This is it *ping* lightbulb!!!
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PS getting OH properly I mean PROPERLY on board so you are acting as a team is critical too. You are right to make him watch everything like a hawk, like you now are
I know this as it was part of the reason why the light bulb flickering happened for me and I'd like to save you from that
:rotfl: MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Thanks hun
OH is thankfully on board getting three boucning letters has terrfiied him so thats good lol
OH was paid on friday, so I have paid two of the three that have bounced, we rang the third one and they said they will retake the DD on the 5th ish so that one is waiting to come out still
Have spent £16.88 of our £50 shopping budget so far (we started april on wed) we need to go to aldi for nappies and some bits of food to last us till wed but I am confident we will come in under the £50 budget which is great.
Praying for an ebay war on our items tomorrow night lol, 2 of OH's things have 12 watchers a piece they both have bids of £25 on so I am hoping for a war lol
Thanks for posting xx Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (01/04/09 - 01/07/39)
£79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off
Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20
Asda Savings - £0
POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80
~ Emergency Savings: £0
My Debt Free Diary (Link)0 -
Well done. Have a great weekend MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Yesterday was a good day, the inlaws have an allotment and it's huge they've been telling us for ages we could use some of the space, so we (me, OH DS4 and DD 11 months) went to the allotment yesterday for three hours, we planted cauliflower and parsnip seeds outside, then in the greenhouse we planted spring onion, broccoli and pumpkin seeds so hoping for some nice free veg to grow
In laws are growing courgettes, tomatoes, white turnip, broad beans and mange tout which we always get some of, oh and they have three apple trees
While I was there capital one rang, they are one of the cards that bounced at the end of March, but it went online yesterday before allotment and paid £165 (the amount the website told me (£75 was the amount that bounced)) so when they rang it was their collections department and they hadn't realised that I had paid, so then she said as I paid march and April already she would suspend the April payment and it would retake in May as normal?
She was quite hard to understand so I let her do it, but it's pointless really cos we still intend to pay it and that is the card that we are going to start overpaying on anyway (the highest apr card)
Happy Mother's Day to all mothers out there xx Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (01/04/09 - 01/07/39)
£79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off
Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20
Asda Savings - £0
POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80
~ Emergency Savings: £0
My Debt Free Diary (Link)0 -
Happy Mothers Day
Allotments are great, sounds like a great idea. Salad has been one of our best growsMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
You sound really focused! Good luck xxLiving the simple life0
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Thank you both
Well first batch of ebay listings have just ended and we made £244 :j:j:j we have a few more things for sale which end in a week but they are just little things.
Just waiting for the £62 from music magpie as well
Those payments more than cover the three bounces we had yay so now we head into April with extra already to overpay Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (01/04/09 - 01/07/39)
£79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off
Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20
Asda Savings - £0
POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80
~ Emergency Savings: £0
My Debt Free Diary (Link)0 -
OMG I checked my ebay invoice and now they take 10% of the money that you have charged the buyer for postage !!!!!!, why do they do that now?
Anyhoo, my pay is in the bank, still cant wait for 30th April lol, once it hits 30th April everything left in my bank is going towards CC10 Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (01/04/09 - 01/07/39)
£79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off
Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20
Asda Savings - £0
POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80
~ Emergency Savings: £0
My Debt Free Diary (Link)0 -
Ebay are getting naughty at taking a % of the postage cost too. I struggle to get along with it, but needs must when the devil drives!
Well done on your progress so far, its so tough to keep going. You know how much I struggle at the end of the month.October make £10/day currently £11.020 -
kindofagilr wrote: »My aims for April:
1. Stick to our £200 shopping budget (or less)
2. Stick to our £200 petrol budget (or less)
3. Have 10 no spend days
4. Overpay CC by £20
5. List ten things on amazon/ebay
Good luck with your goals! :beer:**Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
377 166million Sealed Pot Challenge 2018 :staradmin No. 90: Emergency fund £637
My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=36300990
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