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
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 4,346Posts
    • 14,308Thanks
    abba1772
    Abba1772's Debt Free Diary
    • #1
    • 26th Oct 10, 11:38 PM
    Abba1772's Debt Free Diary 26th Oct 10 at 11:38 PM
    hi everyone

    New on here not new to debt was married for 10 years and we seperated so i took any debt that was in my name and he took his debt

    By OMG what a mess got my credit card statement in and it was for £6000 and this was may last year but i've ploughed extra money into this credit card every month and i'm thrilled to say that in 16 months i am just above the £3000 mark

    Debts June 2009
    Capital One Card £6000
    BOS CC £1700
    Car Finance This finished in August 2012 @ £124 a month fixed payments
    DFS Couch This finishes 2013 @55.63 a month fixed payments


    Debts October 2010
    Capital One Card £3245.39 Paying £200 a month into this
    BOS CC £1559.81 Paying minimum payment of £34


    I have cancelled my Capital One Card so just paying the balance off interest is roughly £50 a month but last year is was over £80 a month so saving £30 already

    Also do not have my PIN number of the BOS Card either so haven't spent on wither card since June 2009

    My plan is to concentrate on the Capital One Card and if i continue paying £200 a month i will have this cleared in 18 months so it'll be paid off in April 2012 but my aim is to have it paid off before xmas next year!!!!

    The the BOS card will be paid off using the excess £200 plus the £34 it'll only take me 7 month to pay that off which by that time i'll only have paid the final instalment of my little car so i'll have £360 a month spare so will whack that into my couch.

    well it's a plan and so far i've stuck to it for a year and feel good esp when my ex husband complaining he's up to his eyeballs on debt when he went on a spending spree and bought a 10 grand car

    My kids are 8 and 4 and they are even getting into the frugal life my daughter heads to the sale rail of any clothes shop or the reduced counter at supermarkets and she loves getting bargain

    sorry to waffle on lol
Page 1
    • abba1772
    • By abba1772 27th Oct 10, 10:32 AM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    • #2
    • 27th Oct 10, 10:32 AM
    • #2
    • 27th Oct 10, 10:32 AM
    no debt payments for today i'm afraid not feeling good and can't be bothered tbh

    got some stuff selling on facebook mainly ladies and kids clothes going to have a clearout of the kids computer games and games consoles that they hardly play with x

    any money made will be going towards the xmas fund x
    • abba1772
    • By abba1772 28th Oct 10, 2:50 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    • #3
    • 28th Oct 10, 2:50 PM
    • #3
    • 28th Oct 10, 2:50 PM
    made £5 selling a top on preloved.com but £2 of that went on postage but every little helps lol

    means i don't have to go digging away in my bank lol

    no debt payments for me will be paying £34 towards my BOS by DD at the end of the month then on the 2nd i will be putting £200 into my capital once account x

    with xmas coming up i'll be putting whatever extra money i have into my xmas fund, refuse to pay full price for anything tbh so spending less than anticipated x
    • abba1772
    • By abba1772 21st Dec 10, 10:48 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    • #4
    • 21st Dec 10, 10:48 PM
    • #4
    • 21st Dec 10, 10:48 PM
    No posted on here for a while

    well i've managed my first target of getting my credit card under the 3K mark to think it was £6000 last June x

    i'm so chuffed so i'm determined that this credit card will be paid off this time next year i can't wait

    i keep thinking by 2012 i'll be debt free its amazing x x x x
    • abba1772
    • By abba1772 27th Dec 10, 8:59 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    • #5
    • 27th Dec 10, 8:59 PM
    • #5
    • 27th Dec 10, 8:59 PM
    £2,898.31

    thats what my big credit card is reading at the moment you can't imagine the big smile i have on my face just seeing that amount yes i know it's still alot of month but it was over £6000 in June 2009 so i'm so chuffed with myself

    soooooooo determined to get this debt paid off in Dec 2011 so 12 month to knuckle down.
    • choogirl
    • By choogirl 27th Dec 10, 9:04 PM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    • #6
    • 27th Dec 10, 9:04 PM
    • #6
    • 27th Dec 10, 9:04 PM
    Hi Abba1772

    I love your name, Abba are one of my favourite bands, they bring back childhood memories.

    You've done so well reducing your debt I'm hoping to halve mine as well by June 2011. I'm going to subscribe to your diary.

    Good luck x
    • abba1772
    • By abba1772 30th Dec 10, 2:34 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    • #7
    • 30th Dec 10, 2:34 PM
    • #7
    • 30th Dec 10, 2:34 PM
    Hi Choogirl thanks for having a read, My user name is my daughters nickname she's called abbie but I call her Abba lol you should see the funny looks i get out the street when i shout her name lol. Just looking at your signature well done on paying that amount off in a couple of months.

    I'm glad I've found this place it makes me more determined to get debt free.

    Well phoned vodaphone who I have a contract with for a laptop and dongle and internet but haven't used internet since July when I got broadband installed so got my early resettlement figure and it's £122.28........need to wait til next month to pay off tho as i have double council tax due to me working and the council mucking things up for me as well as my car tax at the end of next month so i've promised myself that if i have any money at then end of January i will be paying off my vodaphone account off and that'll be another £30 to go into my credit card
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
    • choogirl
    • By choogirl 31st Dec 10, 4:47 PM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    • #8
    • 31st Dec 10, 4:47 PM
    • #8
    • 31st Dec 10, 4:47 PM
    Hi Abba1772

    Happy New Years Eve!

    These boards are inspirational, I was so fed up and depressed when I added my balances up but then I found this website and whilst it is still a bad situation it also made me realise that I am not the only one dealing with debt.

    Good luck with paying off your remaining balances x
    • brummiebabe
    • By brummiebabe 31st Dec 10, 5:01 PM
    • 1,868 Posts
    • 5,170 Thanks
    brummiebabe
    • #9
    • 31st Dec 10, 5:01 PM
    • #9
    • 31st Dec 10, 5:01 PM
    Hi Abba

    It sounds like you've done really well over the last year or so - I'm sure you'll reach your goal this year!!! I'm Hoping to clear mine by the end of 2011 too - we have a similar amount of debt so I'll keep up with how you're getting on!!

    Happy new year

    BB x
    20p Saver Club #33 60p/£100
    Christmas Saving £0/£1300

    Saving Target 2014 £25/£1000
    • abba1772
    • By abba1772 2nd Jan 11, 3:31 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    Hi brummiebabe....it's funny how your saying we're similar as i'm also on a weight loss thingy this year need to shift a stone for the summer lol so we could always encourage one another lol

    nothing on the debt front just now, just back from my grans spent new years eve and day there altho i did have to work new years day i know i know but it pays the bills x

    hope you've all had a nice new year and didn't suffer from any hangovers lol
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
  • bikerfrenzy
    Well done and keep it up..I'm nearly under the 3k too and I also had to work new year, It'll be worth it when we are debt free.
    • abba1772
    • By abba1772 2nd Jan 11, 4:05 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    Just joined the £365 challenge in 365 days so stuck £62 in it, this will go towards my car insurance which is due in November feeling very positive towards 2011 regarding my finances

    thank you bikerfrenzy..........so when is your debt free target????? MInes is the end of 2012 but I am aiming for it to be quicker than that x
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
  • bikerfrenzy
    I want my Credit Card paid off (£1700) by April but I will need to borrow some more off my sister to do that taking my debt to her up to £2000 so I'm aiming to pay that back by November. I don't think it will happen any faster because I know once the spring comes I will want to go places on my motorbike. I have three boys 10 7 and 3 so it's always a balance between paying my debts and still being able to give them a life. x
    • abba1772
    • By abba1772 3rd Jan 11, 5:01 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    I know what you mean.........I've got two my DD who is 8 and my DS who is 4 so it is finding that balance but my DD is very good at finding bargains lol

    My target is to get my credit card down to under £2000 in April so hoepfully I can do it lol fingers crossed x
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
    • abba1772
    • By abba1772 4th Jan 11, 5:24 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    quite chuffed with myself i've made £2.55 on pureprofile, haven't used it in ages but it's something better than nothing , will build this account up as well as my lightspeed one and put it towards my debt.

    Every little helps lol
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
    • abba1772
    • By abba1772 7th Jan 11, 11:21 AM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    i'm feeling really guilty because i haven't paid anything towards my debt yet i know it's only the 7th but still.......the reason being is i don't get paid til the 10th and i don't know what my wages are yet so can't calculate it until i know what they are if that makes sense x

    but as soon as i get paid on Monday I will be debt busting i promise, if my wages are good i'll be ploghing another £250 into it....if not it'll be £200 but we'll see how we go x x x x
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
    • choogirl
    • By choogirl 7th Jan 11, 7:46 PM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    i'm feeling really guilty because i haven't paid anything towards my debt yet i know it's only the 7th but still.......the reason being is i don't get paid til the 10th and i don't know what my wages are yet so can't calculate it until i know what they are if that makes sense x

    but as soon as i get paid on Monday I will be debt busting i promise, if my wages are good i'll be ploghing another £250 into it....if not it'll be £200 but we'll see how we go x x x x
    Originally posted by abba1772
    Hi Abba1772

    Yay to debt-busting
    • abba1772
    • By abba1772 7th Jan 11, 11:35 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    you're doing really well with your credit card choogirl x
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
    • choogirl
    • By choogirl 8th Jan 11, 8:46 AM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    Thanks Abba1772, unfortunately I also have another that has £8k on a Barclaycard as well which is going to get sorted as soon as we've cleared the HSBC but its all going in the right direction which is all that matters xx
    Last edited by choogirl; 08-01-2011 at 8:48 AM.
    • abba1772
    • By abba1772 8th Jan 11, 6:35 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    you're still doing really well you'll be debt free in no time hun x x x x

    today wasn't a debt busting day spent £30 taking the kids bowling , my DD whipped my bum on the first game (she's 8) and i won the second game also got a burger so wasn't too bad then popped into bhs and got my DD picture frames for her sequin art 4 frames at £15 each reduced to £4 each so got them for £16 quite chuffed and the look amazing in glossy pink lol

    payday on monday then couch payment comes out on Wednesday so will start to see some money going towards debts then x
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
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

146Posts Today

2,101Users online

Martin's Twitter