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  • FIRST POST
    • kindofagilr
    • By kindofagilr 24th Mar 14, 4:43 PM
    • 6,591Posts
    • 22,229Thanks
    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
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
Page 50
    • kindofagilr
    • By kindofagilr 7th Jan 19, 10:47 AM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    I know, thankfully we had it in the bank, just means I can't put any in savings this month

    I've done all the housework jobs for the day, was killer waking up to an alarm this morning lol and the house feels so quiet with only me in it!!!

    Not much planned now, I have sky movies via nowtv till the 13th, so I need to watch maze runner 2 today (I got a sky store voucher which bought that with) and maze runner 3 is on the movie channels

    Going to chill and watch movies which I crochet, hen once I've got kids need to do their tea and make hot pot for me and OH

    Have a good day all xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 8th Jan 19, 1:30 PM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    Afternoon all

    Well what a start to the day, there has been roadworks roundabout work away for about a year now, its a pain in the butt, but they started even more roadworks this morning, before we leave the house I look on google maps app on my phone to check the roads (it's colour co-ordinated so if it's red its heaving and gridlocked) we decided on a route (all were red but the one we chose not as red)

    Well what a nightmare! took us 45 mins in the car to get to a point that normally takes 20 mins, then we stopped and didn't move, it was 8.45am by this point, the hubby was due at his first day at uni for his teching degree for 9am, I will still ages from work, there was no way he was going to make uni if he took me all the way to work, so I did the lovely thing and got out of the car and walked the rest of the way, it took me 45 mins to walk and I am fast walker, think it was 3 miles or so, which will help my step count lol

    My son's school boots are falling apart, I am so annoyed, they are coming away at the seams, we bought the pair on august and had to have them exchanged mid october for the seams coming away, and now again they are ruined, tweeted clarks yesterday as I would like a refund (had some issues with the store staff first time round who said he had gone up a size at all we would have to pay 50% towards the shoes which I didn't agree with, if he had gone up a size in 6 weeks then surely he wasn't measured properly in the first place) so I had a reply this morning asking for a photo of my receipt, so fingers crossed I am getting a refund

    I had a look on line as I wanted to get him kickers (he is nearly 9 and a size4, but he can't do laces) and they had to be velcro, and thankfully studio catalogue had some for £32, my mam has an account so gave me permission to order them, so I have ordered them for him, if we end up with a credit note for clarks rather than refund that's not the end of the world, as my daughters clarks school shoes are fine, so any credit note we can use for her (to be fair to them, we have used them since he was a baby and this is the first time they have been bad, I think its a design flaw in the shoe/boot he has currently)

    Decided to post my meal plan on here every week to keep me on track
    • Sunday - Gammon, Chips and Peas
    • Monday - Beef Hot Pot
    • Tuesday - Chicken Fajitas
    • Wednesday - Spaghetti Bolognese
    • Thursday - Corned Beef and Potato pie (HM) and veg
    • Friday - Egg fried rice, chips and curry sauce
    • Saturday - Home Made Pizza
    I best get back on with work now have a nice day all xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • Homegrown0
    • By Homegrown0 8th Jan 19, 3:45 PM
    • 781 Posts
    • 4,035 Thanks
    Homegrown0
    How irritating about the school shoes! I'd be annoyed as well, but I'm glad Clark's seems to be doing something about it. I tried to exchange the size of a shirt that my son was given by a relative. The shop that begins with P and ends in rimark said they don't do any kind of exchange or refund without a receipt. There was tags on it and all i wanted to do was go the size up... annoying. At least it was my oldest son's so we can keep it for my youngest to grow into.

    Your meal plan sounds lovely! I don't ever cook with beef unless it's minced or in steak form - your hot pot sounds delicious. Is it a specific recipe/ method you use?

    The roadwork situation sounds horrendous! I hope your husband managed to get to his class on time.
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
    • kindofagilr
    • By kindofagilr 9th Jan 19, 12:55 PM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    I have had a reply from Clarks and I am getting a full refund in the form of gift card which is fine as I can use it for my daughter's school shoes as hers have been ok, so I am pleased about that

    That is really annoying!!!! you would think they would let you exchange it!

    It was so delicious I have made this recipe three times now this is the one I use https://www.bbc.com/food/recipes/beef_hotpot_59730 I don't use the red wine, I just make extra beet stock, and I use frying steak as it comes out super tender, I tried it with diced beef the first time and it wasn't tender enough for me, the steak works out fab, and it's only £3 in A$DA I think

    I have changed tonight's meal to beef burrito's I haven't made them before (been scared of wrapping them lol) but I am going to give it a go, I didn't fancy spag bol and we have everything in for burritos

    Thankfully the traffic was fine today

    I am LOVING YNAB, I can see me using it forever, after watching the video tutorial it's just clicked, I love it

    Have a nice day all xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 10th Jan 19, 12:53 PM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    Just updated YNAB with my spends for today, went to asda for a couple of bits for tea that we needed in and grabbed some yogurt coated fruit flakes for the kids packed lunch (they were reduced, so got them from there as I normally see if poundland have them in as they are at least twice the price in asda normally) which will come out of this sunday's grocery budget.

    Done all the housework, and some washing, I am sitting down with a coffee now and watching Maze Runner Death Cure (I lose sky movies n 2 days lol)

    I am looking forward to watching Bird Box at some point this weekend, I have heard lots of good about it

    I hope everyone has a good day xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • Homegrown0
    • By Homegrown0 10th Jan 19, 1:54 PM
    • 781 Posts
    • 4,035 Thanks
    Homegrown0
    Thanks for the recipe - I find the same issue with diced beef so will be taking on your suggestion of using the frying steak! Nothing worse than chewy beef

    Productive morning in your place - enjoy some downtime!

    Glad Clark's saw sense and refunded you - next paid of school shoes is taken care of for your daughter at least and you won't make that mistake again with your son's style of shoes.
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
    • Lifeisforliving19
    • By Lifeisforliving19 10th Jan 19, 1:55 PM
    • 287 Posts
    • 1,985 Thanks
    Lifeisforliving19
    Just come across your diary and have subscribed. I am not new to the MSE boards, but have had to change my user name. It appears we have similar amount of debt, so thought it might be interesting to see how we both go on. I will be starting a new diary soon
    Good luck
    DMP 2015 £57,549, now £42,310 (26% paid)
    EF £300 Mortgage OP's this year £60
    Christmas 2019 £20 SPC #110....keeping it a surprise
    There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!

    • kindofagilr
    • By kindofagilr 11th Jan 19, 9:33 AM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    Thanks for the recipe - I find the same issue with diced beef so will be taking on your suggestion of using the frying steak! Nothing worse than chewy beef

    Productive morning in your place - enjoy some downtime!

    Glad Clark's saw sense and refunded you - next paid of school shoes is taken care of for your daughter at least and you won't make that mistake again with your son's style of shoes.
    Originally posted by Homegrown0
    Yeah chewy beef is just horrid isn't it, the only way around it I have found other than steak is doing it in slow cooker, but you end up doing most the work on the hob first so it's just easier to do it in a casserole and then in the oven, the steak was really lush, I will be adding it to our menu this week as well lol

    I am pleased Clarks saw sense too it will get her nearly 2 pairs which is good (hers were £32 and the voucher will be for £58 yay)

    Just come across your diary and have subscribed. I am not new to the MSE boards, but have had to change my user name. It appears we have similar amount of debt, so thought it might be interesting to see how we both go on. I will be starting a new diary soon
    Good luck
    Originally posted by Lifeisforliving19
    Hey lifeisliving, thanks for stopping by, I hope it all going well with you?? I look forward to you starting your diary, good luck xx

    Just back from the school run, DD had to go to school dressed as a super hero as they are starting super hero's this term (real life one's though like police etc), so she went as batgirl, looked super cute

    Not much planned today, I need to do the menu plan, and then the shopping list, and then order it, going to check what we have in the freezer first and use up some of that if I can.

    Other than that, I need to do a load of washing, and the dishes, then hoping for some chill time so I can continue making a crochet blanket for a special someone that's coming to us soon (I can't say anymore than that just yet, my brother doesn't want anyone other than immediate family to know in case something goes wrong along the way (not that anyone knows me in real life ), but I will be able to say soon)

    Have a nice day all xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 11th Jan 19, 6:14 PM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    Just done my online shop, menu for this week is:

    Sunday - Bangers, Mash and Peas
    Monday - Chicken and Chorizo Burrito
    Tuesday - Spag Bol
    Wednesday - Fish, Chips and Peas (freezer food, I don't get home till half 7)
    Thursday - Beef Hot Pot
    Friday - Grilled Cheese sarnie (I never really eat much on a friday night, I don't know why)
    Saturday - Steak, Chips and Peas

    I have changed tonight's to Grilled Cheese Sarnie as well as I don't feel too hungry xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • Nicnak
    • By Nicnak 12th Jan 19, 12:06 PM
    • 1,932 Posts
    • 11,307 Thanks
    Nicnak
    I need to do more meal planning. I haven't been prepared at all this week and my energy levels are low as a result. You have motivated me!!
    September 6th 2017 - Updated February 2019
    Credit Card £0 now: £0 Dad £1500 = £1000 Consolidation £15,000 = £9,960 Total = £25,330 £10,960 59% gone EMF #252 = £100/£1000
    Sealed pot challenge #024
    Pay off all your debts by Christmas #071
    • kindofagilr
    • By kindofagilr 12th Jan 19, 1:03 PM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    Yay I bet you can do an awesome meal plan

    Sorry if I am boring you all with my YNAB talk, but it’s so good! It’s already taught me how to check how much I have before buying and really has made me think twice about if I need something xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • Nicnak
    • By Nicnak 12th Jan 19, 6:37 PM
    • 1,932 Posts
    • 11,307 Thanks
    Nicnak
    Not boring, whatever works for you. I have never used it but looking at how it helps you makes me wonder if I should? xx
    September 6th 2017 - Updated February 2019
    Credit Card £0 now: £0 Dad £1500 = £1000 Consolidation £15,000 = £9,960 Total = £25,330 £10,960 59% gone EMF #252 = £100/£1000
    Sealed pot challenge #024
    Pay off all your debts by Christmas #071
    • kindofagilr
    • By kindofagilr 12th Jan 19, 7:53 PM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    It really works for me, if you do want to use it, this guys Video is really helpful and made me understand how it actually all works
    https://m.youtube.com/watch?v=xPVEB759gkU&fbclid=IwAR3oct_1bqAuUJlGiOMx3 EplCGz1AGyY685qphmfevtNppDHetSWk1TEi5Q

    If you click on the link in the description of the YouTube video then there is a two month free trial which is what Iím currently using but I will definitely be extending the membership. It really really has helped XX
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 13th Jan 19, 10:03 AM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    Just had my asda delivery note with actual delivery cost, so I have updated YNAB with that, my delivery pass has also come out today, so also updated (love it so much!!!)

    Logged into shop and scan and had a survey to do for 1500 points, so I have just done that, after I have scanned this weeks and next weeks shopping I will have enough points for £30 amazon vouchers, they are out of stock at the min so I will check in a few weeks, they don't tend to take long to get them in stock which is good.

    My son wants to learn to cook (he is 8) and asked me for lessons bless him, so today, he is going to be making vegetable soup for me and oh to have for lunch at work tomorrow.

    Both kids have times-tables homework to do today (they do it 5 days a week, it's just a 3 minute game where it asks them time tables, they do it three times a day, it's called Times Tables Rocks, the school give them access from year 2 (it only arrived this year though) and DD is year 1 and wanted to do it bless her so I paid for her to have a years access) which is good, I think from year 2 to year 6.

    Need to bath them both, and will put the clean clothes away while I am upstairs, I have just done the dark wash which I need to get on the radiators to dry, then need to do a towel wash (then put it in tumble dryer)

    That's it for today I think, I am hoping to have some sit down time later and work on my crochet blanket (I will post a picture when I have finished it)

    Have a nice day all xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • Nicnak
    • By Nicnak 13th Jan 19, 6:16 PM
    • 1,932 Posts
    • 11,307 Thanks
    Nicnak
    It really works for me, if you do want to use it, this guys Video is really helpful and made me understand how it actually all works
    https://m.youtube.com/watch?v=xPVEB759gkU&fbclid=IwAR3oct_1bqAuUJlGiOMx3 EplCGz1AGyY685qphmfevtNppDHetSWk1TEi5Q

    If you click on the link in the description of the YouTube video then there is a two month free trial which is what Iím currently using but I will definitely be extending the membership. It really really has helped XX
    Originally posted by kindofagilr
    Thank you xx
    September 6th 2017 - Updated February 2019
    Credit Card £0 now: £0 Dad £1500 = £1000 Consolidation £15,000 = £9,960 Total = £25,330 £10,960 59% gone EMF #252 = £100/£1000
    Sealed pot challenge #024
    Pay off all your debts by Christmas #071
    • Lifeisforliving19
    • By Lifeisforliving19 14th Jan 19, 8:12 AM
    • 287 Posts
    • 1,985 Thanks
    Lifeisforliving19
    Do you find the shop and scan works for you? I tried one of the scan sites, can't remember if it was that one or not, but it was always saying that it couldn't read the receipt properly and it was out of focus etc. Seemed to be a lot of hard work for nothing. Bit like the surveys I started, after a while they always said I was not suitable, after I was half way through them...lol
    DMP 2015 £57,549, now £42,310 (26% paid)
    EF £300 Mortgage OP's this year £60
    Christmas 2019 £20 SPC #110....keeping it a surprise
    There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!

    • kindofagilr
    • By kindofagilr 14th Jan 19, 12:39 PM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    Yeah it really works for us, this is shop and scan where they send you a barcode reader and you scan all your shopping and then plug it in via usb to your computer and transmit the barcodes of the items you have bought, we do a weekly shop and get it delivered, it takes a few mins to scan it all, and if we do that every week and upload the receipt we get 1600 points, 10,000 points is £10, so we get nearly £90 a year from that which I cash out as Amazon vouchers

    I haven't used receipthog or anything like that

    I gave up surveys too, I used to make quite a lot on them but then I stopped making as much so I just do S+S xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • kindofagilr
    • By kindofagilr 14th Jan 19, 12:42 PM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    Afternoon everyone, I am tucking into my lovely soup that the kids made me for my lunch, it is very very tasty

    I've updated YNAB as sky came out this morning, and OH bought himself a bacon sarnie for breakfast, also we got petrol this morning, so I have added all of them

    Not much else planned today other than work lol, can't wait till hometime, we are having chicken and chorizo burritos for tea we failed at being able to wrap them last week lol so we need to do better this week

    Have a nice day all xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
    POAMAYC 2016 #87 £7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £0/£2000 ~ Centre Parcs 19 Savings: £125/£500
    Emergency Fund: £50 ~ America Savings 2022: £0


    My Debt Free Diary (Link)
    • Lifeisforliving19
    • By Lifeisforliving19 14th Jan 19, 12:55 PM
    • 287 Posts
    • 1,985 Thanks
    Lifeisforliving19
    Yeah it really works for us, this is shop and scan where they send you a barcode reader and you scan all your shopping and then plug it in via usb to your computer and transmit the barcodes of the items you have bought, we do a weekly shop and get it delivered, it takes a few mins to scan it all, and if we do that every week and upload the receipt we get 1600 points, 10,000 points is £10, so we get nearly £90 a year from that which I cash out as Amazon vouchers




    I gave up surveys too, I used to make quite a lot on them but then I stopped making as much so I just do S+S xx
    Originally posted by kindofagilr

    I haven't used receipthog or anything like that


    Ooh, not tried that one. Think it was Receipt hog that I tried.
    DMP 2015 £57,549, now £42,310 (26% paid)
    EF £300 Mortgage OP's this year £60
    Christmas 2019 £20 SPC #110....keeping it a surprise
    There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!

    • kindofagilr
    • By kindofagilr 15th Jan 19, 1:23 PM
    • 6,591 Posts
    • 22,229 Thanks
    kindofagilr
    Shop and Scan is good if you can get onto it

    Woke up at 4.15am this morning and could not get back to sleep at all I gave up and got up at 5.15am, I am shattered now

    Just done my food plan for the following week:
    Sunday - Corned Beef and Potato Pie, chips and peas (have pastry and filling in the freezer)
    Monday - Fish Chips and Peas
    Tuesday - Chicken and Chorizo Burritos (they were lush so we want them again lol)
    Wednesday - Mayflower Chicken Curry and Rice
    Thursday - Beef Hotpot and peas
    Friday - Sweet and Sour chicken for OH and Thai Green Curry for me
    Saturday - Homemade Pizza

    I've wrote my list but haven't done the online shop yet, hoping to get it for £65 or less (meal planned from what we have in the house mostly) as we only have £115 in the bank (till cheque for £70 clears on monday) and we need about £60 more for petrol, so that has to last us till the 27th (so basically I need to do two weekend shops and 3 more petrol purchases on £185, which should be doable lol)

    They have asked for names for overtime for this weekend, so I have my name down for both days (they normally confirm it by thursday)

    Have a nice day all xx
    Current Debt £40,612.00/£44,856.56 ~ 02/03/19 - 9.46% Paid Off

    POAMAYC 2019 #87 £3915.85
    POAMAYC 2018 #87 £13,912.57

    POAMAYC 2017 #87 £10,380.18
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    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £82,278.27/£104,409.00 (as of 28/02/19) ~ 21.19% Paid Off

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