📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

Options
1568101150

Comments

  • I've decided to only count unbudgeted spends as a spend day so since we have started this diary we have had 0 spend days ill update my post on first page to reflect this 

    No extra money made today. Need to work harder on this! 
    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 morning my beautiful diary friends 
    I have made a payment of £77.16p to very this morning. 


    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 5 January 2021 at 7:33AM
    Good morning my beautiful dairy friends.
    Rise and shine :smile:
    It's 5.30am and I'm wide awake :smile:
    Anyway. Today will be another no spend day. I'm going to try and attempt to make some bread again. But I hate wasting oven space so I'll make 2 loaves one for today and one for tomorrow. I have all the ingredients In the cupboard. I'm going to do some surveys and get a few things done round the house that won't make too much noise while the others are asleep. I'll report back later with any updates 

    Update... its now an hour later. I've cashed out 72p from qmee. I'm still waiting for my £5 payment to go into my PayPal account from prolific last week. 
    I'll try the surveys again throughout the day as there is nothing left available on there  now. 

    Going to make a cuppa take my tablets and wash up. Ill then start working through my list for today. 
    Have a lovely day everyone 
    Love hugs positivity and prayers to you 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
  • Afternoon you lovely lot ! Hope you are all okay. Quick update since This morning.  Got a few jobs crossed off my list. 
    Did some surveys and earnt 72p 
    My prolific payment has also gone into my PayPal. 

    Our mortgage overpayment total is at an odd number. 

    So I'm going to use £3.38 of the money in PayPal to send to the mortgage. 
    And send £3.18 to very.

    I need to list 15 items for sale as I've been aiming for 5 a day and I've been slacking the last few days so I'll do that next 
    I've also sorted out and charged my vape. I hope I'll be able to have a day one day this month where I'll wake up and be all... today is the day.  (See a previous post on why I don't set a day to do it) 
    Hoping to get some more surveys done today. I couple of items I listed earlier in the week have sold. They end tonight or tomorrow 🤔 I'll have to check. 

    OK so off to do a money shuffle. 💰

    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
  • Evening everyone 
    Did the money shuffle. 
    Made some bread which was a success.  Emptied the car just need to clean it now. I've realised I didn't include our car payment on the budget 😅 I thought I was missing something. I'll update that now. 

    Will be doing a food shop tomorrow night instead of Thursday i think as I have my cervical smear On Thursday morning and last Time I ended up feeling quite sore for a few days after. 
    ^^^ that's your reminder ladies if you are due or over due get it booked :blush:

    Anyway off to read my library ebook. Have a nice evening everyone 
    Love hugs positivity and prayers to you 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
  • Good evening all 
    Spends today 
    £46.16p between tesco and aldi for this weeks food shop 
    £24.85p bacci filters etc 
    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


  • Very catalogue paid off !! 
    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 7 January 2021 at 2:09PM
    Good morning my beautiful diary friends, 

    This morning I paid off the very catalogue. Its such a relief to see it gone ! 

    Today I'm going to
    ☆ list at least 30 items for sale. 
    ☆ do surveys (at least 5)
    ☆ go to doctors appointment ✅
    ☆ drop off SIL present ✅
    ☆ post letters 

    ☆ go for a walk 
    ☆ skip run 
    ☆ do dailies (household jobs) 
    ☆ carpet wash ds2 room 
    ☆ put clean laundry away 

    Have a good day everyone 
    Love hugs positivity and prayers to you 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
  • Good morning my beautiful friends.
    Hope you are okay. 
    Today I am only going myself 3 subjects to focus on.
    ☆ surveys/selling stuff 
    ☆ housework 
    ☆ side hustle project (I want this ready to set up by the end of the month) it's something that costs me my time but not money. But something I am also keeping quite for now. I'm just putting it here for accountability 

    Yesterday was a no spend day. Today should be too. I need to pick up an item from the uniform exchange but this is a free local community project and I have some items to donate so I'm really exchanging lol 

    Have a good day everyone.
    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
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done on clearing your catalogue! You’ve been busy. Intrigued by the sound of your side hustle - good luck with it!
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.