Mission: freedom!

in Debt Free Diaries
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  • seahorseyseahorsey Forumite
    203 Posts
    ✭✭
    I’ve got two pampered shetlands. It really has been a tough winter. Would much prefer the freezing cold! This mud makes everything 10x more difficult! We’ve had a family of ducks move onto the fields as the puddles now resemble small lakes!
  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    Seahorsey you're right about that... I'm desperate to see some grass growing in the field. At the moment I just have mud. Roll on the spring to remind us why we do ponies!
    I have a Welsh section a (easy to keep and lives off fresh air) and a tb ex racer who eats for England but still manages to look underweight :-(

    Money wise I've had a good few days of NSD (mostly due to being at work) I've been taking my food in (although today is my fourth day of chilli- must buy some freezer bags so I can mix things up a bit).

    Was a bit cross with DH for spending £8 on his lunch at work afew days ago while I'm constantly eating chilli but I guess this is more my mission then his.

    My mum has taken the kids out for the day today as I worked a night shift last night. I cant sleep and the house feels weirdly quiet without the kids. I should be tidying at least but I'm struggling to find to motivation. Think I shall go watch some trashy TV instead (least I'm not spending!)
    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
    Oh and I have just made my first overpayment - £25 to the tesco loan. Not much but it made me feel happy doing it (and seeing the £1.20 interest rebate made me even happier, could be addictive!).
    Will see how much I have left over at the end of the month to do some more
    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
    Well in the end I went for a walk around the village...I couldn't resist getting out in the sunshine. I hate winter and love for the sunshine of spring and summer. It certainly made me feel better.

    I then had a tidy of my toiletry cupboard... I have realised that I am inundated with samples and minis. Whenever I go to a hotel or in fact anywhere offering samples I always take some 'just incase'they come in useful for swimming or an overnight stay. However as I hate swimming and dont tend to do mini breaks I am over run. Same goes for tea bags, coffee sachets etc. I am not going to buy any more of these items until I've used up the samples. My cupboards will be so decluttered by it too!:beer:
    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




  • db2016db2016 Forumite
    339 Posts
    Fifth Anniversary 100 Posts Name Dropper
    ✭✭
    a thorough SOA as found on lemonfool would help people look over and offer more areas for improvement, this is the std new advice given to any new diaries. :) good luck and subb'ed
  • luciellelucielle Forumite
    9.3K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Instead of seeing how much you've got left at the end of the month (it usually gets spent) try putting x amount to one side and not use it. Then when you get to the end of the month make an overpayment.
    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
    Lucille that's a really good idea. I think I shall try it next month.
    I took out an amex cashback credit card last year thinking I was being clever and money savvy. I pay it back in full every month and over the year in have learnt 300 cash back on it BUT it makes it so much harder to budget having the two accounts. I'm looking forward to closing it down on the anniversary date at the end of next month.

    Bad week for me... both DH and my cars were due mots this week (bad timing that they fall on the same month) Both failed. Luckily not catastrophically but the work has still cost £500 between the two cars. Mine had some advisories but they will just have to wait to be repaired.

    On the plus side I dont think l have brought a single fritter spend this week. I was soooooo tempted to buy a pokemon themed headcollar for the kids pony yesterday but I resisted. :patonthebackemoji:
    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
    Actually I lied above. Just remembered I brought a cheesecake on the way home from work last night. Popped into shop to pick up some tablets for daughter but got tempted by the yummy puddings. I definitely should not go into shops hungry. One to put in the fritter diary. It was yummy though.
    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
    9.3K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Have to confess, do love a cheesecake mmmmmm
    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
  • EchoBEchoB Forumite
    124 Posts
    100 Posts First Anniversary Name Dropper
    Fellow fritterer here! I do find having leftovers for lunch stops me from going into shops where I get tempted to spend!!! Have subscribed.
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