Abba1772's Debt Free Diary

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  • aimeemum
    aimeemum Posts: 687 Forumite
    First Anniversary First Post Xmas Saver!
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    Wow I'm in awe at how busy you always are! I've done barely anything in comparison and I'm already willing to be bedtime! lol

    I know what you mean about hubby spending money if it's not all accounted for beforehand. Mine is bad one for that too. He has his own credit union account and every year (up until now anyway) we've taken out a loan to buy things we need every November - last year we bought a roof rack and box for the car and hubby got himself a new guitar amp. The loan comes out of wages and we still have the original capital....but no sooner has he spent one lot he's already planning what he'll get next November. If I told him that I was putting £100+ a week of his wages towards tackling our debts, he'd be telling me to go slower and enjoy the money more, buy things that he keeps telling me he 'needs' like guitar accessories or a new tablet (his current one is still perfectly fine, just a bit slow as it's 2 years old). As it is all I tell him is the current debt amount, and what we've paid so far. I don't tell him how, or when, just the result, and he's happy lol. Just keep plugging away and soon all that cash you're sending to the barclaycard will be going towards fun stuff! :D
    Changing my Family's Future!! - Starting again!!!!
    Current Progress -
    Debt - Start date 31/8/22 = £7,252.78
    Savings 31/8/22 - £0
    plus £1000 EF - £0/£1000 = 0%
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    aimeemum wrote: »
    Wow I'm in awe at how busy you always are! I've done barely anything in comparison and I'm already willing to be bedtime! lol

    I know what you mean about hubby spending money if it's not all accounted for beforehand. Mine is bad one for that too. He has his own credit union account and every year (up until now anyway) we've taken out a loan to buy things we need every November - last year we bought a roof rack and box for the car and hubby got himself a new guitar amp. The loan comes out of wages and we still have the original capital....but no sooner has he spent one lot he's already planning what he'll get next November. If I told him that I was putting £100+ a week of his wages towards tackling our debts, he'd be telling me to go slower and enjoy the money more, buy things that he keeps telling me he 'needs' like guitar accessories or a new tablet (his current one is still perfectly fine, just a bit slow as it's 2 years old). As it is all I tell him is the current debt amount, and what we've paid so far. I don't tell him how, or when, just the result, and he's happy lol. Just keep plugging away and soon all that cash you're sending to the barclaycard will be going towards fun stuff! :D


    It must be a guy thing :rotfl:
    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
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    Evening :hello:

    How are we all ?????

    Sent £6.12 towards the barclaycard :T still chipping away at it :D

    Busy bee today as usual .......started work at 8.15am went into the town via the bus £4.20 :mad: nipped into homebargains for fairy washing up liquid 99p and flora light £1.19 also bought juice for me and two mindees £1.16 and somehow bought a artificial orchard :p only £12.99 :o but I already have one in my living room and this is for my kitchen :rotfl: wonder if hubby notices

    Went to toddlers £2 and girls had a blast rosy red cheeks all round from the running about they've done

    Came home got lunch ready for the girls then we got ready and I did two nursery runs :)

    Came home and did day 6 of body shred level 3 thinking of trying out my other exercise DVD tomorrow to mix it up.......if you don't hear from me I've collapsed in heap on the floor tomorrow :rotfl:

    Picked my are schoolers up and we went to the community centre and i photocopied and collated 30 sets of minutes and distributed them into everyone's dockets :T

    Came home and my wee after schooler is chilling out with Kk......he's already tired after school bless him

    Tonight's plan for the night is to finish what me and hubby started........we've replaced the wood where the curtain poles go as the one we had up were so thin and full of holes, one is fully done in the living room and my new curtains I bought in January :o are up and the one in our bedroom flung up a lot of problems but nothing hubby couldn't handle so he's to finish the one in the bedroom and he'll start on the other one in the living room

    I've also got a few avon orders to deliver tonight hopefully I'll be able to pay my invoice tomorrow :T and that's another job out the way

    Right off to tidy up the kitchen before hubby gets home and see what I can make for dinner tonight 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
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    Why has it been three days since I put something on my dairy not like me but my excuse I've been mega busy but still logging on to do my pay a day towards the barclaycard

    As you can see I'm £85.07 away from hitting £1500 :j might not hit it at the end of the month as my mortgage and window loan are due on thursday.......the day beforehand hubby's payday :mad: really need to look into getting these dates moved to the start of the month so that'll get put on my to do list ;)

    Still exercising but omg my butt cheeks are killing me today must have pushed myself quite hard :rotfl: better have a result on the scales tomorrow :rotfl:

    Working 8.30am til 5pm only got one mindee this morning still had to set up playgroup £1 was a quiet session :T

    Spent £2.20 on a roll at the bakers :o and mindee is having her lunch just now :)

    Got the nursery run to do today then I'm off to visit my wee gran who stays just up the road from the school so ideal for the after schoolers to be picked up from school today at 3pm :T

    Once the kids have all been picked up it's dinner time then it's avon time.......all customers have been messaged hopefully the rain will beat it tonight's :(

    Got 21 previous campaign books prepped and ready to be distributed in the same street we canvassed last time,........it's quite a long road so fingers crossed we get some new customers :T next week

    Was going to say thank goodness it's Friday but I have another childminding course tomorrow 9.30am til 3.30pm :mad: could think of better things to do with my saturdays so need to get up early, shower quickly nip up to town for getting weighed and grab a sandwich as there's are no places to eat where we are training :mad: so a busy morning so kids have asked to make homemade pizzas tomorrow get :T so a wee trip to Aldi after my training then hopefully I'll get to chill out :j

    Hope you all have a fab weekend 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: 19,109 Forumite
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    Hope the course has gone well, and have a good weekend.
    "If you can dream it, you can do it". Walt Disney
  • beanielou
    beanielou Posts: 90,271 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Hope course went well.
    Enjoy your weekend :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • HairyHandofDartmoor
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    Annoying about the course, but I hope you had a good Sunday instead :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    Course was very interested and it finished a hour early :j

    Hubby sold his car :T on Saturday might be able to clear the barclaycard by the end of the month although hubby wants me to put it by for holiday spending money but what he doesn't know doesn't hurt him :rotfl: feel bad tbh but would much rather clear the card, then clear the loan for my eye for the end of April then save save save from the end of April til the end of June for our holiday ........does that make sense ????

    Sunday was busy but with bursts of sitting watching programs plus didn't get in late as picked Abbie and her friend up from Glasgow as they were at a panic of the disco concert so I'm shattered :rotfl:

    Hubby bought me a new bed :T getting delivered some time next week ......ain't he a nice guy only wanted ours replaced since we moved in here :j abbies getting our bed and I'll sell her bed on fb

    Also sorted through my boys clothes as both of them have taken a stretch Kk needs new trousers and a couple of new hoodies and Xander needs a couple of pairs of trousers and a few new tops so will see if we can get them some this weekend.......will sort out the clothes and see what can be sold in bundles and what needs to go to the school donation bin ........I think anything I sell will go towards the holiday spending money

    Confession time :eek: my laptop of ten years old is on its last legs been looking to replace it for about three years but better things have needed replaced or bought so got a bargain in currys last night same make as old faithful for £419 :o it's on my Halifax card but this will be paid off preferably before I go on holiday :cool: well that's my plan hopefully I can stick to it but it's so pretty and I can put it through my account ps as I use the laptop for all my childminding work so win win :T

    Right off to get Kk ready for school and head up to set up 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
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    It absolutely makes sense :) xx
    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
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
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    It totally does make sense :)

    You are so acing it, I love seeing the total go down in your siggie xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
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