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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 4,667Posts
    • 15,932Thanks
    abba1772
    Abba1772's Debt Free Diary
    • #1
    • 26th Oct 10, 11:38 PM
    Abba1772's Debt Free Diary 26th Oct 10 at 11:38 PM
    hi everyone

    New on here not new to debt was married for 10 years and we seperated so i took any debt that was in my name and he took his debt

    By OMG what a mess got my credit card statement in and it was for £6000 and this was may last year but i've ploughed extra money into this credit card every month and i'm thrilled to say that in 16 months i am just above the £3000 mark

    Debts June 2009
    Capital One Card £6000
    BOS CC £1700
    Car Finance This finished in August 2012 @ £124 a month fixed payments
    DFS Couch This finishes 2013 @55.63 a month fixed payments


    Debts October 2010
    Capital One Card £3245.39 Paying £200 a month into this
    BOS CC £1559.81 Paying minimum payment of £34


    I have cancelled my Capital One Card so just paying the balance off interest is roughly £50 a month but last year is was over £80 a month so saving £30 already

    Also do not have my PIN number of the BOS Card either so haven't spent on wither card since June 2009

    My plan is to concentrate on the Capital One Card and if i continue paying £200 a month i will have this cleared in 18 months so it'll be paid off in April 2012 but my aim is to have it paid off before xmas next year!!!!

    The the BOS card will be paid off using the excess £200 plus the £34 it'll only take me 7 month to pay that off which by that time i'll only have paid the final instalment of my little car so i'll have £360 a month spare so will whack that into my couch.

    well it's a plan and so far i've stuck to it for a year and feel good esp when my ex husband complaining he's up to his eyeballs on debt when he went on a spending spree and bought a 10 grand car

    My kids are 8 and 4 and they are even getting into the frugal life my daughter heads to the sale rail of any clothes shop or the reduced counter at supermarkets and she loves getting bargain

    sorry to waffle on lol
Page 150
    • abba1772
    • By abba1772 7th Feb 18, 8:55 AM
    • 4,667 Posts
    • 15,932 Thanks
    abba1772
    Thank you
    Your totals for this year so far are pretty impressive
    Originally posted by beanielou
    Thank you this doesn't include my mortgage or car repayments although I think I might start including my car repayments as I did in the past........don't know why I haven't I think it's because it's a pro agreement xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    POAMAYC 2011 £6382.66 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 £4012.74
    • monz
    • By monz 7th Feb 18, 9:20 AM
    • 3,132 Posts
    • 9,873 Thanks
    monz
    I drink diet so it doesn't affect me

    Only the original is getting changed
    Originally posted by abba1772
    Same (drinking one the now) I would be having a riot if they changed this!!! Its my one addiction lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,720.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 300/300, Belfast 100/500 (£252 for apart
    ment)
    • abba1772
    • By abba1772 7th Feb 18, 9:23 AM
    • 4,667 Posts
    • 15,932 Thanks
    abba1772
    Same (drinking one the now) I would be having a riot if they changed this!!! Its my one addiction lol xx
    Originally posted by monz
    Mine too
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    POAMAYC 2011 £6382.66 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 £4012.74
    • WannabeFree
    • By WannabeFree 7th Feb 18, 11:42 AM
    • 1,449 Posts
    • 12,129 Thanks
    WannabeFree
    Have a lovely day Abba

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • abba1772
    • By abba1772 7th Feb 18, 12:24 PM
    • 4,667 Posts
    • 15,932 Thanks
    abba1772
    Have a lovely day Abba

    x
    Originally posted by WannabeFree
    Thanks wannabe .....you too xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    POAMAYC 2011 £6382.66 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 £4012.74
    • redofromstart
    • By redofromstart 7th Feb 18, 1:50 PM
    • 1,616 Posts
    • 9,673 Thanks
    redofromstart
    and a bump for this one too -hurrah!
    • nonnie44
    • By nonnie44 7th Feb 18, 2:02 PM
    • 437 Posts
    • 772 Thanks
    nonnie44
    Woohoo your old diary has reappeared!! xx
    • abba1772
    • By abba1772 7th Feb 18, 2:38 PM
    • 4,667 Posts
    • 15,932 Thanks
    abba1772
    Omg omg omg what do I do ....it's back I'm so happy xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    POAMAYC 2011 £6382.66 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 £4012.74
    • abba1772
    • By abba1772 7th Feb 18, 2:40 PM
    • 4,667 Posts
    • 15,932 Thanks
    abba1772
    Woohoo your old diary has reappeared!! xx
    Originally posted by nonnie44
    I know I've just seen it I'm so happy it's back

    What you don't all know is I've been bombarding them demanding I got my diary back and it seem s to have worked but didn't say anything on here as I didn't want to get my own hopes up if that makes sense xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    POAMAYC 2011 £6382.66 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 £4012.74
    • abba1772
    • By abba1772 7th Feb 18, 2:46 PM
    • 4,667 Posts
    • 15,932 Thanks
    abba1772
    Does anyone know how to if we've can merge diaries on here???? Kinda scared it's going to happen again but I've got faith in th people who run this forum and I'm so grateful this dairy has been reinstated xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    POAMAYC 2011 £6382.66 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 £4012.74
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Feb 18, 2:48 PM
    • 3,928 Posts
    • 26,283 Thanks
    HairyHandofDartmoor
    Hurrah your old diary is back .

    Ask a board guide if they can merge the threads. Enthusiastic Saver may be able to do it, or one of the others.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £281.59/Emergency Fund 2 = £41.81/Loss of Income Fund £0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Feb 18, 2:50 PM
    • 3,928 Posts
    • 26,283 Thanks
    HairyHandofDartmoor
    abba~sorry to be dim.
    What does POAMAYC in your signature mean?
    Have a good day.
    Originally posted by beanielou
    I've always wondered that too
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £281.59/Emergency Fund 2 = £41.81/Loss of Income Fund £0
    • abba1772
    • By abba1772 7th Feb 18, 2:52 PM
    • 4,667 Posts
    • 15,932 Thanks
    abba1772
    I've always wondered that too
    Originally posted by HairyHandofDartmoor

    It was a thread I joined when's I first started tackling my debts so I've just kept it the same throughout the years

    Think the thread I'm on now is pay off as much before Xmas so something similar

    So now you know
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    POAMAYC 2011 £6382.66 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 £4012.74
    • Cumbria lass
    • By Cumbria lass 7th Feb 18, 3:02 PM
    • 1,685 Posts
    • 10,005 Thanks
    Cumbria lass
    I am beyond happy. Glad they found you as well.
    CC1 £3655 April 2018.
    • enthusiasticsaver
    • By enthusiasticsaver 7th Feb 18, 3:06 PM
    • 6,266 Posts
    • 12,467 Thanks
    enthusiasticsaver
    Diaries merged
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Cumbria lass
    • By Cumbria lass 7th Feb 18, 3:09 PM
    • 1,685 Posts
    • 10,005 Thanks
    Cumbria lass
    Can mine be merged as well? Thank you
    CC1 £3655 April 2018.
    • enthusiasticsaver
    • By enthusiasticsaver 7th Feb 18, 3:10 PM
    • 6,266 Posts
    • 12,467 Thanks
    enthusiasticsaver
    Can mine be merged as well? Thank you
    Originally posted by Cumbria lass
    Yep, I will try and locate both of yours Cumbria Lass and merge them.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • abba1772
    • By abba1772 7th Feb 18, 3:14 PM
    • 4,667 Posts
    • 15,932 Thanks
    abba1772
    Diaries merged
    Originally posted by enthusiasticsaver
    you my friend are an absolute legend
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    POAMAYC 2011 £6382.66 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 £4012.74
    • enthusiasticsaver
    • By enthusiasticsaver 7th Feb 18, 3:17 PM
    • 6,266 Posts
    • 12,467 Thanks
    enthusiasticsaver
    That is so good that your old diary has reappeared. I am just looking out for Sun Addicts now as that would be great to see that one again too.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Cumbria lass
    • By Cumbria lass 7th Feb 18, 3:31 PM
    • 1,685 Posts
    • 10,005 Thanks
    Cumbria lass
    Happy New Together diaries Abba , hope they find Sun Addicts as well.
    CC1 £3655 April 2018.
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