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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 11:38 PM
    • 5,540Posts
    • 21,195Thanks
    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 201
    • abba1772
    • By abba1772 5th Nov 18, 2:04 PM
    • 5,540 Posts
    • 21,195 Thanks
    abba1772
    Don't feel it at the moment as I'm skinto lol xx
    NEXT TARGET BARCLAYCARD WAS Jan 18 4299 NOW 4092.15
    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 13039.59
    POAMAYC 2019 475.29
    • abba1772
    • By abba1772 6th Nov 18, 8:53 PM
    • 5,540 Posts
    • 21,195 Thanks
    abba1772
    Evening

    I've only just stopped been on the go since 7am

    Started work at 8.30am so managed to get a washing on the radiators and another washing in the machine

    Went into town 4.20 and nipped to farmfoods before toddlers and bought battered fish, a couple of microwave meals for me for lunch, milk and chips think it was 8 in there

    Took the girls to playgroup 2 then back for lunch before the nursery drop offs. Picked up my afternoon mindee and we came back to mine and she helped me sort out some of the avon.........had 15 boxes to organise finally finished them an hour ago and managed to get rid of four already.......thank goodness for impatient customers

    Have hoovered and tidied the living room and have parked my a s s until I need to go get Abbie from cadets and I need to drop off a avon on the way there as they've already paid and they go on holiday tomorrow xx

    Been so busy I haven't even managed to get my daily round down in

    My back is aching been on the floor sorting out that avon delivery my room is covered in avon orders
    NEXT TARGET BARCLAYCARD WAS Jan 18 4299 NOW 4092.15
    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 13039.59
    POAMAYC 2019 475.29
    • beanielou
    • By beanielou 6th Nov 18, 9:18 PM
    • 60,290 Posts
    • 253,891 Thanks
    beanielou
    All in a good cause
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Nov 18, 10:29 PM
    • 7,255 Posts
    • 53,846 Thanks
    HairyHandofDartmoor
    All that hard work will bring money in Abba .
    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.
    EMERGENCY FUND = 0
    "Tough times never last, but tough people do" - Robert H Schuller
    • abba1772
    • By abba1772 7th Nov 18, 7:40 AM
    • 5,540 Posts
    • 21,195 Thanks
    abba1772
    Woo hoo

    Xmas savings are now sitting at 305.51 / 750
    NEXT TARGET BARCLAYCARD WAS Jan 18 4299 NOW 4092.15
    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 13039.59
    POAMAYC 2019 475.29
    • jwil
    • By jwil 8th Nov 18, 4:07 PM
    • 9,685 Posts
    • 32,373 Thanks
    jwil
    Abba, that's amazing, well done
    "If you can dream it, you can do it". Walt Disney
    • abba1772
    • By abba1772 9th Nov 18, 3:55 PM
    • 5,540 Posts
    • 21,195 Thanks
    abba1772
    Evening

    Thought I would jump on seeing as it's quiet kids are either drawing or playing the Xbox.......it's Friday thank goodness

    Only added 60p to my Xmas savings a bit pathetic tbh but I'm still on target to getting my 750 for Xmas for Black Friday weekend

    All of my parcels from very arrived woo hoo need to find a place to hide them til Xmas also managed to get Abbie her Xmas eve jammies, Harry Potter ones from b&m only 9.99 only need to get Xander some new pyjamas and I'm sorted for Xmas eve night time

    A nsd today and yesterday

    We have a massive avon delivery tonight most of it should go think I have about 4 that are for Monday / Tuesday so that's ok hoping to pay the invoice tomorrow so I can place a order to get the stuff that didn't come last delivery backseat it was out of stock

    Been non stop today started work a thing 7.30am wee mindee woke the whole house up with his screaming, mum doesn't help tho as she panders to him a shame soon as I told him no he stopped his nonsense.......I'm strict but fair

    Set up playgroup 16 kids attended but it was so noisy, managed to get rid of two avons this morning then it was home for lunch and the off to do the nursery run and we managed to deliver 11 avon books on the way there for the customers who didn't order anything last campaign

    Then it was off to do the school run, managed to deliver another 5 books on the way to the school I need 1100 in orders this book to hit silver ..........it's a large task I know but I've set up a competition on fb to win a singing reindeer so hopefully it'll get people interested.....you know I love a target

    Hoping to have 500 in the saving account for next Friday

    Spice girls tickets go on sale tomorrow why are they all releasing tickets before Xmas I wanna go that's my childhood right there so I'm going to chance it and see if I Can get the cheap seats ........my friend says she's avoiding me til I get them as she saw how peed off I was getting trying to get still game tickets
    NEXT TARGET BARCLAYCARD WAS Jan 18 4299 NOW 4092.15
    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 13039.59
    POAMAYC 2019 475.29
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Nov 18, 5:19 PM
    • 7,255 Posts
    • 53,846 Thanks
    HairyHandofDartmoor
    Good luck with getting the Spice Girls tickets Abba.
    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.
    EMERGENCY FUND = 0
    "Tough times never last, but tough people do" - Robert H Schuller
    • doingitanyway
    • By doingitanyway 9th Nov 18, 5:35 PM
    • 3,967 Posts
    • 22,698 Thanks
    doingitanyway
    Aww the Spice Girls! Fab
    • beanielou
    • By beanielou 9th Nov 18, 8:59 PM
    • 60,290 Posts
    • 253,891 Thanks
    beanielou
    A lot of people give tickets for Christmas
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • jwil
    • By jwil 10th Nov 18, 9:13 AM
    • 9,685 Posts
    • 32,373 Thanks
    jwil
    Good luck getting the tickets x
    "If you can dream it, you can do it". Walt Disney
    • beanielou
    • By beanielou 10th Nov 18, 1:01 PM
    • 60,290 Posts
    • 253,891 Thanks
    beanielou
    Hope you got the tickets
    Enjoy your weekend xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • abba1772
    • By abba1772 10th Nov 18, 9:01 PM
    • 5,540 Posts
    • 21,195 Thanks
    abba1772
    I got my spice girl tickets
    NEXT TARGET BARCLAYCARD WAS Jan 18 4299 NOW 4092.15
    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 13039.59
    POAMAYC 2019 475.29
    • jwil
    • By jwil 12th Nov 18, 9:35 AM
    • 9,685 Posts
    • 32,373 Thanks
    jwil
    Well done
    "If you can dream it, you can do it". Walt Disney
    • kindofagilr
    • By kindofagilr 12th Nov 18, 1:14 PM
    • 6,422 Posts
    • 21,533 Thanks
    kindofagilr
    yay well done on getting your tickets xx
    Current Debt 42,057.00/44,856.56 ~ 02/01/19 - 6.24% Paid

    POAMAYC 2019 #87 1950.34
    POAMAYC 2018 #87 13,912.57

    POAMAYC 2017 #87 10,380.18
    POAMAYC 2016 #87 7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    82,799.33/104,409.00 (as of 31/12/18) ~ 20.69% Paid

    Christmas Savings 18: Totalled 750/Christmas Savings 19: 20
    Cyprus 19 Savings: 0/2000 ~ Centre Parcs 19 Savings: 0/500
    Emergency Fund: 50

    My Debt Free Diary (Link)
    • abba1772
    • By abba1772 14th Nov 18, 2:33 PM
    • 5,540 Posts
    • 21,195 Thanks
    abba1772
    Hi guys

    Sorry I've not been on I'm loaded with the cold but no rest for the wicked with long shifts and Avon deliveries

    Tonight is no exception I have xanders parents night to night hoping to just get home about 7.30pm get in my jammies and go to bed fingers crossed I can make this happen

    Chrsistmas savings are still going up so far I have 665.76 / 950

    Getting there should be over the 800 mark by the weekend
    NEXT TARGET BARCLAYCARD WAS Jan 18 4299 NOW 4092.15
    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 13039.59
    POAMAYC 2019 475.29
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Nov 18, 6:57 PM
    • 7,255 Posts
    • 53,846 Thanks
    HairyHandofDartmoor
    I hope your cold gets better soon, I'm just getting over one. Parents evening is the pits when you're tired and unwell, but I hope the teachers have good things to say.
    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.
    EMERGENCY FUND = 0
    "Tough times never last, but tough people do" - Robert H Schuller
    • abba1772
    • By abba1772 14th Nov 18, 7:54 PM
    • 5,540 Posts
    • 21,195 Thanks
    abba1772
    I hope your cold gets better soon, I'm just getting over one. Parents evening is the pits when you're tired and unwell, but I hope the teachers have good things to say.
    Originally posted by HairyHandofDartmoor
    His parents night went fab he's a clever cookie.......he obviously gets it from me

    Waiting on hubby cooking my dinner I've got him trained well
    NEXT TARGET BARCLAYCARD WAS Jan 18 4299 NOW 4092.15
    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 13039.59
    POAMAYC 2019 475.29
    • beanielou
    • By beanielou 14th Nov 18, 8:30 PM
    • 60,290 Posts
    • 253,891 Thanks
    beanielou
    You know Abba your totals never cease to totally amaze me
    When you going to Livingston?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • abba1772
    • By abba1772 14th Nov 18, 9:49 PM
    • 5,540 Posts
    • 21,195 Thanks
    abba1772
    You know Abba your totals never cease to totally amaze me
    When you going to Livingston?
    Originally posted by beanielou
    Next weekend beanielou got a kid free weekend then

    I've just been uber tight with the money this month and flinging everything into the savings anything left over will be out towards the very account as I want it cleared before Xmas ........that and the Argos card
    NEXT TARGET BARCLAYCARD WAS Jan 18 4299 NOW 4092.15
    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 13039.59
    POAMAYC 2019 475.29
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