Abba1772's Debt Free Diary

abba1772

monz wrote: »

I love how dedicated you are not just saving mortgage/ debt but making sure it just does not affect your kids missing out what so ever x

The way I look at it is it wasn't them that racked up the debt or want to buy a house so why should they miss out..........if it means me and hubby go without so be it xx

I currently have three boys age 7 8 and 9 mailing valentines cards for their loved ones......how cute xx

jwil

Just catching up, huge congratulations on clearing the card abba :T :T :T :T :T

abba1772

jwil wrote: »

Just catching up, huge congratulations on clearing the card abba :T :T :T :T :T

Thanks jwil it's nice to clear something off feels good knowing there are only 3 debts to go xx

abba1772

College paid me only two weeks tho :mad: so rounded it up and transferred £200 towards to mortgage account so it's sitting at £5800 only another £200 to go til I hit my target looks doubtful tho xx

abba1772

Afternoon :hello:

Been a busy morning as usual started work at 7am .............went and set playgroup up it was a quiet session but sometimes those are the best means I got to sit down a couple of times :rotfl:

LSD today £1.50 for playgroup fees and £2 for 2 bottles of juice............hubby taking me out for a early Valentine's Day treat we Are off to see deapool :T can't wait but it's weigh in tomorrow so will pop into Asda to get some fruit instead of crisps or sweets :A need to be good lol xx

Still not been paid by two of my parents :mad: one just informed me she only phone tax credits yesterday :mad: so god know when she will pay me on the bright side it'll be over £200 due but could be doing with the money this week we will just need to be extra tight this weekend xx we can do it

Hubby was proper quizzing me on how I've managed to lay the Barclaycard off so quickly, was shocked when he realised over £1000 a month goes towards savings or debt.........he called it spare money eh no it allocated I'm scrimping and scraping so we will, be in the best financial position we can be when applying for this mortgage at the end of the year

Hubby is due a ton of overtime in March at time and a half so about £15 a hour so he was asking me if I minded if he stayed til 8pm Monday to Thursday.........eh of course not mean I can put this money towards the holiday we booked up north that needs to be paid by May so he's agreed that's what the overtime can be used towards and anything else can get split between the debt and mortgage deposit

Start work again at 3pm til 6pm kids are getting picked up to go to their grans later so we can have a date night roll on the weekend as need some decent sleep as not sleeping right xx

Hope you all have a lovely weekend xx

abba1772

Morning :hello:

Had a LS weekend as mil had the kids so we had a lazy day Saturday just watching movies and yesterday we had a kind of productive day I gutted the front garden whilst hubby did a homer xx

Started work today at 7.45am won't finish til 6, kids are off for February break :eek: so I have 5 kids today :eek: should have been 6 but one isn't well

Decided we will be going for a walk in the woods later on bonus is that it's free :T then it'll be back to mine for lunch and a movie should be a LSD as has to nip out for milk and butter which was £2 so I'm not expecting to spend anything else today xx

Really need to be tight with money this week since I've not been paid by one of my parents yet :mad: I have money allocated for tomorrow as we have toddlers and an inflatable day at the local school so tomorrow is a super spend day :mad: but the money is there, I have about £9 in my bank account once the direct debit for the couch comes out tomorrow so like I said money is tight, I do have some money in the savings but it's money I will only touch if I really need it xx

Off to make breakfast chat soon xx

abba1772

Afternoon :hello:

I have £8.88 in my bank account and about £40 in my purse this needs to last me til Monday seeing as one of my parents has decided to dictate to me when I shall be getting paid because she didn't inform tax credits til last week that she was requiring childcare so !!!! knows when I'll get paid, apparently next week but can't rock the boat as its over £200 so decided we are going to have a quiet weekend and crack on with letting kk strut round the house in his big boy panties instead of pull ups :T we shall see how that goes :rotfl:

Spent £5.34 in the local shop :mad: (so expensive) on butter, two bottles of juice and two magazines, then bought my three childminding kids a cake each £2.85 so a LSD

Been working since 7am won't finish til 5.30pm thank goodness I'm off tomorrow :j and so is hubby

Kids are watching dispicable me so quiet time has allowed me to get the dishes done, get a washing on the radiators and sort the ironing piles out.......happy days plus I made mine and hubby's dinner whist making lunch :A on a roll :T

I get paid off two parents on Monday :T:T:T tax credits on Wednesday and hubby gets paid on Thursday so just need to hold off and hubby agrees that we can struggle for a few months in order to clear the debt as long as we have one day out with the kids every month eg bowling, cinema or other things that cost and we will look at other ways to enjoy free days out like walks in the woods, park etc we will do this and it'll be much better as part of a team xx

abba1772

Morning :hello:

Everyone is still sleeping and my mindee is watching paw patrol so thought I would nip on here for a catch up xx

Working 8am til 1pm just a extra shift but welcome the pennies :j as had only £7.30 left after 2 days so not too bad plus just got paid £20 so that's to do me til Monday so hopefully we can do it

Need to nip to Asda later on so need to write a list of stuff we need to tide us over the weekend, don't thinks there's a lot defo need gravy granules and pull ups for kk so hopefully it won't be too expensive xx

No debt payments or savings as of yet but that will change next week :T

Got avon to put through tonight so far I have over £400 in orders so hopefully that'll be over £100 in commission so £50 should be winging its way to the mortgage fund next week xx

Best go that's lazy butt kk woke up xx

stepuptothepl8

Evening! You need to update your sig, I want to know what your next target will be! Happy Friday x

abba1772

stepuptothepl8 wrote: »

Evening! You need to update your sig, I want to know what your next target will be! Happy Friday x

I'm still debating tackling the Argos debt which is £299 or just tackle the credit card which is sitting at £3998 .............what do u think I should tackle first ????? Credit card has interest whilst Argos is 0%