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  • FIRST POST
    • mummytogirls
    • By mummytogirls 29th Jan 18, 8:49 PM
    • 6,338Posts
    • 24,009Thanks
    mummytogirls
    Mummytogirls - taking the scenic route
    • #1
    • 29th Jan 18, 8:49 PM
    Mummytogirls - taking the scenic route 29th Jan 18 at 8:49 PM
    Evening Diary,

    Well there seems to be so many diaries being deleted at the moment I have decided to start a new one to try and preserve my history on here.

    My first diary can be found here: http://forums.moneysavingexpert.com/showthread.php?t=2311479&page=265

    So I started in March 2010 and it hasn't always been an easy route but weve managed to pay off quite a bit of our debt and we stand at £6069.37 today. We probably could have paid the debt off my now but we are enjoying our life (taking the scenic route) with our two girls (now aged 11 and 9). They are growing up too fast before my eyes, wish time would slow down a bit.

    So feel free to join my ramblings... usually about my MSE ways, what I eat and the all important pegging out in the summer .

    Mummytogirls xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
Page 19
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 19th Sep 18, 9:03 PM
    • 6,525 Posts
    • 47,413 Thanks
    HairyHandofDartmoor
    Good news about an extra £9 and less ironing.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Starmummy
    • By Starmummy 20th Sep 18, 10:55 AM
    • 277 Posts
    • 1,326 Thanks
    Starmummy
    Just having a little (big) catch up on your diary MTG.

    I love how 'every day' it is. Following the little things makes it feel like i'm listening to a friend.
    an extra £9 in your pay packet is a nice surprise.

    Take care
    SM
    debt consolidated 16/8/18 £11,917.34/£12,618.12 (Total debt at LBM c..£19.5k)
    EF savings £700.06 House Deposit (LISA) £492.51/£12,000 4%
    • Sun Addict
    • By Sun Addict 20th Sep 18, 8:50 PM
    • 6,429 Posts
    • 44,870 Thanks
    Sun Addict
    £9 extra - it's your round
    Virtual Sealed Pot 2010 £21.63
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • mummytogirls
    • By mummytogirls 23rd Sep 18, 12:01 PM
    • 6,338 Posts
    • 24,009 Thanks
    mummytogirls
    Good Afternoon Diary,

    I hope you guys are all keeping well . The weather is about to get nice again here... like not exactly cracking the flags but no rain is just a bonus .

    So I've had a busy week (when do I not!) and was out yesterday afternoon which got messy and was home in bed for 9 . Feel ok today so thats good at least. Spent a bl00dy fortune though.
    Today I haven't ventured far from bed but do need to pop to Mr T's for gravy or else out tea will be a fail. Might think about that after another cuppa.

    Thank you HHOD, SM and SA... the £9 wouldn't have even bought a drink in yesterdays bar .
    SM thats such a lovely post thank you .

    Need to do some ironing today as I didn't catch it coming out the TD .
    Other than that and cooking sausage and mash I'm not doing a right lot else!!!

    Hope all ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Sun Addict
    • By Sun Addict 23rd Sep 18, 8:40 PM
    • 6,429 Posts
    • 44,870 Thanks
    Sun Addict
    Glad you had what sounds like a rather decadent afternoon

    Have a fab week xx
    Virtual Sealed Pot 2010 £21.63
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • Sun Addict
    • By Sun Addict 10th Oct 18, 9:16 PM
    • 6,429 Posts
    • 44,870 Thanks
    Sun Addict
    Hope all is ok MTG xx
    Virtual Sealed Pot 2010 £21.63
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • mummytogirls
    • By mummytogirls 13th Oct 18, 5:15 PM
    • 6,338 Posts
    • 24,009 Thanks
    mummytogirls
    Good Afternoon Diary,

    So sorry I haven't been posting, life has just been absolutely hectic here with work, kids, kids activities, trying to keep up with the gym etc etc! Just catching up with last nights corrie , finances and you guys . Multitasking at its finest .

    This weekend weve not really got much on so chilling out which is much needed. Kids have had their eyes tested today and we watched DD1 play football this morning but other than that its been nice and calm.

    Just under 2 weeks until pay day, can't wait for pay day!!! Everything's getting a bit tight now all the bills have gone out etc. Have got money put to one side for DD1s birthday presents which we will probably buy in the holidays.

    Hope everyones ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 27th Oct 18, 7:06 PM
    • 6,525 Posts
    • 47,413 Thanks
    HairyHandofDartmoor
    I hope you're having a good weekend MTG.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Nov 18, 9:23 PM
    • 6,525 Posts
    • 47,413 Thanks
    HairyHandofDartmoor
    How are things MTG?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Sun Addict
    • By Sun Addict 11th Nov 18, 10:08 PM
    • 6,429 Posts
    • 44,870 Thanks
    Sun Addict
    Hope all is ok xx
    Virtual Sealed Pot 2010 £21.63
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • mummytogirls
    • By mummytogirls 8th Dec 18, 9:14 PM
    • 6,338 Posts
    • 24,009 Thanks
    mummytogirls
    Evening Diary,

    Just dragging my sorry @ss back here after nearly 2 months away.

    I had started straying from posting following my return to work in September and life got in the way.

    Then 2 weeks ago DH (now EX) dropped a bombshell which saw my whole life and what I believed to be true turned on its head. He has now left the house so its just me and the girls.

    I have lost nearly a stone in that time and probably lost quite a bit of sleep too.

    Today is the first day I feel a bit better and I've managed to eat 3 meals today. This is one rollercoaster I really would love to get off.

    The girls have been ok. DD2 has taken it the worse but they've got their strong mamma to get them through. Really don't know where some of my strength has come from. I have managed to go to work every day, keep my house clean and get them through so far.

    Anyway, I'm back! Things will be tight but hoping if I qualify for Universal Credit this will help things. I have applied today but can't see to verify myself as it keeps timing out so will try again tomorrow and ring Monday if needs be.

    Hope everyones ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • beanielou
    • By beanielou 8th Dec 18, 9:17 PM
    • 58,966 Posts
    • 244,904 Thanks
    beanielou
    Sorry to read your news.
    As you say you are strong woman
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • WannabeFree
    • By WannabeFree 8th Dec 18, 9:19 PM
    • 2,051 Posts
    • 18,695 Thanks
    WannabeFree
    So sorry to hear MTG, I have loved seeing your posts on Insta. You know I'm only a message away if you need anything!

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Dec 18, 9:20 PM
    • 6,525 Posts
    • 47,413 Thanks
    HairyHandofDartmoor
    I'm so sorry MTG . What an awful shock for you .

    You sound as if you're coping superbly and making it less difficult for your girls. But do take time for yourself, because it's such early days and you will have many ups and downs.

    Do you have your parents or any other family nearby to support you?

    I'm so glad you're posting on here again because the people on here are so kind and supportive. I've had so much help from the people who follow my diary after losing my mum, and I know you will too. X
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • mummytogirls
    • By mummytogirls 8th Dec 18, 9:21 PM
    • 6,338 Posts
    • 24,009 Thanks
    mummytogirls
    Thanks Beanie and WF

    This has made me realise just how many fantastic family, friends, colleagues and neighbours I have. Theres got to be a testament in there somewhere xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • mummytogirls
    • By mummytogirls 8th Dec 18, 9:22 PM
    • 6,338 Posts
    • 24,009 Thanks
    mummytogirls
    Thanks HHOD. Yes I have lots of supportive people backing me every step of the way.

    It just came as such a bolt out of the blue, I think I might still be in a bit of shock!

    I hope you're ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Dec 18, 9:37 PM
    • 6,525 Posts
    • 47,413 Thanks
    HairyHandofDartmoor
    I'm glad you've got lots of support MTG because you'll need it. I'm not surprised you're still in shock, it's such a life changing event.

    We'll all be here too to support you when you need it .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Eager_Elephant
    • By Eager_Elephant 9th Dec 18, 9:25 AM
    • 4,508 Posts
    • 26,318 Thanks
    Eager_Elephant
    Anyway, I'm back! Things will be tight but hoping if I qualify for Universal Credit this will help things. I have applied today but can't see to verify myself as it keeps timing out so will try again tomorrow and ring Monday if needs be.
    Originally posted by mummytogirls
    Sorry to read that life has changed for you and the girls, it is difficult to cope when things are turned upside down but you are strong and amazing and can cope with what life throws at you.

    I wouldn't bother with the verification stuff as you have to take all your documents to your first UC appointment anyway I managed to complete verification once with someone which took ages and then they had to take the documents in anyway.

    Just click the bit that says I cant verify and get your claim submitted asap.
    You will then have to ring to book an appointment to see your work coach and also take in all your documents etc

    If you need any help give me a shout - happy to help with benefits or anything else
    Ninja Saving Turtle No. 1 for August
    NSD - 9/15
    (up to 12/8/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Sun Addict
    • By Sun Addict 9th Dec 18, 9:36 AM
    • 6,429 Posts
    • 44,870 Thanks
    Sun Addict
    Sorry to read your news MTG but glad you're getting some support and back posting.

    It's amazing where you get the strength to cope when bad things happen but you just do. Your girls will keep you going.

    Look forward to following your new journey. Take care xx
    Virtual Sealed Pot 2010 £21.63
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • mummytogirls
    • By mummytogirls 9th Dec 18, 10:16 AM
    • 6,338 Posts
    • 24,009 Thanks
    mummytogirls
    Good Morning Diary,

    Well I'm up and feeling ok again today. 6.15am seems to be my new get up time though which I'm not too pleased with!! The plus point is getting things organised.

    EE, thank you for your support, I may call on you at some point as this is totally new to me. I have managed to verify this morning. Im going to ring tomorrow and book an appointment. Do you know what it entails? I mean I am in work so don't need help finding work or anything.

    SA, thank you. Again really appreciate your support.

    Thank you to all of you who have come to offer me support, I really do appreciate each and every one of you.

    So he will collect the children at 12 as he is taking DD1 to try out a guitar which she would like for Christmas.
    I am going to nip to Mr M's as they have some chocolates on offer and I need some selection boxes too. Trying to keep spending as low as possible for obvious reasons.

    Ive taken some sausages out of the freezer so that will be the first full meal I will have cooked us without him here. We have been eating but its been more like chicken pittas, egg on toast etc.

    Last week was all over the place and the kids have taken full advantage by not going to bed on time, not listening, not doing homework and I've told them we are getting back on track for next week.

    Off to catch up with diaries now xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
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