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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 4,992Posts
    • 17,552Thanks
    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 183
    • WannabeFree
    • By WannabeFree 8th Aug 18, 9:39 PM
    • 1,756 Posts
    • 15,241 Thanks
    WannabeFree
    Amazing 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 8th Aug 18, 9:49 PM
    • 4,992 Posts
    • 17,552 Thanks
    abba1772
    Thank you to everyone from Luke, he was really chuffed that people that don't know him took the time to congratulate him

    That's a fabulous chunk of debt gone abba, your really smashing that target! I hope you manage to get school jumpers elsewhere, we managed to get the last of the uniform today thank goodness.

    Fingers crossed for a reasonable quote on the blinds xx
    Originally posted by nonnie44
    What kind of jumpers do you get your son for school......mine doesn't want v neck ones but that's all that seems to be available xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4034.11
    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 £6636.14
    • abba1772
    • By abba1772 9th Aug 18, 7:57 AM
    • 4,992 Posts
    • 17,552 Thanks
    abba1772
    Morning

    Was meant to be starting work at 7.15am but the kids aren't now here yet won't finish til 6.30pm tonight ......gonna be a long day I reckon

    It's the morning of the annual trip I organise for the playgroup......we have 52 people coming to the farm park must be crazy if you ask me but the sun is shining and that all I ask for

    Got a bargain last night was looking for a north face jacket for Xander starting high school ........I know i know blooming expensive they aren't as they start at £60 in jd sports for £60 managed to get the exact same one with cash back for £37.50 from some camping online store so I'm quite pleased with myself hope it fits him

    Sent £15 towards the Halifax would have been more but abbies name changing fee came out this morning

    Right off to make packed lunches for everyone I'll have six childcare under the age of 12 ranging from 1 year old to 12 plus Abbie I need my head examined then I have avon in the evening
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4034.11
    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 £6636.14
    • doingitanyway
    • By doingitanyway 9th Aug 18, 8:54 AM
    • 3,239 Posts
    • 17,237 Thanks
    doingitanyway
    You are good at recognising brands are important for kids but finding a MSE way to accommodate it.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • abba1772
    • By abba1772 9th Aug 18, 9:01 AM
    • 4,992 Posts
    • 17,552 Thanks
    abba1772
    You are good at recognising brands are important for kids but finding a MSE way to accommodate it.
    Originally posted by doingitanyway
    I know kids are cruel if they aren't wearing the right brands and I don't want him bullied for it....... they won't know what I've paid for it all they'll see is the name xd
    Last edited by abba1772; 09-08-2018 at 4:38 PM.
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4034.11
    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 £6636.14
    • monz
    • By monz 9th Aug 18, 9:22 AM
    • 3,295 Posts
    • 10,822 Thanks
    monz
    ooo what site is that for jacket xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad £800/£4,000 mortgage - £83,695 o/s currently - paid £468.54 (£4.10 overpayment)
    boys bday 115/300 (£35 pending surveys) Christmas - 0/500
    • abba1772
    • By abba1772 9th Aug 18, 9:47 AM
    • 4,992 Posts
    • 17,552 Thanks
    abba1772
    Ellis Bingham mountain sports
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4034.11
    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 £6636.14
    • Purplemumof2
    • By Purplemumof2 9th Aug 18, 10:07 AM
    • 6,314 Posts
    • 23,360 Thanks
    Purplemumof2
    Morning Abba,

    That was a great bargain and cashback too

    Enjoy your day...I don't think I could do your job, I have enough with my two
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6060.00 Cap 1: £170.00 BC: £TBC

    POAMAYC 2018 #041 PD £6919.86/£7000
    Savings for Christmas £273.72/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • nonnie44
    • By nonnie44 9th Aug 18, 2:41 PM
    • 457 Posts
    • 845 Thanks
    nonnie44
    I'm lucky as it's V neck jumpers for Luke's school, do you want me to check my local Asda to see if they have any crew neck jumpers in stock? xx
    • beanielou
    • By beanielou 9th Aug 18, 3:12 PM
    • 56,258 Posts
    • 227,503 Thanks
    beanielou
    Good news on the jacket.
    Enjoy your very hectic day today
    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. MFW 2018. No 144
    • abba1772
    • By abba1772 9th Aug 18, 4:39 PM
    • 4,992 Posts
    • 17,552 Thanks
    abba1772
    I'm lucky as it's V neck jumpers for Luke's school, do you want me to check my local Asda to see if they have any crew neck jumpers in stock? xx
    Originally posted by nonnie44
    I'm nipping into m&s on Saturday.......he'll just need to be grateful for what he gets tbh xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4034.11
    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 £6636.14
    • nonnie44
    • By nonnie44 9th Aug 18, 5:55 PM
    • 457 Posts
    • 845 Thanks
    nonnie44
    Not a problem, I assume you need to check the jumpers for size? I ordered mine online and collected instore but that won't help if your not sure what size. Hopefully they'll still have plenty in stock
    • abba1772
    • By abba1772 10th Aug 18, 8:16 AM
    • 4,992 Posts
    • 17,552 Thanks
    abba1772
    Not a problem, I assume you need to check the jumpers for size? I ordered mine online and collected instore but that won't help if your not sure what size. Hopefully they'll still have plenty in stock
    Originally posted by nonnie44
    Yeah size is a issue at the moment as he's put a bit of weight on and he's a bit self conscious about it so want him to be comfy

    But thanks for the offer nonnie it's very much appreciated xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4034.11
    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 £6636.14
    • abba1772
    • By abba1772 10th Aug 18, 2:05 PM
    • 4,992 Posts
    • 17,552 Thanks
    abba1772
    Afternoon

    Another busy day I'm struggling to get out of my bed thank goodness it's Friday

    Started work at 7.30am will finish at 5.30pm not too bad

    Quiet day at playgroup today 19 kids attended but they were quite quiet considering there was that many of them..........they must have been shattered from the farm park trip yesterday

    Sent £17.76 towards the Halifax this morning it's coming down nicely only £327.12 to find by the end of the month til I hit my target I set I can do this love having mini targets to hit within targets ........I'm such a geek

    My kids are meant to be getting picked up at 2pm mil is always late lol will have tonight to myself and so you know what'll I'll be doing....housework and putting avon orders through living the life eh

    Hope you're all ready for the weekend have not idea what we doing except Kk has a birthday party tomorrow afternoon and then we need to hunt for jumpers for Xander for school xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4034.11
    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 £6636.14
    • nonnie44
    • By nonnie44 10th Aug 18, 2:05 PM
    • 457 Posts
    • 845 Thanks
    nonnie44
    Wee soul, definitely need to be comfy, hopefully you'll get everything you need tomorrow xx
    • jwil
    • By jwil 10th Aug 18, 2:52 PM
    • 8,809 Posts
    • 27,557 Thanks
    jwil
    Enjoy your 'quiet' evening
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 10th Aug 18, 3:05 PM
    • 1,756 Posts
    • 15,241 Thanks
    WannabeFree
    Enjoy your 'quiet' evening
    Originally posted by jwil
    From me too

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 10th Aug 18, 3:16 PM
    • 56,258 Posts
    • 227,503 Thanks
    beanielou
    Quiet evening
    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. MFW 2018. No 144
    • abba1772
    • By abba1772 12th Aug 18, 9:01 PM
    • 4,992 Posts
    • 17,552 Thanks
    abba1772
    Quiet evening didn't happen lol was running about getting the boys birthday presents sorted which is all done just need to get wrapping paper for them and cakes sorted and we are good to go ........birthdays are on the 20th the day they start primary school and high school poor wee souls

    Managed to get Xander his school jumpers got them from m&s £8 each got the last four

    His north face jacket arrived and it fits him nicely he's so chuffed with it

    Did something silly.......well not silly I guess depends on how you look at it we are going to turkey next year even though I've not booked it yet we are defo going but because the Turkish lira has sky rocketed to nearly double what it was the last time I was there's I've put the £200 I earned from extra shifts over to the revolut card and transfered it into lira if I did that three years ago it would have only came to 800 lira which was a great rate but thanks to Donald trump it's now double that as I have 1644 Turkish lira in my card, so I'm doing to try and add between £10-£20 a week to the card whilst the rate is great and hopefully we will have a great amount of spending money for less pounds and it means I can fully concentrate on clearing these debts rather than pausing the debt repayments whilst paying off holidays or saving spending money

    been looking at holidays and found a one for £2200 for six of us and includes flights transfered and two rooms so will wait and see if abbies friend is joining us and see how we are going to book it, hoping I can put a deposit down then pay it up after the new year we shall see. If her friend decides not to come it'll obviously be cheaper than that.

    Still continuing to pay down the Halifax sent £10.52 towards it today t this will only pay off the interest that was added on today, saved £6 in interest by over payin this month, still on target for hitting my target of £3800 by the end of the month

    Only got abbies trousers and jumpers to get which we are doing on Wednesday hopefully get them out of primark as that what she wants I've taught her well

    Off to bath my wee Kk who is loaded with the cold xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4034.11
    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 £6636.14
    • abba1772
    • By abba1772 13th Aug 18, 7:59 AM
    • 4,992 Posts
    • 17,552 Thanks
    abba1772
    Morning

    £11.56 sent towards the Halifax this morning

    Working from 7.30am til 6pm today wee one having his breakfast or more like feeding my table with jam

    Got playgroup to set up today then we shall see where the rest of the day takes us

    Also got a ironing pile to sort out but might do that whilst the baby is sleeping after lunch as the bigger ones tend to go upstairs whilst he isn't sleeping

    One week til schools go back, Xander is completely sorted and I need to get little gym shoes for Kk but you can pick the most up for a couple of pound so they won't break the bank just abbie to sort out but money is put by for her

    Hoping weather stay dry as need to get some washings out today

    Hope you all have a lovely Monday xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4034.11
    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 £6636.14
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