On a Mission
Comments
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Morning Mummy bear,
You've done really well with your September goals.
Well done to being organised with Christmas.
Hope DS and DD get better soon x0 -
Another bout of silence from me.
This is due to both kiddies getting sick again. After DS got better from the last sickness he went back to school on the Monday of last week. By Thursday I got a call from school to say he'd been sick in class and that there is a bug going around...no kidding. And he's been unwell since. But it's weird. He's sick, then ok for almost 24hr then he's sick again. Last night was the worst though. He was sick in bed. Then DD vomited on me. So we showered. Then DS was sick on the landing. No sleep for me since 2am.
Another day off work, it's really affecting me now and I feel so selfish thinking like this. DH has booked tomorrow off in case the saga continues so that I can catch up with work.
I've been to school and collected DS homework. He's completed it already bless him. I worry that he's going to fall behind at school. He's literally been off more than been in since term started.
So my day so far has been spent washing towels and bedding at an uneconomical 90oC but this bug has to go. I've had the steam mop/cleaner out and cleaned all hard surfaces. The end must be in sight surely. I can not catch this. I've got a weekend of overtime lined up (again thinking selfishly )
DH gets paid tomorrow so will be able to update figures. Will most likely PAD later as I've saved money on parking at work today!
MBMy LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:£40773.61 /£46444.23 87.8% paid0 -
Sounds awful, hope they're both better soon and that you don't catch it.Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).0
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Well I checked the BC account and the new statement was in. So my usual £65 payment was made. I then made a further a £4.60 which what I saved on parking.
I then got my post to find a letter with a cheque for £8.89 enclosed. Turns out in 2005 I paid for a parcel insurance premium with ACE catalogue. I have no recollection of this. It would appear that it was the once for £3.
Anyway they've took it upon themselves to refund me with interest hence the £8.89 amount. So that's come right off the BC
Totals as of 26th September
Lloyds CC £1343.20
MBNA CC £4035
Barclaycard CC £2393.38£78.49 paid off
Tesco Loan £9799.84
Santander Loan £6373.43
TV -DH purchase £634.9
M&S Loan £7910.64
Bicycle finance £112.5
Total Debt as of 10th September - £33453.8
Total Debt as of 11th September - £33387.8
Total debt as of 13th September -£33369.99
Total Debt as of 13th September (b) -£33366.89
Total Debt as of 14th September -£33365.38
Total Debt as of 15th September -£32887.09
Total Debt as of 16th September -£32787.09
Total Debt as of 19th September - £32686.21
Total debt as of 23rd September - £32680.47
Total debt as of 26th September - £32601.98
Total cleared since 1st September - £1499.71 :T
Emergency Fund total - £515/£1000
September goals
1) To pay a total of £1500 off debt
£1499.71/£1500
2) To get £300 in the EF
£515/£300:T:j
3) To list 10 items on Ebay
10/10
4) To earn £30 from surveys - only payable to count
£37.94/£30 :j:j
Well after updating those figures I will definitely be PADing later to get over the £1500 mark!
MBMy LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:£40773.61 /£46444.23 87.8% paid0 -
Just nipping in to say I've paid another £3.38 off the BC. Served two purposes
1) To get the BC total rounded off
2) To get me over the £1500 payment target for September.
I'll do a proper list update tomorrow or Thursday.
MBMy LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:£40773.61 /£46444.23 87.8% paid0 -
Hi Mummy _bear!
OMG! You are doing brilliantly, so inspirational! I have subscribed to your diary. My DFD is similar to yours. Fortunately for me all my debt is down to me & DH is pretty good with money.Total: Debt July '17 -£23,806.33 - now
-£16,910 (£6896 or 28.9% paid)0 -
missmental123 wrote: »Hi Mummy _bear!
OMG! You are doing brilliantly, so inspirational! I have subscribed to your diary. My DFD is similar to yours. Fortunately for me all my debt is down to me & DH is pretty good with money.
Thanks Missmental for your support and subscription. Been following your journey too and you've done so well yourself.My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:£40773.61 /£46444.23 87.8% paid0 -
Morning,
Slightly belated update. I'm exhausted. DS is better :j:j DD still not 100% but getting there. Have today off work then I'll be in for 6 days in a row until next Friday.
DH has been paid. So a few more debts have been reduced. He hadn't managed much overtime due to sick and leave but next month's pay should be really good for him.
Totals as of 29th September
Lloyds CC £1293 £50.20 paid off
MBNA CC £4035
Barclaycard CC £2384£9.38 paid off
Tesco Loan £9799.84
Santander Loan £6373.43
TV -DH purchase £569 £65 paid off
M&S Loan £7755.52 £155.12 paid
Bicycle finance £112.5
Total Debt as of 10th September - £33453.8
Total Debt as of 11th September - £33387.8
Total debt as of 13th September -£33369.99
Total Debt as of 13th September (b) -£33366.89
Total Debt as of 14th September -£33365.38
Total Debt as of 15th September -£32887.09
Total Debt as of 16th September -£32787.09
Total Debt as of 19th September - £32686.21
Total debt as of 23rd September - £32680.47
Total debt as of 26th September - £32601.98
Total debt as of 29th September - £32322.28
Total cleared since 1st September - £1779.41 :T
Emergency Fund total - £515/£1000
September goals
1) To pay a total of £1500 off debt
£1779.41/£1500 :T:j
2) To get £300 in the EF
£515/£300:T:j
3) To list 10 items on Ebay
10/10
4) To earn £30 from surveys - only payable to count
£37.94/£30 :j:j
I will probably do my month round up later and set some goals for October. I won't get a chance tomorrow.
MBMy LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:£40773.61 /£46444.23 87.8% paid0 -
You have done so well on all your targets. Congratulations.Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23180 -
Hi Mummy_bear, just read all 10 pages of your diary and wanted to say I think you are doing a fantastic job of attacking your debts.
Your diary is inspirationalWhen you get to the end of your rope, tie a knot and hang on0
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