Abba1772's Debt Free Diary

moneyonmymindsam

You are doing brilliant as always!!!


I can't believe you are so organised and only the veg and meat to pickup !!!
Well done on ISA and DH's credit rating -:j


I'm starting to get excited:j about xmas :xmastree::xmassign:

moneyonmymindsam

Fingers and toes crossed for kk poor little mite xxx

choogirl

Happy Christmas Abba, hope you've had a lovely time xxxx

abba1772

Afternoon :hello:

Haven't abandoned you just enjoying time with the family, hubby went back to work this morning and Abbie is away out to her friends for the day so it's just me and my boys

Kaleb finally recovered from his sickness bug he was was sick for 8 days straight at least 2-3 times a day took him to docs twice to be told it was a viral........I swear to god I reckon doctors earn commission for that word :mad: but it's been days now since he was sick :T so hoping he's on the mend xx

Hope you all had a lovely Xmas, I got spoiled, I got a diamond necklace, a pair of Nike air maxes, money, gift vouchers, earrings, a new watch and a dean Winchester (supernatural) figurine hubby knows me too well :j kids were spoiled as well still struggling to find places to put their new stuff in their room lol xx

Spends haven't been too bad, spent £37 in Asda on Saturday then today spent about £20 so not too bad could have been worse I guess it helps I've not been impressed with the sales tbh :rotfl:

Awaiting my barclaycard statement so I can pay another £100 towards it then I'll calculate how much debt I have exactly to clear in 2016.........me and hubby have started looking at houses to spur us on even more really hoping 2016 is the year we get a mortgage agreement in priciple then it'll be go go go so we have 12 months to clear debt and save £10k in the mortgage savings xx

Right now I'm waffling off to watch some to with the boys xx

abba1772

Well my barclaycard statement came through this morning so paid £100 straightaway :j

So I've finally sat down after doing the food shop by myself spent £160 on everything and every cupboard shelf fridge freezer are budging so I done good and considering we haven't done a proper shop for 8 weeks I'm happy with that xx

So here is my debts at the end of 2015

Argos £299.00
Barclaycard CC. £894.45
Couch. £1142.30
BoS CC. £ 3649.12

So this makes my total debt to begin 2016 with is £5984.87 :j

I would love for this to be paid off by July but I doubt it, the couch is direct debit every month so that'll run until I can put money by to clear it off in one go

I'm so pleased I managed to get the debt under £6k as that was my aim

My mortgage deposit is sitting at £5200 :T so we are past the halfway point

So 2016 will be all systems go and I can't wait, we have a caravan holiday at the start of July to look forward to and I also need to pay off Abbie's trip to Italy but we will do it

Hope you all have a lovely new year we are having a quiet one with just me hubby and the three kids xx

jwil

Well done, you are doing great!

Happy New Year xx

abba1772

HAPPY NEW YEAR PEEPS!!!!!!!!

Made my first sale of the year sold one of kks big tots he's outgrown for £5 and it's been picked up and paid for so sent £2.50 towards the mortgage fund :T

Got to go through all of the kids clothes and stuff they don't use and start selling to boost the mortgage fund and start decluttering the house ready for a potential house move at the end of the year / start of 2017

And so it begins...........hoping by the end of this year we have a mortgage promise xx

abba1772

Well a nsd day here that's two for January so far :j

Organised my avon books for going out tomorrOw and visited my gran as hubby was doing some jobs round the house for her so had a lovely catch up xx

No debt or saving payments done today waiting for the bills to come out tomorrow then I'll see where I go from there xx

Off to nosey at other peoples diaries xx

moneyonmymindsam

2016 starting under 6K OMG well done !! :j

moneyonmymindsam

Hope your new year turns out to be as lovely as you !!!


Fingers, Toes and eyes crossed we have some luck this year
xx