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  • FIRST POST
    • abba1772
    • By abba1772 26th Oct 10, 10:38 PM
    • 6,326Posts
    • 25,579Thanks
    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 236
    • beanielou
    • By beanielou 12th Jun 19, 9:19 PM
    • 67,099 Posts
    • 303,880 Thanks
    beanielou
    I wish I had your energy Abba, or even half of your energy!
    Originally posted by HairyHandofDartmoor
    Or even a quarter!!
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • kindofagilr
    • By kindofagilr 13th Jun 19, 11:02 AM
    • 6,721 Posts
    • 22,815 Thanks
    kindofagilr
    Well done on the weight loss I too wish I had your energy lol xx
    Current Debt 38,709.88/44,856.56 ~ 13/06/19 - 13.70% Paid Off

    POAMAYC 2019 #87 6582.44
    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)
    81,513.70/104,409.00 (as of 31/05/19) ~ 21.92% Paid Off

    Christmas Savings 19: 0
    Cyprus 19 Savings: 1200/2000 ~ Centre Parcs 20 Savings: 0/1000 Centre Parcs 20 Christmas: 0/1000
    Emergency Savings: 100



    My Debt Free Diary (Link)
    • abba1772
    • By abba1772 14th Jun 19, 7:03 AM
    • 6,326 Posts
    • 25,579 Thanks
    abba1772
    morning

    Today will be hectic today, I'm working 7am til 6pm today thank goodness its Friday, kids are having their brekkie

    I've playgroup today with my three mindees so it'll cost me 3 and seeing as its Friday i normally treat the kids to a roll from the bakers so probably spend about 6 there

    need to pop into the post office and pick up a form for abbie's provisional licence so will do that after i've done the nursery drop off and I'll pop into my wee grans to see how shes doing whilst my wee mindee is sleeping in the pram as he normally conks out on the way to the nursery

    I need to photocopy the community centre let forms and put them in everyone's dockets, can do this whilst I'm at playgroup this morning, plus I need to message all my Avon customers to say we are collecting the avon books tonight as order goes away tonight already got over 100 in orders and haven't left the house for a collection got about 80 books to collect tonight

    As long as I get 400 in orders it'll cover the taxi to and from the airport in 2 weeks time anything else will be a bonus

    Abbie has her friends funeral today but shes away to Ireland for the weekend after with her BF as he has a piping competition so it'll be a good distraction for her she'll be back on Fathers Day so that's not too bad

    right off to get ready for school run

    Hope everyone has a fab day xx
    NEXT TARGET BARCLAYCARD WAS 04.09.19 4299.29 NOW 1378.63
    POAMAYC 2011 6378.35 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 11583.68
    • monz
    • By monz 14th Jun 19, 8:48 AM
    • 3,736 Posts
    • 12,853 Thanks
    monz
    Hope Abbie is ok today <3
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016) mum and dad 4,000/4,000
    car PCP - 2,869.83/11,848.25 mortgage - 79,150 o/s currently - paid 7,004.33 (239.30 overpayment)
    Fence fund - 1,200/1,200 holiday 2020 - 200/2000
    • jwil
    • By jwil 15th Jun 19, 7:19 AM
    • 11,094 Posts
    • 40,594 Thanks
    jwil
    Well done on clearing the holiday Hope abbie is ok and she enjoys her weekend x
    "If you can dream it, you can do it". Walt Disney
    • abba1772
    • By abba1772 16th Jun 19, 1:14 PM
    • 6,326 Posts
    • 25,579 Thanks
    abba1772
    Put on 2lbs not impressed as was good during the week

    Will get it off next week as that's it no crisps biscuits or chocolate for next two weeks

    Spent a fortune at Livingston oh well we've all got what we need bags get packed after I've done our last avon delivery which will be from the 21st as that's when deliveries are no doubt they'll be stragglers

    Managed to get a order submitted of 812 means just over 200 in commission means I don't have to find money for our taxi : phew
    NEXT TARGET BARCLAYCARD WAS 04.09.19 4299.29 NOW 1378.63
    POAMAYC 2011 6378.35 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 11583.68
    • beanielou
    • By beanielou 16th Jun 19, 1:54 PM
    • 67,099 Posts
    • 303,880 Thanks
    beanielou
    Great going on the orders.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • Sun Addict
    • By Sun Addict 16th Jun 19, 2:42 PM
    • 7,648 Posts
    • 56,983 Thanks
    Sun Addict
    Gosh you do well with the Avon commission Hope Abbie is ok after the funeral and is able to enjoy her weekend away. Not long until your holiday now, bet you're counting down the days
    Virtual Sealed Pot 2019 514.51
    Emergency Fund 3300/10,000
    • abba1772
    • By abba1772 16th Jun 19, 8:06 PM
    • 6,326 Posts
    • 25,579 Thanks
    abba1772
    Gosh you do well with the Avon commission Hope Abbie is ok after the funeral and is able to enjoy her weekend away. Not long until your holiday now, bet you're counting down the days
    Originally posted by Sun Addict
    She was ok after the funeral such a braver girl so proud of her and she had a blast in Ireland xx
    NEXT TARGET BARCLAYCARD WAS 04.09.19 4299.29 NOW 1378.63
    POAMAYC 2011 6378.35 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 11583.68
    • kindofagilr
    • By kindofagilr 17th Jun 19, 12:30 PM
    • 6,721 Posts
    • 22,815 Thanks
    kindofagilr
    Well done on the avon

    Grr to the gain it's so annoying when it's not deserved xx
    Current Debt 38,709.88/44,856.56 ~ 13/06/19 - 13.70% Paid Off

    POAMAYC 2019 #87 6582.44
    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)
    81,513.70/104,409.00 (as of 31/05/19) ~ 21.92% Paid Off

    Christmas Savings 19: 0
    Cyprus 19 Savings: 1200/2000 ~ Centre Parcs 20 Savings: 0/1000 Centre Parcs 20 Christmas: 0/1000
    Emergency Savings: 100



    My Debt Free Diary (Link)
    • abba1772
    • By abba1772 19th Jun 19, 8:45 PM
    • 6,326 Posts
    • 25,579 Thanks
    abba1772
    Is it bed time yet ??????

    I'm so tired surviving on four hours sleep after abbie was rushed to hospital twice last night some scary business that was but she's ok thank goodness still has ongoing stomach issues ended up roaring at a doctor on the phone who wanted to take her off medication which should be protecting her stomach lining but she's still being sick and has lost 16lb in 6 weeks lucky moo but I told the doctor he had to give her something to stop her being sick otherwise he'll be admitting her to hospital as she's rapidly losing weight, thankfully he took my concerns seriously and gave her anti sickness and got her a ultrasound on her stomach today just need to wait for result but she never got in til 1am with hubby then poor hubby got up at 5am then Kk climbed in my bed at 5.50pm he's a blooming fidget alarm went off at 7am .......been yawning my head off all day

    Started work at 9am, met my other mindee at 9.15am walked to bakers to get pancakes 2.50 and a bottle of juice before heading back to the school to attend my other mindees graduation ceremony so proud of her can't believe she starts school in August I've had her since she was a baby and it's been a pleasure to see her grow up........don't worry I'm not losing her I'm still getting her before and after school along with her brother

    Came home fed the three kids their lunch as well as myself dropped girls off at nursery and because I was that tired decided to walk into the town to get some bit Spent 8 on a storage box, toothbrushes for holiday, sunscreen, juice for me, and toothpaste for holiday

    Also sent away abbies provisional licence how did this happen she turns 17 next month I'm not old enough to have a child that age so that's 43

    Picked the after schoolers up and they played out in the garden with the chalk and bubbles ......kids loved it

    Managed to send the college my proof of tax credits

    Kids all got picked up managed to fling my dinner down my neck before heading back out to attend a childminding meeting which ran on til 9pm

    Can't go to bed yet until Xander is home as he's helping out on a school show.......dying for my bed I better sleep tonight I'm telling you

    Oh managed over 20000 steps as was so desperate not to sit down in case I relaxed too much
    NEXT TARGET BARCLAYCARD WAS 04.09.19 4299.29 NOW 1378.63
    POAMAYC 2011 6378.35 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 11583.68
    • beanielou
    • By beanielou 19th Jun 19, 9:06 PM
    • 67,099 Posts
    • 303,880 Thanks
    beanielou
    Poor Abbie.
    Hope she is ok.
    Poor you too
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • AdventureWanted
    • By AdventureWanted 20th Jun 19, 5:33 AM
    • 1,285 Posts
    • 4,446 Thanks
    AdventureWanted
    Hope Abbie gets better soon and that you slept better last night.x
    • monz
    • By monz 20th Jun 19, 7:37 AM
    • 3,736 Posts
    • 12,853 Thanks
    monz
    sent you a mail but huge hugs for Abbie <3 xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016) mum and dad 4,000/4,000
    car PCP - 2,869.83/11,848.25 mortgage - 79,150 o/s currently - paid 7,004.33 (239.30 overpayment)
    Fence fund - 1,200/1,200 holiday 2020 - 200/2000
    • jwil
    • By jwil 20th Jun 19, 10:31 AM
    • 11,094 Posts
    • 40,594 Thanks
    jwil
    Hope Abbie's ok and you got some sleep x
    "If you can dream it, you can do it". Walt Disney
    • Sun Addict
    • By Sun Addict 20th Jun 19, 3:16 PM
    • 7,648 Posts
    • 56,983 Thanks
    Sun Addict
    Get well soon to Abbie. Hope you manage to get some rest.
    Virtual Sealed Pot 2019 514.51
    Emergency Fund 3300/10,000
    • kindofagilr
    • By kindofagilr 24th Jun 19, 12:11 PM
    • 6,721 Posts
    • 22,815 Thanks
    kindofagilr
    Massive hugs for Abbie (and you, cos that would be scary)

    We went through something similar with my brother, and he lost 4 stone in 2 months, it took some serious words off my mam for them to eventually take him/them seriously xx
    Current Debt 38,709.88/44,856.56 ~ 13/06/19 - 13.70% Paid Off

    POAMAYC 2019 #87 6582.44
    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)
    81,513.70/104,409.00 (as of 31/05/19) ~ 21.92% Paid Off

    Christmas Savings 19: 0
    Cyprus 19 Savings: 1200/2000 ~ Centre Parcs 20 Savings: 0/1000 Centre Parcs 20 Christmas: 0/1000
    Emergency Savings: 100



    My Debt Free Diary (Link)
    • abba1772
    • By abba1772 24th Jun 19, 3:37 PM
    • 6,326 Posts
    • 25,579 Thanks
    abba1772
    sorry I'm not on lately...........I'm rushed off my feet to the point of exhaustion ans there are a few things going on in the background that need my attention Abbie being one of them, don't worry its just the run up to the holiday where the world decided they want everything done now.

    I'll try and get on properly tomorrow xx
    NEXT TARGET BARCLAYCARD WAS 04.09.19 4299.29 NOW 1378.63
    POAMAYC 2011 6378.35 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 11583.68
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th Jun 19, 3:50 PM
    • 10,614 Posts
    • 84,628 Thanks
    HairyHandofDartmoor
    I hope Abbie's feeling better and that you're less busy soon Abba.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • beanielou
    • By beanielou 24th Jun 19, 4:55 PM
    • 67,099 Posts
    • 303,880 Thanks
    beanielou
    I hope Abbie's feeling better and that you're less busy soon Abba.
    Originally posted by HairyHandofDartmoor
    From me too
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
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