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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 3,750Posts
    • 10,665Thanks
    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 131
    • abba1772
    • By abba1772 15th Sep 17, 5:33 PM
    • 3,750 Posts
    • 10,665 Thanks
    abba1772
    Evening

    Was working today from 7.30am til 2.30pm so not too bad

    We decided on a lazy day so kids watched teenage mutant turtles with loads of munchies whilst I pottered about the house, sorted out some paperwork did some surveys on PA made more than £10 today

    Once my mindee got picked up we walked to Asda for butter and deodorant for bob and got conned into sweeties so spent £3.75

    Picked up my eBay parcels my jacket fits like a dream so defo a bargain

    Got some avon customers to chase up tonight but so far we have £692 in orders really want to hit the £700 mark here's hoping lol xx

    Off to make dinner for hubby getting home xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5604.33
    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 £4116.93 / £6000
    • Hiddenidenity
    • By Hiddenidenity 17th Sep 17, 7:17 PM
    • 4,757 Posts
    • 20,661 Thanks
    Hiddenidenity
    Wow amazing Avon orders!

    Hope you've had a good weekend x
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • nonnie44
    • By nonnie44 18th Sep 17, 12:16 PM
    • 425 Posts
    • 691 Thanks
    nonnie44
    I enquired and found out that the original Mighty Morphin Power Rangers are going, some Torchwood characters and Peter Davidson.....now in fairness if it was David Tennant, I may well have knocked dd to the ground and stolen her ticket but alas I'm not sure Peter's worth a potential injury.

    Sounds like a fun day out, unfortunately she is going with old school friends so we wouldn't intrude, bless her though she wouldn't mind if we did.

    Have you looked at 'The Dibb' forum? It has loads of information about Disney (Disney Information Bulletin Board) and they're a really friendly crowd. I learned lots of hints and tips before we went xx
    • abba1772
    • By abba1772 18th Sep 17, 12:43 PM
    • 3,750 Posts
    • 10,665 Thanks
    abba1772
    I enquired and found out that the original Mighty Morphin Power Rangers are going, some Torchwood characters and Peter Davidson.....now in fairness if it was David Tennant, I may well have knocked dd to the ground and stolen her ticket but alas I'm not sure Peter's worth a potential injury.

    Sounds like a fun day out, unfortunately she is going with old school friends so we wouldn't intrude, bless her though she wouldn't mind if we did.

    Have you looked at 'The Dibb' forum? It has loads of information about Disney (Disney Information Bulletin Board) and they're a really friendly crowd. I learned lots of hints and tips before we went xx
    Originally posted by nonnie44
    Thanks nonnie il look into the dibb forum always on the look out for tips for pour Florida holiday xx

    Boys wants pictures with the power rangers and Abbie wants a picture with shade.....going to be pricey
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5604.33
    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 £4116.93 / £6000
    • abba1772
    • By abba1772 18th Sep 17, 4:16 PM
    • 3,750 Posts
    • 10,665 Thanks
    abba1772
    Evening

    Well was meant to be working but my college student says her kids were going to their grans so I'll still get paid

    Decided seeing as it was just me and my boys (Abbie stayed at her friends house last night) we went out for a game of bowling, we walked there and back.......poor Kk but he managed it plus we took our own snacks so we spent £11 on a game of bowling Kk whipped xanders butt

    We then nipped into card factory and spent £3.69 on cards for hubby's birthday on Wednesday then we popped into homebargains and got gravy granules for dinner tonight £1.29, breakfast bars for hubby £1 and a iron man costume for Kk for going to comic con seeing as they didn't have any batman ones £8.99

    Also sent over £102 towards the Halifax card determined to have this gone before Xmas even if it kills me

    Managed to notify tax credits of change of circumstances with hubby's job so god knows when that will get sorted hopefully not too long as I get mine 4 weekly so I'm hoping it won't take longer than that to sort out as we got our last payment last week

    Now off to tackle my ironing pile xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5604.33
    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 £4116.93 / £6000
    • abba1772
    • By abba1772 19th Sep 17, 2:09 PM
    • 3,750 Posts
    • 10,665 Thanks
    abba1772
    Afternoon

    Waiting on the washing machine finishing so thought I would pop on xx

    Started work at 9am took the boys to toddlers on the bus £4 then £2 for toddlers boys had a blast

    Nipped into homebaragains as needed fairy non bio £3.99 then Kk wanted a roll from Greggs £1 so they ate their lunch in the sunshine before we hopped on the bus to take the boys to nursery

    Came home had my lunch stripped my bed and put a washing on which is nearly finished once that's out I'll mop my hallway floor then go and pick up the after school kids for today seeing a son it's such a nice day they can play out the back for a while

    Managed to get Abbie one of those light up mirrors from b&m for her Xmas Amazon wanted over £200 but they were selling them for £29.99 so it's hidden at my grans
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5604.33
    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 £4116.93 / £6000
    • abba1772
    • By abba1772 20th Sep 17, 9:32 AM
    • 3,750 Posts
    • 10,665 Thanks
    abba1772
    Morning

    Kids are playing away so I've done my daily round down of 91p better than nothing

    Started work at 7am so tired we are just waiting to get ready for our FREE dance and music class

    Checked to see if my tax credits claim has been updated which I was very surprised to say it has been that was only two days ago that I updated my claim, we've taken a hit wages wise but tax credits has increased so I'm going to pretend that money is not there and the extra money will be going towards debt repayments

    I have a plan my financial adviser wants the little accounts settled and the Halifax card cleared so I have the following small accounts to clear:

    Very £799 this was all our large kitchen appliances
    Argos £330 this was the cooker
    Hubby's phone £150 due to end August 2018

    So my plan is to get these cleared with the tax credits money increase before end of December and I'll continue to pay down the Halifax like I'm doing just now and hoping just hoping I can have this card cleared asap

    Means I have cleared three accounts and my credit file will look a bit better when it comes to remortgaging

    It's a bit overwhelming to be honest plus need to get organised for Xmas but I'm sure we will manage xx

    It's hubby's birthday today he's got his laptop we are off to weatherspoons for our dinner tonight with our family and I'm nipping to Asda to get him a cake after I've dropped the boys off at nursery xx

    Off to be Kk dressed before we head out xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5604.33
    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 £4116.93 / £6000
    • kirtsypoos
    • By kirtsypoos 20th Sep 17, 9:50 AM
    • 2,963 Posts
    • 13,192 Thanks
    kirtsypoos
    Happy birthday to Bob Abba Have a lovely meal
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16231.98/14,539.71
    • parsniphead
    • By parsniphead 20th Sep 17, 11:39 AM
    • 2,146 Posts
    • 13,554 Thanks
    parsniphead
    Good luck with clearing then mall aa counts. No doubt you will do it. It never ceases to amaze me what you achieve.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • abba1772
    • By abba1772 20th Sep 17, 4:23 PM
    • 3,750 Posts
    • 10,665 Thanks
    abba1772
    Tested out my new waterproof jacket on the way to Asda it works only had to change my trousers

    Bought bread £1 two packs of bagels £2 warburton thins 75p and a caramel cake was £12 but it was reduced to £9.48 looks yummy too

    My gran gave me £20 towards hubby's dinner she a wee star

    Plus for one day only weatherspoons are reducing their prices on their food and drink ..........I ain't silly
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5604.33
    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 £4116.93 / £6000
    • jwil
    • By jwil 21st Sep 17, 3:53 PM
    • 7,570 Posts
    • 21,001 Thanks
    jwil
    Happy Birthday to your DH!

    Good luck with clearing the small accounts, if anyone can do it, you can!
    "If you can dream it, you can do it". Walt Disney
    • abba1772
    • By abba1772 22nd Sep 17, 2:46 PM
    • 3,750 Posts
    • 10,665 Thanks
    abba1772
    Afternoon

    How are we all today???

    Started work at 7.30am so got up and had a shower before I started work

    Set up playgroup £2 19 kids attended was quite noisy and Kk was grumpy butt

    Bought rolls from the bakers £3.50 then after lunch drop the boys off at nursery xx

    Walked into the town to put money in the bank then popped into homebargains and got two hand washes £1.98, toilet paper £2, ribs aid for the dish washer £1.69, batman pjs for kks Xmas £5.99 and shampoo £2.59

    Now I need to get ready for the school pick up from 3pm to 5pm then I need to deliver a avon for 5.30pm as one of my customers hubby's in the hospital so she asked if I could drop it off early xx

    After dinner I'll be out delivering another box of avon orders then I can get a seat

    Feeling tired today don't know what's up with me must be the Friday feeling xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5604.33
    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 £4116.93 / £6000
    • Hiddenidenity
    • By Hiddenidenity 22nd Sep 17, 10:36 PM
    • 4,757 Posts
    • 20,661 Thanks
    Hiddenidenity
    Have a lovely weekend Abba x
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
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