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  • FIRST POST
    • mummytogirls
    • By mummytogirls 2nd Mar 10, 1:58 PM
    • 6,412Posts
    • 24,732Thanks
    mummytogirls
    Mummytogirls - 100 years to be debtfree - I think not!
    • #1
    • 2nd Mar 10, 1:58 PM
    Mummytogirls - 100 years to be debtfree - I think not! 2nd Mar 10 at 1:58 PM
    Hello everyone!

    Only ever posted on here once but starting to get my debts in order so starting a diary to try and keep me on track.

    Basically since the beginning of 2010 ive really started to think positive about reducing my credit.
    This included starting a spending diary which I have totted up February today and I can tell you I am throughly shocked!!

    Joined whatsthecost.com today and snowballed which told me I will be debt free in 100 years ! Well im sure I wont even be alive at which point and dont really want to live me life like this, teetering from one month to the next and juggling things around!

    So here I am!

    I have a loan with HSBC that will be paid off in Feb 2012. That is the biggy and costs me 353 per month!
    Once this is paid off I will be throwing this money at the credit cards to hopefully get debt free by Dec 2014.

    So here goes wish me luck!!!
Page 263
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 16th Jan 18, 6:44 PM
    • 9,819 Posts
    • 62,159 Thanks
    please-let-me-be-lucky
    Its been too wet for our snow to lie, so weve just had mush and puddles really.

    Sorry to hear both girls have been off sick Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    Best win so far - holiday to Florida
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Jan 18, 7:45 PM
    • 9,974 Posts
    • 79,225 Thanks
    HairyHandofDartmoor
    Great that DD2 enjoyed her special day and I hope they both feel better soon.

    It is annoying when you have to keep buying thing when you're trying not to .
    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 = 4,005/5,000. EMERGENCY FUND 2 = 2,005/5,000.
    CHRISTMAS SAVINGS = 129.37/500
    PREMIUM BONDS ME = 150. PREMIUM BONDS DH = 50
    • mummytogirls
    • By mummytogirls 17th Jan 18, 6:32 PM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    Evening Diary,

    Wow what a disruptive day! Woke up to more snow this morning, not enough to have a snow day but enough for disruption! We all had late openings so wasn't expecting to go in til later but then my friend offered to take my kids down so I snapped her hand off! The main roads were totally fine by this point and my car was parked down in the village so I didn't have to risk crashing coming down the steep hill . We had some real complainers but what they don't realise is some of our staff are not local and we can't operate without staff! I get its an inconvenience, it is for me too and I work in a school but people have to be safe. Anyway rant over!

    Had an unexpected NSD! Was supposed to get my waxing done and they rang to say the lady couldn't get in as she lives at the other side of town and did I want to book in for someone else. I said no and I will rearrange.

    Got an email telling me DD had had a school dinner. My 2 never have school dinners and she had eaten her packed lunch so I've sent them an email to credit back.

    Food:
    Breakfast - porridge with banana and nutella
    Lunch - hm veg soup, wholemeal roll and yoghurt
    Tea - pasta bake and garlic bread
    Snacks - cereal bar and popcorn

    Haven't even been to the gym this week with the weather and feeling full of cold and tired. My eating hasnt been bad though.

    Positives:
    * NSD8 of 12
    * DD was well enough to go back to school
    * We were all safe in the snowy conditions

    So we are supposed to have more snow tonight but the weather forecast has been all over the place so I will believe it when I see it. Still my car is parked off the street as its easier to get out in the morning if it does snow.

    Hope all ok xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • debtfreeoneday
    • By debtfreeoneday 17th Jan 18, 6:59 PM
    • 2,967 Posts
    • 10,220 Thanks
    debtfreeoneday
    As much as I miss the snow we never get this way. I don't miss the disruptions it brings with it!
    DFW (08/08) 64,346.53 Gone for good (02/19)
    MFW (01/15) 82,637.87
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Jan 18, 9:15 PM
    • 9,974 Posts
    • 79,225 Thanks
    HairyHandofDartmoor
    We have torrential rain and howling wind right now (I wish my bedroom wasn't in the roof!) but probably better than snow .

    Hope it's not too chaotic in the morning.
    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 = 4,005/5,000. EMERGENCY FUND 2 = 2,005/5,000.
    CHRISTMAS SAVINGS = 129.37/500
    PREMIUM BONDS ME = 150. PREMIUM BONDS DH = 50
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 18th Jan 18, 4:25 PM
    • 9,819 Posts
    • 62,159 Thanks
    please-let-me-be-lucky
    How has the snow been with you today Mummy? We got it bad through the night but schools were still open. Took an hour to get DS1 to school (we can walk DS2 to his school) Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    Best win so far - holiday to Florida
    • Sun Addict
    • By Sun Addict 18th Jan 18, 7:41 PM
    • 7,321 Posts
    • 54,032 Thanks
    Sun Addict
    We've just got rain here, torrential
    Virtual Sealed Pot 2019 366.57
    Emergency Fund 3300/10,000
    • mummytogirls
    • By mummytogirls 18th Jan 18, 7:52 PM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    Evening Diary,

    Im sure I say this every week but how on earth is it nearly Friday again! I am absolutely full of cold so I sacked off the gym tonight, I haven't been at all this week , really must get back to it on Monday. For now though I'm just finishing off the Christmas chocolates .

    Today has been a spend day, 64 in Mr Als. Going forward I am going to budget 70 a week as this seems to be the amount we spend. Then il have a bit set aside for what we need from Mr T's. She says... as I always have a grand plan that never works! An unlimited budget would work for sure .

    DFOD, I wouldn't mind if we had it bad enough for a snow day but we never do in recent years.

    HHOD, our roof always sounds like its about to be ripped off when its windy!

    PLMBL, Do you have to drive with DS1? We are in walking distance, I never take the car as its quicker to walk vs having to park a mile from school and then traffic. We hadn't had any snow over night this morning was much worse.... black ice thick as anything!
    I got on a patch at the top of our street and nearly had a heart attack and then as I was scraping my car this kid ran past my car straight onto it and onto his back . He just jumped up and ran off embarrassed poor kid! Then DH rung to say there was another massive patch in the village which he had skidded on.

    So tonight DH has gritted the street and its started snowing again ... couldn't write this! He's taken my car as its parked off our street to collect DD and her friend from Scouts. His is a rear wheel drive so he doesn't even bother with it in the snow.

    Food:
    Breakfast - weetabix
    Lunch - pasta in creamy cheese and mushroom sauce and an apple
    Tea - chicken with leek and cheese crumb, croquette potatoes and peas
    Snacks - cereal bar and pear and raspberry smoothie

    Think thats all from me xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • mummytogirls
    • By mummytogirls 18th Jan 18, 7:53 PM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    Hope youve not been too soaked SA xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 18th Jan 18, 7:59 PM
    • 9,974 Posts
    • 79,225 Thanks
    HairyHandofDartmoor
    You've still got Christmas chocolates left . I hope your cold gets better soon.

    Black ice is such a menace .
    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 = 4,005/5,000. EMERGENCY FUND 2 = 2,005/5,000.
    CHRISTMAS SAVINGS = 129.37/500
    PREMIUM BONDS ME = 150. PREMIUM BONDS DH = 50
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 18th Jan 18, 8:18 PM
    • 9,819 Posts
    • 62,159 Thanks
    please-let-me-be-lucky
    DS1s school is 5 miles away. DS2s is at the other end of our street!!

    You take care on that ice Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    Best win so far - holiday to Florida
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 19th Jan 18, 7:55 PM
    • 9,974 Posts
    • 79,225 Thanks
    HairyHandofDartmoor
    Hope you had a good day today MTG.
    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 = 4,005/5,000. EMERGENCY FUND 2 = 2,005/5,000.
    CHRISTMAS SAVINGS = 129.37/500
    PREMIUM BONDS ME = 150. PREMIUM BONDS DH = 50
    • mummytogirls
    • By mummytogirls 20th Jan 18, 6:53 PM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    Evening Diary,

    My house is full of madness tonight... weve got an additional 3 giggly girls over for DD's sleep over. They're so giddy, I'm not expecting much sleep tonight ha!

    Last night my mum was taking us out for DDs birthday, DDs and I got there first so spent 6 on drinks. No other spends yesterday.

    Today DD2 and I went to Mr T's for a few bits, 17 spent there and then 30 on pizzas.

    Hoping tomorrow will be NSD9, will claim that tomorrow though.

    Happy Saturday all xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 20th Jan 18, 7:24 PM
    • 9,974 Posts
    • 79,225 Thanks
    HairyHandofDartmoor
    Have fun, I'm sure DD will .

    It used to be mayhem when our DSs had a sleepover, we never got a wink of sleep and I'm amazed none of the neighbours complained . All the boys had a fabulous time though .
    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 = 4,005/5,000. EMERGENCY FUND 2 = 2,005/5,000.
    CHRISTMAS SAVINGS = 129.37/500
    PREMIUM BONDS ME = 150. PREMIUM BONDS DH = 50
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 20th Jan 18, 7:36 PM
    • 9,819 Posts
    • 62,159 Thanks
    please-let-me-be-lucky
    You have my sympathy, sleepovers are brutal for the parents hosting . Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    Best win so far - holiday to Florida
    • Sun Addict
    • By Sun Addict 20th Jan 18, 8:02 PM
    • 7,321 Posts
    • 54,032 Thanks
    Sun Addict
    Hope they enjoy it though. Get some ear plugs
    Virtual Sealed Pot 2019 366.57
    Emergency Fund 3300/10,000
    • mummytogirls
    • By mummytogirls 21st Jan 18, 10:31 AM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    Morning Diary,

    The house is finally quiet again!! I do enjoy it being of laughter etc but I do like it peaceful again after.

    HHOD, PLMBL and SA, DH and I went to bed just before 11 and had to get up twice as they were running up and down the stairs! They said they went to sleep about 2. Definitely early beds tonight! Ive text the neighbour to apologise if she heard them on the stairs but she said she didn't. We never heard anything from their side either and they've got 3 kids!

    So yesterday DH and I spent an hour clearing the street of the compacted ice and now its snowing again probably just enough to cause a bit of agro in the morning. My car is in the drive so will need to clear it again at some point.

    DH has just gone to put the chicken in and we will have that mid afternoon and then have leftover pizza for supper. I like this idea as I can have an early bath and chill alllll night then .

    This afternoon I've got a basket of ironing with 2 more wash loads to do so thats my job sorted.

    Think thats all, happy Sunday all xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • redofromstart
    • By redofromstart 21st Jan 18, 10:40 AM
    • 2,410 Posts
    • 15,410 Thanks
    redofromstart
    Ironing for me too, not so bad if you can find something to watch.

    Its snowing heavily here, and the sky looks full of it too.
    • mummytogirls
    • By mummytogirls 21st Jan 18, 10:42 AM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    I don't mind the ironing if I can keep up to it redo. Haven't done any since Wednesday so a full basket. Il put come dine on or something!!!

    Our sky looks full too... its supposed to rain later (will see if it actually does!) xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
    • mummytogirls
    • By mummytogirls 21st Jan 18, 10:48 AM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    Washers singing to me so thats my q to put it in the drier, put the next load on and crack on with the ironing.

    Forgot to say I also need to make some soup for next weeks lunches. Going to make Nanna's magic soup off the Mr T's adverts! xx
    Mummytogirls x

    23164.32 - 12/12/10
    5419.83 - 08/04/18 - 76.61% paid off
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