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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,869Posts
    • 8,613Thanks
    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 116
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:48 AM
    • 449 Posts
    • 3,069 Thanks
    WannabeFree
    Your such a wonderful friend monz xx
    Originally posted by abba1772
    I agree!

    Well done on the vouchers Monz. Are you totally sorted for Xmas now? x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • monz
    • By monz 21st Nov 17, 11:56 AM
    • 2,869 Posts
    • 8,613 Thanks
    monz
    Hey. Thank you!!

    I will be by next Thursday when I buy Nintendo switch for my son 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
    • Golightly72
    • By Golightly72 21st Nov 17, 1:05 PM
    • 73 Posts
    • 265 Thanks
    Golightly72
    Well done on the vouchers Monz - afer all that work on the surveys I think you should definitely treat yourself to something nice with the next one!

    Boots sound good, can get yourself a nice gift set or something with their xmas stuff?
    • monz
    • By monz 22nd Nov 17, 9:43 AM
    • 2,869 Posts
    • 8,613 Thanks
    monz
    Thanks Golightly!

    I am not really a gift set person but really need foundation or possibly eye liner

    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
    • WannabeFree
    • By WannabeFree 22nd Nov 17, 9:54 AM
    • 449 Posts
    • 3,069 Thanks
    WannabeFree
    Have a lovely day Monz x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • monz
    • By monz 22nd Nov 17, 12:52 PM
    • 2,869 Posts
    • 8,613 Thanks
    monz
    Thanks everyone. My VO is now at £2.65 tomorrow hope to get above £4. Think first cash out will actually be cineworld as xmas holidays coming up and jumanji . My dad already booked star wars.

    Then boots vouchers 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
    • WannabeFree
    • By WannabeFree 24th Nov 17, 11:05 PM
    • 449 Posts
    • 3,069 Thanks
    WannabeFree
    Hope everything's okay Monz

    Have a lovely weekend x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • monz
    • By monz 27th Nov 17, 9:18 AM
    • 2,869 Posts
    • 8,613 Thanks
    monz
    Hey

    Sorry just havent posted. I had nothing to post so did not want to bore anyone lol

    payday this Thu... no savings going in and getting my son the switch

    VO is at £7.90 still unsure what I should get when hit £10 will decide when I do.... Liklihood is Boots and make up
    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 27th Nov 17, 9:50 AM
    • 3,484 Posts
    • 9,901 Thanks
    Dolly Rocker
    Hey monz,

    I'm at £7.50 but it is being annoying and not letting me through on anything at all

    Will keep trying though.

    Oh a switch! He will loveeeeeeee that.

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

    Starting Weight - 16st 7lbs
    Current Weight - 15st 9lbs
    • monz
    • By monz 28th Nov 17, 9:29 AM
    • 2,869 Posts
    • 8,613 Thanks
    monz
    two days until payday!!!

    Any luck Dolly?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
    • Dolly Rocker
    • By Dolly Rocker 28th Nov 17, 9:54 AM
    • 3,484 Posts
    • 9,901 Thanks
    Dolly Rocker
    Yeah finally made it up to £9.25, hopefully next week can get another amazon voucher - I need them now though! So impatient so I am.

    You any luck?

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

    Starting Weight - 16st 7lbs
    Current Weight - 15st 9lbs
    • monz
    • By monz 28th Nov 17, 1:17 PM
    • 2,869 Posts
    • 8,613 Thanks
    monz
    Yeah cashed out £10 this morning and just above £1. Hoping next week get another boots vouchers then try getting topshop vouchers n something nice xx my bday in Jan so that plan
    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 28th Nov 17, 2:58 PM
    • 3,484 Posts
    • 9,901 Thanks
    Dolly Rocker
    Good plan monz!

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

    Starting Weight - 16st 7lbs
    Current Weight - 15st 9lbs
    • monz
    • By monz 29th Nov 17, 10:31 AM
    • 2,869 Posts
    • 8,613 Thanks
    monz
    Thanks Dolly!

    Payday tomorrow and a bills came out early so will have £8 overdraft fee because of that Least after this payday its only 2 weeks and 6 days until next wage as xmas wage is early....

    VO is at £2.65 hope to get to £4 but already done one so probably wont.

    need to do OP not done this week... just been lazy :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 - £540.43/1064.72
    • Dolly Rocker
    • By Dolly Rocker 29th Nov 17, 10:48 AM
    • 3,484 Posts
    • 9,901 Thanks
    Dolly Rocker
    Aw that's a buggar so it is!!!

    Hate paying OD fees to the bank.

    I have weeks like that aswell, sometimes I just can't be bothered doing them but need to remember our challenge!

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

    Starting Weight - 16st 7lbs
    Current Weight - 15st 9lbs
    • JoJoC
    • By JoJoC 29th Nov 17, 9:56 PM
    • 1,280 Posts
    • 4,176 Thanks
    JoJoC
    Gutted on the bank front - what a pain!

    Still going strong on the old voucher front though - I've just cashed out £15 Amazon vouchers on VO and £21 on PA so I feel like I'm finally making progress after a few weeks of not much happening.
    CC1: £3804.52 / £3554.32 £250.20 paid | CC2:£5027.53 / £4829.43 £245 paid | Loan: £15,000 / £12,369.24 (£2,631.76 paid)

    July debt total: £23,832.05 | New debt total: £20,752 | Total debt paid: £3,080 (13%)
    *My debt busting and savings diary*
    • misstara
    • By misstara 29th Nov 17, 10:53 PM
    • 2,487 Posts
    • 17,362 Thanks
    misstara
    That's a pain about the bank charge monz, I would phone the bank and see if they will waive it. About 2 months ago, I got a £10 charge because I'd forgotten to change the date for a standing order. I phoned up to explain and since it was the first time it has happened in years, I didn't have to pay it. It's worth a try
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 2/6, Gym 1/6 Groceries target £70.25/£200. NSD target 9/15.
    • monz
    • By monz 30th Nov 17, 8:42 AM
    • 2,869 Posts
    • 8,613 Thanks
    monz
    Aw I will just leave it...but payday is here

    2 weeks and 6 days until next one. Though January wages will be 5 weeks 1 day yikes!!

    Gonna buy the switch few other things n boom done with xmas

    Its my friends bday night out next week so need a dress for that. Other than that I am set

    Ohh got a house viewing on Saturday. Still not rushing anything but will see 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
    • WannabeFree
    • By WannabeFree 30th Nov 17, 8:44 AM
    • 449 Posts
    • 3,069 Thanks
    WannabeFree
    Happy Payday Monz

    Jealous of you being set for Xmas I can't wait to be finished

    Fingers crossed for the house viewing!

    Have a lovely day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • monz
    • By monz 30th Nov 17, 8:54 AM
    • 2,869 Posts
    • 8,613 Thanks
    monz
    Thanks Wannabe

    Also just realised its been a year today I was officially debt free. Still in shock a year on. <3
    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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