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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 265
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 27th Jan 18, 4:11 PM
    • 9,988 Posts
    • 79,404 Thanks
    HairyHandofDartmoor
    What a productive day MTG. I hope you're going to relax this evening
    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 27th Jan 18, 4:29 PM
    • 9,826 Posts
    • 62,218 Thanks
    please-let-me-be-lucky
    Just catching up on the last few days. Loving all your MSE bargains, especially a meal out for £3 . Yay to car passing MOT too Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    Best win so far - holiday to Florida
    • mummytogirls
    • By mummytogirls 27th Jan 18, 5:54 PM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    Evening HHOD and PLMBL,

    Thank you for popping in .

    So weve had our tea, the steak was really nice and just as good as the butchers . Ive had my shower and now sat down for the evening you'll be pleased to hear HHOD!

    Im going to treat myself to some chocolate from my Christmas stash tonight too xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • WannabeFree
    • By WannabeFree 27th Jan 18, 6:18 PM
    • 3,834 Posts
    • 37,740 Thanks
    WannabeFree
    Sounds like a good day MTG ..

    Are you on the countdown to half term yet? x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
    • Sun Addict
    • By Sun Addict 27th Jan 18, 8:12 PM
    • 7,334 Posts
    • 54,136 Thanks
    Sun Addict
    You've reminded me I have my eye test next month I've got a voucher for it though I do envy your 20:20 vision, mine is deteriorating - working on a computer all day + age unfortunately, need glasses for reading now
    Virtual Sealed Pot 2019 £366.57
    Emergency Fund £3300/£10,000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 27th Jan 18, 8:55 PM
    • 9,988 Posts
    • 79,404 Thanks
    HairyHandofDartmoor
    I can't believe you still have a Christmas stash MTG

    I used to have perfect eyesight until I was 48 and then I suddenly couldn't see to read unless I held a book at arms length, so now I have to have reading glasses
    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 28th Jan 18, 2:55 PM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    Afternoon Diary,

    Just a quick one as I'm expecting a friend over any minute. So we did something not very MSE and booked a holiday last night. We always go away and do something and it doesnt add to the debt so I don't feel guilty plus we got a free chid place. Just over £2000 for a weeks all inclusive in Spain. The reviews look good so I'm hoping we wont spend much when were there. Ive never been all inclusive before!!! Ive just been working paying it off into the next couple of months budgets.

    Today we have taken the girls to spend some of their Christmas and birthday money. They didn't spend a great deal tbh, but they got a few bits they were after. I spent £10 in b00ts on shampoo, conditioner and face wash and £16 on a friends 50th present.

    Right best go, friends just knocked! Catch up soon xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 28th Jan 18, 2:59 PM
    • 9,988 Posts
    • 79,404 Thanks
    HairyHandofDartmoor
    Your holiday sounds lovely MTG, it will give you all something to look forward to in this grey weather
    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
    • pennywisepoundstupid
    • By pennywisepoundstupid 28th Jan 18, 3:25 PM
    • 5,122 Posts
    • 18,816 Thanks
    pennywisepoundstupid
    Hi Mummy great news regarding the holiday. We did the AI holiday when my 2 were in primary and it was fantastic, no worrying about the cost of things, food was fantastic and loads to choose from, it just made life easy with younger children. Only money we actually spent all week on that holiday was a day trip out to a water park, other than that the kids spent the time buy the pool, playing tennis, playing in the kids playground and on the beach. It was also full of families so the kids made loads of friends.
    In fact We might do it again next year as its got to be the cheapest option with a teenage boy that never stops eating .
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 28th Jan 18, 3:46 PM
    • 9,826 Posts
    • 62,218 Thanks
    please-let-me-be-lucky
    Yay to having a holiday to look forward to! How long until you go? Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    Best win so far - holiday to Florida
    • enthusiasticsaver
    • By enthusiasticsaver 28th Jan 18, 3:50 PM
    • 8,747 Posts
    • 20,292 Thanks
    enthusiasticsaver
    If the holiday is budgeted and not increasing the debt then it is MSE

    I have done a few AI holidays and they are usually pretty good value.
    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
    • Sun Addict
    • By Sun Addict 28th Jan 18, 8:28 PM
    • 7,334 Posts
    • 54,136 Thanks
    Sun Addict
    All inclusive holidays are a godsend when you have kids. They can have as many drinks/ice creams/chips as they like. Soft drinks are so expensive abroad. Happy days
    Virtual Sealed Pot 2019 £366.57
    Emergency Fund £3300/£10,000
    • mummytogirls
    • By mummytogirls 29th Jan 18, 7:29 PM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    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
    • mummytogirls
    • By mummytogirls 29th Jan 18, 7:50 PM
    • 6,412 Posts
    • 24,732 Thanks
    mummytogirls
    Followers please can you subscribe to my new diary http://forums.moneysavingexpert.com/showthread.php?p=73799540#post73799540

    Trying to preserve my first diary with everything thats going on xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 29th Jan 18, 8:09 PM
    • 9,988 Posts
    • 79,404 Thanks
    HairyHandofDartmoor
    I've subscribed to your new diary MTG. Probably a good plan.
    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
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