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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 10:38 PM
    • 5,935Posts
    • 23,571Thanks
    abba1772
    Abba1772's Debt Free Diary
    • #1
    • 26th Oct 10, 10:38 PM
    Abba1772's Debt Free Diary 26th Oct 10 at 10:38 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 229
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Apr 19, 8:13 PM
    • 8,923 Posts
    • 69,571 Thanks
    HairyHandofDartmoor
    That sounds horrible Abba. Is there nothing the doctors can do other than pain relief drugs? I hope the private treatment helps.
    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 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £50
    • abba1772
    • By abba1772 10th Apr 19, 10:07 PM
    • 5,935 Posts
    • 23,571 Thanks
    abba1772
    That sounds horrible Abba. Is there nothing the doctors can do other than pain relief drugs? I hope the private treatment helps.
    Originally posted by HairyHandofDartmoor

    They just said if these tablets don't work I've to let them know and he would prescribed stronger tablets.............so fingers crossed the physio works tomorrow xx
    NEXT TARGET BARCLAYCARD WAS Jan 19 £4299 NOW £0
    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 £6479.39
    • jwil
    • By jwil 11th Apr 19, 7:23 AM
    • 10,284 Posts
    • 35,738 Thanks
    jwil
    Hope it improves soon x
    "If you can dream it, you can do it". Walt Disney
    • abba1772
    • By abba1772 11th Apr 19, 8:57 AM
    • 5,935 Posts
    • 23,571 Thanks
    abba1772
    Morning

    Had a bit of a lie in as don't start work til 11am today just had my toast and I've done my daily round down to the savings account

    Sent £20 towards the savings brings my total to £474.81 / £1248

    Today's plan are wait for mindee get lunch dig the buggy out and walk up to the doctors to collect xanders prescription and pick up my curtains that were being altered as they were too long considering I have quite high ceilings is saying something

    I have a Avon delivery......a new customer I could never catch but she phoned me yesterday to apologise and that needs to be there for 5pm

    I also hopefully have a buyer from fb coming to collect kks pile of outgrown clothes.......should get £22 for that which will be getting put straight into the savings account

    Surveys are slow in all websites for me students must be sunning themselves

    Physio at 8,30pm tonight hoping he can give me some exercises to ease the pain and fix me

    Also got my brother paying me a visit tonight with the baby need to remember to give them his new blanket and hubby bought him a new teddy bear bless him.......told him no not a chance

    Right off to traumatise my daughter by getting her to hook my bra up for me as I can't put my hands behind my back good job she has a sense of humour and I'll tackle the living room and dining room before my wee mindee comes xx
    NEXT TARGET BARCLAYCARD WAS Jan 19 £4299 NOW £0
    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 £6479.39
    • kindofagilr
    • By kindofagilr 11th Apr 19, 9:20 AM
    • 6,662 Posts
    • 22,517 Thanks
    kindofagilr

    Shoulder still killing, trying to get a doctors appointment is like pulling teeth you now need to log in on their online system, chat with a bot who then passes your details to a doctor and then they will phone you and arrange an appointment ffs so I'm not waiting in for them to phone we are off out as soon as the boys are finished their breakfast
    Originally posted by abba1772
    I feel your pain, I have shin splints (self diagnosed) and it's so painful and annoying
    I hope your shoulder feels better soon xx
    Current Debt £39,978.00/£44,856.56 ~ 04/04/19 - 10.87% Paid Off

    POAMAYC 2019 #87 £4802.01
    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)
    £82,026.11/£104,409.00 (as of 31/03/19) ~ 21.43% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £400/£2000 ~ Centre Parcs 19 Savings: £375/£500
    Emergency Savings: £50


    My Debt Free Diary (Link)
    • abba1772
    • By abba1772 12th Apr 19, 7:04 AM
    • 5,935 Posts
    • 23,571 Thanks
    abba1772
    Went to physio last night he confirmed I've trapped a nerve he manipulated a few tendons and ligaments.......that was an experience in inself

    He's gave me a few exercises to do and told me if I continue with tha anti inflammatory and exercises hopefully the nerves will de swell and everything should go back to normal he says hopefully we've caught it in time before it developed into a frozen shoulder so fingers crossed it start to heal xx

    Working 7.30am til 3pm mindee having his breakfast and watching paw patrol I've just finished my toast

    College paid me sent £226.94 towards the savings I have £701.75 / £1248 well past the halfway point

    Will phone the finance company after the 19th to confirm the settlement figure as that's when the direct debit comes out and hopefully my caluculations are right as it was a 0% finance deal

    Plans for today are setting up playgroup thankfully my boys are coming with me so they can help me out

    Sold kks pile of clothes made £22 sent I to straight over to the savings and I have another person coming for a small pile of xanders clothes for £5 so far I've made £31 from their clothes and I've still got a large pile of xanders for sale and I need to put two small piles of kks on gumtree but I'm clearing space under the bed woo hoo

    Avon run tonight to collect in any orders will text them all whilst I'm at playgroup to give them plenty of notice I'm coming

    Right off to put a washing out on the line whilst wee one collected all the balls in the garden.......have a lovely Friday xx
    NEXT TARGET BARCLAYCARD WAS Jan 19 £4299 NOW £0
    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 £6479.39
    • beanielou
    • By beanielou 12th Apr 19, 1:13 PM
    • 62,688 Posts
    • 272,187 Thanks
    beanielou
    Hope your shoulder settles.
    You are doing so well 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.***
    • Sun Addict
    • By Sun Addict 12th Apr 19, 8:50 PM
    • 7,037 Posts
    • 51,077 Thanks
    Sun Addict
    Boo to the shoulder, hope it gets better soon xx

    I wish you lived near me with the Avon book, I miss my Avon, especially the Skin so Soft bath oil.
    Virtual Sealed Pot 2019 £201.59
    Weight loss 7.5/9LBS
    Emergency Fund £3260/£10,000
    • abba1772
    • By abba1772 15th Apr 19, 6:59 AM
    • 5,935 Posts
    • 23,571 Thanks
    abba1772
    Morning

    Shoulder is doing much better thank goodness it's still weak and can't put it up my back but it's improving baby steps

    Did our avon collection managed to collect £350 in orders hopefully we will double to amount on the next collection xx

    I've got £709.96 / £1248 in the savings so far

    Working 7am til 6pm unfortunately I've lost a wee mindee as mum isn't going back to college as she's just found out she's pregnant again and she's struggling a bit so she's taking a year otvand then she's going back to college so next year I get the wee mindees sibling and I might have filled my Monday Tuesday Soave that this leaves open so it's all good as I don't rely on the college money

    Right off to get kks uniform sorted as it's back to school for four days then they are off for the long weekend........alright for some

    Have a lovely Monday peeps xx
    NEXT TARGET BARCLAYCARD WAS Jan 19 £4299 NOW £0
    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 £6479.39
    • WannabeFree
    • By WannabeFree 15th Apr 19, 7:47 AM
    • 3,512 Posts
    • 32,897 Thanks
    WannabeFree
    Glad your shoulders feeling a bit better - don't do too much!

    Have a lovely day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
    • kindofagilr
    • By kindofagilr 15th Apr 19, 12:39 PM
    • 6,662 Posts
    • 22,517 Thanks
    kindofagilr
    Good news about getting the mindee's sibling and filling the space xx
    Current Debt £39,978.00/£44,856.56 ~ 04/04/19 - 10.87% Paid Off

    POAMAYC 2019 #87 £4802.01
    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)
    £82,026.11/£104,409.00 (as of 31/03/19) ~ 21.43% Paid Off

    Christmas Savings 18: Totalled £750/Christmas Savings 19: £0
    Cyprus 19 Savings: £400/£2000 ~ Centre Parcs 19 Savings: £375/£500
    Emergency Savings: £50


    My Debt Free Diary (Link)
    • abba1772
    • By abba1772 16th Apr 19, 7:25 AM
    • 5,935 Posts
    • 23,571 Thanks
    abba1772
    morning

    transferred £5 towards the savings i have £714.96 / £1248 and I contacted the finance people to double check that there were no penalty fees to closing the agreement early and they confirmed there are none

    I've lost my notebook where i log all my payments bit geeky i know but i need to find it.........like looking back and seeing how much I've cleared in a year

    was a productive day yesterday got all my washing baskets emptied and dried ironed and put away so I'm up to date with the washing

    also stripped one of my buggy's yesterday and bleached it just because its spent the winder in the garage so needed to freshen it up.....just need to put it together again that will be a task for this afternoon

    we are off to toddlers in the town so as its just me and one mindee we are off to subway for the lunch shes all chuffed we are eating out

    right off to get KK ready for school xx
    NEXT TARGET BARCLAYCARD WAS Jan 19 £4299 NOW £0
    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 £6479.39
    • jwil
    • By jwil 16th Apr 19, 8:38 AM
    • 10,284 Posts
    • 35,738 Thanks
    jwil
    Glad your shoulder is improving. Hope you find your notebook soon!
    "If you can dream it, you can do it". Walt Disney
    • beanielou
    • By beanielou 16th Apr 19, 1:47 PM
    • 62,688 Posts
    • 272,187 Thanks
    beanielou
    Hope you find your notebook soon
    Great totals
    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.***
    • Homegrown0
    • By Homegrown0 16th Apr 19, 2:49 PM
    • 866 Posts
    • 4,691 Thanks
    Homegrown0
    Do you think you'll manage to reach your target before the end of the month Abba? You're rocking it so far and you still have a couple of weeks to go! Got my fingers crossed for you
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
    • abba1772
    • By abba1772 16th Apr 19, 3:49 PM
    • 5,935 Posts
    • 23,571 Thanks
    abba1772
    Yeah I'm hoping to hit it for the end of the month for sure

    Then it's all holiday related stuff as need to book our seats together which is £180 and then its money for holiday clothes and then spending money

    Don't go on holiday until 30th June tho so plenty of time xx
    NEXT TARGET BARCLAYCARD WAS Jan 19 £4299 NOW £0
    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 £6479.39
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Apr 19, 9:02 PM
    • 8,923 Posts
    • 69,571 Thanks
    HairyHandofDartmoor
    I'm glad your shoulder is starting to feel better, the physio must have helped .
    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 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £50
    • abba1772
    • By abba1772 17th Apr 19, 7:41 AM
    • 5,935 Posts
    • 23,571 Thanks
    abba1772
    I'm glad your shoulder is starting to feel better, the physio must have helped .
    Originally posted by HairyHandofDartmoor
    I think I spoke too soon about the shoulder woke up on my back last night went to move and felt something ping pain started running down arm again.........this is going to take a long time to heal I reckon but got a cold compress on it just now which is reliveing the pain.

    Might be able to clear the finance today hubby got a wee windfall so he's gave me it for holiday but I'm tempted to fling it at the finance so I can start prepping for our holiday will need to rejig the figures and what pennies I have and see what I can do......it would be amazing

    Also need to phone tax credits and inform them of hubby's wages now we are in a new financial year as don't want to be paid the wrong amount dues the new financial year but I need to get my accounts in order.......I'm nearly done with them thank goodness just need to put through some more receipts and we are sorted so that's my plans for today

    Working 10am til 6pm today so not too bad I guess hoping shoulder eases up and it's really starting to annoy me xx
    NEXT TARGET BARCLAYCARD WAS Jan 19 £4299 NOW £0
    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 £6479.39
    • Homegrown0
    • By Homegrown0 17th Apr 19, 8:32 AM
    • 866 Posts
    • 4,691 Thanks
    Homegrown0
    Oh wow! Clearing the finance today would be AMAZING! Three weeks to clear one whole chunk of debt? Wowza!

    Hope the shoulder eases up. I've got back problems and I always find I'm lulled into a false sense of security with it. Just as I'm thinking 'wow, my back hasn't bothered me in a couple of days', it comes back with a vengeance. It's like it saves up the aches to unleash all at once!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
    • abba1772
    • By abba1772 17th Apr 19, 10:42 AM
    • 5,935 Posts
    • 23,571 Thanks
    abba1772
    Oh wow! Clearing the finance today would be AMAZING! Three weeks to clear one whole chunk of debt? Wowza!

    Hope the shoulder eases up. I've got back problems and I always find I'm lulled into a false sense of security with it. Just as I'm thinking 'wow, my back hasn't bothered me in a couple of days', it comes back with a vengeance. It's like it saves up the aches to unleash all at once!
    Originally posted by Homegrown0
    I think that's what happened here I've been getting better so thought I could do more but nope my shoulder is mocking me

    Still not done the figures yet will do that after the nursery run.........if I clear this that's saving me £50 a month not much but when you're halfway through the month and you forget it's coming out it kicks up your budget plus with the barclaycard cleared its saving me £100 a month so with both of these that's saving me £1800 a year
    NEXT TARGET BARCLAYCARD WAS Jan 19 £4299 NOW £0
    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 £6479.39
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