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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,792Posts
    • 7,961Thanks
    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 £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
Page 112
    • monz
    • By monz 12th Oct 17, 11:15 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    Currently at £14.40 on VO hopefully can cash out £15 amazon and order my boys party bag stuff, score that off. Then will defo start my dads oops!!! then my sisters birthday vouchers xxx

    2 weeks to payday... literally on countdown mode!! xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • monz
    • By monz 12th Oct 17, 3:08 PM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    Cashed out VO and ordered my boys party boxes/ party bag toys for inside costing me just under £5... will wait until near his party order sweets and crisps... mainly due to me eating them no lie :P

    40p in VO and I solemnly swear this will be me starting my dads amazon voucher :P xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • monz
    • By monz 13th Oct 17, 9:28 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    Morning!!

    VO is at 40p hope to read £2 by end of today and know it will be over week until I reach £15 for next amazon and it will be for my dad I swear :P .... edit might not due to being off I forgot... I never do VO when off

    Using my OP for small things on my boys bday/xmas wishlist lol through amazon and IPSOS iSay

    13 days until payday!!

    I will probably not post next week due to fact off this week and be on taxi mum run lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • Purplemumof2
    • By Purplemumof2 13th Oct 17, 10:33 AM
    • 5,236 Posts
    • 17,524 Thanks
    Purplemumof2
    Well done on the VO payout.

    Have a lovely break xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7250.00 Cap 1: £529.05 BC: £5196.94

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

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • abba1772
    • By abba1772 13th Oct 17, 11:58 AM
    • 3,873 Posts
    • 11,224 Thanks
    abba1772
    We're off too have a fab week off monz xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5372.81
    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 £4900.50 / £6000
    • Dolly Rocker
    • By Dolly Rocker 15th Oct 17, 12:22 PM
    • 3,352 Posts
    • 9,509 Thanks
    Dolly Rocker
    Have a lovely time off monz.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
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