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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 4,807Posts
    • 16,729Thanks
    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 151
    • abba1772
    • By abba1772 7th Feb 18, 3:52 PM
    • 4,807 Posts
    • 16,729 Thanks
    abba1772
    Happy New Together diaries Abba , hope they find Sun Addicts as well.
    Originally posted by Cumbria lass
    Fingers crossed they find sun addicts 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 £4430.14
    • enthusiasticsaver
    • By enthusiasticsaver 7th Feb 18, 3:56 PM
    • 6,607 Posts
    • 13,897 Thanks
    enthusiasticsaver
    I am keeping an eye out for Sun Addicts. I think I will email the forum team and see what they say. Hers disappeared before the great disappearing day when loads went. Jwils is another one I think is missing. Wannabe's is back.
    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
    • beanielou
    • By beanielou 7th Feb 18, 5:03 PM
    • 55,039 Posts
    • 219,830 Thanks
    beanielou
    Wow, wow, wow.
    That is great news.
    I feel quite emotional for some reason.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • WannabeFree
    • By WannabeFree 7th Feb 18, 7:37 PM
    • 1,622 Posts
    • 14,156 Thanks
    WannabeFree
    So glad the diaries are coming back

    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, 9:08 PM
    • 4,807 Posts
    • 16,729 Thanks
    abba1772
    Wow, wow, wow.
    That is great news.
    I feel quite emotional for some reason.
    Originally posted by beanielou

    Honestly I've been the same it's honestly made my day
    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 £4430.14
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Feb 18, 9:11 PM
    • 4,426 Posts
    • 30,701 Thanks
    HairyHandofDartmoor
    I am keeping an eye out for Sun Addicts. I think I will email the forum team and see what they say. Hers disappeared before the great disappearing day when loads went. Jwils is another one I think is missing. Wannabe's is back.
    Originally posted by enthusiasticsaver
    Oh yes please it would be lovely to have SA's diary back
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • abba1772
    • By abba1772 7th Feb 18, 9:16 PM
    • 4,807 Posts
    • 16,729 Thanks
    abba1772
    Well I've started putting my avon through just so it's ready to submit on Friday so far I have £523 in orders with only 7 things out of stock so so far we will make £120 in commission

    Confession time.........I bought a duvet set in homebargains today it was crushed velvet and would match my curtains got it home and I don't like it the picture was misleading but what did expect at £16.99 so I'll be returning it asap

    And I forgot my two saving tins this us what happens when I'm in a rush but still managed to spend £10 in there as well as the duvet 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 £4430.14
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Feb 18, 9:25 PM
    • 4,426 Posts
    • 30,701 Thanks
    HairyHandofDartmoor
    It's a blessing in disguise that you don't like the duvet set because now you can get a refund
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 7th Feb 18, 9:29 PM
    • 55,039 Posts
    • 219,830 Thanks
    beanielou
    It's a blessing in disguise that you don't like the duvet set because now you can get a refund
    Originally posted by HairyHandofDartmoor
    Agreed
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • abba1772
    • By abba1772 7th Feb 18, 10:24 PM
    • 4,807 Posts
    • 16,729 Thanks
    abba1772
    It's a blessing in disguise that you don't like the duvet set because now you can get a refund
    Originally posted by HairyHandofDartmoor
    Bet it takes ages to go back into my account 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 £4430.14
    • beanielou
    • By beanielou 7th Feb 18, 10:54 PM
    • 55,039 Posts
    • 219,830 Thanks
    beanielou
    Bet it takes ages to go back into my account xx
    Originally posted by abba1772
    Hopefully not.
    I am still waiting for a online refund from two weeks ago mind you
    Allow up to 15 days
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • monz
    • By monz 8th Feb 18, 9:08 AM
    • 3,200 Posts
    • 10,336 Thanks
    monz
    Yay you are back together again xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 238.04
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/£4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (£252 for apart
    ment)
    • Purplemumof2
    • By Purplemumof2 8th Feb 18, 10:26 AM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    Yay your diary is back
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • abba1772
    • By abba1772 8th Feb 18, 4:40 PM
    • 4,807 Posts
    • 16,729 Thanks
    abba1772
    Afternoon / evening

    Is it bedtime yet???

    Wee Kk got up at 3.45am coughing and spluttering poor wee thing then up again at 6.30am burning up..........sick of him being poorly but this is the season for him being poorly least there has been no hospital visits so far ......touch wood

    So started work at 7am wasmeant to finish at 2pm but mum texted me asking for a couple more hours as her kitchen flooded so of course it wasn't a problem and it's extra pennies for me

    As Kk wasn't feeling too hot decided to skip toddlers and go for a walk into town and get all my wee jobs out the way I needed done

    Found a set of keys in the middle of the road so handed them into the police station

    Took some broken gold I found in my jewellery box to see if it was worth anything..........apparently it was lol £160 to be precise stuck that in my bank and sent it straight at to Halifax

    Went into cex with a couple of games got £2.70 but gave it to Kk to spend on himself

    Returned my dodgy duvet set to homebargains but as I need to get stuff whilst I was in there my shopping only cost me £1.58 instead of £18.57 finally got bulbs that I need as at least every room needs a blooming bulb replaced

    So my Halifax statement starts on the 12th of every month and whilst I was logged on I've only just noticed that since the 12th January I've paid £1006 towards this Halifax card didn't realise it was that much I'm genuinely shocked not sure if I'll manage to repeat this again this month but I'm sure I've nearly paid off the balance that was incurring interest so soon all my debt will be 0% which will be fab

    So I'm still aiming to get this card at £2900 by the end of the month and I am hoping to pay off the Argos card next week when college pays me for the two college students kids I look after xx

    No the having much luck with the surveys at the moment pa is pants yougov is slow and opinion post is blah but I'll keep at them xx

    Right off to see what I can make for my dinner 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 £4430.14
    • beanielou
    • By beanielou 8th Feb 18, 4:46 PM
    • 55,039 Posts
    • 219,830 Thanks
    beanielou
    Extra pennies good
    You are doing so well with the Hellifax card
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • jwil
    • By jwil 8th Feb 18, 4:47 PM
    • 8,621 Posts
    • 26,605 Thanks
    jwil
    Great to see your old diary back again Good thinking about merging, I might ask for mine to be merged now
    "If you can dream it, you can do it". Walt Disney
    • beanielou
    • By beanielou 8th Feb 18, 4:49 PM
    • 55,039 Posts
    • 219,830 Thanks
    beanielou
    Great to see your old diary back again Good thinking about merging, I might ask for mine to be merged now
    Originally posted by jwil
    Just ask one of the board guides jwil.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Feb 18, 9:49 PM
    • 4,426 Posts
    • 30,701 Thanks
    HairyHandofDartmoor
    That's fantastic about the gold and Hellifax Abba . Hope little kk is better soon.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • sourcrates
    • By sourcrates 8th Feb 18, 10:12 PM
    • 14,342 Posts
    • 13,536 Thanks
    sourcrates
    Great to see your old diary back again Good thinking about merging, I might ask for mine to be merged now
    Originally posted by jwil
    Just say the word.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • abba1772
    • By abba1772 9th Feb 18, 8:17 AM
    • 4,807 Posts
    • 16,729 Thanks
    abba1772
    Well last night was eventful.........ended up taking Kk to emergency doctors as he was burning up to the point his face was bright red and cal poly and ibuprofen weren't taking his temp down and his cough was getting worse

    Doctors suspect he has croup I explained all the kids I looked are this week have a snotty nose and a cough so she says there was no point in my not working as they've all got the cold unfortunately Kk gets it worse but he's had his medicine and pleased to say the cough is improved thank goodness and he's eating.

    Plus one of my avon customers was a nurse who just happened to be at the emergency doc so she made sure we were looked after

    So you can imagine I never slept last night so I'm shattered but thankfully Kk did sleep

    Sent £8 towards the Halifax under another hundred bracket and only £97 until I'm under the £3k mark determined to get this by next week which would be awesome 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 £4430.14
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