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  • 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 6
    • mumofthetwins
    • By mumofthetwins 7th May 18, 9:53 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Another 50 off the CC via eBay sales .. whoop !
    Mind I did have a bit of a speedy bank holiday weekend as we went to my dads car boot sale .. luckily the wages I made helping paid for some of the things I bought and the difference I already had put to one side .. food wise I packed a few things for me (trying to stick to diet) and my mam and dad sorted the boys and took us out to lunch

    I got some amazing bargains .. washing machine is on they will be on the line overnight ready for tomorrow

    On a plus I never did the food as usual on Thursday due to us being away meaning this weeks grocery envelope still has the full weeks shop money in and I only need to get enough until Thursday ... I might even try just picking up essentials and seeing how much I can get away with not spending lol

    So cracking bank holiday for me (apart from the sunburn) ... hope everyone has had an amazing time .. booo back to work tomorrow 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 7th May 18, 9:55 PM
    • 56,771 Posts
    • 230,895 Thanks
    beanielou
    Good news on the 50 quid to the credit card
    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 9th May 18, 2:18 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Chuffed to bits .. another 135 to CC1 and I've cleared it .. whoop !!!
    Next step CC2
    BL .. thank you so much for commeting .. it so helps

    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 9th May 18, 3:52 PM
    • 56,771 Posts
    • 230,895 Thanks
    beanielou
    Excellent
    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 14th May 18, 10:56 AM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Bit of a quiet end to last week but back with a bang this morning 300 busted from the debt today .. whoop !!
    I have a few ebay things finishing tonight so fingers croseed for a bit more tomorrow ..
    this is soooooo addictive lol


    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 14th May 18, 10:06 PM
    • 56,771 Posts
    • 230,895 Thanks
    beanielou
    300 is great
    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 14th May 18, 10:32 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Well tonight went a wee bit better than expected and it's 400 onto CC2 ... woooo hoooo im sooo chuffed
    It's been a bit manic this last week with so much work and eBay as I did list loads last week but I'm feeling pretty darn chuffed with it this week

    I'm almost at my monthly target for CC2 and I have wages paid tomorrow, only a small pay but after leaving enough to cover the bills hopefully I should have enough to hit my may target ... fingers crossed.

    I'm finding writing everything here is really helping to keep me going as well .. so thanks BL for all the encouragement

    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 14th May 18, 10:40 PM
    • 56,771 Posts
    • 230,895 Thanks
    beanielou
    My pleasure
    Another fantastic total
    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 15th May 18, 11:48 AM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Another 100 into the CC2 fund .. that means that I have hit my May goal so all now is a mage bonus ... whoop !!




    I have a couple of things finishing tonight but its mega busy day .. j!!! then j!!! tonight and hopefully some ebay packaging tonight as well


    so one chuffed lisa here
    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 15th May 18, 5:41 PM
    • 56,771 Posts
    • 230,895 Thanks
    beanielou
    Well done
    Only half the way through the month too!
    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 15th May 18, 11:00 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Whoop another 100 over .. in the words of mr Ramsey I'm 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
    • mumofthetwins
    • By mumofthetwins 17th May 18, 3:24 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Mixed day for me today ... my car alarm went off last night so I jumped up and I 5hink I've pulled something in my back .. it's killing plus note car was fine .. stupid bloomin car !
    Good night of sales last night .. another 200 onto my CC2 .. tonight's the last night of this weeks sales and I can't wait to see how it does .. I think it's the best week I've ever had lol ... loads of debt busted and I'm mega focused .. whoop !
    With hurting my back I've had to call my boss and I'm only doing a reduced shift tonight and I'm hoping it's better by tomorrow as I have a very important seminar tomorrow morning .. fingers crossed. My ma. Has given me some heat pads so I'm going to try one of those for tonight along with a mix of pain killers

    So off to update my sig .. wooo hoooo
    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 17th May 18, 9:11 PM
    • 56,771 Posts
    • 230,895 Thanks
    beanielou
    You are smashing that credit card
    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 18th May 18, 4:00 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Thanks BL ... just made another 200 transfer over after last nights sales ... I do have a couple of awaiting payments so fingers crossed for a little bit more over the weekend

    I am soooo chuffed with how it's going

    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 18th May 18, 5:48 PM
    • 56,771 Posts
    • 230,895 Thanks
    beanielou
    So you should be chuffed.
    Your totals are amazing.
    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 May 18, 9:25 AM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Bit of a manic week this week as had loads to list on ebay and busy at j!!! and j!!! extra training (all paid for )
    but ive just managed to make another 700 over to cc .. yay !!


    I was going to update last night but the kids came home fighting with each other so just needed a bit chill time when I got home


    loving this .. whoop !!


    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 May 18, 9:34 AM
    • 56,771 Posts
    • 230,895 Thanks
    beanielou
    Another 700
    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 28th May 18, 4:19 PM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Only 100 paid from cc this weekend but it's been a nice weekend and I have a few things listed to finish tonight so fingers crossed !!!55357;!!!56841;

    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 28th May 18, 7:50 PM
    • 56,771 Posts
    • 230,895 Thanks
    beanielou
    Only 100
    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 29th May 18, 10:28 AM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    Only 100
    Originally posted by beanielou
    I know I think im going slightly crazy lol


    I visited my parents last night and they told me I had to take time for me and not constantly save ... I reminded them that in 2 weeks I was taking the boys to download festival (which is all cash flowed and saved for) I think they were a bit worried I was to gazel lol


    on the family front DSs have been driving each other nuts and as a side driving me to insanity thank goodness that im working over the school holidays


    on a side note .. my DBF has said that he wants to book a trip away for us .. he has just been made redundant but has a job to start before he even finished the last one.. he said he will pay for all hotels and stuff if I get the flights .. I have free uc flights from my ex CC .. my dad uses it for his business and I get the rewards .. not sure what to do as I would need spending money .. WWYD ????


    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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