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  • 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 2
    • abba1772
    • By abba1772 9th Jan 11, 10:26 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    well today a lovely lady contacted me regarding belts i had on preloved so got £30 so that £30 is going towards The Sun Holidays I collecting tokens for so i don't need to find the money for that which i'm quite chuffed with, now whatever money is in my sealed tin is going towards bus fares and spending money....kids are getting excited we've never had a holiday due to ex-hubbys work but now we can organised something, thinking of going to scarbourough during the summer as well as visiting friends in elgin and we'll go to blackpool in september. so excited 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 10th Jan 11, 9:51 AM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    well today a lovely lady contacted me regarding belts i had on preloved so got £30 so that £30 is going towards The Sun Holidays I collecting tokens for so i don't need to find the money for that which i'm quite chuffed with, now whatever money is in my sealed tin is going towards bus fares and spending money....kids are getting excited we've never had a holiday due to ex-hubbys work but now we can organised something, thinking of going to scarbourough during the summer as well as visiting friends in elgin and we'll go to blackpool in september. so excited x
    Originally posted by abba1772
    Hi Abba1772

    Thanks for your encouraging words, I've worked out that my DFD should be April 2012 but thats a very optimistic view so we'll see but you don't know whats round the corner so it could reduce.

    Yay to a holiday, the kids will love it and it will give you a break as well.
    We haven't decided what to do this year yet as there is alot of work to do in our house and I also want to debt bust and reduce the DFD.

    Have a great week x
    • abba1772
    • By abba1772 10th Jan 11, 12:45 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    woo hoo payday lol

    it was ok i guess for the hours i did last month lol

    so I paid £250 towards my credit card today and also my DD for £29.99 came out for my dongle which i'll hopefull be paying off the remainder off at the end of the month depending on how much money once I've paid off my car tax which at £110 isn't too bad i guess.

    off to update my signature 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 10th Jan 11, 9:35 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    This is addictive..... lol

    postie came with my mail and my catalogue was there so i paid £20.00 straight away so only £20 remains on the balance but i've ordered curtains that were in the sale lol so kinda added £18 to my account but it'll be paid off in a couple of months so i don't feel guilty just want my house finished x

    just need to pay another £43.33 and i'll be over the 10% threshold in just one month

    so chuffed and so determined 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 11th Jan 11, 3:42 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    Checked my payment had cleared for my capital one card and it has so just now my account is standing at £2700.05 without the interest being added on which is roughly about £50.........................so why do i feel bummed?????? I am glad its coming down don't get me wrong prob just isn't going fast enough 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
    • choogirl
    • By choogirl 11th Jan 11, 9:39 PM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    Aww don't feel bummed- feel proud that the balance is reducing and you've got it all under control.

    Keep going you're doing so well
    • abba1772
    • By abba1772 11th Jan 11, 9:52 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    Aww don't feel bummed- feel proud that the balance is reducing and you've got it all under control.

    Keep going you're doing so well
    Originally posted by choogirl
    Thanks hun just having a off night, looking at what i've paid so far and whats still to come out this month (Couch payment 12th, Car Finance 19th) then hopefully i can pay off the remainder of my vodaphone (she says with fingers crossed) so i'm feeling optimistic now

    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 11th Jan 11, 9:58 PM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    You're welcome chick

    Optimism is fantastic its what keeps me going!
    • abba1772
    • By abba1772 12th Jan 11, 1:07 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    Today is the 12th and my couch (yes another expensive thing my ex husband insisted on but i had to get out in my name as his credit rating is rubbish) payment came out so thats another £55 paid

    I've also hit 10% on my yearly target which is to pay off £3500 of my debts so i'm quite chuffed that i'm paying so much off but at the same time we're not struggling i'm just being very frugal and shopping about more in different places and all the walking about is good exercise so hopefully i'll also lose weight this week too lol

    still got my car coming out on the 19th then i'll see how i'm doing the week after as i have my car tax due at the end of the month and if it's all good i'll be paying off my vodaphone contract so that'll be another debt out the way
    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 12th Jan 11, 1:34 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    woo hoo just made another £1.25 on pureprofile............getting there 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 13th Jan 11, 11:23 AM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    Paid another £15 toward the capital one card as it's going to be a Low spend weekend as i'm staying over at my grans as she has my kids this weekend as i'm working but i'm starting a 9 day stint at work today and i'm hardly going to see them so hence why i'm staying over at my grans.

    thats me paid £265 towards my card this month, wish it could be more but got the silly car tax coming out this month grrrrrrrr
    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 19th Jan 11, 10:11 AM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    Thats another £124.28 paid off for my car via dd.......................at least something is going right just now

    Ordered new blinds for my flat 2 large windows and 1 small window was quoted £230 for them which i thot was ok, wen for a wander and came acroiss a blind shop in amongst house, gave them my measurements and they came in at £165 so I've saved myself £65 so quite chuffed but they are a necessity

    off to update my ticker 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 19th Jan 11, 7:24 PM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    Good going on finding a better price for your blinds, thats my thinking now - don't buy anything until I've looked around and tried to get a better price
    • abba1772
    • By abba1772 19th Jan 11, 9:54 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    I always do tend to look about but they were the only blind shop in my town til i went for a wander so defo chuffed

    i see you're doing really well on the pay off in 2011 challenge well done
    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 20th Jan 11, 10:23 AM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    Thank you chick

    I am so determined to get rid of it all its become an obsession!

    I can't even walk past any money laying on the pavement now it all goes into my debt repayment jar xx
    • abba1772
    • By abba1772 20th Jan 11, 12:15 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    lol my wee boy is like that hes always hunting for pennies when we go out but they go in there piggy banks, the kids get all the coppers and 5p's they have a good amount of money in their bank accounts which they won't be getting til they're 21 lol

    i'm still hoping to pay off vodaphone and tax credits overpayment this month so fingers crossed i can do it. don't want to leave myself too short, will reassess my finances after the weekend as my sister, niece and nephew are coming over for the weekend 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
    • choogirl
    • By choogirl 23rd Jan 11, 6:51 PM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    Hi Abba1772

    Sorry for not popping by sooner but been really busy.

    Hope you've had a good weekend with your sister,nephew and niece.

    Catch up soon x
    • abba1772
    • By abba1772 23rd Jan 11, 10:58 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    hoping to pay off my car tax tomorrow, the tax credit overpayment, as well as the dongle account.......that means i would have cleared two debts by tomorrow she hopes lol

    been keeping up to date on your diary choogirl, you have been very very busy makes me tired just reading it 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 24th Jan 11, 1:09 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    so blooming annoyed....went to pay off my vodaphone contract only to be told it'll cost me £75 cancellation charge plus one month fee of £30 so financially speaking it ain't worth me paying it off early

    anyway currently on the phone waitig to pay of my half of the tax credits overpayment from 2009 been on hold for 10 mins and 41 seconds so far grrrrrrrrrrr.

    but other than that i'm quite organised today, went to Iceland and stocked up the food cupboards fridge and freezer for £35 got it delivered, sorted out my linen cupboard and have put some towels and sheets in a black bag ready for the charity shop.

    My daughter has sorted out her old barbie dolls and she wants me to sell them so she can put money towards the caravan holiday fund bless her x

    have got all my paperwork ready for car tax, as well as my tokens for the Sun £9.50 caravan offer so at least with that paid it'll be peace of mind just need to wait for confirmation of holiday dates lol

    still holding on this tax credit helpline, i think they keep you on hold to get as much money off you as they can so they can pay for tax credit 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
    • choogirl
    • By choogirl 24th Jan 11, 7:35 PM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    Gosh busy day for you!

    Bless your DD for thinking of selling her Barbie dolls to help pay for your holiday, little ones are so sweet.

    Hope you got your tax credit payment sorted out. xx
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