Need to get myself together: The beginning

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  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Morning. Just got £2.50 amazon voucher from a survey making it £23 and went online and saw a gift I was just saving for my boy went down from £40 to £23.99 so I coughed up and splurged 99p towards it. He has been asking this for ages :)! Big birthday gift sorted and from months getting things in sales my sons birthday and Xmas is finished by July :D!! Just will get sale items for other family/friends now. Oh and save £65 for his party and get his party decorations through surveys :) party bag items I got from Tesco all party bag toys down to 21p so I got 4 big bags :).

    Anyway, 7 days until payday. I have spoken to my mum and her and my sister might be joining us to Florida. The main reason is my son is very close to them and he will miss them terribly when away... And she said she would pay for our holiday!!! I will wait until she does so technically my theme park tickets are paid for and now I am saving spending money :)! Will see how it is by Xmas and add some extra to debt xx
    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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    Aww that's so nice of your mum to pay for your holiday 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
  • moneyonmymindsam
    moneyonmymindsam Posts: 2,243 Forumite
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    Doing amazing Monz ! Keep it up and that debt will be gone before you know it xxx


    Sam - Only 6 more days til pay day :rotfl:
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Thanks! She was like I only want to book 10 days but I talked her around :P Its official she is coming and will pay for it amazing!! :) Going to buy her swim with dolphins as thats been her dream it is £300 but considering she is paying £2,000 holiday for me and Connor I think its ok lol!... Plus will surprise her for her birthday with it :D

    6 days until payday :) quiet weekend. hope you all have a good one.
    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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    Who are you booking through as I find looking into Florida holidays and the cost horrifying lol 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 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Thomsons is best. I know a woman who works with call direct but my mum would rather do it with Thompsons xx
    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
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
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    That's awesome about your mam paying for your hols and joining you :)

    My plan when debt free is a 3 week holiday to Florida :) I can't wait (kids should be 10 + 7 when we go) as soon as I have made the last debt payment I will be booking it lol xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    What a weekend and I do not mean by good. I apologise now this will likely be a long post.

    I found out my ex ( who cheated on me n left me with this debt) is going to be a dad in the next few weeks. It has hit me like a ton of bricks and struggling to cope.

    My friend decided to cheer me up n got me vodka and cpl of the boys came round including the guy i had been seeing this year but we had ended but remained friends. Things were going great and he asked if i wanted to start things again and i was happy. When everyone left we went to sleep and my door went .. it was my dad. He saw i was drunk (even though I am 31) and kicked off. I didnt have my son and he threatened he was taking custody of him and everything. I was a mess and Sean ended right there n then with me saying i was a mess with so many issues. So from what went from me getting things back together .... over in minutes.

    I saw my mum and dad later and he apologised saying he shouldnt have done it or said those things but its too late. I dont know what to do but nothing I can do now I guess. My dad is under a lot of street the now as my grandad is dying so I cannot be too hard on him.

    Anyway sorry for long post 3 days until payday.

    Hope you all hada better weekend xx
    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: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Aw monz sorry to hear you had such a crap weekend.

    3 days to payday for me too :)
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).
  • moneyonmymindsam
    moneyonmymindsam Posts: 2,243 Forumite
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    Two days til pay day ... P.s you're not a mess - you are a fab mum - anyone can tell that .


    Sometimes sweet things get worse before they can get better .


    The right one will find you and until then don't stress it .
    Sam xx
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
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