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  • FIRST POST
    • mummytogirls
    • By mummytogirls 29th Jan 18, 7:49 PM
    • 6,403Posts
    • 24,618Thanks
    mummytogirls
    Mummytogirls - taking the scenic route
    • #1
    • 29th Jan 18, 7:49 PM
    Mummytogirls - taking the scenic route 29th Jan 18 at 7:49 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 24
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 4th Feb 19, 8:14 PM
    • 8,903 Posts
    • 69,277 Thanks
    HairyHandofDartmoor
    I'm glad you're not letting him make you unhappy, that's the spirit . Your girls are lucky to have one unselfish parent who is putting them first .
    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 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £0
    • mummytogirls
    • By mummytogirls 27th Feb 19, 6:53 PM
    • 6,403 Posts
    • 24,618 Thanks
    mummytogirls
    Evening Diary,

    Wow nearly a month has gone by without me posting. I do mean to but struggle to find the time sometimes!!

    Me and the girls are ok and enjoying our lives , can't really report on too much at the moment but I have a couple of plans which I'm trying to finalise.

    Got up this morning to a fraudulent transaction on my debit card . Rung the bank and got it sorted anyway thank god. Worries me to think I could have had my account cleared out as I only got paid yesterday! Now without a debit card until my new one comes but it will save me spending .

    Things still tight but were managing and enjoying ourselves a little too.

    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 27th Feb 19, 7:07 PM
    • 7,022 Posts
    • 50,967 Thanks
    Sun Addict
    There you are, been wondering how you're getting on. Glad all is ok apart from the fraudulent transaction, thank goodness you got it sorted.

    So pleased you and the girls are enjoying your lives xx
    Virtual Sealed Pot 2019 £201.59
    Weight loss 7.5/9LBS
    Emergency Fund £3260/£10,000
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 27th Feb 19, 7:28 PM
    • 9,648 Posts
    • 60,268 Thanks
    please-let-me-be-lucky
    Glad all is going ok. You are a wonderful role model to your girls Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    Best win so far - holiday to Florida
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 27th Feb 19, 7:36 PM
    • 8,903 Posts
    • 69,277 Thanks
    HairyHandofDartmoor
    I'm very pleased that you're getting on okay and enjoying life MTG, I was wondering how you were .

    Let us know all about your plans for the future once you finalise them .
    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 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £0
    • mummytogirls
    • By mummytogirls 10th Mar 19, 11:48 AM
    • 6,403 Posts
    • 24,618 Thanks
    mummytogirls
    Good Afternoon Diary,

    Hope you're all ok! Just popping in to say hello really.

    Not got too much to report, had about 4 NSDs this week which I am pleased with!!!

    Other than that still just plodding on by. Just waiting for the TD to finish so that I can get the girls uniforms sorted for tomorrow.

    Catching up with about 6 ML money shows which have been saving up in the sky box for a while!!!

    Happy Sunday xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Mar 19, 11:53 AM
    • 8,903 Posts
    • 69,277 Thanks
    HairyHandofDartmoor
    Glad things are okay. Enjoy watching Martin's shows .
    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 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £0
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 10th Mar 19, 1:14 PM
    • 9,648 Posts
    • 60,268 Thanks
    please-let-me-be-lucky
    Fast forward the one I’m on .

    If it’s not too rude to ask, how’s the dating going? Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    Best win so far - holiday to Florida
    • WannabeFree
    • By WannabeFree 10th Mar 19, 3:59 PM
    • 3,500 Posts
    • 32,815 Thanks
    WannabeFree
    Glad to see you popping in and everything is going well.

    You and the girls look so happy in your photos. You are an amazing Mum

    Take care

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
    • Sun Addict
    • By Sun Addict 10th Mar 19, 8:11 PM
    • 7,022 Posts
    • 50,967 Thanks
    Sun Addict
    Glad you're ok. Looking forward to you pegging out in the near future LOL xx
    Virtual Sealed Pot 2019 £201.59
    Weight loss 7.5/9LBS
    Emergency Fund £3260/£10,000
    • mummytogirls
    • By mummytogirls 11th Mar 19, 3:23 PM
    • 6,403 Posts
    • 24,618 Thanks
    mummytogirls
    Good Afternoon diary,

    Just popping in as id seen a couple of replies and just waiting for my tea to cook! Ive been working from home today as DD1 was sick this morning so worked through lunch and now I could eat my own arm .

    Thank you for your replies HHOD, WF, PLMBL and SA

    PLMBL, its still going well he's so good to me and wants to pay to take me out all the time! I do not let him pay for me all the time though, I do pay my way too.

    Thanks WF, they are so happy most of the time!!!

    So I can update you a little on my news the other week now Ex-DH knows. I have been accepted in principal a mortgage on the house without DH. Cant remember if I told you he was requesting in January for his name off the mortgage and a divorce. I need him to agree to a few things so will see what happens. Worse case scenario I will sit tight here until at least DD2 is 18. Will keep you informed as and when anyway.

    Happy Monday all xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Mar 19, 3:59 PM
    • 8,903 Posts
    • 69,277 Thanks
    HairyHandofDartmoor
    That's great news MTG if you can get the mortgage in your name on the house . I hope it all goes through for you. Your ex is a fool .
    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 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £0
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 11th Mar 19, 4:09 PM
    • 9,648 Posts
    • 60,268 Thanks
    please-let-me-be-lucky
    Really happy for you, you deserve it Xx

    Hope DD1 is better soon though Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 11th Mar 19, 5:04 PM
    • 62,666 Posts
    • 271,530 Thanks
    beanielou
    Hope the mortgage works out
    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.***
    • mummytogirls
    • By mummytogirls 11th Mar 19, 6:57 PM
    • 6,403 Posts
    • 24,618 Thanks
    mummytogirls
    Thanks all, I'm expecting something to go wrong along the way but keeping my fingers crossed at the same time!!! If I could reduce the amount of things he can cause trouble over then thats a good thing surely!!!

    Will keep you up to date xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Sun Addict
    • By Sun Addict 11th Mar 19, 8:27 PM
    • 7,022 Posts
    • 50,967 Thanks
    Sun Addict
    It would be good if you could get him off the mortgage, fingers crossed. Glad the new man is treating you well If he messes you about he'll have us to answer to, we'll beat him up LOL

    Have a good week xx
    Virtual Sealed Pot 2019 £201.59
    Weight loss 7.5/9LBS
    Emergency Fund £3260/£10,000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Apr 19, 9:35 PM
    • 8,903 Posts
    • 69,277 Thanks
    HairyHandofDartmoor
    I hope things are all right with you MTG. How are you getting on?
    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 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £0
    • mummytogirls
    • By mummytogirls 16th Apr 19, 3:29 PM
    • 6,403 Posts
    • 24,618 Thanks
    mummytogirls
    Afternoon Diary,

    Sorry I've been awol life just continues to get in the way.

    So still no further forward with the house situation as ex wants to get a consent order for the money (which is a sensible option). Only thing is in order to do this you need to be at decree nisi stage of divorce. I have sent off the paperwork on Friday and will await the next stages now. Im also considering selling the house and downsizing as as much as I love this house it is expensive to run and it would make sense to start afresh in something smaller.

    In the meantime the girls and I are budgeting but enjoying ourselves.

    DD1 isn't very well, had her to the doctors this morning but they've said its just viral. DD2 is with ex for the afternoon although she wasn't thrilled at the prospect of another dog walk along the moors!
    Had to remind ex this morning when he was complaining of having no money that he chose this path and that he needs to just get on with it! They have 4 times a much as I earn coming into their house so they need to just stop whinging as if he's struggling, how does he think I'm getting on!

    The new man is going well , the girls have met him and they all get on very well. He is very good to me and we enjoy our time together .

    Ive been selling a few things on 3bay... sold some Ugg boots which ex bought me which I never liked so wore about 5 times! May aswell rather than just having them in the wardrobe gathering dust.

    I hope everyone is ok xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Apr 19, 4:10 PM
    • 8,903 Posts
    • 69,277 Thanks
    HairyHandofDartmoor
    I'm glad things are going well for you MTG . You sound so positive, unlike your ex who sounds like a bit of a whinger!

    I hope the divorce comes through soon so you can sort out the house. Maybe downsizing would be best to make things more affordable, but make sure you like wherever you live (including the neighbourhood).

    I hope DD feels better soon.
    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 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £0
    • mummytogirls
    • By mummytogirls 16th Apr 19, 7:15 PM
    • 6,403 Posts
    • 24,618 Thanks
    mummytogirls
    Thanks HHOD. I don't plan on moving far tbh. I really love my local area and I know so many people so hoping to stay in the village xx
    Mummytogirls x

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