Abba1772's Debt Free Diary

abba1772

Oh and I have £548.62 / £800 in my Xmas savings account

beanielou

Thanks abba
I really thought I was loosing the plot xx

monz

5.49% interest in mortgage thats shocking!!! You will definitely have that decreased by remortgage. Mine is 2.09% HSBC, hoping decrease that by next and also will have understairs bathroom installed by then.

Yes 100% see your account online. I used to but now have to phone every month and chip away that way, though now changing account to HSBC should hopefully see both online I do not know how this works tbh xx

Homegrown0

That is a really high interest rate - you're doing everything you can to be in a good position to bring that down. Fingers crossed for you.

I'd also like a mortgage provider where i can see it all online - i'm pretty sure my provider doesn't do that (and we have another 4 years on our mortgage deal) but we're unlikely to be able to make mortgage overpayments until about 5 years time given all the work we will be doing on the house.

We're still young though - plenty of time to get cracking with the overpayments. I want to be mortgage-free in my mid-40s if i can... we'll see.

~Also, your friend is lucky to have a friend like you

abba1772

I know my Apr is shocking but because of hubby's adverse credit we were very lucky to get a mortgage at all but now his credit is perfect.......good job he has me to keep an eye on it :j so we will be getting a much better rate in 16 months I'll even start saving once buys credit cards are gone so we have some more money to chuck at it when it comes to renewing it :cool:

Transferred £8.01 towards the Xmas savings.:T so sitting at £556.83 / £800

Right got to go as need to let the gas engineer in my friends house as she needs new meters out in as she's had no gas for three days now :eek:

abba1772

Morning :hello:

Been a busy day got a easier day today one mindee at 9am til 12.30pm then pick up my other mindee 12.30pm til 4.30pm so not too bad

Managed to sort out my mammoth avon order it's taken over my bedroom and my hallway everyone has been texted and I have two deliveries first thing this morning

Plans for today is organise the playgroup Xmas party, take the arches my friend made that I've "stolen" out her house so I can get mirrors put into them for her Xmas to the framers after I've dropped the wee one to the nursery.

Bought a Xmas present from lidl for Kk was half price so took this out the Xmas fund , but I have £563.15 / £800 hopefully still on track to getting the £800 for next weekend we shall see but need to be aware that mortgage is due out on Friday. But I'm hoping that the avon commission will boost this

Kk is doing so much better this week he's been so grave only wobble we had was on Monday so he's making progress :T but it's costing me fortnite stickers :rotfl:

Tonight we have a huge delivery with avon tonight :T hoping majority of it goes and I've dug out some items I have as I'm going to do a competition on my fb page :cool: to say thank you to my customers xx

Right off to get Kk ready for school

beanielou

Happy Friday:)

abba1772

Morning :hello:

How is everyone???

Weekend was good seen diversity on Saturday they were amazing as usual however the credit card took a hit as abbie was working during the afternoon show which wasn't her fault so I bought tickets for her and bf for the evening show so she was really chuffed then ended up spending £100 on the merchandise stand :eek: ouchie but I'll pay it off before Xmas

I have £570.04 / £800 in my Xmas savings account

Still collecting money in from the avon deliveries :T so far so good :cool:

Skint isn't the word for me today but all will be fine tomorrow :j thank goodness so no money is being transferred over to the Xmas fund today

Staying in today with the kids as toddlers isn't on again........saving pennies but need to get bread for lunch today so it'll be a low spend day today xx

Job for today as to return the dresses I ordered for a xmas night out........I've got a nice dress I wore to a wedding last year and it fits so it'll do saving me £56 and my very account goes back to zero :T

abba1772

Morning :hello:

It's lunch time here first time I've sat down all morning and it'll be just as busy in the afternoon xx

Most of my avon customers have paid I have three orders for Friday so I've got enough to pay my invoice this afternoon after I've dropped one wee one off at nursery :T and I've transferred all the money that my customers have paid directly to my bank so £163.50 was put to the xmas saving pot.......so far I have £733.54 / £800 and I have £56 outstanding orders so hopefully they'll all pay and I'll be bank on target

Also need to post abbies contract for her new job today which she Is loving and they are giving her even more shifts :T

Might pop into dunelm to see there Xmas range as looking for a grey and white xmas skirt of my tree and a general nosey xx

Working til 6pm tonight then me and hubby out for dinner frankie and bennys are doing £5 pasta dishes tonight on the app :T he knows how to treat me

Also started hubby's card just paying minimums before Xmas so £90 went there this will get smashed after new year as want to enjoy the holidays with my boys as it'll be the first without Abbie but both me and hubby have two weeks off :eek: which has never happened so hoping for a few lazy days :rotfl:

beanielou

Awesome as always:). Xx