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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,833Posts
    • 8,351Thanks
    monz
    Need to get myself together: The beginning
    • #1
    • 16th Sep 14, 1:38 PM
    Need to get myself together: The beginning 16th Sep 14 at 1:38 PM
    Hi all

    I am back. Short story, I was in this position before though holding a baby in my arms and his dad left us with a loan I got for him (I naively believed there was people after him) and such a bad overdraft. I managed to scrape it back and pay it all off and was on a high (figuratively) of being debt free.

    Four years on I have been left (no baby this time) and foolishly beleived this guy was decent. No need to tell me off or should have known better, believe me I am my own worst enemy.

    So now my debts are :

    £1,000 overdraft (hope to clear by Christmas or least by January)
    £200 odds Next (Yeah this is me I cannot blame anyone but myself here) I want it cleared by Christmas at least
    £5,000 loan ( I am mad I know for having got it for him and he "says"will help with this but will not hold my breath as he is already asking for more money - probably for the girl he left me for...) I hope to pay this back in 2.5 years not the 5 year plan I was given.


    Anyway, I am determined and I will not fail

    Also need to put money aside for America in May 2015. (£125 a month) and also 52 week challenge. The reason I am going to America is its my 30th and my mum and dad are paying for this.

    The first post is longer than I thought it would be I am so sorry!!

    Hopefully I will be back on track soon xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
Page 106
    • misstara
    • By misstara 30th Aug 17, 3:11 PM
    • 2,456 Posts
    • 17,120 Thanks
    misstara
    Your parents sound a nightmare, definitely think it's a good idea to get some space from them.

    Doesn't matter if they have money, they still wouldn't get custody of your wee boy. You are an amazing mum, don't let them tell you different.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • Hiddenidenity
    • By Hiddenidenity 30th Aug 17, 6:23 PM
    • 4,230 Posts
    • 26,358 Thanks
    Hiddenidenity
    Money means nothing in a custody battle. Trust me.

    They have absolutely no chance. Don't let that concern you that they could get their way.

    I agree that putting some distance between you would be good for you. Would you not get help with the wrap around care for DS?

    I looked into it this week and I don't think it would cost me too much with the funding for youngest and help from Tax credits for the other two. Unless I understood it wrong But maybe worth looking into?

    Big hugs x
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • abba1772
    • By abba1772 30th Aug 17, 6:45 PM
    • 3,940 Posts
    • 11,903 Thanks
    abba1772
    I would look into finding a good childminder for your son when you move house, you'll get 70% back from the government through tax credits xx

    I hope you're looking for another job too as I know I couldn't work with my parents..........I would have killed them by now xx

    No court in their right mind would take your son away from you, you put him first and you act more mature than your own parents so please don't think for a second that this would happen xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4791.47
    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 £6029.74 / £6000
    • monz
    • By monz 31st Aug 17, 9:34 AM
    • 2,833 Posts
    • 8,351 Thanks
    monz
    They said they would get him easy. I dont like leaving him with them incase they try lock me out and not get him back.

    This morning she kept telling me I am a disgrace and now looking at anything now to get me fired and when my sons older he will see me for what I am. I just sat in silence and ignored her cos if you talk back shes even worse. He will know when hes older the crap they put me through!

    payday today. Thank god! 28 days to payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • reality_check
    • By reality_check 31st Aug 17, 10:03 AM
    • 687 Posts
    • 1,485 Thanks
    reality_check
    I am mad and upset for you! Who do they think they are!! Do you work for your parents company? Or just happen to work for the same company?

    Hope you're ok! Buy yourself a bottle of wine and massive bar of chocolate as a pay day treat!

    I think you sound like a wonderful mum, and you are so right about your boy seeing them for what they are when he's old enough and will always appreciate you xxx
    Starting debt £18,675.63
    Current debt: £8,250
    • monz
    • By monz 31st Aug 17, 10:09 AM
    • 2,833 Posts
    • 8,351 Thanks
    monz
    work in a charity but shes the boss in there. thanks reality <3 xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • monz
    • By monz 31st Aug 17, 1:41 PM
    • 2,833 Posts
    • 8,351 Thanks
    monz
    So

    I have my savings put in. Not much up but I have took a lot out of it over past month since over spend holiday and my boys party etc. I will hopefully fix this over last cpl months. I managed to reach £30 amazon so ordered two packs of lego demensions and a Barca football (silver)for my sons birthday. I also ordered his birthday invites £6 and m best friends we boys christening coming up. Ordered a personalised keepsake box for that at £20.

    I also ordered a £25 star wars lego advent calender... and I wonder why I am skint :P xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • abba1772
    • By abba1772 31st Aug 17, 10:21 PM
    • 3,940 Posts
    • 11,903 Thanks
    abba1772
    Monz if they were to refuse you access to collect your son the police would insist they give your son back as legally he's yours so to speak so they are talking C R A P

    She's a bully and I'm so angry for you........that kind of person should not be a boss of a charity as you're meant to have compassion and she certainly does not sound like she has that.........how can she treat you like that???? It's disgusting xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4791.47
    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 £6029.74 / £6000
    • monz
    • By monz 1st Sep 17, 10:03 AM
    • 2,833 Posts
    • 8,351 Thanks
    monz
    Oh dont worry! I would phone police and everything!

    I got £10 boots voucher out and hope next week that will be me complete.
    Next will get £30 for my sister thinking Topshop, then my dads £25 amazon though might do this on OP, after I get a few things in for my boy first.

    27 days until paydayxx

    Also got picked for a survey and should get £35 for participating. If I do will go into house fund xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • Purplemumof2
    • By Purplemumof2 1st Sep 17, 4:36 PM
    • 5,241 Posts
    • 18,350 Thanks
    Purplemumof2
    Hi lovely,

    Just caught up with your diary.

    So sorry that you're going through the same carp with your mother again, my mums mum was a bit like that so you have my sympathies.

    I definitely think you need to move as far away as possible (and cut ties?)

    You're doing great with the surveys and your deposit is creeping up

    You can always message me if you need to vent Hun. Big hugs lovely xxx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • Dolly Rocker
    • By Dolly Rocker 3rd Sep 17, 9:56 AM
    • 3,414 Posts
    • 9,766 Thanks
    Dolly Rocker
    Hey monz,

    Been away for a few days & just catching up with your diary - I kinda want to strangle your Mum (sorry!!)

    I just honestly hate how you are being treated.

    We've never met but I can just tell your an awesome wee mummy who does everything for your boy.

    How they can treat you like this is an absolute disgrace!

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • abba1772
    • By abba1772 4th Sep 17, 5:32 PM
    • 3,940 Posts
    • 11,903 Thanks
    abba1772
    Hey monz how are things xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4791.47
    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 £6029.74 / £6000
    • Dolly Rocker
    • By Dolly Rocker 5th Sep 17, 9:36 AM
    • 3,414 Posts
    • 9,766 Thanks
    Dolly Rocker
    Hope you're okay lovely.

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • monz
    • By monz 5th Sep 17, 10:35 AM
    • 2,833 Posts
    • 8,351 Thanks
    monz
    Hi sorry never posted. Felt blah Monday lol. Usual Monday blues.

    My mum was taken into hospital Sunday had a heavy nosebleed and blod clots coming (tmi sorry) she got out eventually and awaiting blood tests. I had my nieces and my boy Sunday while they were in hospital to keep them occupied. She got blood tests Monday so will see what happens.

    Saturday he ended up staying mine (the ex from last week) when I was out... I know I know lol

    Nothing else to add.. get paid and skint again ! This weekend going to see IT on Friday midnight, abso scared of this lol!

    23 days until payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 5th Sep 17, 11:08 AM
    • 3,414 Posts
    • 9,766 Thanks
    Dolly Rocker
    Oh god you're a braver woman than me, no way could I watch that movie!

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • kindofagilr
    • By kindofagilr 5th Sep 17, 12:54 PM
    • 6,082 Posts
    • 20,420 Thanks
    kindofagilr
    I can't wait to see IT, I will be watching it at home though not the cinema, I am a bit of a wuss though so not sure I can handle it lol
    I was going to retry American Horror Story cos I got halfway through series one but it freaked me out too much, but I just saw the advert for series 7, and I have a phobia of holes and the posters have freaked me out too much so I doubt I can see that now lol
    POAMAYC 2018 #87 PD £0.00/£12,000
    POAMAYC 2017 #87 PD £10,380.18/£10,000
    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Survey Money 2017/£107.00 ~ 2018/£0.00

    My Debt Free Diary (Link)
    • Hiddenidenity
    • By Hiddenidenity 5th Sep 17, 8:34 PM
    • 4,230 Posts
    • 26,358 Thanks
    Hiddenidenity
    Hope your mums okay Monz.

    Feeling the skint bit too
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • monz
    • By monz 6th Sep 17, 9:08 AM
    • 2,833 Posts
    • 8,351 Thanks
    monz
    Shes back at work today, but awaiting blood results. Think they are putting it through as priority and should have by Friday. Again never know something might come up n be more of an issue.

    Been in A and E last night. My we boys croup came back and needed his steroid medicine cos it affects his asthma. The we soul looks nothing like me (lucky him lol) but gained my childhood bug I used to suffer on off during the year. Hes off today with my dad just to try beat it.

    22 days until payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • Hiddenidenity
    • By Hiddenidenity 6th Sep 17, 9:21 AM
    • 4,230 Posts
    • 26,358 Thanks
    Hiddenidenity
    Croup is the devil We keep a back up of pred now ready. Once they've had it they seem more prone to getting it again!

    Hope he's feeling better soon x
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • monz
    • By monz 6th Sep 17, 10:30 AM
    • 2,833 Posts
    • 8,351 Thanks
    monz
    Hes got it from me. I was always hospitalised with it growing up, hes been getting it since he was about 2 about three times a year. Its awful so it is but lucky I know how to deal with it. Steam bath tonight for his airways n in bed with me xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
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