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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 3,558Posts
    • 9,270Thanks
    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 113
    • abba1772
    • By abba1772 11th Mar 17, 2:26 PM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    Sent a cheeky £13.09 towards the holiday fund .........hope you're all having a lovely weekend xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
    • jwil
    • By jwil 12th Mar 17, 8:44 AM
    • 7,444 Posts
    • 20,384 Thanks
    jwil
    Glad Abbie's got some good friends.

    Well done on being below £200, almost there!
    "If you can dream it, you can do it". Walt Disney
    • monz
    • By monz 13th Mar 17, 12:10 PM
    • 2,578 Posts
    • 6,783 Thanks
    monz
    How are you Abba?xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • abba1772
    • By abba1772 13th Mar 17, 12:23 PM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    How are you Abba?xx
    Originally posted by monz
    I'm fine monz just keeping busy how's you?? Hope you're ok xx

    Hubby finished the wallpapering in the kitchen woo ho another job done its all sparkly need to buy paint for the skirting boards this week so I can finish that side of it then that'll be another job sorted. Now it's the fiddly jobs like the pelmets and putting the skirting boards on and finishing the lights under the cabinets but the end is in sight so I'll just get hubby to tackle a small job a day after work so it's not too overwhelming for him xx

    Set up toddlers today £1 and I think that's all I'll be spending today

    Waiting on my blind to be delivered today so I'm hoping I can convince hubby to put this up before we go to abbies school for her options meeting, can't believe she'll be taking her exams next year scary stuff

    Wrote out my action plan for my holiday spending money have given myself a target of £1500 by the week ending 26th may so it is possible we shall see, still hoping to have made the last payment towards the holiday paid by Friday should be possible if I jiggle some funds about

    Sent my avon order away at the weekend have £474 in orders so that's another £100 in commission wasn't convinced I would even hit that this campaign as I myself wasn't overly impressed with it and neither were some of my customers but hey ho plus gained 5 new customers with this book so as usual £50 will be winging its way to some sort of account
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
    • moneyonmymindsam
    • By moneyonmymindsam 13th Mar 17, 9:55 PM
    • 1,194 Posts
    • 3,429 Thanks
    moneyonmymindsam
    Glad to hear everything coming along nicely - we sure know how to make those pennies work for us : )


    Hope all is well with the family .


    xx Sam
    p.s Yay about the Wallpaper in the kitchen
    Savings £7150 18th July
    Vouchers £20 NO DEBT



    • abba1772
    • By abba1772 14th Mar 17, 8:33 AM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    Morning

    Sent £12.66 towards the holiday fund this morning defo on track to send final payment on Friday to the holiday still waiting on the cash back hitting my account getting impatient now not like me at all

    Hubby put blind up last night it's looking very nice now need to find a nice ornament for the window sill think that's what I'll buy once I've paid off my holiday a little treat you can call it xx

    Taking Kk to toddlers he's shattered these days with this cough the inhalers are easing it a bit but not as much as I would like I'm sorely tempted to switch off the baby monitor so I can get a sleep but don't think I could do that tbh

    Will be a bit of a spendy day today as need to go to lidls for fridge stuff and homebargains for a few bits like kitchen roll and freezer bags so will be on later to be accoutable for my spends xx

    Hubby's job for tonight is put up the shelves in a cupboard in the kitchen that he adjusted so he needs to cut them all down to make them fit........told him to just take it a job at a time now.......seems to be working xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
    • monz
    • By monz 14th Mar 17, 9:56 AM
    • 2,578 Posts
    • 6,783 Thanks
    monz
    Cashback is a pain at times to come through. One of mine is 4 weeks overdue lol

    Are you doing one room at a time Abba?xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • abba1772
    • By abba1772 14th Mar 17, 1:59 PM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    Cashback is a pain at times to come through. One of mine is 4 weeks overdue lol

    Are you doing one room at a time Abba?xx
    Originally posted by monz
    Oh don't say that lol maybe you should chase that up monz xx

    The kitchen is the last room to be done

    Well went to playgroup £1 and poor Kk was shattered bless him he was dozing off by the time I dropped him off at nursery xx

    Nipped to homebargains spent £9 on huge bag of wotsits, kitchen roll, bread, sandwich bags and juice for me and Kk the. We popped into lidl and got loads fridge is heaving for £16 so I'm happy with that xx

    Need to get big bottles of juice for me so that'll be £2 but that'll be it for the day I reckon
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
    • abba1772
    • By abba1772 15th Mar 17, 8:25 AM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    Cashback hit my account this morning so sent that and my money from one of my parents who paid me last night so sent £66.24 towards the holiday fund so that's me officially on the home run and under the last £100

    Bought Abbie new school shoes......that's her in the adult sizes and a what a jump in prices adidas sent me a email yesterday with 25% off some of there already reduced shoes so instead of paying £75 and got her new Stan smiths for £35 so defo a bargain and exactly what she wanted so they are expected to get delivered on Friday they better fit her

    Working 9am til 5pm Wednesday is normally our quiet day so whilst kids are watching a movie this morning I'll be doing my ironing pile then after lunch kks nursery are doing a spring clean........basically picking up rubbish around the school area

    Need to get milk, juice and sugar tonight Kk is going to his grans tonight so I'm looking forward to a full nights sleep xx

    Hubby fixed the shelfs in my cupboard I no longer have snacks attacking me and whilst he was on a roll he put my interior door back on my big cupboard so at some point this week I need to go and get paint so I can start painting the skirting boards and doors xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
    • monz
    • By monz 15th Mar 17, 9:32 AM
    • 2,578 Posts
    • 6,783 Thanks
    monz
    I still fit in and buy childrens shoes for myself :P

    Well done on under £100!! whats next on your hit list xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • abba1772
    • By abba1772 15th Mar 17, 9:52 AM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    I still fit in and buy childrens shoes for myself :P

    Well done on under £100!! whats next on your hit list xx
    Originally posted by monz
    I used to squeeze my size sevens into 5.5s silly me lol

    Next on my list is the holiday spending money I've given myself til the end of May to get £1500 no pressure
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
    • abba1772
    • By abba1772 16th Mar 17, 7:40 AM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    Sent £20 towards the holiday fund.........roll on tomorrow
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
    • monz
    • By monz 16th Mar 17, 9:33 AM
    • 2,578 Posts
    • 6,783 Thanks
    monz
    Ahh so close !!!! xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • abba1772
    • By abba1772 16th Mar 17, 2:03 PM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    Ahh so close !!!! xx
    Originally posted by monz
    I know I'm actually excited about tomorrow

    Busy wee morning went to toddlers walked all the way there £2 then it was off to homebargains spent £4 on belvita bars and bread popped into Tesco for some ww friendly stuff and something for my lunch spent £7.39 then popped into lidl for two bags of chips ham and coleslaw for £3.38

    Just had lunch and now I'm just about to get on with sorting out the avon for tonight

    Be back on later xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
    • abba1772
    • By abba1772 17th Mar 17, 8:32 AM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    Woo holiday is officially paid for and two weeks ahead of my actual target feels great will have the weekend off (maybe ) then I'll start my next target of saving our holiday spending money of £1500 by the end of May

    Off to get Kk ready as we have playgroup today and I have a few avon orders to deliver this morning

    Back later xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
    • monz
    • By monz 17th Mar 17, 9:19 AM
    • 2,578 Posts
    • 6,783 Thanks
    monz
    Well done Abba knew you could do it xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £350/500
    house deposit £5,506.25/10,000
    • kirtsypoos
    • By kirtsypoos 17th Mar 17, 1:51 PM
    • 2,863 Posts
    • 12,293 Thanks
    kirtsypoos
    You're a machine Abba!!
    £835/3000 OH BC(72.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £835/31010.23 (97.30% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15264.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • abba1772
    • By abba1772 17th Mar 17, 5:02 PM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    Thanks peeps

    Had a LSD today set playgroup up £1 got rid of a few Avon orders, only have two to get rid of tonight then I'll have enough to pay for my invoice tomorrow

    According to my invoice we actually made £511 in sales omg that's a lot so we should make £120 commission so £50 will be set aside for the holiday spending money the rest is being spent this weekend on a wee day out in Glasgow on Sunday xx

    Hope you all have a lovely weekend xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
    • stepuptothepl8
    • By stepuptothepl8 17th Mar 17, 8:07 PM
    • 732 Posts
    • 3,443 Thanks
    stepuptothepl8
    Amazing.. You never stop!! xxx
    LBM 1st Feb 2015 £8852 to go
    my diary: time to step up to the plate. SPC#503
    2017 challenges:
    March - Bath Half Marathon DONE!!
    July - trailwalker 100km walk for Oxfam & the Ghurka trust
    • abba1772
    • By abba1772 20th Mar 17, 8:21 AM
    • 3,558 Posts
    • 9,270 Thanks
    abba1772
    Morning

    New target is set and this morning transfered £20.79 so we are off

    Also got a couple of extra shifts so I'm going to put half of the money £20 into the holiday fund on Friday as it's money im not technically used to having so I won't miss it

    Got a couple of avon orders to get rid of today totallying £25 so this covers the birthday cake, card and gift voucher for my mindees birthday today . I'll have change

    Will still be putting £50 from the avon money into the savings pot this week too as we spent our half in Glasgow this week so it's all accounted for

    My wee Kk has the cold his wee eyes and nose are running but he's still going bless him hate seeing him like this but he still wants to go to nursery will see how we get on at playgroup today xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3519.87
    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 £3113.27 / £6000
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