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  • wishingthemortgaheaway
    wishingthemortgaheaway Posts: 2,536 Forumite
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    Woohoo. Go you.

    And this time tha 10% is staying and not being taken away by mean interest rubbish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • IWILLgetthere
    IWILLgetthere Posts: 102 Forumite
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    Hello, just wanted to say that I look forward to reading your daily updates - you are an inspiration!
    Thank you and good luck with debt busting
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
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    wishingthemortgaheaway wrote: »
    Woohoo. Go you.

    And this time tha 10% is staying and not being taken away by mean interest rubbish.

    Absolutely, now onto the next 10%
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
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    IWILLgetthere wrote: »
    Hello, just wanted to say that I look forward to reading your daily updates - you are an inspiration!
    Thank you and good luck with debt busting


    Thank you for sticking around :D

    I dont necessarily have the most interesting writing style or even have that much interesting to write about. But it still helps to know I'm inspiring as it spurs me on to keep debt busting.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
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    Just a quick mini update.

    As mentioned earlier I've trialed a few selling methods on Ebay. It seems to have worked.

    I had a bundle of baby clothes for sale for a BUY IT NOW price of £7.50 and a p&p of £1.50

    I thought it would appeal to have a lower p&p price, I'll absorb the rest from the actual bundle being sold. Previously I've sold similar bundles and started an auction at 99p. Rarely will they have got above £3

    So once all fees have been removed including the PayPal fee and the actual p&p cost I'll have made about £4.60. Better than a 99p auction sale where I've worked out profit to be a mere 27p or there abouts.

    WARNING

    OK here's a warning for those using Ebay. I regularly check my selling account and look at the current fees bill so I know exactly what needs to stay in the PayPal account. I noticed there was a £2.50 gallery plus fee in there. It's against one of my current listings. I knew for a fact this was wrong. I always check that starting fees are 0.

    Contacted Ebay. Turns out there is a known issue/glitch where random £2.50 fees are being added (apparently they're in the process of resolving this). I got my refund. I suspect that had I not called I wouldn't have just been refunded. So check your fees guys, you don't want any nasty surprises.



    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
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    This morning I was up at 5.30 am getting ready for work. After a shockingly poor sleep and now the beginnings of a horrid cold.

    I knew I'd get a cold, all the lads in the office have been suffering for about a week and half so it was a matter of time. I just hate how run down colds make me feel.

    6.30 am DS shouts me from his room, he'd been sick in his bed. He said he had a tummy ache last night whilst doing reading homework but I assumed it was another effort to get out of homework *bad mummy moment*.
    And as DH has only just returned to work after being off sick with his back we decided I should stay off work.

    DS was sick a 2 further times by 8.30 am. He's been fine since. Called his school explaining his absence and confirmed they have a 24hr rule of no sickness before return.
    School starts at 8.50am tomorrow so if he remains fine until tomorrow morning he'll be going back in.

    Then there's DD. No sickness. But I suspect she's getting a cold too. She's on her 3rd nap of the day. She normally only has the one.

    So with the unexpected day off I've just been doing the odd survey etc.
    I've managed to pay more off the Next account.
    I've sold 6 of my Ebay items. Waiting for payment on one. Of the 5 items paid for I've made a profit of £7.50. Can't argue with that. So that came off the Next account.

    Decided to download the Qmee app. It pays pennies for surveys. They don't take long. Made 31p in about 3mins. Withdrew it straight away into my PayPal. Appeared instantly with no charges, so got full 31p. Again 31p extra off a debt!

    Totals as of 13th September

    Lloyds CC £1343.20
    Next £112.19 £17.81 paid off
    MBNA CC £4130
    Barclaycard CC £2585
    Tesco Loan £10,012.88
    Santander Loan £6528.88
    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 cleared since 1st September - £731.7 :T

    Emergency Fund total - £184/£1000




    September goals

    1) To pay a total of £1500 off debt
    £731.7/£1500

    2) To get £300 in the EF
    £184/£300

    3) To list 10 items on Ebay
    8/10

    4) To earn £30 from surverys - only payable to count
    £10.31/£30


    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
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    Well my optimism where DS is concerned was short lived. He may not be vomiting any more but he's got a runny bottom. Oh the joys. Gonna have to hope my mum has him tomorrow. He seems fine in himself.

    Final Ebay sale paid up. The profit along with a £1.14 earning from Qmee has meant I've paid another £3.10 paid off the Next account this evening :T


    Totals as of 13th September

    Lloyds CC £1343.20
    Next £109.8 £3.10 paid off
    MBNA CC £4130
    Barclaycard CC £2585
    Tesco Loan £10,012.88
    Santander Loan £6528.88
    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 paid as of 13th September (b) -£33366.89

    Total cleared since 1st September - £734.8 :T

    Emergency Fund total - £184/£1000




    September goals

    1) To pay a total of £1500 off debt
    £734.8/£1500

    2) To get £300 in the EF
    £184/£300

    3) To list 10 items on Ebay
    8/10

    4) To earn £30 from surverys - only payable to count
    £11.45/£30


    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • Rachel24
    Rachel24 Posts: 214 Forumite
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    Love reading your diary mummy bear :-) I have money ok my next account and an overdraft etc and I like the way you pay little amounts to it. I look forward to reading your diary and have subscribed. Hope the wee one is feeling better. Xx
  • wishingthemortgaheaway
    wishingthemortgaheaway Posts: 2,536 Forumite
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    Hey, thanks for mentioning qmee. I had a look and got nearly 60p just while settling Pickle. I think I'll build that one up in the days I spend and with draw money on a nsd so I can make a pad in my mop pot.

    Hope little one is better soon.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
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    Rachel24 wrote: »
    Love reading your diary mummy bear :-) I have money ok my next account and an overdraft etc and I like the way you pay little amounts to it. I look forward to reading your diary and have subscribed. Hope the wee one is feeling better. Xx

    Thanks for stopping by and subscribing Rachel.

    I have to give credit to another DFW diary writer Misstara for the little payments thing. I read her diary and really saw the benefit and impact that these little payments make.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
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