Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • mumofthetwins
    • By mumofthetwins 7th Feb 18, 1:42 PM
    • 1,042Posts
    • 4,026Thanks
    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 4
    • mumofthetwins
    • By mumofthetwins 13th Apr 18, 3:00 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    So just came home from Job#1 and found out that DS has been complaining to grandad about the broken dishwasher (it's been broken for a year) and the fact he has to do dishes everyday .. oh the woes lol
    So I now have a new dishwasher due to be fitted tomorrow ... DPs won't take any money and it is a really nice thing to do but now I'm going to have to explain that it isn't run until full and if only a plate and cup is used to wash it by hand otherwise my electric will be crazy .. suppose for them to run it they would need to bring cups downstairs .. don't know why but plates are always brought straight down but cups ... I'm sure they think the magic fairy does it lol

    So yay on the new dishwasher and I'm still cautious on the electric useage (it does have an eco wash ?)

    Off to job#2 soon after a quick cuppa ...

    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 13th Apr 18, 8:26 PM
    • 56,839 Posts
    • 231,467 Thanks
    beanielou
    Happy new dishwasher
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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. MFW 2018. No 144
    • mumofthetwins
    • By mumofthetwins 13th Apr 18, 8:45 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Thanks BL it's been that long I think I'm to used to the washing up lol !!!55357;!!!56834;

    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 15th Apr 18, 11:56 AM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Hi guys .. hope everyone is having an AWSOME WEEKEND !

    It's been pretty quiet on the DBM for me just working cooking and cleaning
    I have managed to sort through all my finances though ...
    I have set u a real budget, including everything from kids guitar lessons to council tax (in the past some of the extras I would just pay as and when but I have decided(with the help of a lot of you tube videos) that I'm going to do the envelope method as far as possible.
    I have also took all the general finances and sorted all paper work policies and such into a recycled expandable file .. I feel soooo much better lol
    Another thing I've done it draw up some countdowns .. so I now have a budget planner with everything listed and allowances to be made to each. And then my new fave section ... the countdown charts so for every 100 paid off I Colour a square .. and so chuffed to see 10 lovely coloured squares on my cc countdown, 2on my Morg ops, and 1 on the trip fund (gonna have more next week)

    So although I've not made money for my DBM I haven't spent anything this weekend so win win and now I am so organised I feel a million percent better ... I have even allocated a side board cupboard for my finances .. whoop

    So have a fab day guys and enjoy the sunshine

    Lisa x
    Last edited by mumofthetwins; 15-04-2018 at 1:27 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
    • mumofthetwins
    • By mumofthetwins 16th Apr 18, 9:06 AM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Good morning guys ... brand new day and a brand new shiny DBM week ahead !!




    Balanced my books this morning and made a 50 transfer to STF YAY
    I've got a mega week this week work wise and I have loads to list and loads finishing on ebay ... so its a busy one hopefully it should be a good DBM week


    Managed the NSW and have exceeded my goals for that .. im hoping to get through until Thursday and do my main shop then .. pinkies crossed.


    have a fab day everyone and enjoy the kids being back to shool .. woooo hoooo


    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 19th Apr 18, 4:32 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Wowsers it's been a busy couple of days with work work and eBay ....

    I've managed to knock another 200 into the STF making it 400 this week
    Hopefully I should have more tomorrow as a few more things finishing tonight

    I've started the envelope system and it seems to be going well .. I sort of wish that I'd started at the beginning of the month but I figure it's better to start early and be a bit all over for a few weeks and make some headway rather than put it off ... gotta say I can't believe all the things that I never really accounted for.
    Today was my first use of the envelopes as I went for our weekly shop ... I was well within the 50 budget and I managed to get loads of chicken breast for the freezer whoopsied I needed some but managed to stock up and stay in budget !
    I have a payment coming in tomorrow so should cover this months Guitar lesson fees, petrol and haircut envelopes.
    The NSD are doing fab .. today I had to spend on the weekly shop but hoping for another NSW ... I'm going to do the garden so hopefully this should keep me busy. I do need a spike for the rosary washing line my Mam has gotten me but I'm hoping to find one in my dads shed ... fingers crossed otherwise no NSW ... but it will save money for drying and you can't beat whites that have had the sun to them

    So guys have a good one and hopefully check in. Tomorrow with more to put in the 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 19th Apr 18, 4:35 PM
    • 56,839 Posts
    • 231,467 Thanks
    beanielou
    All sounding good
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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. MFW 2018. No 144
    • mumofthetwins
    • By mumofthetwins 23rd Apr 18, 12:28 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    So I managed a NSW this weekend and busted another 50 into the STF .. whoop !!
    My mam had a spike for the washing line and im hoping my new shiny line will be all ready to go when I get home (my dad is the bestest )
    I have a few things finishing on ebay this week so fingers crossed and I have a payment going into the back on Wednesday which should all be allocated to the STF .. im hoping to get this cleared early next month .. pinkies crossed
    The envelopes are going great and I have topped up this coming months from my smaller payments in the bank today .. they come in every 4 weeks so works well for my Groceries as I have split into weekly amounts.


    Another sparkle of light was that I found a old asda recipt in my purse which when checked online had a voucher for 2.32 .. yay .. I normally stop here for my bread as lidl don't sell it and normally manage to get a couple of whoopsied bits so have stashed in my purse along with the voucher for my ice cream which is so over priced I still probably wont buy it lol.


    on the boys front .. DSs went out shopping with their dad this weekend .. and DS1 decided to buy a top for 95 !! he told his dad he had the money at home and would pay him when he came home ... well ExH said he would pay half as he still hasn't gotten them an easter egg but that's still nearly 50 on a top .. its his money but ive made it clear when its gone its gone. .. what has really gotten to me though is that DS2 still hasn't had anything for easter and because he didn't want to spend silly amounts on clothes his did didn't give him anything ... what a plonker !! DS2 had told his dad he would rather save the money until there was something he wanted and could he just have it to put in his savings .. well nope was the answer .. what a way to teach your kids .. I knew there was a reason why hes an ex lol


    Have a fabulous week everyone and don't do anything I wouldn't
    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 24th Apr 18, 8:57 AM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    WOOOOHOOOO another 50 into the STF this morning from yesterdays sales


    Yesterday was a busy day with work and guitar runs but I did manage to pack my ebay stuff and list another 30 items ready to start this week .. whoop


    I did come home to a letter stating that my bank account fee was going up .. not sure what to do .. I don't have an overdraft and I only use the travel insurance .. think im going to price up the travel insurance and take it from there ..
    have a fab day guys 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 24th Apr 18, 9:39 AM
    • 56,839 Posts
    • 231,467 Thanks
    beanielou
    Good news on the 50quid & on the idea to price the travel insurance.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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. MFW 2018. No 144
    • mumofthetwins
    • By mumofthetwins 24th Apr 18, 11:10 AM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    thanks hun ... ive just priced it and its 25 for annual cover .. so that me stopping at the bank on the way home


    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 24th Apr 18, 11:22 AM
    • 56,839 Posts
    • 231,467 Thanks
    beanielou
    thanks hun ... ive just priced it and its 25 for annual cover .. so that me stopping at the bank on the way home


    lisa x
    Originally posted by mumofthetwins
    Great result
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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. MFW 2018. No 144
    • mumofthetwins
    • By mumofthetwins 25th Apr 18, 2:50 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    So Boom ... another 600 paid to my STF today .. whoop !!!! And I've got a couple of eBay bits finishing tonight and tomorrow so fingers crossed ...

    I did manage two workouts this morning and it's the first time use of my new washing line .. simple things and all that lol

    I have dinner all prepped as I'm at Job #2 tonight and hopefully there will be loads to package when I get home

    I didnt manage a NSD today but needed the pegs for my new washing line and as that has cost 0 I'm sure I can stretch to 2.40 for loads of pegs

    Have a fab day guys

    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 25th Apr 18, 3:09 PM
    • 56,839 Posts
    • 231,467 Thanks
    beanielou
    Wow, to another 600
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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. MFW 2018. No 144
    • mumofthetwins
    • By mumofthetwins 26th Apr 18, 3:51 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Last nights sales have all paid up and it's another 100 into STF ... with an extra 20 in PayPal to add to tonight's sales ... honestly if it isn't nailed down it's listed lol
    I have 300 left until the STF is paid and can't wait ... I would love to do that by the end of next week .. fingers crossed
    A few things have bids on which are finishing tonight and Sunday ... it's funny how addictive ebay can be lol oooooo bids are popping up as I type .. come on ... I need 300 eeeeeeee geet excited (hangs head in shame lol)

    So on the other front things are all ticking along nicely ... I went to the shops today fully loaded with my weekly cash and came back with change .. I have started the clip system in my purse .. I use the binder style clips (I think they are called that) they are colour coded one is food, one is my fund, one is petrol .. all other cash is in the envelopes at home ready for the week I need them. I have to say CASH IS KING .. it's sooo much easier to budget and I'm not worried about having any unexpected bills or big lots needing to go out.

    Boys are due in any time .. one has extra maths class tonight as he is doing the further maths papers next year and stays back. Just going to make dinner and it's ham and cheese omelettes for them and I have some meatballs that I have cooked for after work tonight which should last for a few meals

    Oooo while I think my mams neighbour came the other day with 10kg of chicken breasts for 16 but they were frozen .. I bought them and put them in the freezer but need to figure out how to break them up ?? He has a meat company and regularly asks if they want anything ... I use loads of chicken so win win ... if I can ever get it broken up lol

    So I think that's it for now .. fingers crossed for eBay tonight ...

    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 26th Apr 18, 4:02 PM
    • 56,839 Posts
    • 231,467 Thanks
    beanielou
    Please remind me what STF is
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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. MFW 2018. No 144
    • mumofthetwins
    • By mumofthetwins 26th Apr 18, 5:01 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Hi BL .. it's the boys School Trip Fund as they are going to Germany with school in July .. my parents said they would help but I'm determined to save it myself and I'm nearly there .. whoop !!
    Once I've done this it's then back to the "debts" .. as DR would say in Gazelle intense lol
    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 26th Apr 18, 8:48 PM
    • 56,839 Posts
    • 231,467 Thanks
    beanielou
    Thanks.
    Your totals for that are awesome.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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. MFW 2018. No 144
    • mumofthetwins
    • By mumofthetwins 26th Apr 18, 10:22 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Wooooo hoooo .. just had a couple of good ebay sales ... 150 into the STF and still waiting for some people to pay ... I'm sooo close I can smell the first debt busted . Lol
    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 26th Apr 18, 10:23 PM
    • 56,839 Posts
    • 231,467 Thanks
    beanielou
    Wow, that is just awesome.
    You are on a roll
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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. MFW 2018. No 144
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,469Posts Today

8,203Users online

Martin's Twitter