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
    • 4,734Posts
    • 16,263Thanks
    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 159
    • jwil
    • By jwil 13th Mar 18, 1:17 PM
    • 8,510 Posts
    • 26,026 Thanks
    jwil
    I'd love to be mortgage free by 50. I don't think it will happen, but I aim for it to be not too far after! If anyone can do it by 45 it will be you
    "If you can dream it, you can do it". Walt Disney
    • monz
    • By monz 13th Mar 18, 1:38 PM
    • 3,187 Posts
    • 10,112 Thanks
    monz
    I'd love to be mortgage free by 50. I don't think it will happen, but I aim for it to be not too far after! If anyone can do it by 45 it will be you
    Originally posted by jwil
    I agree with you on this!!
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • abba1772
    • By abba1772 13th Mar 18, 4:21 PM
    • 4,734 Posts
    • 16,263 Thanks
    abba1772
    I've had a hellish day.......cried twice which is rarer than a blue moon as I very rarely cry and no I ain't due it's because of abbies school and how very unsupportive they are towards her

    She's still having issues with her pelvis / hips to the point she called me in tears because she has to do gymnastics as part of her nat 5 and because she told them she's struggling they just told her if she doesn't do it she'll be dropped a grade how supportive is that

    Phoned the doctor and chased up her X-ray results only to be told everything look fine.......eh hospital told me she was out of alignment so wtf que me going bush at the doctors

    Then I get a call from the school to say the letter we submitted from the doctor wasn't specific enough now I miss having to pay another 20 for another letter asking for the school to consider a quiet room for Abbie during her exams if she feels she needs it depending on how her anxiety is and another 20 for a letter to say she having problems with her pelvis and she may not be able to perform as highly as she would during her pe exam.........60 in letters with this school and they are just taking the p%$s

    Sent 5.02 towards the Halifax brining it under another hundred bracket next brack takes me under the 2k mark should be able to get this by the end of the week

    But I spent on my very account bought Kk a pikachu tracksuit was 14 down to 7.20 and a pair of Nike tracksuit bottoms was 24 down to 11.20 and a iPhone for Abbie was 379 down to 329..........before you think she's spoiled she's not we've ordered her the phone as her phone is not working we can't hear her when she calls us and it keeps glitching but she's had it for 2 years but it is on the agreement that come August she'll be paying us 30 a month for it as she'll be getting paid 30 a week to go to school a school she'll be 16 then so I'll be making sure I get it back for sure

    Finish work at 6pm tonight and tbh I don't intend to do my workout video tonight ......sorry monz will get back on it tomorrow night I promise xx

    Mortgage provider will be phoning tonight to officially verify I want to move over to the new mortgage deal we will be paying 398.12 as opposed to 431.82 we are on just now so a saving is a saving
    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 4152.74
    • nonnie44
    • By nonnie44 13th Mar 18, 6:19 PM
    • 442 Posts
    • 792 Thanks
    nonnie44
    That's totally out of order re the school, I think I'd be on the phone to the education department to point out that firstly the school are less than supportive and secondly to find out about the PE, that can't be right surely?? I know that 'Exceptional Circumstances' can be used as we had to use it for my dd, it's on the SQA website. The teachers must be fully aware of Abbie's ability so surely there must be a way round this, I'd be fuming
    • abba1772
    • By abba1772 13th Mar 18, 7:18 PM
    • 4,734 Posts
    • 16,263 Thanks
    abba1772
    That's totally out of order re the school, I think I'd be on the phone to the education department to point out that firstly the school are less than supportive and secondly to find out about the PE, that can't be right surely?? I know that 'Exceptional Circumstances' can be used as we had to use it for my dd, it's on the SQA website. The teachers must be fully aware of Abbie's ability so surely there must be a way round this, I'd be fuming
    Originally posted by nonnie44
    Because it's pe exceptional circumstances don't apply as it's no the sqa who are asssesing them it's the teacher whilst they record her movements so I've ordered the letter so they can send it alongside her paperwork and her videos ..............it's just a pain in the bum nonnie I feel so low today because I feel like no on either is listening but I will be considering phoning the education board tomorrow 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 4152.74
    • beanielou
    • By beanielou 13th Mar 18, 8:27 PM
    • 53,967 Posts
    • 213,816 Thanks
    beanielou
    So sorry that you have had such a bad day.
    Keep plodding xx
    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.
    • nonnie44
    • By nonnie44 13th Mar 18, 8:56 PM
    • 442 Posts
    • 792 Thanks
    nonnie44
    It's so frustrating and it's not right that they dealt with it so badly, especially with Abbie already having a problem with anxiety. I can't believe you need a letter to get a quiet room for the exams! They haven't been too bad at dealing with stress at our school, but I have to say that because we had 2 pupils take their own lives last year they have really worked hard to help all the kids deal with anxiety and stress. In fact Luke has signed up for a mindfulness course that they are going to run, I'm really hoping that it'll help keep him calmer re exams.....today was the French speaking test and last night was not fun.

    I hope it all gets sorted out and thank goodness Abbie has you fighting for her......just think another 10ish weeks and they'll all be done, well till next year anyway
    • beanielou
    • By beanielou 13th Mar 18, 9:02 PM
    • 53,967 Posts
    • 213,816 Thanks
    beanielou
    Also a slightly different perception.
    Stressful as it all is believe me when I say that in a few years it will not matter.
    Abby will move on to life after school & all will be better.
    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.
    • moneyonmymindsam
    • By moneyonmymindsam 13th Mar 18, 9:24 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    I think the school are being REALLY unreasonable, Firstly how dare they question the GP's letters. Sorry but someone there is really being a jobsworth.

    You are strong - sometimes its good to cry to just release it. She's a good kid and will come good regardless as she has you as an inspiration.

    Much love as always
    Samx
    Emergency Fund Challenge
    • moneyonmymindsam
    • By moneyonmymindsam 13th Mar 18, 9:25 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    p.s.

    Good bargains for KK
    Emergency Fund Challenge
    • abba1772
    • By abba1772 13th Mar 18, 9:49 PM
    • 4,734 Posts
    • 16,263 Thanks
    abba1772
    It's so frustrating and it's not right that they dealt with it so badly, especially with Abbie already having a problem with anxiety. I can't believe you need a letter to get a quiet room for the exams! They haven't been too bad at dealing with stress at our school, but I have to say that because we had 2 pupils take their own lives last year they have really worked hard to help all the kids deal with anxiety and stress. In fact Luke has signed up for a mindfulness course that they are going to run, I'm really hoping that it'll help keep him calmer re exams.....today was the French speaking test and last night was not fun.

    I hope it all gets sorted out and thank goodness Abbie has you fighting for her......just think another 10ish weeks and they'll all be done, well till next year anyway
    Originally posted by nonnie44

    Yeah she's doing her higher next year hopefully I won't need more letters for the school after this year 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 4152.74
    • abba1772
    • By abba1772 13th Mar 18, 9:50 PM
    • 4,734 Posts
    • 16,263 Thanks
    abba1772
    Also a slightly different perception.
    Stressful as it all is believe me when I say that in a few years it will not matter.
    Abby will move on to life after school & all will be better.
    Originally posted by beanielou
    No such luck as my eldest son starts high school in August
    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 4152.74
    • abba1772
    • By abba1772 13th Mar 18, 9:53 PM
    • 4,734 Posts
    • 16,263 Thanks
    abba1772
    I think the school are being REALLY unreasonable, Firstly how dare they question the GP's letters. Sorry but someone there is really being a jobsworth.

    You are strong - sometimes its good to cry to just release it. She's a good kid and will come good regardless as she has you as an inspiration.

    Much love as always
    Samx
    Originally posted by moneyonmymindsam

    Thank you Sam I agree they are just being a super pain in my backside 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 4152.74
    • monz
    • By monz 14th Mar 18, 9:14 AM
    • 3,187 Posts
    • 10,112 Thanks
    monz
    What absolute a*****es of the schools!!! Honestly scum and thats nice version what I think of them! How dare they!!! Schools these days are a joke

    No worries on shred. I gave up on insanity just dont have it in me again plus got a viral infection in my throat... if you saw the pitiful state of me 2 am this morning on kitchen floor with ice poles it would have cheered you up laughing lol xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • abba1772
    • By abba1772 14th Mar 18, 9:52 AM
    • 4,734 Posts
    • 16,263 Thanks
    abba1772
    What absolute a*****es of the schools!!! Honestly scum and thats nice version what I think of them! How dare they!!! Schools these days are a joke

    No worries on shred. I gave up on insanity just dont have it in me again plus got a viral infection in my throat... if you saw the pitiful state of me 2 am this morning on kitchen floor with ice poles it would have cheered you up laughing lol xx
    Originally posted by monz
    Aww monz that's a shame hopefully you recover quickly from it nothing worse than feeling rotten

    I'm still tracking my food with weight watchers so should put be too bad this week but defo will be doing my DVD tonight tomorrow and Friday the. It's up to stage 3 omg I'm scarred

    This school is a joke and I've had enough have booked abbie in to see the guy that fixed her alignment for next week so she's going to push through this exam on Tuesday even if It hurts, she'll be dosed up on painkillers and she should have this letter to smack the pe teacher in the face with then if she's sore after it I've told her to just come home and rest up at home as she has her music exam The following day so that's the plan here's hoping it works out xx

    Sent 6.83 I think towards the the Halifax it's going down

    Paid xanders London trip all 270 of it this morning so expensive but he's all excited

    And Xander has declared he needs new trainers as he's went up a size he's only 11 but he has size 7 feet so a trip to the shops is needed at the weekend might go to East Kilbride for a nosey at the Nike outlet centre......need to convince hubby

    Off to dry my hair before I start work 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 4152.74
    • monz
    • By monz 14th Mar 18, 11:26 AM
    • 3,187 Posts
    • 10,112 Thanks
    monz
    Ooo I love the Nike outlet in EK

    Also go to shuch imperfects and office ex display. I got 126 worth of trainers (2 pairs) down to 14 and nothing wrong with them just "marks" which came off with a wipe :P xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • abba1772
    • By abba1772 14th Mar 18, 11:36 AM
    • 4,734 Posts
    • 16,263 Thanks
    abba1772
    Ooo I love the Nike outlet in EK

    Also go to shuch imperfects and office ex display. I got 126 worth of trainers (2 pairs) down to 14 and nothing wrong with them just "marks" which came off with a wipe :P xx
    Originally posted by monz
    Is that where Sainsburys is at the industrial estate ????? Been a while since I was up that way 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 4152.74
    • jwil
    • By jwil 14th Mar 18, 3:22 PM
    • 8,510 Posts
    • 26,026 Thanks
    jwil
    How awful about the school You'd have thought they would know abbie well enough to know what's going on Hope it gets sorted.
    "If you can dream it, you can do it". Walt Disney
    • monz
    • By monz 14th Mar 18, 3:22 PM
    • 3,187 Posts
    • 10,112 Thanks
    monz
    Yeah nike outlit but the other ones are online. will send you link

    https://www.schuh.co.uk/imperfects/

    https://offcutsshoes.co.uk/
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • abba1772
    • By abba1772 16th Mar 18, 8:31 AM
    • 4,734 Posts
    • 16,263 Thanks
    abba1772
    Sorry I didn't get on last night yesterday was manic between working and sorting out avon

    As you can see the Halifax is just under 2k got paid off the college and one of my parents and someone paid for a avon order so just chucked it over to the Halifax before I spent it

    Still on target to getting this card a thread 1.5k by the end of the month

    Off to get ready for playgroup 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 4152.74
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

3,592Posts Today

9,419Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin