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Abba1772's Debt Free Diary
Comments
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I hope your sinus infection clears up soon Abba . I'm glad the hospital were so helpful with Abbie.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 MONTHS0 -
So quiet!hope all ok xxDebt (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) £16,688.800 -
Has the sinus infection cleared up?If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Hope you're feeling a bit better Abba xx0
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sorry i've been awol been on everyday just not on my diary ...........sorry
a lots been happening.....
Abbie's quit collegeI'm gutted for her but she says a weight has been lifted off her shoulders as she didn't think the course was right for her she is reapplying for another course but this wont start til next august as she wants to do music which she is amazing as as she can play the keyboard, piano and ukulele plus she sings as well. she says she wants to be a secondary school music teacher but shes afraid it'll be hard with her state of mind at the moment so I've told her to concentrate on the music side of things and then take the teacher section head on in a few years.
Shes now looking for a job to keep her mind busy so that's today's plan is to start applying for jobs within our area so at least shes not given up
Her cahms counselor has went on long term sick so we have no idea when her next counselling session will be as they wont let her see anyone else as it means Abbie starting over again with someone else after shes made so much progress with this counsellor so we need to go back to the doctors and see if we can get her prescribed anti depressants as this is what the counsellor had refered her to the psychotherapist for.
sinus infection still not cleared up had a constant headache for 3 and half a weeks and i'm miserable with it sch a moan i am :rotfl:
positive news is that I'll have the barclaycard cleared in about 2 weeks if not less as sat down and worked it all outthen it'll be paying off the tiny bits on the other accounts then it'll be on to saving for xmas, need to write a list of what to get everyone this year and get organised.
right off to take the stuff i cleared out the boys room to the tip and then off to get stuff for dinner as having my gran, mil and fil round for dinner xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050 -
Morning :hello:
Submitted my avon order last night got £685 in orders so I gain £170 commission :j no bad thought that book would have done better but not complaining doesn't help I ran out of books tho :rotfl:
Got playgroup today today then lunch the nursery run the mindee nap time so I plan on getting my ironing today
It's very frosty here today need to dig out the hat and gloves out I reckon :eek:
Sent £5.88 towards the barclaycard getting there no payment tomorrow tho as skinto til Wednesday xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050 -
That's a great result with Avon :T :T
Well done to Abbie for knowing what she wants and having a plan to get there. Good luck with the job hunt!
If she's keen to keep on learning while she's waiting, there's some great free sites out there - Future learn and Open Learn (which is the OU). They have some great short courses both interest based and academic based and you can get certificates of participation at the end so useful for her future CV. Open learn have one on teaching secondary music. It might be more advanced than she is looking for, but might be a good overview. https://www.open.edu/openlearn/education/teaching-secondary-music/content-section-1"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 McGee0 -
Thanks jwil I'll get her to look into that thank you so much xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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It never rains but it pours..............from the kitchen ceiling :mad:
Been on at hubby as I suspected we had a leak in the bathroom as whenever someone uses the shower there was watering appearing in the kitchen :mad::mad: however whenever I asked hubby to look at it it never got done :mad: so now I've taken matters into my own hands as I've phoned a plumber and they are coming out between 1pm and 5pm today, hopefully they can fix it within a hour as it's £65 per hour :eek::eek::eek: hoping it's something simple.
Bit of a pain but I'm glad we've not put the fake ceiling up in the kitchen yet otherwise this would have been missed :mad:
Also I switched my gas and electricity through uswitch, thought it was all done then realised I hadn't had any communication regarding the meter readings so phoned the new supplier to find out its got lost ????? I got confirmation from the company confirming my switch so someone is phoning me back but tbh their customer service has been lovely so I'll continue to switch over with them xx
Positives of today is toddler group has been cancelled again so saving pennies on bus fares, toddler fees and general walking about the shops :T and I sent £10 towards the barclaycard as Abbie paid me back a tenner she owed me so put it across there.
It's cold here heating is on :mad: but at least I'm getting a washing dry.........trying to remain positive :rotfl:NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050 -
Hope the leak got fixed quickly.xLBM Aug 2017.
Debt at LBM - £30,055
Debt at highest - £43,148.59
Current debt - £18,880.00
EF - £1,000.00
Challenges
PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.0
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