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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,868Posts
    • 8,575Thanks
    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 118
    • abba1772
    • By abba1772 6th Dec 17, 11:50 AM
    • 4,022 Posts
    • 12,332 Thanks
    abba1772
    How exciting sounds all very positive go you xx

    I only took my gran round for the viewings as she bought a lot of houses in her 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 6th Dec 17, 12:55 PM
    • 2,868 Posts
    • 8,575 Thanks
    monz
    yeah they were asking questions n i was like oh didnt even notice lol!

    phoned advisor out in meeting. Barclays offering a good AIP will mail you Abba dont like posting some this stuff on this if thats ok? I dont know if I shd go for it ahhh 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
    • kirtsypoos
    • By kirtsypoos 6th Dec 17, 1:19 PM
    • 3,092 Posts
    • 13,767 Thanks
    kirtsypoos
    House sounds and looks lovely monz exciting times!! xx
    £150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £150/31010.23 (99.51% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,935.81/14,539.71
    • abba1772
    • By abba1772 6th Dec 17, 6:20 PM
    • 4,022 Posts
    • 12,332 Thanks
    abba1772
    yeah they were asking questions n i was like oh didnt even notice lol!

    phoned advisor out in meeting. Barclays offering a good AIP will mail you Abba dont like posting some this stuff on this if thats ok? I dont know if I shd go for it ahhh xxx
    Originally posted by monz

    That's fine Hunni pm me 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 7th Dec 17, 1:31 PM
    • 2,868 Posts
    • 8,575 Thanks
    monz
    Thanks Abba <3

    1 week and 6 days until payday.

    I have been quite lucky on PA last cpl days and managed to get some good surveys. will try up my OP not been on much. Hoping in cpl weeks and get my big sis dollars with money. Think I have about £8 in paypal and will get her dollars with that

    VO is nearly £5. Cashed out £20 on boots treat myself and hoping by time I finish work in under two weeks can cash out another £20 and buy myself a decent foundation

    Then Jan will be trying get vouchers for topshop for my birthday night out

    Then back to amazon for my dads birthday March 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 7th Dec 17, 2:07 PM
    • 3,483 Posts
    • 9,896 Thanks
    Dolly Rocker
    Hey monz,

    My PA has been quite slow, have about £6ish on there so will cash out when it gets to over £20 then add that to my pot for pressies.

    VO is just at £5 for me today but its taking me ages on there right now.

    Oh treat yo self lady!

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

    Starting Weight - 16st 7lbs
    Current Weight - 15st 9lbs
    • Purplemumof2
    • By Purplemumof2 7th Dec 17, 2:17 PM
    • 5,285 Posts
    • 18,590 Thanks
    Purplemumof2
    Hi Lovely,

    Just caught up with your diary.

    Congratulations on one year debt free

    You're doing really great with the surveys and being half way through paying for your holiday.

    I've had a look at the house and it looks fab, you'll soon make it your own
    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 13th Dec 17, 9:48 AM
    • 2,868 Posts
    • 8,575 Thanks
    monz
    Sorry I have no posted. Just Been too tired and nothing much to post.

    7 days to payday. I am considering not putting into a mortgage and that house even though I love it... just I never thought lawyer fees etc plus I want money aside for furniture. i want to have a little bit more saved.

    I finish up work in 7 days. VO is at 90p hope to get this to £2.50 end of day. I have got £30 coming for myself Boots and hoping time I finish up will be £40 Then start for Topshop I think 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
    • Purplemumof2
    • By Purplemumof2 13th Dec 17, 9:58 AM
    • 5,285 Posts
    • 18,590 Thanks
    Purplemumof2
    Morning hun,

    Probably a wise decision and a few months waiting will make it even more worthwhile.

    You're doing well on the surveys and yay to spoiling yourself, I love Boots 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 13th Dec 17, 10:14 AM
    • 2,868 Posts
    • 8,575 Thanks
    monz
    I need foundation and been buying the £3/4 from amazon and ebay... my skins been breaking out n that since so thought lil treat and a decent eye liner 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
    • abba1772
    • By abba1772 13th Dec 17, 11:12 AM
    • 4,022 Posts
    • 12,332 Thanks
    abba1772
    Treats are even better when it costs you nothing 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
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