Abba1772's Debt Free Diary

abba1772

been a kind of productive day, moved my DD date for my card as it's always coming out at the end of the month and i keep forgetting lol so moved it to the start of the month xx

Also got my first ever 0% credit card so transferring my some of the balance onto this xx every little helps lol xx

thinking of haggling down my sky now but will do that next week i reckon xxxx

LMCD

abba1772 wrote: »

i know what you mean about the snowballing, i really need to start that again but with xmas now coming up i'm just using the money i'm saving for not paying out on the car for pressies this year but come january i'll be clearing my card before summer next year............just want it gone and its frustrating as it's the lat of my debt except my student loan which i will probably never pay off lol xx

is that cos they deduct it off your wages if you earn a certain amount?

abba1772

yeah i think if yiu earn over £15000 then they start deducting money off your wages, will prob start paying it off at some point as wanting a mortgage in a couple of years xxxxxx

abba1772

bit of a spendy day today which is always the case every 1st of the month lol :rotfl:

so far spends are:

£100 lawyer debt
£50 rent arrears
£35 Aldi
£27 Primark (xmas Pressies)
£20 petrol

will be spending £40 tonight to buy a family membership for our local sports centre as it's save me £120 a year :T:T:T:T


tomorrow should be a lsd as i don't need anything thank goodness

abba1772

afternoon peeps :wave:

Sent £33.94 towards mt argos card being a good girl

spnt £14.99 on a new bra (really needed it) lol :rotfl:

also spent 4.50 in savers on shower gel, wipes and hairspray

so thats all the spends for today, have another avon order to deliver so hopefully they'll pay today lol the rest of them pay on friday so once they've all paid i'll have £60 commission

kitchen is spotless just chilling out now doctors orders then i will start the ironing when kids are back from school xxxxxx

abba1772

today has been an ok day for spends.

£1.75 on sawdust
£14.00 in tesco on cereal, a ready meal and flowers for my gran
50p on weighing machine in boots
40p on a newspaper
£1.59 on a bottle of juice and chewing gum

need to pay £28 towards my childminding registration fees today so all in all not too bad in spends

need to get two of my avon customers there orders today as thats £60 in orders, woo hoo my commission xxx

hope everyone is well xx

abba1772

nearly a month since i updated this....naughty naughty lol

been spending a bit of money but it is xmas coming up lol :j

got all the kids clothes in so they are sorted and i think abbie's is done altogether now as i have her 3ds in finished my brothers, my son's is nearly done so just need to get my lovely OH some things xx

havn't a clue what to get him....being MSE got a cardy on instead of putting heating on it's cooooooooooooooooooooold lol xxx

abba1772

OMG

Just looked at my ticker and because I have participated in THE pAY OFF AS MUCH AS YOU CAN CHALLENGE two years running i've managed to keep track of what i was spending on debt, it's disgusting!!!!!!

I've paid £10921.47 so far in two years it's actually quite sickening but at the same time it'll be a relief to think it's nearly gone just CC to clear which will be done next year xx

thats a massive amount for a single mum to be paying back, thank goodness it's nearly over this was debt from my ex-marriage can't wait for next year as i'm taking kids abroad for the first time to Turkey.

Anywat today was a spend day but technically it didn't cost me anything as I've sold a mattress topper for £20 so budgeted to stay within the £20 today xx

£5.99 on hair dye (stripping hair today so backup if it goes wrong) :rotfl:
£2.58 on guinea pig food
£0.98 on sawdust for guinea pigs
£1.58 on bum wipes
£2.10 on Greggs sandwich
£1.10 on dog chews
£1.00 on kitchen towels
£0.40 on newspaper
£0.50 on weigh machine (lets not go there :mad:)

comes to £16.23 not bad i reckon :rotfl:

also took some dvds in to trade at gamecentre got £6.50 instore credit so getting dance central 2 for kids only 11.99 so i will find some other dvds to trade in before i pick it up on tuesday.

redecorating hallway this weekend OH bought paper so need to sell my vase as they no longer go with colour scheme so will sell them on FB should get about £20 for them as they are massive

hope everyone is well xx

abba1772

oh and £15 went into my savings...there is now £1030 sitting in my savings...such an amazing feeling to have that there however feeling will not last long as car insurance is due trying to get it under £300 and i will be happy and will continue to try and save up to a grand again.

Also paid £25 towards my catalogue bill reducing it to £20 so account wil be cleared in time for xmas sales as never pay full price for anything in catalogues.

also sent another £30 towards my CC to bring it down to under the £1700 mark which it will be once interest is added onto it so quite chuffed with that xx

LMCD

FAntastic Abba! keep it up! love reading your diary!!:money: