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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,724Posts
    • 7,644Thanks
    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 £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50
    sisters xmas vouchers topshop (surveys ) 0/30
    Dads xmas voucher amazon (surveys) 0/25
    Australia 2019 - /5000
Page 108
    • kirtsypoos
    • By kirtsypoos 13th Sep 17, 1:49 PM
    • 2,948 Posts
    • 13,108 Thanks
    kirtsypoos
    I got a 3 part £21 total one on Monday - it's taken me 1 hour 10 mins to do the first 2 parts but the 3rd part is longer apparently - I can cope with that for the reward

    I don't think it's picked up as much as I expected though! x
    £470/3000 OH BC(84.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £470/31010.23 (98.48% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16166.98/14,539.71
    • monz
    • By monz 13th Sep 17, 2:13 PM
    • 2,724 Posts
    • 7,644 Thanks
    monz
    oooo a 3 part one!!! would love that :P xx

    My VO is now at £3.40, hoping to get above £5 tomorrow x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50
    sisters xmas vouchers topshop (surveys ) 0/30
    Dads xmas voucher amazon (surveys) 0/25
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 13th Sep 17, 4:25 PM
    • 3,330 Posts
    • 9,424 Thanks
    Dolly Rocker
    Oh I got that one too kirsty!

    Super chuffed.

    Just spent all my survey money on my Granny's 90th birthday present so need to start replenishing so that will help.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • monz
    • By monz 14th Sep 17, 9:10 AM
    • 2,724 Posts
    • 7,644 Thanks
    monz
    My PA is currently sitting at £19.80 nothing pending. Hoping I get evena 20p survey

    VO is at £3.40 hoping to get this £6 today.

    Also got some sad news last night. A friend of mine from uni who I talk to most days messaged me last night apologising not getting back to me about help regarding my sons bullying other day. She took her kids to school Monday morning and came back found her husband had ended his life. The poor woman has nothing to apologise. Going to pop round to hers after work in a loss for words, three kids (one a baby) just cant imagine her poor grief </3

    2 weeks to payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50
    sisters xmas vouchers topshop (surveys ) 0/30
    Dads xmas voucher amazon (surveys) 0/25
    Australia 2019 - /5000
    • kirtsypoos
    • By kirtsypoos 14th Sep 17, 9:55 AM
    • 2,948 Posts
    • 13,108 Thanks
    kirtsypoos
    Such a sad time for her, how lovely that you are going to offer support and a shoulder to cry on

    I just tried to cash out of OW for the first time after I got a 150 point survey but they said I violated terms and conditions and have had my account terminated how did you get on so well for so long with it?!
    £470/3000 OH BC(84.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £470/31010.23 (98.48% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16166.98/14,539.71
    • monz
    • By monz 14th Sep 17, 10:10 AM
    • 2,724 Posts
    • 7,644 Thanks
    monz
    omg email them demand why!!! I never ever had a problem with them, I only moved to Opinion Post due to them stopping doing the points on them. Thats not right!!!!!xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50
    sisters xmas vouchers topshop (surveys ) 0/30
    Dads xmas voucher amazon (surveys) 0/25
    Australia 2019 - /5000
    • misstara
    • By misstara 14th Sep 17, 10:27 AM
    • 2,358 Posts
    • 16,335 Thanks
    misstara
    So sorry to hear about your friends sad news, glad she's got you for support.

    Hoping you get a PA survey so you can cash out.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • kirtsypoos
    • By kirtsypoos 14th Sep 17, 10:39 AM
    • 2,948 Posts
    • 13,108 Thanks
    kirtsypoos
    omg email them demand why!!! I never ever had a problem with them, I only moved to Opinion Post due to them stopping doing the points on them. Thats not right!!!!!xx
    Originally posted by monz
    It's really wound me up, I sent a harsh email demanding to know what excuse they were going to come up with for scamming me. Probably a bit harsh but I was angry - I'd saved up 1700 points for this x
    £470/3000 OH BC(84.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £470/31010.23 (98.48% paid)
    Mortgage - £161,995.00 (2017 O/P £1729.74) PAYDBX 17 #006 - £16166.98/14,539.71
    • monz
    • By monz 14th Sep 17, 10:59 AM
    • 2,724 Posts
    • 7,644 Thanks
    monz
    no dont let them away with it!!! They have always been nice with me so let me know once you get a reply!!!xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50
    sisters xmas vouchers topshop (surveys ) 0/30
    Dads xmas voucher amazon (surveys) 0/25
    Australia 2019 - /5000
    • Purplemumof2
    • By Purplemumof2 14th Sep 17, 12:10 PM
    • 5,043 Posts
    • 16,578 Thanks
    Purplemumof2
    Also got some sad news last night. A friend of mine from uni who I talk to most days messaged me last night apologising not getting back to me about help regarding my sons bullying other day. She took her kids to school Monday morning and came back found her husband had ended his life. The poor woman has nothing to apologise. Going to pop round to hers after work in a loss for words, three kids (one a baby) just cant imagine her poor grief </3
    Originally posted by monz


    Your poor friend and her kids, he really must've been at rock bottom to consider doing something so drastic xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • abba1772
    • By abba1772 14th Sep 17, 1:40 PM
    • 3,743 Posts
    • 10,619 Thanks
    abba1772
    Your poor friend can't imagine what she's going through xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5607.10
    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 £4114.16 / £6000
    • monz
    • By monz 15th Sep 17, 8:59 AM
    • 2,724 Posts
    • 7,644 Thanks
    monz
    Saw her last night. I brought them over a McDonalds for dinner and some colouring in books etc for kids. Words can not express how pained she is, its heart braking. Will be stopping by tomorrow will do a food shop, when she went to bathroom I checked kitchen and took note what shes needed and told her I will get these for her ( will not under any circumstance take money) , I would today after work but shes starting to plan his funeral and staying at her mums. I cannot fathom how hard this must be for her. She keeps saying she will do my head in asking about being a single parent but will never in slightest.

    my VO is at £5.15 will try above £7 today. Saw a holiday for Tenerife 10 days all inc £667 each for me and my son. Gonna try book this for next year its amazing price.

    Cashed out £20 from PA this will go to bank as I do need this.

    13 days until payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50
    sisters xmas vouchers topshop (surveys ) 0/30
    Dads xmas voucher amazon (surveys) 0/25
    Australia 2019 - /5000
    • Hiddenidenity
    • By Hiddenidenity 17th Sep 17, 7:14 PM
    • 4,743 Posts
    • 20,612 Thanks
    Hiddenidenity
    Sorry to hear about you're friend

    Hope you've had a lovely weekend x
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
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