Abba1772's Debt Free Diary

Willowtree222

Great news about the card. Your dedication to the gym really puts me to shame. 
I hope you get the Halifax paid off. I know it is something you have been wanting to do. I hope your hubbies shifts keep going so that you at least have that as well. 
Have a good day. x

abba1772

The Halifax is cleared woo hoo 

Can breathe a bit now 

Have worked out if I can tackle hubbys card before we go on holiday, I reckon I can clear it by end of May which would leave me with June and July to save holiday spends plus I need to renew the boys passports so need to check into how much this costs 

Hubby passed one of his bike tests but the failed the other one, his resit is 9th March so far and it's £110.  I'm so pleased he passed on one and he knows what he needs to do for his resit xx

He's got another shift tomorrow and May be Friday with his friend so that'll cover his resit ......positive thinking xx

Just back from the gym that's 6 classes this week but that's me for the week I'm shattered xx

Right off to get my dinner as hubby is making it xx

beanielou

Hurrah

Willowtree222

Glad that card is gone. You must be feeling really proud. 
Hubby sounds like he is making progress with his bike tests, which is another great achievement. 
He's also got some work too which must be a relief for you both. x

abba1772

Morning

HI Niknak yes i was feeling very pleased with myself yesterday and I'm back on it already for hubby's barclaycard.

the total when I took it over was £3489.50 in November it's now sitting at £3193.90 so it's went down slowly.  

The aim is to get this cleared by the end of May then I can concentrate on saving pennies for the holiday spends which would give me June and July to save up which will be fine as we don't go away til 8th August.  Have sorced out travel insurance works out at £20 plus cashback for this so this month's PA survey money will go towards that so it's one less thing I have to worry about.  Priced up the boys passport renewals and it works out at £49 online or £58.50 doing it via the post so might do one boys next month and the other passport the following month..........nice and steady wins the race lol xx

so that's me planned out financially until August then after holiday I will be hitting hubby's Halifax card which will be cleared before Xmas.  Don't worry I've taken it off him now but I'm dreading finding out what is on this card but I've told him he will be helping me pay this off as I want it gone by Xmas then it'll be putting money by in the savings ready for remortgaging next April so would like a couple of thousand put by so we can pay off a little chunk of our mortgage as its currently sitting at £62K by the time we remortgage it'll hopefully be at £60K but I would like it under this 60's on a much much better rate as we are currently sitting on a rate over over 5%........shocking but I'm thankful we have a mortgage.  Then once we are on our new mortgage which I'll be insisting we have online access to, I'll be hitting that xx

Been thinking about the back garden was thinking of getting gravel for a section of the garden but I think I'll be asking hubby's friend for a quote to slab where i was thinking of putting gravel and replacing the old slabs as some got broken during the removal of the wall a couple of years ago.  He showed me nice slabs and the way he laid them out at another customers was very nice plus it means I can get the stairs done in the same stone.  If I get this done that means the garden is complete, hubby wants decking as well but i would much rather get the slabbing done first then the following year we could get decking in as if we get this done we will be getting patio doors put in the back of the living room and I want this done at the time.  

right off to do some paperwork

Willowtree222

You're forward planning puts me to shame. I am not able to do that! I just look and pay when I can. 
I have to sort out the business paperwork today. I'm due to remortgage in October, Hoping to get a rate of 1.29% so I need to focus on paying off as much as I can. x

monz

OMG 5% that will go right down.  I thought mine was bad 2.09%.  See when remortgaging do they revalue your house.  As when I am getting mine done again hoping to have new bathroom installed.  The lost will be fixed and new garden.  Unsure though how it works lol!xx

abba1772

monz said:

OMG 5% that will go right down.  I thought mine was bad 2.09%.  See when remortgaging do they revalue your house.  As when I am getting mine done again hoping to have new bathroom installed.  The lost will be fixed and new garden.  Unsure though how it works lol!xx

I think they need to revalue the home to get the loan to value rate the bigger the equity you have the better the rate I guess or I hope as we bought the house for £75k and our mortgage is sitting at £62k however going by a few houses being sold now our house is worth between £90 to £95k so I'm hoping it stays up that high when we remortage in April.  I didn't have to get the house valued the last time as we stayed with the same company xx

abba1772

Nicnak said:

You're forward planning puts me to shame. I am not able to do that! I just look and pay when I can. 
I have to sort out the business paperwork today. I'm due to remortgage in October, Hoping to get a rate of 1.29% so I need to focus on paying off as much as I can. x

I would love to be at the rate that would be amazing xx

beanielou

Happy Friday