Abba1772's Debt Free Diary

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  • jwil
    jwil Posts: 19,193 Forumite
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    Enjoy your baby cuddles :)
    "If you can dream it, you can do it". Walt Disney
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    jwil wrote: »
    Enjoy your baby cuddles :)

    I can't wait......hubby getting broody ......not a chance 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
  • beanielou
    beanielou Posts: 90,434 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    abba1772 wrote: »
    I can't wait......hubby getting broody ......not a chance xx
    :eek::rotfl: 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
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    Aced my home visit impressed them with my paperwork so they've asked me along to two Scottish government meetings next month to give my point of view on the funded sessions and the blended hours and how it impacts childminders and parents .............feeling quite proud of myself as I work very hard on my childminding business and I'm pleased the council are very impressed with how I run my business.......can only be a good thing :cool:
    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
  • beanielou
    beanielou Posts: 90,434 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Great news :j :j
    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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    abba1772 wrote: »
    I can't wait......hubby getting broody ......not a chance xx

    Get a puppy or kitten, cheaper than a baby :rotfl:.
    abba1772 wrote: »
    Aced my home visit impressed them with my paperwork so they've asked me along to two Scottish government meetings next month to give my point of view on the funded sessions and the blended hours and how it impacts childminders and parents .............feeling quite proud of myself as I work very hard on my childminding business and I'm pleased the council are very impressed with how I run my business.......can only be a good thing :cool:

    Wow well done :T.
    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
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
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    That's fabulous news!! Well done, you should be so proud :) 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)
  • jwil
    jwil Posts: 19,193 Forumite
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    That's brilliant about the meetings, well done :T :T
    "If you can dream it, you can do it". Walt Disney
  • aimeemum
    aimeemum Posts: 687 Forumite
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    Well done!! :D
    Changing my Family's Future!! - Starting again!!!!
    Current Progress -
    Debt - Start date 31/8/22 = £7,252.78
    Savings 31/8/22 - £0
    plus £1000 EF - £0/£1000 = 0%
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    Evening :Hello:

    kids on the wii u trying out a new game i bought plenty of laughter going on around here so I'm on here :hello:

    been working since 6.30am :eek: last of the favour to one of my parents all back to normal now thank goodness :T

    Sent £4.19 towards the barclaycard payments might be limited til 28th as mortgage and loan are due out the day before hubbys payday :mad::mad::mad: always the way :rotfl: so i need to make sure I have the money in my bank now which I have, just need to not be tempted to chuck it all towards the barclaycard :rotfl: don't think hubby would be impressed.

    I've not told hubby how I'm getting on clearing my barclaycard, I've told him i'm tackling it but not at the rate that I am......is that dishonest???? Not sure but it's for the best because if he thinks I've got spare money he will spend it in his head and it's not happening :)

    Hubby might be selling his Audi, he bought it after he got rid of his Subaru but I questioned if we needed a second car as we have our main one......he had the Subaru for car shows and that but it never got used :o but he said he wanted it so it was his money to do what he wanted with after he sold the Subaru. Now he's put it on FB :T and hes promised me with the money he gets he will buy the kitchen ceiling panels and a new bed then the rest will get put towards holiday spending money............we shall see :cool: might chuck it towards the barclaycard ;) not counting my chicken yet :rotfl:

    Busy day today set playgroup up £3.50 as wee KK was off school today couldn't get a heat in him at all his whole body what cold and goosebumpy and he was sobbing bless him so kept him off as it's normally a sign hes coming down with something

    then it was home for lunch, took the girls to their different nurseries in the rain and walked kk home where he chilled out watching how to training your dragon series whilst i tidied the kitchen :T and fixed the playgroup accounts as i made a boo boo and it was bugging me :o all fixed now

    Did the nursery run, dropped of a avon to a customer who paid me straight to my bank account :T and returned my mindees mums bank cards to her as she asked me to look after them when she went away on a mini break to spain........lucky moo :rotfl:

    plan for the rest of the day is clean the rest of the kitchen and do my little pile of ironing and get the washing on the radiators when the timer comes on soon

    Got a few Avon's to deliver tonight and to pick up a few returns :mad: don't get many returns but on this occasion i have three sets of shoes to collect and refund but thank goodness I haven't paid off my invoice :T so I'm not out of pocket only losing some commission xx

    right off to get on with some chores as wee mindee has crashed out on the couch whilst the rest of the kids play the new game I got them 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
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