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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 5,293Posts
    • 19,039Thanks
    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 197
    • abba1772
    • By abba1772 11th Oct 18, 5:21 PM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    Evening

    Mindee eating his dinner so thought I would pop on

    Been a quick day today didn't start til 11am do washed all the downstairs floors whilst I had peace xx

    Gave the wee one his lunch and then we popped up to the town to collect xanders new trainers to replace his missing one nipped into savers and got zoflora for 99p.......that's all I've spent so far still got kks parents night tonight at 6.30pm might skin me for a book if he's got a good report which I'm sure he will

    Got a lovely email from avon to say that my delivery will be late and won't be coming to me til Monday if it turns up that is messaged all my customers to let them know only has one customer asking me to send her stuff back as it was for her holiday which she goes away on Saturday so it's no use to her luckily I have great customers who are very understanding

    Abbies phone is getting dropped tonight hopefully it'll be a cheap repair seeing as she managed to snap a cheap set of earphones in it and she's unable to talk on the phone......might be a blessing in disguise but she's paying for it herself so nothing to do with me and an expensive lesson for her.......you get what you pay for

    Sent 20 towards the Halifax only 862.01 to go
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • abba1772
    • By abba1772 12th Oct 18, 8:09 PM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    Evening

    Woo hoo it's Friday thank goodness as I'm shattered

    Set up playgroup today was quiet only 12 attended but think the weather put people off

    Only spent 3 on playgroup today

    Sent over 20 towards the Halifax hoping to get this under 800 this weekend

    Weigh in tomorrow hate Saturday mornings hubby has dentist so he'll be a grumpy a r s e tomorrow the joys but he's buying a takeaway tomorrow so all will be forgiven
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • Broke Bear
    • By Broke Bear 12th Oct 18, 10:51 PM
    • 34 Posts
    • 180 Thanks
    Broke Bear
    Hi Abba, just read your diary from start to now, you are amazing and such an inspiration. I have just started my debt busting journey and if I can find just a fraction of your energy I know it can be done! Thanks for a fab diary and I will be following from here on in xx
    Day 1: Sept 1st 2018 - CC debt - 29,218.27 - 0% paid off
    Now: Oct 1st 2018 - CC debt - 28,705.30 - 1.75% paid off

    If thou of fortune be bereft, and of thine earthly store hath left,Two loaves, Sell one and with the dole, buy hyacinths to feed the soul. 'Anon'
    • abba1772
    • By abba1772 12th Oct 18, 10:57 PM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    Hi Abba, just read your diary from start to now, you are amazing and such an inspiration. I have just started my debt busting journey and if I can find just a fraction of your energy I know it can be done! Thanks for a fab diary and I will be following from here on in xx
    Originally posted by Broke Bear
    Hi broke bear

    You're brave reading from the start how long did it take you xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • Broke Bear
    • By Broke Bear 12th Oct 18, 11:10 PM
    • 34 Posts
    • 180 Thanks
    Broke Bear
    Only about a week!!
    Day 1: Sept 1st 2018 - CC debt - 29,218.27 - 0% paid off
    Now: Oct 1st 2018 - CC debt - 28,705.30 - 1.75% paid off

    If thou of fortune be bereft, and of thine earthly store hath left,Two loaves, Sell one and with the dole, buy hyacinths to feed the soul. 'Anon'
    • abba1772
    • By abba1772 13th Oct 18, 1:13 PM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    Only about a week!!
    Originally posted by Broke Bear
    Oh wow you must have patience of a saint.......I like to read back to remind me how far I've come

    Do you have a diary ??? Would love to return the favour
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • abba1772
    • By abba1772 13th Oct 18, 2:08 PM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    Afternoon

    Juggled my accounts and sent 55.01 towards the Halifax so I could bring it down to under the 800 mark

    Which it is

    And hoping to get it under the 700 mark by next week xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • WannabeFree
    • By WannabeFree 13th Oct 18, 5:11 PM
    • 1,771 Posts
    • 15,649 Thanks
    WannabeFree
    You're amazing Abba

    I will be ordering online I just don't want it to arrive why I'm on holiday

    x
    Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Oct 18, 9:25 PM
    • 5,274 Posts
    • 37,113 Thanks
    HairyHandofDartmoor
    That Halifax will be gone in no time.
    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 14th Oct 18, 11:07 AM
    • 57,492 Posts
    • 235,505 Thanks
    beanielou
    That Halifax will be gone in no time.
    Originally posted by HairyHandofDartmoor
    At the wat abba goes it will be
    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 14th Oct 18, 5:24 PM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    Got my Halifax statement in

    Since 12th September I've managed to pay off 1682.38 that's an amazing amount

    Estimated interest is 6.47 for next month but as I'm clearing it I'm hoping they'll be no interest
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • abba1772
    • By abba1772 15th Oct 18, 8:05 AM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    Morning

    Mindee eating brekkie so jumped on to do my daily round down

    Sent 104 towards my barclaycard, this is my target for next year so just paying minimum payment towards it just now

    Sent 93.86 towards the Halifax bring it under the 700 bracket hoping to get it under the 500 mark by this weekend I like a challenge

    Avon is meant to Be getting delivered today will sort it when my mindees have gone home today and get my deliveries organised for tomorrow

    Working 7.30am til 5.30pm and it's October break here so today we have playgroup today and a group is coming in today's to help out with the older kids so we can keep the toddlers routines

    Might watch a movie later on during the day so at least today is planned out

    Hubby off college all week as well so I'm hoping to get him to finally paper my cupboard in the kitchen as me and Kk stripped it months ago would be lovely to see it all finished we shall see not that anyone sees inside the cupboard as it's where the bins are stored but it would be a no spend a space we have everything needed

    Hope you all have a lovely Monday
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • abba1772
    • By abba1772 17th Oct 18, 7:48 AM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    Morning

    How are we all......are we surviving the October break

    Had the day off yesterday we for a house viewing with the mil then we took the boys for a walk in the woods where there is a fairy trail Kk loved it

    Had to nip to Tesco as I had to buy a birthday card for my nephew who is 6 today but that was all I spent yesterday

    Had to go for a nap as I had a nasty migraine which is still lurking now in the background now taken some painkillers with my breakfast

    Sent 10 towards the Halifax this morning

    Only got two mindees today working 7.15am til 5.30pm so we are going to the cinema today for the kids club to see incredible to as it's only 2.50 a ticket so 15 for 6 of us as all my kids are coming as well so it isn't too shabby will nip to Asda for some snacks and drinks

    Managed to get most of my avon deliervies done last night.........got four to do tonight hoping to get the invoice paid tomorrow we shall see

    Happy hump day
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • jwil
    • By jwil 17th Oct 18, 10:24 AM
    • 9,097 Posts
    • 28,772 Thanks
    jwil
    Hope the headache clears.

    You've paid off so much, well done

    Is it half term up there? We've still go 2 weeks to go, it's really late this year.
    "If you can dream it, you can do it". Walt Disney
    • abba1772
    • By abba1772 17th Oct 18, 9:17 PM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    Yes it's half term up here already

    Kids enjoyed the cinema spent just under 25 today so not too bad considering there was 6 of us plus I needed bread and cold meat for sandwiches for lunch xx

    Managed to get rid of 5 more avon orders and I have enough to my invoice tomorrow not bad considering it was 4 days late......my customers are great

    Also gained another 2 customers as well from a post I shared on fb
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • jwil
    • By jwil 18th Oct 18, 1:17 PM
    • 9,097 Posts
    • 28,772 Thanks
    jwil
    Great news about the new customers!
    "If you can dream it, you can do it". Walt Disney
    • abba1772
    • By abba1772 18th Oct 18, 2:02 PM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    Great news about the new customers!
    Originally posted by jwil
    I need to start ordering 70 books now as 50 books don't cover my two rounds can't complain though

    Sent 5.18 towards the Halifax.......due to get paid off the college tomorrow which will be flung towards the Halifax need to find some extra pennies to bring it under the 500 mark tomorrrow

    Only got four more avon customers to pay three tomorrow and 1 on Monday all pennies are mine now

    Got over 50 in bank allocated for avon but waiting til I get paid off the ones tomorrow before flinging the money onto the card you never know know I might even get this card under the 400 mark tomorrow that would be fab

    Might be adding to it though as pink has just announced her tour dates and I'm wanting to go so might be adding 150 for three tickets but I'll get this paid off no problem I promise

    Off out after my mindee has woken up as I need to go to b&m for a bucket and I also need to get toilet paper, flash and toothpaste whilst I'm out xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • Mummy_bear
    • By Mummy_bear 18th Oct 18, 2:08 PM
    • 399 Posts
    • 1,298 Thanks
    Mummy_bear

    Might be adding to it though as pink has just announced her tour dates and I'm wanting to go so might be adding 150 for three tickets but I'll get this paid off no problem I promise
    The way you've tackled your debt this year means you're more than justified to get a little treat like this. Like you said you'll pay it all back again x
    Last edited by Mummy_bear; 18-10-2018 at 2:16 PM.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    10025.66/37139.86 26.99% paid
    • abba1772
    • By abba1772 18th Oct 18, 2:19 PM
    • 5,293 Posts
    • 19,039 Thanks
    abba1772
    The way you've tackled your debt this year means you're more than justified to get a little treat like this. Like you said you'll pay it all back again x
    Originally posted by Mummy_bear
    See that was my way of thinking ............was going to treat the house to something but I think I deserve a wee treat xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 446.08
    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 11427.03
    • doingitanyway
    • By doingitanyway 18th Oct 18, 7:11 PM
    • 3,430 Posts
    • 18,793 Thanks
    doingitanyway
    I vote treat
    Emergency fund 700/1000
    If not now then when?
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