off the debt, can't wait to be below £10k 

    Hope everyone is well. Hugs and love to all of you and thank you for your on going support 
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • £21.26 spent at Mr t on food for kids Lunchboxes 

    Nothing else spent 

    New week for us today so need to sort cash out in purse 
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • Hello my beautiful diary friends, 
    I hope you are all well. 

    Managed to get school Jumpers for ds1 second hand. I've been looking on the school shop for ages. I posted on fb sales groups and he now has 2 so that's okay. And I paid half the price than in the shops 😀

    Work is really stressful. And my mental health isn't good at all at the moment. So I really don't Need the extra stress at work. People forget that even though people smile they could be broken inside. And to be kind. I haven't felt like I do now for a very long time, I'm talking years. I'm speaking to the gp again next week. 😭

    Money wise we are on track this month as we had money left over last week that I used for the Jumpers.

    Hope everyone is well hugs to all of you that need and want one. If anyone is a prayer 🙏  please say a prayer and send some strength my way 

    All my love mumof3 
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • mumtoomany
    mumtoomany Posts: 1,543 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sorry to hear you're down at the moment. Take some time for yourself, you are important. Stop stressing about the debt while you are ill, it's only money.i hope you've got some real life friends you can talk to too. Take care of yourself, mumtoomany.xxx
    Frugal Living Challenge 2025.


  • sending you a great big hug x
  • Thank both. It really is appreciated.

    Trying to keep myself busy. Slowly tidying the house. 
    I have work tomorrow 😩 but it's my last shift for a week as I've took half a week annual leave but my manager has done my shifts so I'm not back in until next weekend. 🙃  

    The only real friends I have are 3 from work. Due to abuse in my previous relationship, friendships broke down over the years I was with him, he wouldn't let me speak or meet up with anyone.  Over the last 6 years I've just kind of enjoyed my own company and spending time with my family my kids and my partner (new partner not the abusive one). But I guess I've now got to a point where I am lonely. And I've been trying to make a conscious effort to try and create friendships with others. I just lack confidence. 😔  I don't even know if I still know how to make friends. 😭 it's actually really sad. I thought loneliness happened when you get old but it really can happen to anyone. I've tried to join groups for my age group but the ones I've got in touch with I can't do for the next few weeks due to work. That said I am going to make a conscious effort to go when I can, and I'm going to get in touch with my local church and go regularly. I use to go after I left my ex where we use to live but I've never had the courage to go since we have moved. And I miss it. 😢  when the hard times hit, I've always found strength in my faith. I just need to do it, once I've gone once I'll be okay, the first step is always the hardest. 
    I'm rambling now. 

    Money wise we are under budget this week . 😀
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • Good afternoon my beautiful diary friends, 

    Back to work tomorrow. I'm feeling a bit better than I was. I'm not sure if it's because I've been on my higher dose of medication for over a month now or if its because I've had time off work. Only time will tell. 

    Money wise we have been doing okay. We have stuck to the budget even though its been half term, so that's great. 

    I haven't got as much as I wanted to get done off my to do list this week.  But non of it majorly urgent. 

    By the end of next week I'd like to 

    ⭐ get as much as possible crossed off my to do list 
    ⭐ List 5 items a day onto f@cebook or eb@y 
    ⭐ keep on top of daily jobs 


    Keeping things as simple as possible for now 
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • Morning all hope you are all okay. 

    Today I need to get the house back on top of, now I'm not feeling as low as I was I figured I'm better to do it now while I feel okay just incase j slip back down again. I'm sure I will feel much better once it's done. It won't be finished today and I've accepted that but I can make a good start. 

    I also want to make some biscuits and cupcakes for the kids. As a nice treat and for their Lunchboxes it will also save me a few ££ instead of buying them. 

    Best crack on. 

    Have a nice day all 
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    edited 4 November 2021 at 10:37AM
    New month new goals. 

    November 

    ❤ no spend November - I've ordered paint for dds room (already put the money aside for this) - essential spends only - we will do food shops but will only buy what we need. - we are not allowed to spend money on any extras 

    ❤ make £30 a day extra - this is mostly made up of overtime and selling stuff that we no longer need love or use. 

    ❤ clean and organise every single room and area of the house 

    These are my only goals for November trying to keep things as simple as possible . I will also set one daily goal or job to do 

    Each day I will set one goal / job to complete in November 

    3rd - Today was biscuits ✅
    4th - diploma application finish ✅ and send 
    5th - pick up prescription 
    6th - take cardboard to recycling 
    7th - pick up new glasses 
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    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
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