Abba1772's Debt Free Diary

abba1772

moneyonmymindsam wrote: »

:hello: Hello, Hello


OH Darling sorry to hear about TAZ -Good idea to get stuff gone. Poor Abbie bless her little heart


This month seems to be a difficult and tight month for most people.


Was good to catch up on your diary ..you are still doing amazing:D


On your sig is that Pay Off as Much as you can ..I like that


I still have not had the crumpet and Choc spread ...although I did see massive crumpets on TV - Have you heard of pikelets? they are like thin crumpets apparently ..:rotfl:


I am going to try a bit harder to look after me this month. I know what you mean about the rain and wind I agree its a bit tough to get trying to do anything.. when the weather is bad.

Thanks Sam :)

It's just that time of year isn't it where everyone has better things to spend their money on rather than debt :rotfl:

Yes it is its on the challenges section of the forum been a participant for a while........it demo challaneges you to beat your target you set yourself xx

Haven't heard of pikelets will need to have a look into these.......I've banned the chocolate spread it doesn't help for me maintaining my weight as can happily just grab a spoon and eat it :rotfl:

Glad to hear your starting to look after you.......need to take my I own advice sometimes the right side of my back / ribs keeps going into spasms was very painful last night felt like I could breathe properly as it was that painful xx

Well the weekend was an expensive one went to an outlet place and spent all the money I had saved on clothes for the kids for their Xmas plus I got myself some new hoodies to replace my battered one, a new pair of leggings to replace my holey ones and hubby bought me a new pair of trainers, I'm £11.01 short but payments are still pending so I'll be fine till tomorrow, due to get paid by two parents tomorrow morning so I'll put my wages straight away into the bank first thing, then need to pay £40.50 for my passes for the sports centre, it's a yearly thing :mad: rip off and I'm thinking of putting £50 towards the credit card and then hubby get paid on Wednesday :T woo hoo can't come quick enough to

Can't wait to see how much total debt has been reduced this month, I doubt it'll be as much as what it's been the last two months but any amount is better than nothing at this time of year xx

Off to get ready for playgroup xx

abba1772

Hello :hello:

Been a busy day as usual :rotfl:

Got the bus into town £3.70 return :eek: popped into the sports centre to pay for my family pass £40.45 for the year :mad: which is a rip off then dropped another bag off to the charity shop as cleared out some of the kids clothes drawers and a couple of big toys that were no longer getting played with :cool:

Then it was off to farmfoods to get juice for me, juice for Abbie to take to school, cheese and milk, spent £8 in there then spent £2.39 on shower gel for hubby and deodorant for Abbie

Then it. Was off to toddlers £2 let the boys run about then it was time to come home, not before stopping off at subway so I could get a salad £4.50 .....their so yummy xx

Now home waiting on one of my minders mums showing up she did warn me she was going to be late :rotfl:

Been working since 8am should have been 7am but one of my wee mindees is not well so they are off, then I've got after schoolers from 3pm til 5.30pm

Hubby is getting paid tomorrow so sent £55.32 towards my barcalycard :T only another £29.65 til it's under £1700 :T so far I'm on target to getting this card to £1499 before the end of the year :T

Also sent £7.50 towards the mortgage account which was part of my avon commission I still owe £50 towards it as used it elsewhere, but I'll put that money in once hubby transfers the money over tomorrow morning xx

Avon is due to be delivered to me on Thursday they reckon I've made £80 commission so that'll be another £40 towards the mortgage account next week it's all adding up can't wait to hit the £5k mark as it means we are halfway there xx

jwil

You are doing so well abba :T :T :T

Sorry to hear about Taz though, it's always hard losing a pet x

stepuptothepl8

I'm exhausted reading that! You are doing so well

I'm sorry to hear about Taz. We lost our piggies last year and it's still odd to go outside and not hear their squeaks xx

abba1772

stepuptothepl8 wrote: »

I'm exhausted reading that! You are doing so well

I'm sorry to hear about Taz. We lost our piggies last year and it's still odd to go outside and not hear their squeaks xx

Yeah that's the bit I'm finding strange is not hearing his squeaks xx

moneyonmymindsam

Happy Tuesday my Lovely


MMSam

abba1772

Right hubby has been paid so transferred £50 towards the mortgage account only £192.50 til I hit the £5k mark :j hopefully I can hit £5500 by the end of the year :cool:

Hubby paid me back for my trainers he had bought me for my birthday so sent £60 back to the savings and sent £35.20 towards the barclaycard bringing it under the £1700 mark :j:T:j:T

Working since 8am (kids are watching mikey mouse before we go off to our little singing and dancing club) so thought I would pop on

Taking Abbie to the cinema with the hubby tonight to see the last hunger games movie so I've activated my 2 for 1 meerkat voucher :A

Need to get diluting juice today so will get that on the way back from the dancing group this morning then we are watching the minion movie followed by quiet time which normally means they all go for a nap so if they do I will tackle the massive ironing pile I've accrued :rotfl:

Right off to get ready for this group xx

abba1772

Hhmmmm took a sneak peak at how much my debt has reduced and it's actually went up due to buying the kids TVs for their Xmas :mad: proper gutted and I've not even paid off a lot this month :mad: under £400

Won't be getting my debt under the £6k mark.........might revise the £5500 target and aim for £5000 in the mortgage fund before the year is out and chuck anything extra at the debt as that's what the mortgage company will be concerned about really wanted it under the £6k by the end of the year

Anyone got any opinions ???? Seriously on a downer right now

stepuptothepl8

Don't be on a downer, you've achieved so much. I know it's hard when you see a debt go up, but look at the mortgage fund - sometimes something has to give. You'll come back fighting in the new year! Fwiw I've cut down my OPs to the mortgage so that I can concentrate on the debts; I want to remortgage in the next 18months or so, and I'd feel much happier if my debts were gone.

You're doing great - you're organised with Christmas, and you've got plans in place to sort the debt, and your mortgage. Give yourself credit for that x

abba1772

stepuptothepl8 wrote: »

Don't be on a downer, you've achieved so much. I know it's hard when you see a debt go up, but look at the mortgage fund - sometimes something has to give. You'll come back fighting in the new year! Fwiw I've cut down my OPs to the mortgage so that I can concentrate on the debts; I want to remortgage in the next 18months or so, and I'd feel much happier if my debts were gone.

You're doing great - you're organised with Christmas, and you've got plans in place to sort the debt, and your mortgage. Give yourself credit for that x

Thanks stepuotothepl8 :beer:

Been thinking about it all day and I've rejigged my targets

My targets are :

Get mortgage account to £5100 by the end of the year
Get the barclaycard down to £999 by the end of the year :eek:
Clear the Argos card that the TVs are on by end of February

Let's see if I can do this as 2016 will be my year to be debt free and to start looking for our dream house xx