Need to get myself together: The beginning

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  • abba1772
    abba1772 Posts: 7,746
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    You're not the only one who's ever been caught out but you're doing great keep it up xx

    I love seeing my totals going down in my signature too xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    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 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Woo its payday!!! Updated signature and my spreadsheet haha purplefan :)!!

    I am worried I set up my RBS loan adding it to my payee and paid into it the extra £26.46 this month and hasnt been added yet. Shall I wait a day maybe?

    I cannot pay next until 28 September thats the pay day but everything else has been updated :D

    Thanks Abba :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Forumite
    Update the £26.46 paid into loan has came off. I feel as if I have took a huge step... and its only that haha :)
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • Woo well done you!

    I love it when the figures go down, Roll on Wednesday for me!

    Dxxx
  • Well done :T:T:T
    It's such a lovely feeling to pay something off, roll on the next debt reduction repayment x
    Grocery Challenge £2400/Spent £90.73
    £2024 in 2024 - £605.27
    DF 30/11/22
    Retired 31/12/23
  • monz
    monz Posts: 4,129
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Forumite
    Today my monthly payment of £98.54 into my loan so new update of signature and paid £45.95 off on my Next account woo so 180 still to pay but getting there :)

    how is everyone doing...


    confession time i went a little spend happy over long weekend and treated my boy to Edinburgh yesterday :( couldnt resist x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Forumite
    Set myself a mini target to have m loan down to 4,500 by Christmas :)....

    Heres hoping :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • misstara
    misstara Posts: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Hi monz, don't beat yourself up over your spendy weekend - we all need a treat and edinburgh is fab :)

    Well done on your payments so far and good luck with your mini target.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
  • abba1772
    abba1772 Posts: 7,746
    First Anniversary Name Dropper First Post Car Insurance Carver!
    Forumite
    I agree you still need to treat yourself if you don't the debt payment journey gets very boring and tedious and you might start to resent it xx

    I booked a holiday to turkey for next year lol oops xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    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 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Forumite
    Thanks Miss Tara :)

    Thanks Abba! Nice on Turkey!! I have to be strict now though as 4 weeks tomorrow until next payday boo plus I have a cheeky night out on 11 October haha :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
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