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Abba1772's Debt Free Diary

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Comments

  • redmel1621
    redmel1621 Posts: 6,010 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    You are so positive and everything seems to be going really well.

    I have no doubt that you will smash your targets :)
    Unless someone like you cares a whole awful lot,
    Nothing is going to get better. It's not.
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    redmel1621 wrote: »
    You are so positive and everything seems to be going really well.

    I have no doubt that you will smash your targets :)

    I try to stay positive throughout life as my motto is that there is someone out there worse than you so I always try and I say try to be positive how things could work out

    Thanks for reading redmel :hello:
    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: 22,220 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the course went well :)

    We can get to Inverness in about 10 hours on a clear run. It's mad to think that when we are driving to Orkney, once we get to Glasgow we are only about half way there. It's easy to forget just how big Scotland is!
    "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
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    abba1772 wrote: »
    It doesn't help that the a9 isn't a dual carriageway.....I live up Inverness way 15 year ago and they were in talks to dual the whole a9 back then xx

    Yeah the A1 up to scotland isn't dualled above my town and it is so annoying, they've talked about dualling it for years but government don't care about us northerners lol xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Evening :hello:

    Boy I am shattered I really want my bed :(

    Sent £28 towards the barclaycard :T

    Started work at 9am not so bad grabbed the bus £4.20 nipped into new look one of my mindees found a lightweight jumper that looked quite pretty was £12.99 reduced to £6 :T:T wee bargain hunter she is :D and didn't cost me a penny as still have a voucher think I still have £6 on it :D

    Had to get water for the mindees only cost me 90p for 2 bottles

    Met up with a friend who's having a hard time she's in woman's aid shelter due to a breakdown of a relationship which has turned nasty so I invited her out to the toddlers I go to and I paid for her wee ones admission so spent £5.50 at toddlers xx

    Somehow got conned out of two sausage rolls from Greggs by the wee monkeys £1.80 :rotfl:

    Took the girls to nursery came home and did day 7 of my exercise DVD :T moving up a level tomorrow :eek: might hurt :rotfl:

    Joined hubby at lidl spent £8.32 on grapes, mushrooms, cream cheese, wraps, burgers, rolls and cheese slices not bad :D

    Hubby made dinner and I hoovered the living room and swept and bleached the hallway so at least i was being productive :rotfl:

    Now I'm knackered and will be heading to bed shortly 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
  • I'm not surprised you're knackered Abba, I'm tired just reading about it :eek:.

    Glad you enjoyed your course and well done on the payments going to the Barclayc@rd :T.

    How is your OH getting on in his newish job? Does he enjoy it?
    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!
    I'm not surprised you're knackered Abba, I'm tired just reading about it :eek:.

    Glad you enjoyed your course and well done on the payments going to the Barclayc@rd :T.

    How is your OH getting on in his newish job? Does he enjoy it

    Aww hairy he loves it thank goodness and he's chuffed he's bringing home a wage
    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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hope you get a good nights sleep!

    Glad DH likes his new job

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • beanielou
    beanielou Posts: 96,083 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news your DH likes the new job :) xx
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Afternoon :hello:

    Mindee having his lunch so thought I would pop on

    Got a wee bit of a lie in woke up at 8.30am got up and did my exercise DVD went upa level earlier than planned but omg I was sweating my a s s off :rotfl: but it's done and I'm feeling it in my legs

    Grabbed a shower and got ready for starting work at 11am :D

    Sent £11.68 towards the barclaycard :T hoping to have a big payment towards it tomorrow :cool:

    Mindee loaded with the cold so he'll be going down for a nap and I'll tackle my ironing pile and get it put away

    Finish work at 6.30pm tonight but no avon tonight as I've move collection day to a Friday in anticipation of my course starting in a couple of weeks and it's on a Thursday night so might as well get into a new routine now

    Need to remember to pick Kk up at 4pm and not 3pm as he's got a after school club :T bless him his wee confidence is defintaley getting better xx

    Still on track for having the next holiday instalment ready for the end of the month and then I'll offically declare clearing £515 off the credit card :D and add it to my challenge total :D so proud of myself I'm keeping the Halifax at zero even though I have been using it :D can't wait for the barclaycard to be zero as well as they haven't been at zero at the same time in about 6 years :eek:
    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
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