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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 2,984Posts
    • 6,933Thanks
    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 96
    • monz
    • By monz 10th Oct 16, 10:26 AM
    • 1,929 Posts
    • 4,057 Thanks
    monz
    Amazing news x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • abba1772
    • By abba1772 10th Oct 16, 4:48 PM
    • 2,984 Posts
    • 6,933 Thanks
    abba1772
    Afternoon

    Been a LSD today set up playgroup £2 and that's all I've spent today rounded down my account and sent £12.22 towards the barclaycard

    I'm two weeks ahead of schedule here on paper it says I should have cleared it end of January but I want it cleared for before Xmas so that's the aim and we shall see xx

    Put my avon through on Friday I have £565 worth of orders should have been more but all the their blooming pjs were out of stock so so I should make about £130 commission £50 of this will be allocated towards the barclaycard

    Gutted my bedroom and dusted it, bleached the bathroom so it's all sparkly and the boys room has been cleaned up, measured their windows for blinds for their room found blue black out blinds made to measure for £46.99 for two woo hoo just waiting on them answering my question then I'll buy them so the money I got for selling their Lego curtains has covered this

    Also assembled abbies little side drawers today so it's defo been productive now to start tackling the downstairs xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £432.7

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7106.68/ £6000
    • stepuptothepl8
    • By stepuptothepl8 10th Oct 16, 8:08 PM
    • 679 Posts
    • 3,170 Thanks
    stepuptothepl8
    Blimey you never stop!! Congrats on hubby's new job too!! Fantastic orders, will it ramp up between now and Christmas?
    LBM 1st Feb 2015
    £9990 to go
    my diary: time to step up to the plate. SPC#503

    Bristol half marathon done!
    • abba1772
    • By abba1772 10th Oct 16, 8:37 PM
    • 2,984 Posts
    • 6,933 Thanks
    abba1772
    Blimey you never stop!! Congrats on hubby's new job too!! Fantastic orders, will it ramp up between now and Christmas?
    Originally posted by stepuptothepl8
    They normally start increasing the most I've ever had is orders is £640 stars Xmas time so we shall see xx

    I never do stop don't know how to lol xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £432.7

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7106.68/ £6000
    • abba1772
    • By abba1772 12th Oct 16, 9:06 PM
    • 2,984 Posts
    • 6,933 Thanks
    abba1772
    Evening

    Ooooooooohhhhhhhhh I haven't posted for 2 days naughty abba

    Plodding along had a day off today so decided to get my wedding pictures printed off for my picture frame I got made up ............sat for ages figuring out what pictures I wanted, walked into the town printed my pictures off spent £18.06 but they are worth it, got home put the pictures in the frame went to put the backing on the frame and CRACK flipping glass cracked all the way from one corner to corner so my frame is back at the framers getting the glass replaced at the cost of a tenner so not too bad

    Put wood filler in the holes in my skirting boards my bedroom so need to wait for that to dry then I'll sand it down and I can paint it tomorrow after my avon run

    Still paying down the barclaycard aiming to get this under the £1600 mark by the end of the week, fingers crossed xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £432.7

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7106.68/ £6000
    • monz
    • By monz 13th Oct 16, 9:32 AM
    • 1,929 Posts
    • 4,057 Thanks
    monz
    You can do it Abba! Is that the last to pay off ?x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • moneyonmymindsam
    • By moneyonmymindsam 13th Oct 16, 9:03 PM
    • 1,056 Posts
    • 2,994 Thanks
    moneyonmymindsam
    He got the job jammy git lol xx
    Originally posted by abba1772
    And what a lovely Jammy git he is....so pleased for you
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • moneyonmymindsam
    • By moneyonmymindsam 13th Oct 16, 9:06 PM
    • 1,056 Posts
    • 2,994 Thanks
    moneyonmymindsam
    You can do it Abba! Is that the last to pay off ?x
    Originally posted by monz
    Hope not else we will miss her ...
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • abba1772
    • By abba1772 13th Oct 16, 11:05 PM
    • 2,984 Posts
    • 6,933 Thanks
    abba1772
    You can do it Abba! Is that the last to pay off ?x
    Originally posted by monz
    Nope unfortunately not next target will my Halifax which has just over £5k on it will start hitting that after I've paid off the holiday xx

    Not getting rid of me that easily xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £432.7

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7106.68/ £6000
    • abba1772
    • By abba1772 13th Oct 16, 11:07 PM
    • 2,984 Posts
    • 6,933 Thanks
    abba1772
    Hope not else we will miss her ...
    Originally posted by moneyonmymindsam

    Awwwwwww shucks
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £432.7

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7106.68/ £6000
    • monz
    • By monz 14th Oct 16, 9:29 AM
    • 1,929 Posts
    • 4,057 Thanks
    monz
    Dont want you to leave anyway and carry on with your saving stories complete in awe of you xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • abba1772
    • By abba1772 14th Oct 16, 12:11 PM
    • 2,984 Posts
    • 6,933 Thanks
    abba1772
    Dont want you to leave anyway and carry on with your saving stories complete in awe of you xx
    Originally posted by monz
    You're not doing too bad yourself monz xx

    I don't think I could give my diary up to be fair it sort of keeps me on the straight and narrow xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £432.7

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7106.68/ £6000
    • monz
    • By monz 14th Oct 16, 12:58 PM
    • 1,929 Posts
    • 4,057 Thanks
    monz
    Mine (if comes through) is just luck Yours is hard work and determination <3 xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.93 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 5/365 No.35
    • Calling14
    • By Calling14 14th Oct 16, 2:25 PM
    • 2,140 Posts
    • 15,190 Thanks
    Calling14
    Glad you will be hanging around for ages I do read up but not always get around to posting. Inspirational reading.

    Have a lovely weekend. x
    LBM 13039 1.1.13 Now 4025.00 17/11/16
    EFund #9 £110/£1,000 Saving xmas2016 #22 36/366
    PAYDBX 2016 #16 3260/6947.00 3687 to go
    #13 1debt v 100 days no24 381.27/1199.80 818.53 togo
    • moneyonmymindsam
    • By moneyonmymindsam 17th Oct 16, 8:55 PM
    • 1,056 Posts
    • 2,994 Thanks
    moneyonmymindsam
    You alright Abba?
    Taking a leaf out of your book and got inspire to do some painting ...if I end up permanently stuck to the Gloss skirting board you know who I will blame...lol


    Sam xx
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • abba1772
    • By abba1772 17th Oct 16, 9:23 PM
    • 2,984 Posts
    • 6,933 Thanks
    abba1772
    You alright Abba?
    Taking a leaf out of your book and got inspire to do some painting ...if I end up permanently stuck to the Gloss skirting board you know who I will blame...lol


    Sam xx
    Originally posted by moneyonmymindsam
    I'm fine Sam just been mega busy today..........as always xx

    My new furniture arrived yesterday its gorgeous xx

    Was on a mission last night put a pile of stuff including my old living room furniture so far I've made £150 this is going to towards the boys new mattresses so that's the money for one of them will keep selling til Saturday and see what I can get up to
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £432.7

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7106.68/ £6000
    • Calling14
    • By Calling14 18th Oct 16, 1:44 PM
    • 2,140 Posts
    • 15,190 Thanks
    Calling14
    I'm fine Sam just been mega busy today..........as always xx

    My new furniture arrived yesterday its gorgeous xx

    Was on a mission last night put a pile of stuff including my old living room furniture so far I've made £150 this is going to towards the boys new mattresses so that's the money for one of them will keep selling til Saturday and see what I can get up to
    Originally posted by abba1772
    Thats brilliant well done, keep on selling
    LBM 13039 1.1.13 Now 4025.00 17/11/16
    EFund #9 £110/£1,000 Saving xmas2016 #22 36/366
    PAYDBX 2016 #16 3260/6947.00 3687 to go
    #13 1debt v 100 days no24 381.27/1199.80 818.53 togo
    • moneyonmymindsam
    • By moneyonmymindsam 19th Oct 16, 9:53 PM
    • 1,056 Posts
    • 2,994 Thanks
    moneyonmymindsam
    WOW well done,






    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • abba1772
    • By abba1772 19th Oct 16, 10:30 PM
    • 2,984 Posts
    • 6,933 Thanks
    abba1772
    WOW well done,






    Originally posted by moneyonmymindsam

    Hahaha I wish
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £432.7

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7106.68/ £6000
    • abba1772
    • By abba1772 21st Oct 16, 8:39 AM
    • 2,984 Posts
    • 6,933 Thanks
    abba1772
    Morning

    This week has been hectic and today is also mad

    Sent my usual big payment towards the barclaycard so that's sitting at £1497.40 only £198.40 to go til I can declare that I've paid over £1000 in two months don't think I'm going to make it to the end of the month but I'll give it a good bash

    I am working today from 8am til 1pm then I'm finished for the week but I have playgroup to set up soon, then lunch then nursery run........need to nip to smyths as a favour to my friend then it's a walk into town to pick up my Xmas duvet I got off eBay from Argos , put money in the bank, then pick up kks paw patrol tracksuit I ordered from my catalogue for his Xmas cause it was reduced

    Ordered the boys new mattresses had budgeted £300 for them but got them for £210 plus cash back so the rest of the budget go spent on Xmas presents so I only have one more paw patrol item to buy next week for Kk and he is finished for his Xmas only two more kids to get for plus the hubby

    Hubby has informed me his wages are weekly pay that's going to take some adjustment tbh but I guess he won't feel skint every week just need to make sure that we get a system in place to ensure we aren't leaving ourselves short xx

    So I'm off to get Kk dressed then we will head off to playgroup xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £432.7

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7106.68/ £6000
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