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  • FIRST POST
    • mumofthetwins
    • By mumofthetwins 7th Feb 18, 1:42 PM
    • 1,042Posts
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    mumofthetwins
    Debt busting misssion ..
    • #1
    • 7th Feb 18, 1:42 PM
    Debt busting misssion .. 7th Feb 18 at 1:42 PM
    Hi guys
    So I have been trying to make a decent dint in my debts for a little while but I really need to knuckle down and make those dints a whacking big hole
    So I have some cc debt a loan and my mortgage, I'm focusing on the cc debt at the minute it's on a 0% offer but that ends in October I am hoping to move any balance to another 0%

    It's me, my 2 teenage boys, and my OH (his lil boy does stay over 3 nights a week as well) .. they are all boyey boys and I do know 99% of the Star Wars characters and am up on my computer and guitar jargon lol. I do have a little girl though .. my four legged little doggy Molly (she's the most muddiest, unladylike pooch but she does add to the female numbers in the house !

    The boys are both 15 and are just starting to ask for rediculously priced clothes and shoes but luckily my dad runs carboot sales and my mam does pick up loads on there for them .. I will post some of her mega deals .. the bootsale starts up again on Sunday meaning that hopefully we will have a bag of swag on Sunday night .. yay !

    My boys both leave school next year and are very bright boys ... one is wanting to study military law and the other engineering and computer science. This is part of the reason why I really need to bust this debt, I am hoping that by the time uni comes up I will be in a much better fininacal position to help them as much as possible.

    I work 2 jobs and as many extra shifts as possible, I also eBay anything my mam picks up for me from the boot sales (can't believe some of the things people sell ) meaning some months I will have more Income than others but at the minute I am saving what I can to bust these debts.

    That's a sort of basics of our crazy Brady house ... I am really hoping that doing a DFW diary will help keep me on track ...

    Lisa x

    Editing to add monthly goals :

    Goals for April
    * 200 OP on Morg - 200/200 - Done
    * Pay 1500 into School Trip Fund - 1400/1500
    * Get CC to 5000 so 1900 to pay 905.53/1900 - Decided to switch to STF
    * Aim for 10 NSD 6/10 - 19/10 - Done
    * Try to stick within grocery budget of 250 .. will be hard as boys are on holidays and eat me out of house and home 149.35/250
    * loose 4lb in weight - 4.5lb/4lb - Done
    * Ebay like crazy to hit that audatous CC gaol - Ongoing until i run out of things lol
    * Convert to Cash Envelopes where ever possible - Done & Loving



    Goals for May ..
    * Over pay Mortgage - /200
    * Pay off CC1 - /585
    * Pay 800 off CC2 - /800
    * Aim for 15 NSD - /15
    * Stick to grocery budget of 250 - /250
    * Loose 4lb - /4lb
    * Spend as cardless as possible
    * Keep ebaying like a crazy lady lol
    Last edited by mumofthetwins; 30-04-2018 at 2:26 PM.
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
Page 3
    • mumofthetwins
    • By mumofthetwins 10th Apr 18, 9:20 AM
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    mumofthetwins
    OOOO with all my woes I forgot to mention I joined the 1% challenge last night .. sheet all printed off and attached in my DBM Diary and I have managed to colour 4 squares .. whoop !!!


    I soo love visuals, lists and ticking things off ...
    my mission may have grown a bit last night but I am determined as ever !!!


    Lisa
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • fatrab
    • By fatrab 10th Apr 18, 12:55 PM
    • 1,156 Posts
    • 4,334 Thanks
    fatrab
    Hi, just caught up with your diary and wanted to say a little piece about the bullying.

    Sooner or later it will blow over.

    My eldest, who is now 23, was born with a cleft lip and palate. He went through a bit of a rough time at one point being bullied and was subjected to various name-calling episodes while at school. I was also bullied until I was around 12 years old because of my fathers occupation (we stayed on the edge of a rough area and my dad was a policeman), so I could relate to my son's frustration and anger.

    In both cases our respective schools weren't interested. It was only if a fight broke out on school property that they got involved. In my case it resulted in me having to get into a few scuffles before things calmed down. In my son's case, I had a rather strong word with the father of the main lad concerned, who was disappointed to learn that his son was bullying others. It quickly stopped.

    I started karate lessons at 12 and did them until I was around 16. It not only taught me how to defend myself but also confidence, self-control and discipline. I'm not saying that's the right route for everyone to go down but it's certainly an avenue you could ask your sons to consider.

    I had a conversation with Mrs fatrab about bullying at the weekend as we have a 7 month old baby. We still live close to the same rough area that I grew up in and we're in the catchment area for the same primary school that I went to (although it has been rebuilt on a new site since I was there). We don't want him to be bullied nor do we want him to be too tough either. It's a very fine line.

    I'm sure everything will work out ok eventually and wish you and your sons the very best
    You can have results or excuses, but not both.
    Challenge - be 14 Stone BY XMAS!

    • mumofthetwins
    • By mumofthetwins 10th Apr 18, 1:27 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Thanks FR .. it is so stressful worrying about him and the change in him is massive. Honestly schools bang on about anti bullying but when it comes to it they are rubbish. like I have said he was burnt and scared from it in school from a bully and noting was done, DS was caught writing on the toilets wall (something he was well told off for and I think he was trying to fit in although that not an excuse) and he was suspended for 4 days .. seems stupid to me!
    My brother wanted to do the same as you but I have held him off but we have said that if it get out of hand that it might be the best option.
    I am hoping that it hasn't effected him to much as he is a very determined and intelligent child (most of the time lol) he does have his whole life mapped out and in some ways I think this has kept him on track.
    kids .. we never stop worrying about them .. I swear that's where all my grey hairs have come from lol


    Lisa
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • Drawingaline
    • By Drawingaline 10th Apr 18, 7:15 PM
    • 514 Posts
    • 1,667 Thanks
    Drawingaline
    Hi, really enjoying your debt busting diary!

    I would say that if your parents can afford to help with the upcoming trip and are offering to help, take it! Yes, it is their money, but I am sure that they would love to help with their grandkids, i am incredibly lucky with both my parents and my in laws helping, both with time and money. My mil raised her son as a single parent and now she has money she loves being able to help with her grandkids when she wasn't able to do as much for her own son while he was growing up. She also loves me as she only had the one child but has four much loved grandchildren
    • mumofthetwins
    • By mumofthetwins 11th Apr 18, 12:24 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Hi, really enjoying your debt busting diary!

    I would say that if your parents can afford to help with the upcoming trip and are offering to help, take it! Yes, it is their money, but I am sure that they would love to help with their grandkids, i am incredibly lucky with both my parents and my in laws helping, both with time and money. My mil raised her son as a single parent and now she has money she loves being able to help with her grandkids when she wasn't able to do as much for her own son while he was growing up. She also loves me as she only had the one child but has four much loved grandchildren
    Originally posted by Drawingaline
    Thanks Hun ... I know that they wouldn't mind and I have never told anyone apart from here about the debt
    I just feel bad that's all as I know they have / are working hard for the money and they do already help me in so many ways. I think I will see how it goes and if it comes to October (when my 0% rate runs out) I might need to ask them then ... hoping to have it paid by then though even with the school trip !!!128521;
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • mumofthetwins
    • By mumofthetwins 11th Apr 18, 12:44 PM
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    • 4,027 Thanks
    mumofthetwins
    Bit of a mixed morning today .. I have just found out that one of my long term friends has the horrible C .. after an all clear they have called her back next day and tests have shown its spread to a lot more places .. I am soooo gutted for her as she is such a happy smiley person. ... in a strange way it has inspired me to push even more as if that happened to me I would be so worried about this debt and leaving it to my 2 Beautiful (sometimes driving me nuts) boys.

    Not a lot listed this week on eBay but I did have a few things finish last night so another 110 whoop !
    I also had some expenses paid into my bank today so another 40 .. total of 150 and I have two items waiting for payment .. one buyer has asked if the other doesn't buy can she have both so just giving the original buyer a chance

    I have decided that for the rest of this month I'm going to keep busing my guts out but I'm gonna transfer it to a savings account then at the end of the month see what I have. CC is on 0% and if I can manage to save the money for the school trip that would be AMAZEBALLS !
    It'll then be straight back on CC busting .... gonna change my monthly goals ...
    *200 Morg OP - Done
    *95 of CC and it takes it to 1000 off this month - Done[/COLOR]
    *600 in School trip fund - [COLOR="red"]55/600
    *4lb off in weight - 2.4lb/4lb
    *10 NSD 7/10
    *Back on my Leslie Sansone workout vids .. they have always given good results so fingers crossed .. 1 Done

    So all updated and as you can see ... I lost 1lb today and another NSD yesterday(finding this really helps) ... yay mega happy dance
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • mumofthetwins
    • By mumofthetwins 11th Apr 18, 12:48 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Bit of a mixed morning today .. I have just found out that one of my long term friends has the horrible C .. after an all clear they have called her back next day and tests have shown its spread to a lot more places .. I am soooo gutted for her as she is such a happy smiley person. ... in a strange way it has inspired me to push even more as if that happened to me I would be so worried about this debt and leaving it to my 2 Beautiful (sometimes driving me nuts) boys.

    Not a lot listed this week on eBay but I did have a few things finish last night so another 110 whoop !
    I also had some expenses paid into my bank today so another 40 .. total of 150 and I have two items waiting for payment .. one buyer has asked if the other doesn't buy can she have both so just giving the original buyer a chance

    I have decided that for the rest of this month I'm going to keep busing my guts out but I'm gonna transfer it to a savings account then at the end of the month see what I have. CC is on 0% and if I can manage to save the money for the school trip that would be AMAZEBALLS !
    It'll then be straight back on CC busting .... gonna change my monthly goals ...

    *200 Morg OP - Done
    *95 of CC and it takes it to 1000 off this month - Done
    *600 in School trip fund - 55/600
    *4lb off in weight - 2.4lb/4lb
    *10 NSD 7/10
    *Back on my Leslie Sansone workout vids .. they have always given good results so fingers crossed .. 1 Done
    *GC 250 - 56.61/250

    So all updated and as you can see ... I lost 1lb today and another NSD yesterday(finding this really helps) ... yay mega happy dance
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • beanielou
    • By beanielou 11th Apr 18, 1:29 PM
    • 58,839 Posts
    • 244,161 Thanks
    beanielou
    Your totals are fab.
    Another vote for taking the help from your parents.
    If they are offering to help they are only doing it from love.
    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.***
    • mumofthetwins
    • By mumofthetwins 11th Apr 18, 1:50 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Thanks BL I am so determined and my friends health has pushed me even more
    It'll be a quiet week on the eBay front this week but I've managed to get loads on the last few days so fingers crossed for next week

    I do have a couple of larger items that I'm thinking about selling but they'll be to big for eBay so not sure what to do, ones a 3ft Coca Cola bottle shaped fridge and the other is a space invaders table ... any ideas ?

    Thanks Lisa x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • mumofthetwins
    • By mumofthetwins 11th Apr 18, 1:54 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Wooooo hooooo

    Just noticed my 1% challenge has gone up to 5% .. yay !

    That's not including Morg OP or STF
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • beanielou
    • By beanielou 11th Apr 18, 1:58 PM
    • 58,839 Posts
    • 244,161 Thanks
    beanielou
    Do you have a local Faceb00k buying & selling page?
    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.***
    • mumofthetwins
    • By mumofthetwins 11th Apr 18, 2:06 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Do you have a local Faceb00k buying & selling page?
    Originally posted by beanielou
    We do but I've tried in the past and it's a nightmare as loads don't turn up .... I suppose with trying to get as many NSD as possible it'll keep me in lol
    Other problem I had last time was friends and family seen and asked for things and I couldn't charge so hence giving it away, but I really want to get some more debt busted

    Just thought I also gave a set of Ralph Lauren cases in the loft I could put on.

    Any ideas how I can put F&F off .. sorry if I sound really mean
    Lisa x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • mumofthetwins
    • By mumofthetwins 11th Apr 18, 2:07 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Wow BL .. Just saw your signature massive well done on your Debt busting and weight loss !!
    Can't wait until I'm DF ... any top tips ?

    Lisa x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • beanielou
    • By beanielou 11th Apr 18, 2:25 PM
    • 58,839 Posts
    • 244,161 Thanks
    beanielou
    Wow BL .. Just saw your signature massive well done on your Debt busting and weight loss !!
    Can't wait until I'm DF ... any top tips ?

    Lisa x
    Originally posted by mumofthetwins
    My mantra is just keep plodding.
    I also found the payment a day thread helpful.
    Luckily my good friends & family know my financial situation & would not ask for things for free.
    Good luck
    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.***
    • mumofthetwins
    • By mumofthetwins 11th Apr 18, 2:29 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Thanks BL .. will check PAD .. I think I did that a while ago
    Lisa x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • mumofthetwins
    • By mumofthetwins 12th Apr 18, 11:42 AM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    So brand new day today and last night I fell asleep listening to Dave Ramsey's screems ... wowzers some of there acomplishments are bloomin amazing !

    So today I have tided put washing on (left as long as possible-normally would have done at least 2 loads by this time in the week) prepped tonight's dinner and I'm just about to do next weeks meal plan and my weekly shop ...
    I did manage another NSD yesterday and I'm finding not going out is really helping as this was a major downfall. I can't believe how much those bargains (that I never really needed or used) added up to from H&M and hbargains.

    I think I only need a few things so gonna try to keep as low as possible as I'm smashing my GC budget at the minute

    Back to Job#2 tonight and it's a late finish then early start for Job#1 tomorrow but I just look at it as bustingthat debt now

    I have a couple of things finishing on eBay tonight not big earners but all the pennies add up I do still have 2 things unpaid from Tuesday so may have to do unpaid item cases

    So guys have a fab day ... see ya laters x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • enthusiasticsaver
    • By enthusiasticsaver 12th Apr 18, 11:54 AM
    • 7,392 Posts
    • 16,312 Thanks
    enthusiasticsaver
    Thanks Hun ... I know that they wouldn't mind and I have never told anyone apart from here about the debt
    I just feel bad that's all as I know they have / are working hard for the money and they do already help me in so many ways. I think I will see how it goes and if it comes to October (when my 0% rate runs out) I might need to ask them then ... hoping to have it paid by then though even with the school trip !!!128521;
    Originally posted by mumofthetwins
    We often help our 2 DDs with various things as I remember how expensive it is to bring up children and how tight money was when we were bringing up ours. I think if they offer then take the offer in the spirit it was offered.

    You sound like my DDs though when we offer to pay for things in that they tell us to keep it for ourselves. The thing is though that helping them out doesn't stop us affording to do things we want to and we just hope one day they will be in a position to help out their kids. My mum helped us so it is just payback really. I am sure your parents feel the same way. You sound like a very caring mum and daughter.
    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
    • mumofthetwins
    • By mumofthetwins 12th Apr 18, 3:11 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Thanks ES I know my parents did have it really hard when they first married and when I was young and I think it's due to this that they have done so well now .. that and the moral do not buying if they can't pay for it there and then.
    You are right I know they like to help and I do get a lot of help from them in other ways ... when ex left they picked everything up for me and the boys, we lived with them a few months while my house was getting redone as I had sold the other house and had no where else to go. They also help with child care (even though they are teenagers) and my dad is more like a father to the boys than there own dad I have just always figured that they do so much in other ways that unless I am mega desperate I don't want to ask for any loans.
    I'm going to see how far I get this month and next on saving for the school trip fund and if I can't do it I known they will help.

    On a separate note I'm lost today only 4 ebay things finishing .. 2 sold but not paid ... I'm hoping they pay today as then I can make my PAD

    Lisa x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • mumofthetwins
    • By mumofthetwins 12th Apr 18, 10:07 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Managed to make a PAD today ... 30 to the STF ... woooo hooo I had 2 ebay payments still waiting for one fIngres crossed for tomorrow

    I'm knackered now .. just finished my paperwork for Job#2 and had dinner .. time for bed (and a bit more Dave Ramsey) and off to work early in the morning

    See yours all tomorrow .. x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • mumofthetwins
    • By mumofthetwins 13th Apr 18, 9:09 AM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Well early morning this morning and already made a fab start at work this morning .. just stopped for a cuppa and I thought I would say hi


    It will be a busy day today as straight from here to Job#2 (I do love job#2 though) but then one shift n the morning then day off on sunday .. soooo cant wait lol.


    I so need to make my PAD today but I only have one ebay item waiting for payment so .. I think im going to have a check in purse to see what I have and pay into bank on the way home to cover it .. OML it is addictive lol


    im hoping to have NSW - no spend weekend .. fingers crossed


    Hope everyone has an amazing Friday ... Lisa x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
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