This is it *ping* lightbulb!!!
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That's amazing stuff. Well done!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Sitting here reading your wonderful thread. I've just had my lightbulb moment this week and feel very low. We owe about £45 and then probably some more to my husband's company as we have borrowed some from there too. It's all a total mess - we so wanted to buy a house one day but it's probably too late now. Well done - you've done brilliantly!!0
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Ha, missed the important K........£45....if only! Sigh.0
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Forward_thinking wrote: »Sitting here reading your wonderful thread. I've just had my lightbulb moment this week and feel very low. We owe about £45 and then probably some more to my husband's company as we have borrowed some from there too. It's all a total mess - we so wanted to buy a house one day but it's probably too late now. Well done - you've done brilliantly!!
Hi Forward Thinking. Do you have a diary? If not, set one up! It's amazing how little amounts add up very quickly once you get in the mindset to start paying off the debts xxxTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Forward_thinking wrote: »Sitting here reading your wonderful thread. I've just had my lightbulb moment this week and feel very low. We owe about £45 and then probably some more to my husband's company as we have borrowed some from there too. It's all a total mess - we so wanted to buy a house one day but it's probably too late now. Well done - you've done brilliantly!!
Thank you xx
I wanted to give you some (((hugs))) it can be very daunting when you have your lightbulb moment, I know I went through some tough emotional times when I was starting out, and one thing to remember us that it's ok if it takes a little while to get your budget sorted, it took me a year really to get it all nailed and starting to make good overpayments
Do you have a diary, having the diary has really helped me stay on track xxDebt £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 -
Morning all,
How is everyone?
OW seems to be messing up for me, I've done one survey then it said I have another one, then when I click on it it said 'sorry this survey is temporarily unavailable you will be redirected to another survey in 5 seconds' which it does but then it does the same on that one? It's done it three times, I am going to leave them for now, I am worried it will just keep doing that then tell me I have no more survey's to do.
DS came home from school with a horrible rash on his legs on tuesday night, but by yesterday morning they had calmed down, but then once he got home from school last night then looked angry again, and then again this morning they have calmed down, I've got him an appointment for 4.30pm so if they follow the same pattern they will look angry again when I take him to drs, if they don't then great they will be on their way out, I wish I knew what it was though I haven't changed my washing powder or anything.
He's had a chesty cough since sunday, and the teacher this morning said she's concerned about his eating this week, he's not been wanting to eat much, he only wanted to eat a bit of garlic bread yesterday but she managed to get him to eat some pasta, she's going to keep an eye on it for me xxDebt £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 -
OW finally fixed itself, I got £2.50 earlier, and I'm one survey away from another £2.50 (I have no more surveys available today) woo-hoo
Took DS to drs, he came out of school and his legs were worse than ever dr thinks it's a allergic reaction to something, prescribed anti histamines, hope I can get to the bottom of what it is, I am thinking it's something at school cos it calms down in the morning, but it's bad again by hometime from school xxDebt £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 -
Hi kindofagilr, I'm delurking to ask what ow is? I'm registered with yougov and swagbucks but they are sooooo slow!!
K:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0 -
kirtsypoos wrote: »Hi kindofagilr, I'm delurking to ask what ow is? I'm registered with yougov and swagbucks but they are sooooo slow!!
K
It's Opinion World
It seems to be hitty missy though, If when you sign up you are classed as a valued member (which I am for some reason) then you get points for every survey, but I know a few people who have signed up after me haven't become a valued member and they struggle to get points xxDebt £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 -
I had a look at OW and it seemed a bit hit and miss; I gave up on swag bucks because it's was a bit chaotic. I just stick to ipoll now and I've done a few through crowdology and they are maybe one a week but they are not too hectic. I've got £15 from ipoll in maybe 6 weeks? It's not massive but I'm saving it till year end to cash in for Christmas...., I'd be happy with £100 for sitting on my bum ��:staradmin :staradmin Emergency Fund @ £300 Non CCJ Debts x 7 @ £2782/ £4055 PAID! CCJs x4 Unpaid Total @£5103 Christmas 2016 Fund @£116 Holiday Fund £300/ £550 Wedding Fund Goal: £2500 /// Total Remaining: £9409 / £12,900 (£3498- 27.11%Paid) :staradmin:staradmin0
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