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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 3,952Posts
    • 11,971Thanks
    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 123
    • abba1772
    • By abba1772 11th Jul 17, 9:59 AM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    I don't know how you do it. It wears me out reading your thread. Enjoy the sun, it's raining here for the first time in weeks. Quite nice actually.
    Originally posted by parsniphead

    You're a busy lady yourself parsniphead xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • Chandelier.
    • By Chandelier. 11th Jul 17, 10:07 AM
    • 511 Posts
    • 1,384 Thanks
    Chandelier.
    Just subscribed to your diary

    Sounds like you've had a busy couple of days. I need to find my mojo and crack on!
    Check out my Diary
    • abba1772
    • By abba1772 11th Jul 17, 12:29 PM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    Just subscribed to your diary

    Sounds like you've had a busy couple of days. I need to find my mojo and crack on!
    Originally posted by Chandelier.
    Hi chandelier

    Welcome to my waffling xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • abba1772
    • By abba1772 13th Jul 17, 11:28 AM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    Morning

    Had a nsd yesterday unfortunately won't be having one today but need bread butter and cold meat plus juice

    Got a banging sore head..........had a headache for days now wondering if I have a bug and I've ran out of paracetamol

    Cashed out £50.40 from prolific still waiting on £25 from pureprofile these are getting set aside for my table..............is anyone else struggling with surveys from prolific ........I haven't had one for a week now

    We are watching peters dragon then I think we will head out to the town for a bit a fresh air need to go put the money hubby made from the sale of the car and split it into the bank accounts and order xanders uniform from Tesco .........need to find where he stashed it

    Brother went home yesterday was nice getting the house back to ourselves........although hubby was working on a big homer last night and will be finishing it off tonight poor soul is shattered he hasn't stopped working on homers since he got back from holiday

    Priced up our park tickets for Florida........holy moly they are expensive think we are just going to stick with Disney world and universal studios that alone is setting us back £3700 will be going through a cash back site too every penny helps xx

    Right I'm off to get dressed and me and Kk are heading to the shops xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • clearmydebts
    • By clearmydebts 13th Jul 17, 6:58 PM
    • 6,082 Posts
    • 17,551 Thanks
    clearmydebts
    Morning

    Had a nsd yesterday unfortunately won't be having one today but need bread butter and cold meat plus juice

    Got a banging sore head..........had a headache for days now wondering if I have a bug and I've ran out of paracetamol

    Cashed out £50.40 from prolific still waiting on £25 from pureprofile these are getting set aside for my table..............is anyone else struggling with surveys from prolific ........I haven't had one for a week now

    We are watching peters dragon then I think we will head out to the town for a bit a fresh air need to go put the money hubby made from the sale of the car and split it into the bank accounts and order xanders uniform from Tesco .........need to find where he stashed it

    Brother went home yesterday was nice getting the house back to ourselves........although hubby was working on a big homer last night and will be finishing it off tonight poor soul is shattered he hasn't stopped working on homers since he got back from holiday

    Priced up our park tickets for Florida........holy moly they are expensive think we are just going to stick with Disney world and universal studios that alone is setting us back £3700 will be going through a cash back site too every penny helps xx

    Right I'm off to get dressed and me and Kk are heading to the shops xx
    Originally posted by abba1772


    Is that £3700 for just the tickets?
    Total debt (starting September 2016): €21,973/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€15,973/
    Savings: €0
    • abba1772
    • By abba1772 13th Jul 17, 9:07 PM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    Is that £3700 for just the tickets?
    Originally posted by clearmydebts
    Yes
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • clearmydebts
    • By clearmydebts 13th Jul 17, 9:11 PM
    • 6,082 Posts
    • 17,551 Thanks
    clearmydebts
    Yes
    Originally posted by abba1772

    My goodness I didn't realise the cost!
    Total debt (starting September 2016): €21,973/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€15,973/
    Savings: €0
    • abba1772
    • By abba1772 13th Jul 17, 9:13 PM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    Not long in from doing our avon run we have £404 in orders so far still waiting on 7 customers who have asked to go back round tomorrow so anything over will be a bonus as so far we will make over £100 in commission xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • abba1772
    • By abba1772 13th Jul 17, 9:16 PM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    My goodness I didn't realise the cost!
    Originally posted by clearmydebts
    I knew it was expensive but damn.......doesn't help that the tickets jump £70 each because we are going in 2018 there's 6 of us going xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • clearmydebts
    • By clearmydebts 13th Jul 17, 9:23 PM
    • 6,082 Posts
    • 17,551 Thanks
    clearmydebts
    I knew it was expensive but damn.......doesn't help that the tickets jump £70 each because we are going in 2018 there's 6 of us going xx
    Originally posted by abba1772
    Ah sure the prices are what they are! I just didn't realise the cost. How much do you reckon the whole thing will cost for the 6 of you?
    Total debt (starting September 2016): €21,973/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€15,973/
    Savings: €0
    • abba1772
    • By abba1772 13th Jul 17, 10:31 PM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    £5800 was the cost for the flights and accommodation and £3700 for the tickets plus we need to save spending money

    But it's our daughters 16th and my mum in laws 60th on the same day next year so we need to pull out the stops

    I think the year after will be the sun £9.50 caravan break
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • clearmydebts
    • By clearmydebts 13th Jul 17, 11:41 PM
    • 6,082 Posts
    • 17,551 Thanks
    clearmydebts
    £5800 was the cost for the flights and accommodation and £3700 for the tickets plus we need to save spending money

    But it's our daughters 16th and my mum in laws 60th on the same day next year so we need to pull out the stops

    I think the year after will be the sun £9.50 caravan break
    Originally posted by abba1772
    It's one of them special trips and no better woman to pay it off 😉
    Total debt (starting September 2016): €21,973/€27,000
    BOI credit card: €6,000/€7,000
    Loan:€15,973/
    Savings: €0
    • parsniphead
    • By parsniphead 14th Jul 17, 10:26 AM
    • 2,239 Posts
    • 14,230 Thanks
    parsniphead
    Thank goodness my DS has never shown any interest in Disney. That's a shocking amount of money.

    I hope you are feeling better today.
    My August to Christmas challenge:.
    Pay off £2500 debt - £1088/2500 43.52%
    Completely declutter the house by Christmas day...all of it.

    Nothing gets better until you get better.
    • abba1772
    • By abba1772 14th Jul 17, 8:12 PM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    Thank goodness my DS has never shown any interest in Disney. That's a shocking amount of money.

    I hope you are feeling better today.
    Originally posted by parsniphead
    It is a shocking amount but it'll be worth the stress I'm sure xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • abba1772
    • By abba1772 18th Jul 17, 4:56 PM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    Afternoon

    Sorry I wasn't on yesterday between working, my daughters 15th and a hospital appointment for my floor I was literally run off my feet :rotfl

    Yesterday was a spendy day £4.50 for playgroup then took Abbie to a ceiling obstacle course in Glasgow £42 and gave Kk and hubby £10 for the arcades as hubby is scared of heights then Abbie picked a Chinese buffet for dinner that was £55 have had to dip into the back up fund but I guess that's what it's for

    Today has been busy had to phone in sick for hubby who had a dizzy turn this morning so he went back to sleep at 6am and I had to stay awake so I could phone his work at 7am so I got up and cleaned the kitchen out which is spotless

    Started work at 9.30am, was out the door for 10am took the kids to homebaragains ans spent just under £10 on kitchen roll, two bottomless of irn bru, flavoured water for the kids, fairy non bio and a sealed tin for half of abbies birthday money which she's saving for Florida

    Then took the kids to our local sports centre which had softplay and bouncy castles for £11.60........not bad for four kids then a trip to Greggs for lunch spent £4.10 on sausage rolls and steals bakes foe the kids and then we were off to an arts and crafts section in the town centre and kids made minecraft related art work and got to meet Steve from minecraft

    Had to nip into savers and get hubby his cough medicine which is rotten £3.99 then Xander wanted to go into GAME as he wanted a Pokemon bag for going back to school so that's another thing off my list £24.99 so just abbies shoes to get, another packet of shirts for her and pencils etc and that us set for school

    Walked home and kids are playing Disney infinity as they are absolutely knackered and I'm having a drink

    Hubby feels better so he's away to fix his friends works van and service his wife's car then he's going to bed for a early night......in fact we all are and I'm bushed

    Got a surveyor on PA today for a whooping 20p still waiting on my £50.40 hitting my circle account seems to be taking ages ...........yes I'm impatient

    Hubby gets a pay packet on Friday thank god it's been a long two weeks but we've made it plus I should have a nice amount to sent to the Halifax card soon

    We've decided that we Are clear inv the debt pronto ..........we have £175 in the holiday fund, this will be used for the deposits for the theme park tickets which is £150 for the 6 of us then I'll use the remaining £25 to go towards my table fund complete with my survey money of £75 this leaves £125 to find for my new dining room table if I can't get it cheaper elsewhere e.g. Gumtree so any money hubby gets for homers will be put towards the table fund and the rest towards the debt, still hoping to get Halifax card under the £3k mark by the end of the month as I'm wanting it gone
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • moneyonmymindsam
    • By moneyonmymindsam 18th Jul 17, 7:16 PM
    • 1,213 Posts
    • 3,542 Thanks
    moneyonmymindsam
    Oh My gosh - Just had a catch up. As always so proud of you.


    Hope hubby has got rid of his lurgy now and back in usual spirits. Wow Ab's 15 ( fainted ) where the heck has that come from ..lol


    Couldn't think of anywhere better than Disney for such a special person. Hope they don't keep you there and use you as a new attraction.. and Here we have SUPERMUM :-) :-)


    Sam xx
    Savings £9000 I hope!!
    NOT Buying (M)any clothes 2017
    Vouchers £0 NO DEBT
    • abba1772
    • By abba1772 18th Jul 17, 8:43 PM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    Oh My gosh - Just had a catch up. As always so proud of you.


    Hope hubby has got rid of his lurgy now and back in usual spirits. Wow Ab's 15 ( fainted ) where the heck has that come from ..lol


    Couldn't think of anywhere better than Disney for such a special person. Hope they don't keep you there and use you as a new attraction.. and Here we have SUPERMUM :-) :-)


    Sam xx
    Originally posted by moneyonmymindsam
    He's much better thanks just needed rest........well kind of he did a homer handed me £40 so it'll get split between debt and table fund he's got another homer sitting in my driveway

    I'm telling you it doesn't feel like I had her 15 years ago lol I don't feel old enough to have a 15 year old
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • parsniphead
    • By parsniphead 19th Jul 17, 6:28 AM
    • 2,239 Posts
    • 14,230 Thanks
    parsniphead
    You do have some busy days Abba, but sounds like you had fun.

    It's a good little side business your DH has there. He always seems busy.
    My August to Christmas challenge:.
    Pay off £2500 debt - £1088/2500 43.52%
    Completely declutter the house by Christmas day...all of it.

    Nothing gets better until you get better.
    • abba1772
    • By abba1772 19th Jul 17, 8:30 AM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    You do have some busy days Abba, but sounds like you had fun.

    It's a good little side business your DH has there. He always seems busy.
    Originally posted by parsniphead
    We do have fun...........that's why I love my job, it's hard work but so rewarding xx

    We were going to go to the cinema today for the kids club to see Lego batman which would have cost me £15 but decided we are nipping to Asda so I can buy the DVD and I'll buy popcorn and we will come back to mine and have a cinema day in the house therefore saving me pennies

    Hubby still not well he's under strict orders to get his bottom to the doctors as he's never taken two days of sick in a row it money we honestly couldn't afford to lose but we will be ok we always are

    Working 8.30am til 3.30pm today so not too bad of a shift

    Got a washing on the line waiting for kid s to wake up so I can get another in the machine a sling don't want to go into their room and wake them up as they are having a lie in

    Need to get bread whilst I'm at Asda and a couple of weight watcher meals for tonight and that should be it for spends today

    Avon delivery tomorrow managed to accrue £424 in orders means I get £97 commission I'll take that again it'll get split in the middle

    Have a couple of pairs of kks shoes to put on fb selling pages clarks And van shoes so didn't want to just chuck them or charity shop pile the next so whatever I get for the. Will be getting put straight to the debt

    Itching to decluttering don't know why but it's there so need to find something to clear out to satisfy it otherwise whatever isn't pinned down will be getting sold

    Hope you all have a lovely day as the sun is shining in sunny Scotland right now............for now
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
    • abba1772
    • By abba1772 21st Jul 17, 3:55 PM
    • 3,952 Posts
    • 11,971 Thanks
    abba1772
    Afternoon

    It's my third wedding anniversary with my hubby time has flown in

    So far we have spent it with me working with three kids as well as my own going to playgroup £4 then straight from there we went to the town and let the kids play on the kids stuff as there was a fun day, kids are bushed and I'm nearly finished work sitting outside with one as they've fallen asleep oin the buggy the others are watching a movie

    No plans for tonight tho as we have the kids so we are going to do something tomorrow

    Managed to get rid of a majority of my avon last night got three deliveries tonight so not too bad

    Kids will be going to there grans tomorrow so me and hubby have Saturday night Sunday morning to ourselves so intend on putting my feet up as it's been a full blown working week for me and with poor hubby being ill and been off since Tuesday (no pay I might add) it's been tough going but we've got through it need to remember hubby's wage will be c r a p next week so might not be hitting the debt with as much as I can

    I have a confession went to homebargains to buy curry sauce £1 and bought 2 bottles of juice £2 ................and a pair of crushed velvet silver curtains OMG I'm in love and as soon as I've finished work I'm getting the iron out and they are going up they were only £35 so defo a bargain as I've been on the hunt for these curtains for a while so I couldn't resist even insisted hubby buy the. For my anniversary present but he was having none of it he's still initiating he get me something xx

    Better get the kids bags ready for their parents picking them up xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4773.56
    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 £6047.65 / £6000
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