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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 3,459Posts
    • 8,867Thanks
    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 120
    • OrangeFairy
    • By OrangeFairy 13th May 17, 9:45 AM
    • 2,592 Posts
    • 8,962 Thanks
    OrangeFairy
    Hi Abba,

    I hope you are well - kitchen refurb sounds exciting.

    I really cant wait to buy a house to pick a kitchen...I just need to ensure we don't buy a house with a nice kitchen which will scupper my plans!

    Where are you off on holiday?

    OF x
    Orange Fairy
    House Deposit target = 25000 Saved = 12500
    Sales towards new tent = 80


    • monz
    • By monz 15th May 17, 10:50 AM
    • 2,445 Posts
    • 6,172 Thanks
    monz
    Dont be too hard on yourself! you hit the 1500 welllll before your target date 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 15th May 17, 12:11 PM
    • 3,459 Posts
    • 8,867 Thanks
    abba1772
    Hi Abba,

    I hope you are well - kitchen refurb sounds exciting.

    I really cant wait to buy a house to pick a kitchen...I just need to ensure we don't buy a house with a nice kitchen which will scupper my plans!

    Where are you off on holiday?

    OF x
    Originally posted by OrangeFairy
    We are off to Salou this year and next years holiday to Florida is already booked xx

    Small payment sent towards the holiday clothes fund I am absolutely skinto until Wednesday I could cry but on a positive note I'm just waiting for the carpet payment to come off so I can cancel the direct debit as that'll be the final payment next to get paid off completely will be the couch but that won't be until September unless I decided to just pay it off before then they payments should be out just now but they haven't came out the bank yet as they were due on the 13th so will just need to keep a check on the bank xx

    Hoping for a LSD as the weather here is miserable so I've only spent 1 on playgroup fees.......scratch that it won't be a LSD as I have physio tonight so that'll be 30 roll on payday on Friday so I can have a bit of money

    Got two extra shifts this week so that's a extra 56 this week but won't see it til Friday so just need to be extra frugal this week it's doable I guess xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 394.68 TARGET 400
    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 16th May 17, 8:21 AM
    • 3,459 Posts
    • 8,867 Thanks
    abba1772
    Morning

    Lost 1.5lbs on Saturday only 2lbs away from my wedding weight and about 5 weeks to go before we go on holiday I can do this hopefully, normally when I get to my target weight I sabotage myself but I don't intend on doing that this time round she says hopefully xx

    Transferred 13p over to the holiday clothes pot still something I guess lol xx

    Final payment for the carpets came out today so I've cancelled my direct debit woo hoo this extra money will be getting out towards the Halifax card next month

    Sat last night and broke down my target for the hailfax credit card to be paid off and by my calculations I can have it paid off 25th November but you know me I like a challenge so I'm aiming for it to be paid off by the end of October I'll start this as soon as I have enough money in my holiday clothes pot can't wait to be honest to be back to the debt busting quite sad isn't it xx

    LSD today hopefully as all I need is a couple of bottles of diet iron bru today and I have the money in my purse. Should be getting paid tonight by one of my parents so it'll be nice having some money in my purse

    Physio went great got more exercises to do so I'm back in two weeks time for another assessment to see how I'm getting on but it's 30 worth spent if it relives the pain xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 394.68 TARGET 400
    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 16th May 17, 11:00 AM
    • 2,445 Posts
    • 6,172 Thanks
    monz
    well done on weight loss 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 17th May 17, 8:21 AM
    • 3,459 Posts
    • 8,867 Thanks
    abba1772
    Morning

    Tax credits are in and they've been chopped must be because the renewal is due but because I only count last years amount we were getting and using anything extra to pay off debt or add to savings it's not affecting us too much so sent 43 something over the to holiday clothes pot so I am over the 200 mark still aiming for 300 by the weekend

    Working 7.30am til 5pm today taking the kids to the dancing group today which is free so that'll entertain the little ones and we will get lunch from the bakers

    Need to go up to the town for a few bit hoping it'll not be too expensive I need to get two new keys cut, juice for Abbie and chips, I think that's it

    I have the avon getting delivered tomorrow forgot to say I collected over 520 in orders so at least 117 in commission so half of that will be going towards the holiday clothes pot when it's all collected quite chuffed with the big order xx

    Checked my national insurance contributions and I'm quite pleased I'm all up to date and on route to getting a ok personal pension..........need to look into my private pension that I won in my divorce and see if I can start adding to it........need to look into how that'll affect the government pension .................gosh I'm getting old
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 394.68 TARGET 400
    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 17th May 17, 10:00 AM
    • 2,445 Posts
    • 6,172 Thanks
    monz
    Thats not being old thats being smart 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 19th May 17, 8:02 AM
    • 3,459 Posts
    • 8,867 Thanks
    abba1772
    I have five minutes peace so thought I would jump on

    Didn't stop all day yesterday think my Fitbit was screaming over 28000 steps yesterday and yes my legs are absolutely killing me this morning

    Did the avon run last night managed to deliver over 290 in orders last night took us two and a half hours tho

    Did my daily transfer over to the holiday account didn't hit my 300 ...........yet as I'm awaiting one of my parents to pay me so I'm splitting the extra shifts into half so I'll be putting 30 into the holiday clothes fund once I've put the money in the bank.

    I have playgroup to run this morning then I start work at 11.30am til 5pm then it's the weekend need to stay up late tonight tho as Abbie is at Alton towers with the school and they are expected to be back at midnight tonight hate late nights

    Need to nip into town to put money in the bank and get bread and butter from Tesco

    Got a few avon dealIveries to get rid of this morning the. We have another avon run after dinner and I might just be able to get the invoice paid by this weekend again love my avon customers xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 394.68 TARGET 400
    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 19th May 17, 8:42 PM
    • 3,459 Posts
    • 8,867 Thanks
    abba1772
    Woo hoo past the 300 mark aim to hit 400 by next weekend, don't know whether to push for 500........will see how I feel xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 394.68 TARGET 400
    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 May 17, 8:05 AM
    • 3,459 Posts
    • 8,867 Thanks
    abba1772
    Put a lb on at weigh in can't understand why might be lack of sleep due to a few late nights so will be going to bed earlier this week

    Have continued rounding down my account during the weekend, I have a couple of extra shifts this week so will be putting half of that into the holiday clothes pot I should hit 500 by Friday then that's it we are all set for holiday money wise

    Which means as of Monday I can start to see the blanCe on this pesky Halifax card go down can't wait

    Not working til 3pm today but still have playgroup and I need to go to the shops for a few bits for the fridge so I'll be kept busy xx

    Off to get Xander up for school xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 394.68 TARGET 400
    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
    • jwil
    • By jwil 22nd May 17, 4:25 PM
    • 7,376 Posts
    • 20,072 Thanks
    jwil
    Well done abba, you are doing so well!

    Why would your private pension affect your government one?
    "If you can dream it, you can do it". Walt Disney
    • abba1772
    • By abba1772 22nd May 17, 8:26 PM
    • 3,459 Posts
    • 8,867 Thanks
    abba1772
    Well done abba, you are doing so well!

    Why would your private pension affect your government one?
    Originally posted by jwil

    I don't think it does I think I would need to pay tax if my private pension takes me over the personal threshold........I think xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 394.68 TARGET 400
    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 May 17, 8:49 PM
    • 3,459 Posts
    • 8,867 Thanks
    abba1772
    Delivered another avon so I've transferred 50 into the holiday clothes fund nearly at the 400 will continue til I've hit 500 then that's it I'm on the Halifax card xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 394.68 TARGET 400
    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
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