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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 3,460Posts
    • 8,868Thanks
    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 114
    • monz
    • By monz 20th Mar 17, 10:46 AM
    • 2,445 Posts
    • 6,172 Thanks
    monz
    Hope he feels better soon
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,460.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • abba1772
    • By abba1772 20th Mar 17, 11:51 AM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    Remember on my birthday last year Kk was catapulted from his seat on the bus.......well I've just got a letter saying they are giving us 350 compensation result maybe that'll teach these bus drivers to stop kidding on they are rally drivers xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • monz
    • By monz 20th Mar 17, 1:34 PM
    • 2,445 Posts
    • 6,172 Thanks
    monz
    I would hold off for more, as that was so dangerous!! Did you agree ?xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,460.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • abba1772
    • By abba1772 21st Mar 17, 12:53 PM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    I would hold off for more, as that was so dangerous!! Did you agree ?xx
    Originally posted by monz
    There's no cctv footage as it's been tape down over they did stalling tactics so it's been wiped so it's my word against the drivers so I think we are just going to take the money and put it in kks bank account for when he's older xx

    Been a LSD so far spent 3.99 on fairy non bio gel 89p for butter and 1 on tomato sauce then we walked to toddlers...........in the SNOW kids were warm I wasn't so toddlers had a show put on for us 2 so all in all I've still got change from my tenner I took out this morning got a avon to deliver at the school so that's 4.50 back in my pocket and another one to be delivered tonight thTs worth 5 so that'll be getting put in the holiday fund.

    One of my parents is due to pay me tonight or tomorrow morning so if she does that too will be getting transfered into the holiday fund so it's creeping up nicely......rounded down my account today and sent 2.01 towards the holiday fund

    Kk still poorly so we are going to watch the Lego movie with cosy blankets and just chill out with him and my mindee so be back later xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • abba1772
    • By abba1772 22nd Mar 17, 8:00 AM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    Morning

    Big payment went to the holiday fund today

    105.30 from tax credits
    27.50 from avon customer
    35 from parent

    Rounded down the account as well so sent 171.81 towards the holiday account still waiting on some avon customers to pay so still owe 23.50 towards the holiday spending money and half of my extra shifts money is also going towards the holiday spending money as well so I'm hoping to hit 300 by the weekend we shall see xx
    Last edited by abba1772; 22-03-2017 at 8:17 AM.
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • little_miss_spendtoomuch
    • By little_miss_spendtoomuch 22nd Mar 17, 8:14 AM
    • 184 Posts
    • 348 Thanks
    little_miss_spendtoomuch
    Well done on the big holiday fund payment!!
    May 2015: 11685.56 / May 2017: 2900
    Credit card 1: 1000
    Credit card 2: 1900
    • abba1772
    • By abba1772 23rd Mar 17, 7:31 AM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    Morning

    Got all my avon orders delivered so transfered 35 over to the holiday spending fund

    Had a LSD day yesterday took a walk up to the town with Kk as he was still poorly nipped into homebargains got disinfectant 1 handwash 99p two weight watchers meals 2 bread 1 and ww desert 1 so not too bad

    StrArted work at 6.45am this morning will finish at 5pm long day plays got a extra shift today so I'm going to be shattered taking kids to playgroup today so that'll be a good walk with the double buggy xx

    Need to get snacks for playgroup tomorrow as well and after dinner tonight we will be doing the avon run so as usual Thursday is a super busy day xx

    Still on track to hitting 300 by the weekend it's amazing how it all adds up isn't it xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • monz
    • By monz 23rd Mar 17, 9:35 AM
    • 2,445 Posts
    • 6,172 Thanks
    monz
    Abba you will have that money saved up by April xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,460.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • abba1772
    • By abba1772 23rd Mar 17, 1:26 PM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    Abba you will have that money saved up by April xx
    Originally posted by monz
    That might be pushing it if I did means I can tackle the Halifax card
    Last edited by abba1772; 23-03-2017 at 1:56 PM.
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • monz
    • By monz 23rd Mar 17, 3:05 PM
    • 2,445 Posts
    • 6,172 Thanks
    monz
    How much do you have to pay off for it xx oh and you know you will have that saved by end April
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,460.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • abba1772
    • By abba1772 23rd Mar 17, 4:07 PM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    How much do you have to pay off for it xx oh and you know you will have that saved by end April
    Originally posted by monz
    Halifax card at the moment is sitting at just under 4K to be fair 1800 of that is the deposit for the Florida holiday

    If I can get the holiday spending money sorted by end of May then I think I will aim to clear the Halifax by November this allows me some breathing space with the kids three birthdays in July/August as well as school uniform shopping xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • monz
    • By monz 24th Mar 17, 11:38 AM
    • 2,445 Posts
    • 6,172 Thanks
    monz
    superwoman xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,460.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • abba1772
    • By abba1772 24th Mar 17, 8:05 PM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    Evening

    Been a super busy and eventful day today as you can see I've hit my 300 target I set myself for this week

    Did a extra shift today so was working fro me 7.30am til 5pm and this is the first time I've actually sat down

    So set up playgroup 1.50 towards the end of the session Kk trips and falls straight onto his nose and lips blood everywhere poor wee !!!!!! managed to get the blood to stop thank god for my first aid training then on the way home he tripped and fell at this point bubble wrap was considered at this point

    So decided not to send him to nursery so we walked into town I picked up his inhaler, nipped to sports direct picked up kks new led flashing shoes, then it was off to homebargains to get stuff for kks Easter bonnet competition spent 5.39 then had to pop into Asda on way back home to pick up weight watcher meals 3 then bought paint for the house 27.08 but it was needed

    Got five extra shifts next week which means extra pennies but need to be careful as it's my grans 79th birthday on Thursday and we are raking her out for her dinner xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • abba1772
    • By abba1772 27th Mar 17, 8:19 AM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    Morning

    Mega busy day today so thought I would pop on whilst the kids are quiet it's day 1 of my extra shifts parents have paid me upfront so half of this has been transfered to the holiday fund, aiming to hit 450 this weekend we shall see

    Started work at 8am will finish at 5pm then I have a committee meeting at 6.30pm so it's going to be a long day xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • abba1772
    • By abba1772 28th Mar 17, 8:58 AM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    Morning

    Started work at 7.30am will finish at 5.30pm then I have a childminding meeting at 7pm regarding the new 30 hours funded sessions the government are rolling out so defo need to go to this xx

    Bought a new printer yesterday as my old one had decided to flatline at the weekend so that cost 24.99 plus the ink cartridge are cheaper to replace than the old one

    Managed to put all my receipts from December into my accounts last night then just as I was about to save my work my excel decided to stop working luckily I managed to save it but it was hit or a miss as I did at one point think I had lost all my work that I had been working on for 3 hours although I think I've lost a few from February so need to pull out my paperwork cupboard to make sure xx

    Today is another busy day, we are off to toddlers today who are having their Easter party today so kids will have fun, need to put money into the playgroup bank account today then need to get juice for Abbie bread and milk all before 12.30 like a challenge so a bit of a spendy day

    Council are crediting me 10.79 for abbies school bus fares so as soon a school it's in my account it'll be going to the holiday fund every penny helps xx

    Off to get kids ready for going on the bus xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • abba1772
    • By abba1772 28th Mar 17, 1:42 PM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    Argh I'm only 175 points away from a 50 payout.......bet this drags in lol xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • abba1772
    • By abba1772 29th Mar 17, 8:22 AM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    Morning

    Did a survey even before I got out of bed this morning only 125 points before I hit the 50 payout

    Sent 12.16 towards the holiday fund...........I owe it 20 as money is tight in my bank account til Friday so I will stick that in on Friday once I've been paid for my other extra shifts xx

    My gran doesn't want to go out for her dinner so I'm cooking her dinner at home she wants a curry so I'll do that for her saves me loads of pennies so I only need to get her birthday cards and a birthday cake.........she's 79 on Thursday she defo doesn't look it that's for sure xx

    Working 8am til 1pm then 3pm til 5pm so split shifts then Kk is off to his grans tonight so I'm going to get the rest of my doors painted and skirting boards started in the kitchen as we are having a house wArming party next weekend so need to get our finger out with the finishing touches in this kitchen as work has came to a standstill

    Should be a LSD today as I only need juice, bread and butter today xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • clearmydebts
    • By clearmydebts 29th Mar 17, 8:28 AM
    • 5,984 Posts
    • 17,339 Thanks
    clearmydebts
    Morning

    Did a survey even before I got out of bed this morning only 125 points before I hit the 50 payout

    Sent 12.16 towards the holiday fund...........I owe it 20 as money is tight in my bank account til Friday so I will stick that in on Friday once I've been paid for my other extra shifts xx

    My gran doesn't want to go out for her dinner so I'm cooking her dinner at home she wants a curry so I'll do that for her saves me loads of pennies so I only need to get her birthday cards and a birthday cake.........she's 79 on Thursday she defo doesn't look it that's for sure xx

    Working 8am til 1pm then 3pm til 5pm so split shifts then Kk is off to his grans tonight so I'm going to get the rest of my doors painted and skirting boards started in the kitchen as we are having a house wArming party next weekend so need to get our finger out with the finishing touches in this kitchen as work has came to a standstill

    Should be a LSD today as I only need juice, bread and butter today xx
    Originally posted by abba1772
    Really looking forward to seeing photos of your kitchen! I painted my downstairs bathroom at the weekend and it makes such a difference with a fresh coat of paint. I used leftover paint from our sitting room too so was very proud of myself
    Total debt (starting September 2016): 24,451/27,000
    BOI credit card: 6,000/7,000
    Loan:18,451/ 20,000
    Emergency savings: 0/1000
    • abba1772
    • By abba1772 29th Mar 17, 9:45 AM
    • 3,460 Posts
    • 8,868 Thanks
    abba1772
    Really looking forward to seeing photos of your kitchen! I painted my downstairs bathroom at the weekend and it makes such a difference with a fresh coat of paint. I used leftover paint from our sitting room too so was very proud of myself
    Originally posted by clearmydebts
    I can't wait for it to be finished I know it's taken forever but with 2 full time jobs, avon and 3 kids there's not enough hours in the day
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 404.68 TARGET 500
    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 2383.27 / 6000
    • monz
    • By monz 29th Mar 17, 10:21 AM
    • 2,445 Posts
    • 6,172 Thanks
    monz
    Woo so close is that with New....? I am 400 points and like come on lol :P

    xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,460.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
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