Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 4,655Posts
    • 15,834Thanks
    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 152
    • monz
    • By monz 9th Feb 18, 8:37 AM
    • 3,117 Posts
    • 9,796 Thanks
    monz
    Croup is the worst. My boy still gets this and he is 6. He takes after me, I used to get hospitalised when younger with it. Steroid shots help loads with it though. Hope we KK is better soon <3 and docs say I am the "lucky" few who gets adult version aka fire throat and no voice which is rare lol... hope our boys dont get that!

    woo you will defo get under £3k defo
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 200/300, Belfast 0/500 (£252 for apart
    ment)
    • WannabeFree
    • By WannabeFree 9th Feb 18, 9:22 AM
    • 1,405 Posts
    • 11,705 Thanks
    WannabeFree
    Hope KK is feeling better soon

    You're doing amazing with them payments Abba
    “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 9th Feb 18, 1:10 PM
    • 4,655 Posts
    • 15,834 Thanks
    abba1772
    He's doing much better than last night playing his tablet with my wee mindee so I'll just leave them to it

    Hes off nursery today then they are off for a week as it's the February break next week got stuff planned for everyday and just been told I don't have two of the mindees for during the holidays still get paid tho

    So just waiting on my other two parents getting back to me then I'll plan me week according to that

    Collected another £45 of avon orders going to get the orders put through tonight 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
    • WannabeFree
    • By WannabeFree 9th Feb 18, 1:11 PM
    • 1,405 Posts
    • 11,705 Thanks
    WannabeFree
    We don't finish until the week after you. We are sure counting down!

    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 10th Feb 18, 1:28 PM
    • 4,655 Posts
    • 15,834 Thanks
    abba1772
    Afternoon

    Just chilling out watching my trashy telly seeing as my kids are away to their dance class so I have peace til 3pm

    Submitted my Avon order managed to collect £688 in orders I think we gain about £156 in commission woo hoo

    Been a spendy day spent £28.29 in the butchers on a 5kg tub of chicken breasts and 25 burgers.....they are the best

    Spent £15 in lidl just topping up the Fridge then got Kk his little turtle figures for him being a brave boy in taking his steroids costs me £8.97 then somehow got conned into a McDonald's wee monkey that cost me £7.77 so my purse is shut for the rest of the weekend
    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
    • beanielou
    • By beanielou 10th Feb 18, 2:48 PM
    • 52,728 Posts
    • 207,135 Thanks
    beanielou
    Great news on the Avon
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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 10th Feb 18, 6:10 PM
    • 1,405 Posts
    • 11,705 Thanks
    WannabeFree
    Amazing result with Avon again

    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 11th Feb 18, 4:23 PM
    • 4,655 Posts
    • 15,834 Thanks
    abba1772
    Woo hoo got our renewal for our car insurance and they put it up from £330 last year to £490 this year checked online got it down to £340 through compare the meerkat then popped over to direct line and got my car insurance for £291 saving nearly £200 compared to our current insurer

    So just paid for it in full so it means we don't need to worry about it for a year now
    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
    • beanielou
    • By beanielou 11th Feb 18, 4:48 PM
    • 52,728 Posts
    • 207,135 Thanks
    beanielou
    Good news on car insurance.
    That is such a big difference.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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 11th Feb 18, 5:01 PM
    • 1,405 Posts
    • 11,705 Thanks
    WannabeFree
    Well done on the insurance - a massive difference!

    Hope you've had a lovely weekend and KK is feeling better

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • doingitanyway
    • By doingitanyway 11th Feb 18, 5:07 PM
    • 2,897 Posts
    • 14,090 Thanks
    doingitanyway
    Well done on the insurance.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • abba1772
    • By abba1772 11th Feb 18, 7:37 PM
    • 4,655 Posts
    • 15,834 Thanks
    abba1772
    Well done on the insurance - a massive difference!

    Hope you've had a lovely weekend and KK is feeling better

    x
    Originally posted by WannabeFree
    He's getting awfully snotty his wee Nose won't stop running
    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
    • Sun Addict
    • By Sun Addict 11th Feb 18, 9:15 PM
    • 5,593 Posts
    • 36,049 Thanks
    Sun Addict
    Well done on the Avon order - that's one thing I miss - an Avon rep. Used to have one at work and she stopped doing it. I love the Skin so Soft bath oil.

    Hoping for good health in the Abba household next week.
    Virtual Sealed Pot 2018 £250.33
    Debt £2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund £2000/£10,000
    Dining room fund £
    • abba1772
    • By abba1772 12th Feb 18, 8:44 AM
    • 4,655 Posts
    • 15,834 Thanks
    abba1772
    Well done on the Avon order - that's one thing I miss - an Avon rep. Used to have one at work and she stopped doing it. I love the Skin so Soft bath oil.

    Hoping for good health in the Abba household next week.
    Originally posted by Sun Addict
    Sun addict I sometimes get free delivery offers through my online avon shop so If you want im more than happy to send you the link when they come through to me 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
    • kindofagilr
    • By kindofagilr 12th Feb 18, 4:28 PM
    • 6,182 Posts
    • 20,806 Thanks
    kindofagilr
    Well done on the Avon order and the insurance I am hoping we will be able to pay for DH's in one go this year rather than monthly (he has some things to stick on ebay which should generate enough money for it and the home insurance) xx
    Next Target: Very - Was £1469.07 - Now £1455.07 - 05/04/18

    POAMAYC 2018 #87 Paid £1906.53/£12,000 ~ 15.88%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£85,093.24 (as of 31/03/18) ~ 18.50% Paid

    My Debt Free Diary (Link)
    • abba1772
    • By abba1772 12th Feb 18, 8:28 PM
    • 4,655 Posts
    • 15,834 Thanks
    abba1772
    Hi kindofagilr

    Evening everyone

    Had the day off work still had to set up playgroup tho 10 kids attended nice and quiet

    Came home had lunch sent £10 towards the Halifax

    Did my first day of my 30 day shred omg my knees were like jelly for two hours later did it with Abbie who struggled again........will repeat again tomorrow

    Poor wee kks nose won't stop streaming bless him he's a wee pro at wiping his nose

    Early start tomorrow morning booooooo 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 13th Feb 18, 8:40 AM
    • 3,117 Posts
    • 9,796 Thanks
    monz
    Woo just think 29 days to go and will see a difference xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 200/300, Belfast 0/500 (£252 for apart
    ment)
    • kindofagilr
    • By kindofagilr 13th Feb 18, 11:18 AM
    • 6,182 Posts
    • 20,806 Thanks
    kindofagilr
    Hey

    I am going to start T25 (the guy who does Insanity) tomorrow, I am terrified lol I have been told I am going to die haha xx
    Next Target: Very - Was £1469.07 - Now £1455.07 - 05/04/18

    POAMAYC 2018 #87 Paid £1906.53/£12,000 ~ 15.88%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£85,093.24 (as of 31/03/18) ~ 18.50% Paid

    My Debt Free Diary (Link)
    • monz
    • By monz 13th Feb 18, 1:01 PM
    • 3,117 Posts
    • 9,796 Thanks
    monz
    I love Shaun t 3 weeks into his Insanity workoutsx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 200/300, Belfast 0/500 (£252 for apart
    ment)
    • abba1772
    • By abba1772 13th Feb 18, 1:48 PM
    • 4,655 Posts
    • 15,834 Thanks
    abba1772
    I love Shaun t 3 weeks into his Insanity workoutsx
    Originally posted by monz
    You can see a difference monz ..........I'll stick with Jillian til the end then see who else I can use 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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,321Posts Today

8,529Users online

Martin's Twitter
  • Just a quick note. I've been overwhelmed by the strength of support by my campaign to stop facebook fake ads today? https://t.co/KexhjVVznY

  • RT @mmhpi: On the eve of tomorrow's #RecoverySpace debate in parliament, we just delivered our 10,000 letters to the Chancellor. People in?

  • Interesting piece yet they asked me if it was a publicity stunt and I said yes partially, in order to raise awarene? https://t.co/FdKcO1uMLx

  • Follow Martin