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Abba1772's Debt Free Diary

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  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    monz wrote: »
    Just read and catched up sorry about what your friend done! hope you are ok xx

    I'm fine monz just need to remember in future never watch any relatives / friends kids lol xx

    Well shoe shopping was a success nipped into brantano and got daughters shoes for £11 reduced from £22 and picked up a pair of lambertta shoes for eldest son for £9 :eek: reduced from £40 :j so got £62 worth of stuff for £20 :T defo a bargain, put my wages in the bank got offered a 0% card told them no thanks as applying for a mortgage :cool:

    Paperwork for the mortgage is here bit bummed they won't take my maintenance money into consideration, when I split from my ex hubby CSa were encouraging you to sort your own finance agreement out regarding childcare which we did have have done for 5 years now...........because of this it won't be taken into consideration because it's not through CSa or court ordered !!!!!! :mad: so it's £400 that doesn't exist according to the mortgage provider xx

    Nipped into boots got my daughters a perfume set out the boots sale was £10 reduced to £3 asked them to check if my boots points would pay for it and there was enough to cover the gift set :T so that paid for them :A then nipped into card factory and got a birthday card for 20p so that's Abbie sorted for her friends birthday party for 20p.......another bargain xx

    Treat Abbie to a subway came to £8.08 and then nipped into tesco and spent £5.65 on fajitas, disinfectant room spray, crisps, and bread xx

    Didn't get a takeaway last night so transferred £27 into mortgage account , tbh not really missing them xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Calling14 wrote: »
    You don't need friends like that.

    Hope your mortgage application goes well. You are doing brilliantly debt busting and I can't manage 1 tot and to walk my dog at the same time - 5!!! and avon run. How do you do it?

    Hi calling :hello: must have crossed posts there xx

    I guess it's just ensuring all the kids know the rules and 9 times out of 10 they do do as they're told if not no treats :rotfl: xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • jwil
    jwil Posts: 21,988 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's annoying about the maintenance, it's a huge amount of money to not take into account!

    Great bargains!
    "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 McGee
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    jwil wrote: »
    That's annoying about the maintenance, it's a huge amount of money to not take into account!

    Great bargains!

    I know it's very frustrating.

    Spent 3 hours gathering the paperwork required for the mortgage application but need to phone them as there is one form I'm to sure about then hopefully it'll all get posted today for them to get it tomorrow morning xx

    Working 7.30am til 12.30pm then working again from 3pm til 8.30pm it's going to be a long day plus we have avon books to deliver so I think I will get that done just after the school run so we can get all warm and cosy away from the snow

    Need to nip to aldi after the nursery run for milk and pasta and some crisps for snacks oh and some fruit xx hopefully it'll be a low spend seriously need to go food shopping as freezer and fridge are running low xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Morning :hello:

    Been a busy few days.........submitted a offer for the house officially through solicitors subject to mortgage so it's all go and everything is crossed so here's hoping mortgage application is a success xx

    Attended my sisters wedding last night spent about £20 on drinks was knackered when we got in the baby k had a coughing fit at night and let's just say I've had about 3 hours sleep :mad: and cross words with hubby so not good but he's away to work and he did text to say sorry he's stressed about stopping smoking and mortgage application but he needs to realise I'm stressed too xx

    Needing to go to farmfoods today as freezer and fridge is running low done quite well for three weeks so hoping to get it under £100 today we shall see at it's the whole family going and you know what it's like with kids and wanting stuff :rotfl:

    Really need to tidy house up been neglected for a couple of days can't be bothered!!!!!
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Morning :hello:

    Was a LSD day on Saturday bought juice £2 and sweets for hubby £1.50 was also a lazy day due to lack if sleep luckily my mil swung by and stole the kids for a couple of hours so me and hubby got a sneaky nap in but I was still yawning my head off after :rotfl:

    Yesterday however was not a LSD :o got the monthly shop in at farmfoods spent £125 :mad: this is what happens when you take ur hubby and 3 kids food shopping with you :rotfl: then nipped into B&m for some tins and jars of cooking sauces and spent £17 so my cupboards fridge and freezers are bursting at the seams :D so will only need to top up the fresh stuff like milk and bread etc xx

    Going to be taking baby k to playgroup £1 today then it's a trip to the charity shop with another bag of donations more space cleared :j

    Set myself a target of £4000 to pay off this year and so far I've paid off 25% of my target :j and it's only February :D

    Sold baby k's highchair last night on fb selling pages as we have one that just fits on our own chairs so got £20 for it and we now have more space in our kitchen, normally I would put half into the mortgage fund but we have decided we are buying baby k a little table and chair set from ikea which will cost us £31 for the table and 2 chairs so this is being put towards that so only another £11 to find unless I find it cheaper elsewhere xx

    Transferred another £50 towards my mortgage account so I have £2200 in there :T and it's non council tax month this month so I'm debating where to put the £107 I would have paid towards my council tax so will talk to the hubby tonight and see where he thinks we would put it either into the mortgage account or the credit card.

    Requested a refund from eBay seller for trainers I bought from eBay for my daughter on the 12th January and still haven't got them....she's probably not even posted them :mad: so need to escalate that claim with eBay as no response xx

    Off to playgroup xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Good luck with ebay :) x
    Debt (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) £16,688.80
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    monz wrote: »
    Good luck with ebay :) x

    Got my refund so need to find Abbie another pair of trainers hmmmmm.

    Nipped to town today went to homebargains got a bottle of juice for me 29p juice for baby k 25p and a bag of potatoes 55p :eek: and paracetamol 29p :T bargains xx

    Then nipped to Asda got 2 packs of rice £2 peas 55p and sweetcorn 50p then walked home

    Was working 3pm til 5.30pm my mil took my kids swimming so to was just me and my mindee who wanted to play on his tablet so I just got on with my ironing :rotfl: house is gutted as was meant to be meeting someone for childminding tomorrow morning but they've still not replied :mad: even tho it's iMessage and shows they have read the text :mad: how bloody rude
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Morning :hello:

    I'm knackered don't know why just feel drained..........wonder what's up I have days like this but it's not surprising as I have cfs, chronic fatigue syndrome which knocks the life out of me and I just want to sleep but refuse to sleep during the day if I can as my mother was and still is a lazy git and I refuse to be anything like her even tho my body is saying rest I just push myself forward if that makes sense :( my childhood wasn't the best estancia lily when your mum would spend all day in bed and it was my responsibility to look after my brother and sister seeing as I was the eldest.......hmmmmm enough about my past lol :rotfl:

    Today is weigh in day :( hate weighing in lol but I know I've been good so we shall see xx

    Don't know what to do with the rest of my day til 4pm as I don't have baby k today as gwan has kidnapped him til tomorrow night :D so I haven't a clue what to do without him might just have a wander round the shops xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • Surprising how many of us do everything possible to make sure our kids have the opposite kind of parenting than we had eh, I was the eldest of three and my parents always always worked which would be fine if we weren't left alone from very young. Oddly you just see it as the norm growing up but when looking back and putting together dates and ages it was shocking !! I remember week in week out taking care of my 2 sisters whilst we were all in primary school so at the very oldest I was 10/11 and as I am four and five years older than them it scares the life out of me, how wasn't social services called ?? I make sure I work only what is totally necessary for comfort now lol Good luck in weigh in and enjoy your day to yourself x
    Weightloss -36.5lb/64lb.
    Christmas savings £200/£800.
    Hol savings £300 /£500.
    Birthday savings £50 /£100.
    100 days #20 Credit union £40/£1150
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