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  • FIRST POST
    • kindofagilr
    • By kindofagilr 24th Mar 14, 4:43 PM
    • 6,215Posts
    • 20,908Thanks
    kindofagilr
    This is it *ping* lightbulb!!!
    • #1
    • 24th Mar 14, 4:43 PM
    This is it *ping* lightbulb!!! 24th Mar 14 at 4:43 PM
    Hi all

    Been a member of this forum for a while, I thought I had had my lighbulb moment in the past but clearly I had not!!!

    We (OH and I) have nearly 44k of debt not inc our mortgage

    We have two gorgeous little ones and I am sick of having no money for them to do things (son is old enough to start swimming lessons now and I really want him to be able to do things like that)

    We were all depressed about the figure and wondering how on earth we were going to pay it off, thinking it was going to take 10 years +

    I spent all of yesterday ringing the credit card companies and getting the APRs for my accounts, then we snowballed it
    .
    .
    .
    .
    .
    .
    .
    And to my MASSIVE suprise, if we can scrape even just £20 from somewhere in the budget and snowball the way the calc tells us we will be debt free in 4.5 years!!!!

    That has made me and OH feel even more positive about it all!

    I will try and not bore you all with my diary ... but it prob will be lol

    We sent some things to music magpie yesterday, they said they will pay £62 for them, now I just hope they pass their checks and we get the £62 (they should do)

    And we have some things on ebay due to end in 6 days.

    Heres to being debt free
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
Page 39
    • monz
    • By monz 12th Jan 18, 9:10 AM
    • 3,224 Posts
    • 10,301 Thanks
    monz
    omg!!!!!! thats awful!!! xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,720.99/10,000
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/£4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (£252 for apart
    ment)
    • kirtsypoos
    • By kirtsypoos 12th Jan 18, 9:21 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Oh no kindofagilr, how awful for you - and how ridiculous that they won't speak to you about a joint account!!

    Hope all gets sorted ASAP for you xx
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000
    • kindofagilr
    • By kindofagilr 13th Jan 18, 10:56 AM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Morning all, well OH spoke to the bank the other day, and they said they will refund it if it goes (as it is in the pending netherspace) so annoying tho cos even though it hasn't technically gone yet, it isn't in our account, so if the in laws hadn't managed to put money in for us we would have had two DD's bounce on friday!!!!

    Not much planned today, some washing to do, and the kids are at swimming at 1, we need to dig up the bushes at the side of the house, but it's far too cold today lol

    Have a good day all xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 14th Jan 18, 3:33 PM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Afternoon everyone, what a busy afternoon I have had! We are having Vension for sunday dinner, so I have that in the oven, I have prepped all the veg for dinner, so that's ready to go. I also prepped the veg for Beef Stroganoff (monday night tea, and tuesday lunches cooked in slow cooker) and the veg for Cottage Pie (tuesday night tea and wednesday lunches cooked in slow cooker) so it means I won't have to chop it all at 6am the morning we eat it, before going to work

    Then on monday night we have mash with the stroganoff, so when I am making that I will do double for the top of the cottage pie on tuesday

    We haven't started chopping the bushes down yet, oops lol

    Have a good day all xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 16th Jan 18, 12:59 PM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Hey everyone, how are you all doing?

    I'm feeling a bit deflated, I hate this time of the month, I just want all the statements in so I can add up how much we have paid off!

    Just checked the bank and the money didn't go, so that's showing as in our account now, so need to pay the inlaws back the £440 they put into our account lol (shame haha)

    I've got cottage pie in the slow cooker today, so I am looking forward to that for tea

    Have a good day all xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 17th Jan 18, 1:45 PM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Afternoon all

    How are we all today?

    I've just done my menu for the week ahead:
    Breakfast's - Crushed up weetabix mini with yogurt and fruit steeped overnight, I will have that every day, made the night before, I dont work thursday - sunday and I am so bad for not eating and then eating loads of crap from tea time

    Lunches, monday and wednesday is boiled potatoes, tuna/salmon and salad, tuesday leftover campfire stew, and wednesday - saturday mini quiches with salad

    Dinner/tea
    Kebab chips and pitta, campfire stew, fish chips and peas, curry rice and poppadoms, enchilladas, curry and chips, sweet ginger chicken

    I am hoping this helps me stop eating rubbish lol

    Have a good day everyone xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 18th Jan 18, 10:00 AM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Morning all, it's freezing!!!!!!!!

    We have a little bit of snow, but by the time I had done the school run and was walking home it was turning into slush and then ice

    Housework and washing day for me, mam always comes over for a coffee as well she doesn't work a thursday either then that takes up my whole day!

    Hoping to get some more crochet done, I am making myself a hat

    Have a good day all xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 19th Jan 18, 10:31 AM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Morning all, statements are in, and I am pleased to say we have paid £871.46 off the debt and £263.00 off the mortgage in January

    Really pleased with our start.

    Bad news is, OH mentioned to me he had snapped something off the hoover the other day but it should still work, well no it doesn't, there's a massive gaping hole in it and it has no suction! Grr, so we need a new hoover now.

    Loads of ice on the paths and roads was hard walking to school this morning, the house is freezing the heating is struggling to warm the house up

    Have a good day all xx
    Last edited by kindofagilr; 19-01-2018 at 10:39 AM.
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 23rd Jan 18, 2:04 PM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Afternoon all

    How is everyone doing? the snow and ice is finally melting (which is good as my new boots (from everything is £5) have given me blisters on my little toes, I think they need breaking in some more lol)

    I am doing really well with No spend days, Since I came back to work on the 9th I have only ever spent £1 a week and that is on Tuesday when I buy a bingo ticket at work (Wednesday is bingo day)

    OH is doing well as well, we had fallen into the habit of him whinging for subway/mcdonalds for lunch and me letting him, so he has a mix of sarnies made by me and asda ready meals (while they aren't super cheap, they are 3 for £6 they are cheaper than take out) now, and is doing well on that, I am having salads or I bring leftover dinner for me (campfire stew and mash today)

    We had also fallen into the habit of the kids having kfc or mcdonalds after their swimming lessons on saturdays but a couple weeks ago I got fries, popcorn chicken, chicken fillets and mini frozen cobs from asda and now they have "fake" kfc on a saturday as a treat after swimming lessons, it's fab, and costs about £2.50 for both kids instead of £10 ish for both kids, they love it, so that's good

    I do find this time of the month tedious cos there isn't much updating debt wise going on, but hey ho

    We are off to London in 47 days for walker stalker convention, we have £300 saved so far, but I would like £600-£700 we won't spend much at the convention (as we have pre purchased the photo ops we want) but we are in London for 4 days/3 Nights so need to feed ourselves and have tube money etc, I don't want to be in London and have to be penny counting, plus the kids are guilting me cos they are going to miss me (they are staying home with grandparents) so I want to bring them some sort of present back so OH has been getting some things out that he wants to ebay, and I (when I was sorting toys out pre christmas) have been gathering all the kids Happyland toys and will be putting them on ebay (they resell well apparently) so I need to push OH to get his listed, or at least write the descriptions up for me so I can list them for him

    Nothing much else to report, have a good day all xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 28th Jan 18, 11:27 AM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Morning all,

    How is everyone doing? Shopping has just been delivered, OH got it in and I came down and was helping him put it away, and then realised we had so much more shopping than we ordered!!! We got two extra bags of maris piper potates, two tins of nescafe azera americano coffee, two bags of tetley tea bags, a 4 pack of john west tuna, heinz ketchup, sugar, two tins of beans and some marmalade!!! Whoever's shopping it is will be annoyed for sure! Fab for us though

    I'm just about to attempt Slimming World Yorkshire puddings for sunday dinner today, and then will prepare the veg for later, need to tidy sitting room, OH is going to hoover (I hurt my wrist the other day after I did the whole house so I can't push hoover at the min, I have it strapped up, I hope it helps), kids need a shower/bath, and then we can all chill

    I got GTA4 for my laptop for christmas but we've only just figured out how to get it to work cos after googling it seems it's a common problem with windows 10, and you can use a xbox controller on the laptop with an adaptor which I have, so I was playing that a little bit once kids went to bed, I ordered some headphones from amazon which should be coming today, otherwise I can't play it when kids are up as it's very sweary

    Have a good day all xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • enthusiasticsaver
    • By enthusiasticsaver 28th Jan 18, 12:27 PM
    • 6,606 Posts
    • 13,847 Thanks
    enthusiasticsaver
    I think this is the first time I have commented on your diary and have read the last few pages and you seem to book lots of trips away/holidays etc but I just wondered how you were actually doing with reducing the debt?

    Don't get me wrong, I think living while repaying debt is necessary when you are on a long journey so long as it is saved for and within budget but I am puzzled as according to the first post you had £44k of debt and 4 years later you have £55.5k although according to your signature you have paid almost £20k off in the last 2 years. I presume you must still be spending on the credit cards or consolidated into loans as the debt is going up?
    Debt free and mortgage free and early retiree. Living the dream

    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
    • enthusiasticsaver
    • By enthusiasticsaver 28th Jan 18, 12:30 PM
    • 6,606 Posts
    • 13,847 Thanks
    enthusiasticsaver
    Are you including your mortgage payments in the debt repaid figure? That seems to be going down which is good so you have not fallen into the trap of consolidating on to your mortgage.
    Debt free and mortgage free and early retiree. Living the dream

    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
    • kindofagilr
    • By kindofagilr 28th Jan 18, 6:53 PM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    I'm not sure if you've read the whole thing? (I don't blame you if you haven't lol)
    But yes every month when I post how much I've paid off its split into the debt and the mortgage, so the totals paid off each year won't add up.

    Also like I posted a while back we had to get a boiler as ours died, it needed all new pipes etc which was £5000, also after living here for 9 years we could no longer take the horrible sitting room, and sofas that were that broken they were causing pain when you sat on them, so got the sitting room decorated and new sofas

    Add that to the fact my OH is having another mental breakdown and I lost one of my best friends to cancer on the 31st Jan last year (she was 34 by the way) I did have a period of f@@k it last year and booked our first holiday abroad with the kids and a few other little trips cos I thought sod it

    Fear not I'm still paying no interest on any of it (first-year and a half was sorting that out) but thanks for your post
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • enthusiasticsaver
    • By enthusiasticsaver 28th Jan 18, 7:24 PM
    • 6,606 Posts
    • 13,847 Thanks
    enthusiasticsaver
    I skim read it and saw you moved a lot to 0% in 2015. Haven!!!8217;t got any further yet but will read the rest shortly.

    £5k sounds a lot for a boiler but definitely necessary. We changed ours to a combi two years ago which cost around £3k installed by local plumber.

    Having it all on 0% is good but the debt is now so high it leaves you vulnerable if either of you were unable to work or were ill. Just something to consider although obviously there would be the option of a DMP if that happened. It can sometimes lull you into a false sense of security by getting 0% credit especially if you have high debt. It is almost as if people think I must be fine as I am still getting 0% deals so I would caution against letting the credit cards and unsecured debt go any higher as none of us know what is around the corner. Also even if you are only paying minimums that level of debt must be impacting on your disposable income each month never mind the shuffling and BT fees to keep it all at 0%.

    Are you saving for the holiday?

    Sorry about your friend and your OHs health. Is the debt impacting on his mental health?
    Debt free and mortgage free and early retiree. Living the dream

    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
    • kindofagilr
    • By kindofagilr 28th Jan 18, 7:29 PM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    No, I deal with all the debt side of things, so it!!!8217;s not related to that.

    Yeah it was ancient the boiler, a very old back boiler, so needed doing, needs must and all that.

    We have secure jobs, but thanks for your concern, I do have it under control.
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 29th Jan 18, 1:36 PM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Afternoon all,

    How is everyone today? work for me today, just finished tucking into leftover sunday dinner for my lunch, it was yummy but now I need a nap.

    Another NSD for me, I literally think I only spend money on a tuesday which is my £1 bingo lol and then of course the weekly shop, which is good

    OH still pulling together a load of stuff to ebay, and I need him to go in the loft to get the last of the happyland toys out, then I can get them listed on ebay, trying to decide on whether to do one bulk auction for them, or sell them in their sets, I will have a think about it

    Have a good day all xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 3rd Feb 18, 4:21 PM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Afternoon all

    How is everyone doing? it's mine and OH's 11 year anniversary today

    We are treating ourselves to a chinese from our fav restaurant (that we rarely get to go to) but as a take out as we don't have baby sitters, been saving pennies for it.

    Kids had their swimming lesson earlier they both did really well.

    We were meant to be starting to clear the side of the house away with the bushes but it's done nothing but rain, so that's been delayed, need to crack on cos I need to start planting things (seeds), this year, I am going to grow Potatoes, Strawberries, Courgettes, Peppers, Tomatoes, Chilies and I am getting two dwarf patio cherry trees (early birthday present) so I am excited about all that

    Hope you all have a good day xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 4th Feb 18, 10:35 AM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Morning all

    How is everyone today? It's a bit cold here today, the sun is out now, so I am hoping it will warm things up so we can get cracking with the side of the house, I am very conscious that the birds are starting to gather things to make their nests, and I won't take the bushes down if there is a nest in there, so we need to really get cracking before they start doing that (we have loads of privet hedge in the garden that they nest in, so don't worry I am not kicking them out of their home lol)

    DS has a couple maths tests to do, and then they need a bath/shower, other than that, not much going on, asda has just been, no spare money from shopping this week to overpay.

    I hope everyone has a good day xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 4th Feb 18, 8:02 PM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    We've done most of the side of the house Woohoo! Just need to dig the roots out, we were shattered and it started getting cold so we will finish that off next weekend, but most of the job is done yay
    Last edited by kindofagilr; 05-02-2018 at 1:05 PM.
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 9th Feb 18, 9:41 AM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Morning everyone,

    How is everyone today? I have been planning the kids birthday parties, their birthdays are 3 weeks apart they are going to be 5 and 8, they both wanted to do clip and climb, so we've decided to hire the whole place (25 slots) and they can share the invites out, DS said there is only 8-10 people he wants to invite so DD can have the rest of the slots bless him

    I got a lovely email at work from my boss to say I had been awarded a reward and recognition voucher for my commitment to the business and helpfulness woo hoo, so I chose a £20 costa card (for me and OH to have guilt free coffee when we are on our trip to London) and a £30 amazon one

    I have ordered my seeds, so they should be coming soon, and some of them need sowing straight away.

    Speaking of costa, I have finally got back into my app (I couldn't remember any of the log in as we had two cards) and I have enough points on there for 2 free coffees yay lol

    Little bit of housework to do here then I am going to chill today, it's miserable outside and soaking wet!

    Have a good day all xx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
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