Abba1772's Debt Free Diary

abba1772

Morning

It's break time.....kids are eating their snack and I've taken a break from the paperwork.  Trying to get the kids folders all updated only 3 more observations to do and that's one kids folder all updated.

sent £10.20 towards hubby's card today bringing me under another hundred mark roll on tomorrow when the college pay (i've double checked this time) and it'll be huge chunk gone will still be in the £2k's but hoping next week we will be under the £2k mark  

Once this card is paid off I'll be renewing the boys passports and I need to get them a tall set of skinny drawers for their room, IKEA have them but they are £90 so it'll need to wait until I've finished paying off this card first.  Plus I need to clear my Halifax again   as I bought Diversity tickets for next year so there is £225 sitting on their but this will be cleared next month.

Working til 6.30pm then I have my nail appointment as had to reschedule due to me being at a first aid course this Saturday.

Today's Plans is to finish off two kids folders today's as well as tackle the washing pile that seems to have burst from somewhere I want the nice weather to come so I can get my washing out as hate having airers dotted around the house.

Right back to the paperwork we go.

beanielou

Hope the paperwork went well

abba1772

beanielou said:

Hope the paperwork went well

Got one kids folder sorted just need to get it all printed out will do that later on today then start on the other wee ones folder.....it's never ending xx

abba1772

Morning

College paid me so sent it all over to the credit card, cannot wait for the day when I get paid from the college and it can get put away into savings rather than debt.  Next week I should be under the £2k point for this card she says hopefully

Start work at 8.15am today will finish no doubt at 6pm then I have avon to do tonight as well, will message all my customers whilst I'm at playgroup to remind them I'll be collecting the books tonight.

It looks very frosty today but I will not complain as this might be the first time in about a month that I can attempt the nursery run and not be soaked woo hoo

Plans for the weekend are to go to my first aid course on Saturday then that doesn't need done for another 3 years then I'm hoping for a chill out day with the family on Sunday no doubt catching up on things needing done around the house.

woke up with a headache this morning hopefully it goes away now that I've taken some painkillers and it'll be a long day with screaming kids if it doesn't

Right off to get KK out of bed and ready for school xx

Hope everyone has a lovely weekend

monz

Only 3 months in and paid over £4,500 amazing!xx

Sun_Addict

You pay off an amazing amount, it won't be long before you're saving, well done 😊

abba1772

Sun_Addict said:

You pay off an amazing amount, it won't be long before you're saving, well done 😊

Ideally I would like to overpay the mortgage after we've remortgaged but no doubt I'll be capped at only being able to overpay 10% of the outstanding balance per year .........better than nothing I suppose xx

abba1772

monz said:

Only 3 months in and paid over £4,500 amazing!xx

Thanks monz it's a crazy amount of money to be paid off in 3 months but i'll be taking a break between April and August as need to save for holiday spends if it still goes ahead, if it doesn't i'll just crack on getting the new paving done on the back garden so at least I have a plan xx

monz

If the holiday doesnt go ahead, least you know will be refunded and mainly hopefully have our health.  If ours is cancelled in summer taking my boy right up north of scotland its stunning there for a few days.  Put money back into our economy xx

abba1772

Afternoon

It's a productive day so far started work at 7am so I bleached the bathroom within a inch of it's life whilst the kids had their breakfast so thats one job out the way worked up a sweat that's for sure.

Took the kids to school and jumped on the bus as needed potatoes as we had none and also needed toilet paper.......not to stock up but because i was down to the final twp rolls.  thankfully managed to get potatoes from farmfoods £3.99 and two packs of 9 rolls of toilet paper from home bargains as I usually get a 18 pack.  I watched some people buy 5 packs of the loo rolls........absolutely no need for it

got back from the town and got a message that one of my mum's would need to come pick their wee one up as there oldest child has been sent home with a cough and that they need to self isolate for 2 weeks, well I won't see him for 3 as the Easter school holidays are nearly upon us but thankfully the College will continue to pay me for my services as I am still available.  Howver the council are still not answering the question that if we are forced to close will they still honour our payments which is a worry as most of my money comes through the council now.  If they don't I'll be ok but it'll be tight.  We will be fine just hoping they cover even half of my fees it will be a weight of my shoulders.  I think they are holding off incase some decided to just take the time off regardless if they are ill I guess.  so that's 3 kids off this week as one has the sickness bug and the other had to be sent home yesterday as he was just run down.  Tomorrow will be a quiet day also as I'll only have one child, it's a worrying time at the moment.

Tax credits were paid earlier than I anticipated.  so I sent £386.40 towards the hubby's card bringing it under the £2k mark, hoping I can get it under the £1900 mark by the end of the week.  I know I could have put this money buy but I would much rather get shot of this card and if we are put into isolation or I'm forced to close then I have the cards as back up should I need them.....does that make sense???  This has defo opened my eyes that I want to get a emergency fund of £2000 put by once all the debt has gone.

I've decided anything hubby gives me will be getting put into our savings just incase for a rainy day.  My fridge, freezer and cupboards are fully stocked thanks to the food shop we done on Friday so I'm organised in that respect.

The gym classes have been scaled back to allow for them to disinfect the equipment after every session so Ill be going to the 6.30pm class tonight need to watch the shoulder tho as it's starting to pull but it held up last night when I was doing two classes

Hope everyone is OK xx