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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,868Posts
    • 8,573Thanks
    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 - £540.43/1064.72
Page 111
    • abba1772
    • By abba1772 5th Oct 17, 5:14 PM
    • 4,022 Posts
    • 12,329 Thanks
    abba1772
    Sorry to hear your wee one feels angry hopefully it's a wee stage he's going through xx

    And your a fab mum btw xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    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 £6797.54 / £6000
    • monz
    • By monz 6th Oct 17, 9:50 AM
    • 2,868 Posts
    • 8,573 Thanks
    monz
    Thanks Abba <3

    He was good in school today and tkd last night thank god! i am going to phone school next week and ask though just check in before October week the following and we are both off.

    VO is at £8.15 I will try my best to be able to cash out but most likely is Monday and can score my sister off for her Christmas.

    still awaiting that amazon £15 code from a survey, will email next Tuesday if I have not received. So I can update my dad signature and then next stop is his £15 amazon from VO.

    Saw a house for sale in an area I really like its £90,000 so gonna ask for a visit really want to buy in new year with xmas over with and more saved but a we look wont hurt :P

    20 days until payday

    have a good weekend!!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 - £540.43/1064.72
    • monz
    • By monz 6th Oct 17, 11:11 AM
    • 2,868 Posts
    • 8,573 Thanks
    monz
    Lucky sod alert. Got a £8 survey in VO so now cashed out final £10 for my sisters xmas. Now at £5.65 and hopefully get to £6.50 end of day and next week cash out £15 amazon for my dads xmas

    xx
    Last edited by monz; 06-10-2017 at 11:21 AM.
    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 - £540.43/1064.72
    • Purplemumof2
    • By Purplemumof2 6th Oct 17, 11:45 AM
    • 5,285 Posts
    • 18,575 Thanks
    Purplemumof2
    Lucky sod alert. Got a £8 survey in VO so now cashed out final £10 for my sisters xmas. Now at £5.65 and hopefully get to £6.50 end of day and next week cash out £15 amazon for my dads xmas

    xx
    Originally posted by monz
    Well done, I'm up to £9 on there and I'm hoping to cash out today too xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7000.00 Cap 1: £457.35 BC: £5000.00

    AFD 0/10 NSD 0/10 LTW 0/10
    POAMAYC 2018 #?? PD £0.00/£4000
    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • monz
    • By monz 6th Oct 17, 11:50 AM
    • 2,868 Posts
    • 8,573 Thanks
    monz
    ooo what are you cashing out on?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 - £540.43/1064.72
    • abba1772
    • By abba1772 6th Oct 17, 12:20 PM
    • 4,022 Posts
    • 12,329 Thanks
    abba1772
    Go you on the vouchers
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    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 £6797.54 / £6000
    • Purplemumof2
    • By Purplemumof2 6th Oct 17, 1:00 PM
    • 5,285 Posts
    • 18,575 Thanks
    Purplemumof2
    ooo what are you cashing out on?xx
    Originally posted by monz
    Need another Boots voucher for MiL.

    She's got £30 for Christmas and need £20 for her birthday next month.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7000.00 Cap 1: £457.35 BC: £5000.00

    AFD 0/10 NSD 0/10 LTW 0/10
    POAMAYC 2018 #?? PD £0.00/£4000
    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • monz
    • By monz 6th Oct 17, 2:02 PM
    • 2,868 Posts
    • 8,573 Thanks
    monz
    VO is amazing for this!!! Wish I done this last year lol got so many bdays coming up just saving vouchers xx

    This is the same layout as house viewing ... its not the same one as no pisc up yet http://www.rightmove.co.uk/house-prices/detailMatching.html/svr/2715;jsessionid=A9763B4824DE70DD123301CCDC94711E?p rop=31245587&sale=20712227&country=scotland
    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 - £540.43/1064.72
    • abba1772
    • By abba1772 6th Oct 17, 5:17 PM
    • 4,022 Posts
    • 12,329 Thanks
    abba1772
    No pictures monz just a sold price section of the website xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    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 £6797.54 / £6000
    • monz
    • By monz 9th Oct 17, 10:45 AM
    • 2,868 Posts
    • 8,573 Thanks
    monz
    Ah its ok!

    Visited it. House was beautiful but they added 10k to price and the house was small. I know its only me and my boy but for that price I can get a 3 bedroom bigger. Still saving and searching

    weekend was relaxing didnt go out and I am glad. Visited my friend who lost her husband and was so drained after. Heard few more things about it and she revealed a shocker of her family history, I literally cdnt leave house at night I was quite disturbed over it all, especially her insisting I see where she found him.... I think shes still in shock but honestly was not nice to see.

    Anyway 17 days until payday and cannot wait

    Off to read other diaries 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 - £540.43/1064.72
    • abba1772
    • By abba1772 9th Oct 17, 11:51 AM
    • 4,022 Posts
    • 12,329 Thanks
    abba1772
    They must have a lot of interest in it to bump the price up by that much xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    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 £6797.54 / £6000
    • monz
    • By monz 10th Oct 17, 10:31 AM
    • 2,868 Posts
    • 8,573 Thanks
    monz
    Confession time... I used to £15 of my dads amazon code for my halloween costume ,.,.. gonna be mother of dragons and got dragons plus costume. I will get get £15 amazon code this week and next one will save up for it... so hes not missing out

    this weekend got a quiet one, just saturday ladies afternoon for my work... free bar and drag show !!! Not everyone cup of tea but omg so excited !!!

    16 days until payday !! Off next week and need to find free things to do aka parks lol 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 - £540.43/1064.72
    • Dolly Rocker
    • By Dolly Rocker 10th Oct 17, 11:10 AM
    • 3,483 Posts
    • 9,896 Thanks
    Dolly Rocker
    Good for you!

    Oh I love that idea for dressing up.

    Your wee works do sounds brilliant fun!

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

    Starting Weight - 16st 7lbs
    Current Weight - 15st 9lbs
    • monz
    • By monz 10th Oct 17, 11:31 AM
    • 2,868 Posts
    • 8,573 Thanks
    monz
    yeah I got it all for £10 spend after £20 off amazon voucher but cashed out my PA for paypal of £13 so that will cover it once in

    Aw I cant wait in Grand Central Hotel in train station so all I need is train fair 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 - £540.43/1064.72
    • abba1772
    • By abba1772 10th Oct 17, 12:25 PM
    • 4,022 Posts
    • 12,329 Thanks
    abba1772
    yeah I got it all for £10 spend after £20 off amazon voucher but cashed out my PA for paypal of £13 so that will cover it once in

    Aw I cant wait in Grand Central Hotel in train station so all I need is train fair xx
    Originally posted by monz
    Grand central hotel is so posh hope you have a fab time there xx

    You'll get that Amazon voucher in no time xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    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 £6797.54 / £6000
    • monz
    • By monz 10th Oct 17, 12:47 PM
    • 2,868 Posts
    • 8,573 Thanks
    monz
    I know we had my works Gala in there in May and now this.... I go for free cos I am staff and well free bar and drag show will be so much fun

    I am at £11 so nearly at cash out for £15 but then thinking I got to get party bags etc for my boys party... will see 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 - £540.43/1064.72
    • reality_check
    • By reality_check 10th Oct 17, 6:10 PM
    • 699 Posts
    • 1,552 Thanks
    reality_check
    I've just been catching up on your diary, doing amazing as ever with those surveys, they certainly do all add up. 2018 is going to be a great year for you! Buying a house and now your holiday to look forward to. House searching is tough but I always go on area over anything. I would rather have the sh!ttiest house in the best area then the best house in a sh!t area...which is basically what I've always had in mind with buying. My current house was a tip, and had to be fully renovated but means you can have it exactly how you want in the end...does take time! Have you looked into the help to buy? Not sure if it's only on new builds though? Have you considered them?

    I am coming to Glasgow in a few weeks for a wedding! We are staying at the Blythswood Square Hotel and the wedding is in the chapel at Glasgow uni and then onto One Devonshire Gardens...googled them and all look nice! Any recommendations of things to do/places to eat etc...? xxx
    Starting debt £18,675.63
    Current debt: £8,000
    • monz
    • By monz 11th Oct 17, 9:39 AM
    • 2,868 Posts
    • 8,573 Thanks
    monz
    Oooo coming to Glasgow

    What type of things are you into? Defo look up Groupon Glasgow they have amazing deals. Thats very post area Glasgow you will be staying at Sauchihall street is near and has fab pubs there, like two streets from Blythswood hotel. George Square is a must it is centre of Glasgow and in middle of everything. What date do you go? I will see whats on for you and send you links.xx

    VO is at £11. Hope to get to £13 today and cash out tomorrow. Might cash this one out and get my boys party bags n accessories and I swear the next one I will keep for my dad twice over lol!!xx

    15 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 - £540.43/1064.72
    • Hiddenidenity
    • By Hiddenidenity 11th Oct 17, 10:24 AM
    • 4,230 Posts
    • 26,459 Thanks
    Hiddenidenity
    House hunting sounds exciting!

    How's DS getting on now? x
    • monz
    • By monz 11th Oct 17, 12:12 PM
    • 2,868 Posts
    • 8,573 Thanks
    monz
    School says last week didnt hit one child... so their theory of autism etc gone out window... not that they wont stop trying on that cos a child with special needs cant just switch it off!!! He has been good on tkd will be going tonight keep an eye on it...

    was at his reconciliation parents meeting last night at church. makes his confession next march 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 - £540.43/1064.72
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