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Abba1772's Debt Free Diary

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  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    nonnie44 wrote: »
    Your an absolute machine and your motivation is just amazing!

    How is Abbie getting on at school now, I hope she is feeling better. Luke is getting on a bit better, I ended up phoning his guidance teacher who was fab and she emailed all his teachers just to give them a heads up. Prelims in jan so time will tell but the hypnosis definitely calms him down.

    Not sure what school Abbie is at but dd has just today been told where her school placement is for jan and she is delighted....she got St Joseph's! Thanks goodness it's only half an hour away, the last one was Renfrew :eek:

    Hope you had fun wrapping :rotfl:

    Hi Nonnie :hello:

    Abbie is doing a lot better, she actually took matter she into her own hands informed the teachers what she was going through and they have all very very supportive of her..........she also did her English talk in front of her whole class and outed herself as someone who experiences mental health issues e.g. Anxiety and down thoughts to show them that just because you can put a smile on your face and "act" like everything's is ok doesn't mean that person doesn't have struggles. Her classmates were very shocked but it did raise a lot of awareness within her class :T

    I'm so proud of her as that's would have been a very difficult thing to do as it makes people look at you differently so I'm hoping she's turned a corner xx

    My daughter goes to grange academy which isn't too far from st Joseph's........small world we live in :rotfl:
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • You're a human dynamo Abba, can I have some of your energy please? :)

    What do you do with your Avon money? Do you put it towards debt or general expenses?

    You're working so hard you deserve to pay off your debts very soon :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    You're a human dynamo Abba, can I have some of your energy please? :)

    What do you do with your Avon money? Do you put it towards debt or general expenses?

    You're working so hard you deserve to pay off your debts very soon :).

    Hi hairy :hello:

    Normally I half the money and put half towards the debt and the other half is for the purse saves me dipping into the bank account but the last couple of orders half has went towards the Xmas shopping and and the other half has been spent on stuff like hotel rooms for abbies concert and deposit for xanders school trip next year :D

    So I've just placed my order tonight and I've got £750 in orders apparently the pjs that were out of stock are now in stock :T so I've placed order early ;) before they decide they aren't in stock any more :rotfl:

    I'll gain about £170 in commission so I'll chuck £100 towards the Halifax once the money is all collected and the rest will go in my purse and it means I don't need to touch the money in my bank........makes it look better when we go to remortgage ;););)
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • nonnie44
    nonnie44 Posts: 478 Forumite
    Part of the Furniture 100 Posts
    Wow Abba you must be so proud! That must have taken a massive amount of courage for Abbie to do that, what a girl, she is obviously made of tough stuff just like her mum :D
    Hopefully if anyone else was struggling then perhaps she has also given them the confidence to talk to someone, I always think that it only takes 1 person to open the door for lots of others.

    Going to take a drive to St J's tomorrow to let dd see where it's located, she does have a wee car but she's not a confident driver, think there might be a few trips over the next few weeks till she's confident....not so great for the petrol budget though ;)

    Well done on the Avon, just fantastic! xx
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Your daughter is an inspiration <3
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz wrote: »
    Your daughter is an inspiration <3

    I agree you must be so proud :A

    Well done on the Avon too! x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    nonnie44 wrote: »
    Wow Abba you must be so proud! That must have taken a massive amount of courage for Abbie to do that, what a girl, she is obviously made of tough stuff just like her mum :D
    Hopefully if anyone else was struggling then perhaps she has also given them the confidence to talk to someone, I always think that it only takes 1 person to open the door for lots of others.

    Going to take a drive to St J's tomorrow to let dd see where it's located, she does have a wee car but she's not a confident driver, think there might be a few trips over the next few weeks till she's confident....not so great for the petrol budget though ;)

    Well done on the Avon, just fantastic! xx


    I am so so proud of her she's bashing down boundaries she's a wee superstar.

    Got a couple of late avon orders :mad: so need to put them through asap but I got £830 in orders in total so can't complain xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Evening :hello:

    Been a very productive day today

    Set up playgroup 16 kids attended kids had a blast

    Came home fed the kids their lunch put a washing on then took the kids to nursery

    Came home ready for my next mindee decided we would wrap some presents managed to get my nine mindees presents all wrapped and put into their invidivual gift bags along with their arts and craft presents and some chocolate tree decorations they all are laid out in my kitchen, my little mindee wrapped her dollies up and stuck them under her tree for her mummy to find :rotfl:

    After my mindee lef with her wrapped up dollies :rotfl: I collected the kids from the school run and they all chilled out with a movie and popcorn as they were all shattered, finished work at 5.30pm wasn't too bad I guess

    Sent £100 to the barclaycard and £92.40 towards the Halifax ...tomorrow will be when I get my new statement for the Halifax interested to see how much I've saved on interest as last month I saved over £15 :eek: we shall see doubt it will be that much xx

    Our brand new shiny car that we got last year is gubbed :mad::mad::mad::mad::mad: so we are handing it back to the dealership and we are getting another car :mad::mad:will be test driving the new car tomorrow and see what our options are tomorrow ;)

    Off to put my boys to bed xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Morning :hello:

    It's blooming freezing I'm wrapped up in. My super fleecy house coat and yet I'm still cold :snow_laug

    Kk woke up with a temperature so we heard having a quiet day in the house today as he doesn't want to go to toddlers ..........saves me at least £10 :T

    Had to put a wash on as poor Kk has this dreaded cough and he was sick with all the coughing but he brought up quite a bit of phlegm which is normally a good thing for him thank goodness at least it's not sitting in his chest

    I am working today but they are all playing with the Lego building castles :T so thought I would check my banking and sent £8.08 towards the Halifax card

    Checked my statements and I've saved £3.15 in interest :j plus I've worked out within two statements (Octobers and November) I've paid off £1031.73 :eek::eek::eek: didn't realise it was that much I'm so pleased :D still hoping to get it under the £4K mark by the end of the year :cool: it's a challenge but I'm on it xx

    Need to move the Florida tin elsewhere as it's getting so heavy and I'm scared it will snap my shelf :rotfl: that's a good sign isn't it???

    So we are having a day at the house today because of how Kk is which is fine by me I need to get toilet paper but I'll get that tonight when we've are on the way to test drive the potential new car so it should be a lsd xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • jwil
    jwil Posts: 22,211 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's lovely about Abbie! You must be so proud.

    Well done on the avon orders :T :mad: about the car though!

    Huge congrats on that amount paid off though, that's amazing :T :j
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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