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  • FIRST POST
    • mummytogirls
    • By mummytogirls 29th Jan 18, 7:49 PM
    • 6,411Posts
    • 24,729Thanks
    mummytogirls
    Mummytogirls - taking the scenic route
    • #1
    • 29th Jan 18, 7:49 PM
    Mummytogirls - taking the scenic route 29th Jan 18 at 7:49 PM
    Evening Diary,

    Well there seems to be so many diaries being deleted at the moment I have decided to start a new one to try and preserve my history on here.

    My first diary can be found here: http://forums.moneysavingexpert.com/showthread.php?t=2311479&page=265

    So I started in March 2010 and it hasn't always been an easy route but weve managed to pay off quite a bit of our debt and we stand at 6069.37 today. We probably could have paid the debt off my now but we are enjoying our life (taking the scenic route) with our two girls (now aged 11 and 9). They are growing up too fast before my eyes, wish time would slow down a bit.

    So feel free to join my ramblings... usually about my MSE ways, what I eat and the all important pegging out in the summer .

    Mummytogirls xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
Page 1
    • mummytogirls
    • By mummytogirls 29th Jan 18, 7:51 PM
    • 6,411 Posts
    • 24,729 Thanks
    mummytogirls
    • #2
    • 29th Jan 18, 7:51 PM
    • #2
    • 29th Jan 18, 7:51 PM
    Here's my entry from earlier tonight:

    Evening Diary,

    Had about 3 minutes sleep last night with the high winds again , felt shattered at work this afternoon, came home and talked myself out of the gym, ate 3 maryland cookies and then changed my class to an earlier one . Glad I went in the end.

    Thanks HHOD, Pennywise, PLMBL, ES and SA for your kind comments . We go in August. The kids are going to love just being able to eat whatever they want and I reckon I need to lose 2 stones just to put 1 back on . When we went to Majorca the other year we were half board and still spent 1000! Last couple of years weve gone to France self catering and hardly spent anything so fingers crossed for low spends!

    Food:
    Breakfast - porridge with nutella and banana
    Lunch - nannas magic soup, wholemeal roll, grapes and yoghurt
    Tea - Hassleback chicken with pesto, basil, tomato and mozzarella, roasted new potatoes and peas
    Snacks - quavers and 4 cookies
    Gym - spinning

    Positives:
    * went to the gym even though I didn't want to!
    * NSD12/12

    So I will set my NSD's for February for 8 as DD has a couple of competitions, its half term and theres less days!

    Hope all ok xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • Purplemumof2
    • By Purplemumof2 29th Jan 18, 7:53 PM
    • 7,192 Posts
    • 27,716 Thanks
    Purplemumof2
    • #3
    • 29th Jan 18, 7:53 PM
    • #3
    • 29th Jan 18, 7:53 PM
    Happy shiny new diary xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4700.00 Lloyds: 8800.00 BC: 405.51 Cap One: GONE
    June LTW 9/19 ~ June NSD 1/5
    PAYDBX 2019 #041 PD 3217.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 55/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 29th Jan 18, 7:54 PM
    • 9,764 Posts
    • 61,540 Thanks
    please-let-me-be-lucky
    • #4
    • 29th Jan 18, 7:54 PM
    • #4
    • 29th Jan 18, 7:54 PM
    Happy new diary Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    Best win so far - holiday to Florida
    • mummytogirls
    • By mummytogirls 29th Jan 18, 7:55 PM
    • 6,411 Posts
    • 24,729 Thanks
    mummytogirls
    • #5
    • 29th Jan 18, 7:55 PM
    • #5
    • 29th Jan 18, 7:55 PM
    Thank you PMO2 and PLMBL, id preferably have everything in 1 place but hey ho xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • redofromstart
    • By redofromstart 29th Jan 18, 7:58 PM
    • 2,399 Posts
    • 15,368 Thanks
    redofromstart
    • #6
    • 29th Jan 18, 7:58 PM
    • #6
    • 29th Jan 18, 7:58 PM
    Happy new diary, probably a sensible approach.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 29th Jan 18, 8:04 PM
    • 9,754 Posts
    • 77,437 Thanks
    HairyHandofDartmoor
    • #7
    • 29th Jan 18, 8:04 PM
    • #7
    • 29th Jan 18, 8:04 PM
    Good to have a back up plan/diary MTG.

    Well done on going to the gym even though you didn't feel like it. I made myself go for a walk todayvand felt much better afterwards
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 4,105/5,000. EMERGENCY FUND 2 = 2,005/5,000.
    CHRISTMAS SAVINGS = 129.37/500
    PREMIUM BONDS ME = 100. PREMIUM BONDS DH = 50
    • beanielou
    • By beanielou 29th Jan 18, 8:42 PM
    • 63,716 Posts
    • 282,420 Thanks
    beanielou
    • #8
    • 29th Jan 18, 8:42 PM
    • #8
    • 29th Jan 18, 8:42 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • enthusiasticsaver
    • By enthusiasticsaver 29th Jan 18, 8:45 PM
    • 8,583 Posts
    • 19,939 Thanks
    enthusiasticsaver
    • #9
    • 29th Jan 18, 8:45 PM
    • #9
    • 29th Jan 18, 8:45 PM
    Good idea to start a new one MTG but goodness only knows why you should have to. 12 NSDs for January is great.
    Early retired in December 2017

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • pennywisepoundstupid
    • By pennywisepoundstupid 29th Jan 18, 8:54 PM
    • 5,122 Posts
    • 18,793 Thanks
    pennywisepoundstupid
    Happy new diary, I think I may do the same. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • mummytogirls
    • By mummytogirls 30th Jan 18, 7:26 PM
    • 6,411 Posts
    • 24,729 Thanks
    mummytogirls
    Evening Diary,

    Thank you to all my lovely MSE friends for your posts .

    Had a lovely sleep last night after the previous nights 3 minutes!!! I feel like tonight will be a good sleep too, I'm already in bed with my laptop!!! Never usually do this.

    Had a busy day with the usuals and then called into Mr T's on the way to swimming for milk. Spent 7.28 on milk for home and work, belvita biscuits and some donuts for the kids. DD2 had a rough day at school so she appreciated the treat.

    Food:
    Breakfast - porridge with nutella and banana
    Lunch - nannas magic soup, wholemeal roll, grapes and yoghurt
    Tea - slow cooked fahitas with cheese and sour cream
    Snacks - kitkat and quavers
    Gym - body pump

    Positives today:
    * 1 more day until DH gets paid
    * felt proud in the gym when I could see noticeable definition in my arms from the weights!!!

    Think thats about all xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • beanielou
    • By beanielou 30th Jan 18, 7:31 PM
    • 63,716 Posts
    • 282,420 Thanks
    beanielou
    Thats all good
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • mummytogirls
    • By mummytogirls 30th Jan 18, 7:32 PM
    • 6,411 Posts
    • 24,729 Thanks
    mummytogirls
    Thanks Beanielou, I'm trying to keep my posts positive.... most of the time xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • beanielou
    • By beanielou 30th Jan 18, 7:37 PM
    • 63,716 Posts
    • 282,420 Thanks
    beanielou
    Thanks Beanielou, I'm trying to keep my posts positive.... most of the time xx
    Originally posted by mummytogirls
    Not always my strongest point on mine
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • mummytogirls
    • By mummytogirls 30th Jan 18, 7:39 PM
    • 6,411 Posts
    • 24,729 Thanks
    mummytogirls
    I am a bit of a moaner in RL Beanie xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • beanielou
    • By beanielou 30th Jan 18, 7:47 PM
    • 63,716 Posts
    • 282,420 Thanks
    beanielou
    I am a bit of a moaner in RL Beanie xx
    Originally posted by mummytogirls
    Dont tell, but I can be too
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 30th Jan 18, 7:59 PM
    • 9,754 Posts
    • 77,437 Thanks
    HairyHandofDartmoor
    Sorry DD2A had a rough day, but glad she had doughnuts to cheer up. Well done on the gym going .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 4,105/5,000. EMERGENCY FUND 2 = 2,005/5,000.
    CHRISTMAS SAVINGS = 129.37/500
    PREMIUM BONDS ME = 100. PREMIUM BONDS DH = 50
    • mummytogirls
    • By mummytogirls 31st Jan 18, 6:30 PM
    • 6,411 Posts
    • 24,729 Thanks
    mummytogirls
    Evening Diary,

    Happy Hump Day!!!! Cannot believe its nearly Thursday already (I'm sure I say this at least once a week!).

    Ive been so tired this week, think I need to hibernate or something! 7 more working days until half term and apparently its only 100 working days until we break up for summer according to someone at work .
    Wednesday is my day off the gym and I'm enjoying the early sit down with a cup of tea.

    So had a spend day today:
    1 on some cut flowers in the farmshop whilst buying some for colleagues birthday at the farmshop
    17.50 waxing (own spending money)

    Today is DH's payday, so the joint account looks lovely... until tomorrow when the DD's go out

    Put my 31p into my 365 days pot.

    Food:
    Breakfast - usual! Porridge with nutella and banana
    Lunch - cheese salad sw on wholemeal roll, quavers, yoghurt
    Tea - sweet potato wedges and roasted pepper topped with bolognaise
    Snack - kitkat

    Positives from today:
    * Used up some sweet potato and red pepper in fridge past its best for tea. Also made some soup for tomorrow's lunch
    * Thankful for an earlier sit down than in previous nights

    Hope all ok xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • beanielou
    • By beanielou 31st Jan 18, 8:23 PM
    • 63,716 Posts
    • 282,420 Thanks
    beanielou
    Plodding on , plodding on.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 31st Jan 18, 8:31 PM
    • 9,754 Posts
    • 77,437 Thanks
    HairyHandofDartmoor
    Hope you feel less tired tomorrow MTG. Not too long until half term then
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 4,105/5,000. EMERGENCY FUND 2 = 2,005/5,000.
    CHRISTMAS SAVINGS = 129.37/500
    PREMIUM BONDS ME = 100. PREMIUM BONDS DH = 50
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