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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,968Posts
    • 9,141Thanks
    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
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
Page 123
    • monz
    • By monz 6th Feb 18, 10:31 AM
    • 2,968 Posts
    • 9,141 Thanks
    monz
    Honestly Jojo it helps so much. When they arent birthdays coming up, I intend to save up vouchers so if something I forget I have it covered. I have a tendancy to remember birthdays though. After my dad its my niece in April so prob start saving them towards that anyway lol xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
    • WannabeFree
    • By WannabeFree 6th Feb 18, 11:47 AM
    • 1,097 Posts
    • 8,996 Thanks
    WannabeFree
    What a pain with the hire car! Hope you get it sorted at no cost to yourself.

    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 7th Feb 18, 9:10 AM
    • 2,968 Posts
    • 9,141 Thanks
    monz
    Still no news on hire car... hoping no news is good news and never hear :P but not that lucky!

    Still awaiting news about £20 coming my way and £100 prepaid card for joining BT (they said will take 30 days though). Going to keep that £100 prepaid card as an emergency card.... or 5 week month skint need it card ya know

    15 days until payday. VO is at £15.15 hoping to cash out today and then thats my dads birthday covered. Not sure what to save for next will decide when nearer next £10 though

    xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
    • Dolly Rocker
    • By Dolly Rocker 7th Feb 18, 9:38 AM
    • 3,639 Posts
    • 10,320 Thanks
    Dolly Rocker
    No news is good news in my opinion.

    Good for you on the VO update though.

    I'm not sure how much mine is at right now will need to log on and check later.

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • WannabeFree
    • By WannabeFree 7th Feb 18, 11:38 AM
    • 1,097 Posts
    • 8,996 Thanks
    WannabeFree
    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 8th Feb 18, 9:03 AM
    • 2,968 Posts
    • 9,141 Thanks
    monz
    Morning. 2 weeks to payday. Surprisingly done well this month money wise. Never put anything into savings but will defo end this month try get it back up and healthy. Still awaiting £50 from newvista, £20 from survey (dont know if paypal or amazon) and £100 prepaid card from BT (this will be emergency paycard)

    Any money I have left over from this month will go right into my savings account try replace what I have borrowed from it.

    Almost two weeks into insanity workouts and I have lost 8lbs well chuffed

    VO is at £1.40 will hopefully reach £3 be end of today xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
    • JoJoC
    • By JoJoC 8th Feb 18, 9:14 AM
    • 1,529 Posts
    • 5,293 Thanks
    JoJoC
    I always like it when I know I have a few bits of money coming in from difference places - it's reassuring

    Well done on the weight loss and commitment to insanity! I did it a few years ago and really en joyed it even though it almost killed me. Haha My BIL did it and lost 2 stone over the 4 weeks (and he wasn't following the diet particularly) so it definitley does work.
    CC1: £3804.52 / £3544.32 £300.20 paid | CC2:£5027.53 / £4781 £295 paid | Loan: £15,000 / £11,954 (£3,156 paid)

    July debt total: £23,832.05 | New debt total: £20,129 | Total debt paid: £3,703 (16%)
    *My debt busting and savings diary*
    • Dolly Rocker
    • By Dolly Rocker 8th Feb 18, 9:18 AM
    • 3,639 Posts
    • 10,320 Thanks
    Dolly Rocker
    Good for you on the insanity work out, head they are soooooo hard!

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • monz
    • By monz 8th Feb 18, 11:16 AM
    • 2,968 Posts
    • 9,141 Thanks
    monz
    It helped me before over 6 months I went from size uk 14 to size 6. I cut down lot of crap but one night a week I would have pizza pringles n big bar chocolate as treat lol.

    I am abt a 8-10 so want to get back down to it Shaun T works well for me.

    Got £3 coming from pinec*ne so thats good xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
    • Dolly Rocker
    • By Dolly Rocker 8th Feb 18, 11:46 AM
    • 3,639 Posts
    • 10,320 Thanks
    Dolly Rocker
    Yay! I had £3 from them the other day, its just sitting in my Paypal the now.

    Really, wow good for you lady!

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • abba1772
    • By abba1772 8th Feb 18, 1:04 PM
    • 4,346 Posts
    • 14,303 Thanks
    abba1772
    Is insanity something you do in the gym or at home ????
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    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 £7278.80 POAMAYC 2018 £2193.69
    • JoJoC
    • By JoJoC 8th Feb 18, 1:30 PM
    • 1,529 Posts
    • 5,293 Thanks
    JoJoC
    It's home-based abba. It's a crazy fit American guy who makes you sweat like a beast! So effective though.

    You can buy the DVDs and the meal plans for £100 but I'm pretty sure all the workouts are either on YouTube or you'll be able to download them from somewhere.

    It's way to intense for my level of fitness at the moment, so maybe once I build up the fitness a bit more I'll get back into it.
    CC1: £3804.52 / £3544.32 £300.20 paid | CC2:£5027.53 / £4781 £295 paid | Loan: £15,000 / £11,954 (£3,156 paid)

    July debt total: £23,832.05 | New debt total: £20,129 | Total debt paid: £3,703 (16%)
    *My debt busting and savings diary*
    • monz
    • By monz 8th Feb 18, 1:57 PM
    • 2,968 Posts
    • 9,141 Thanks
    monz
    Exactly what Jojo said. I paid the £100 few years ago. I love him, he is amazing and literally melts the fat off you

    Just paid for me and my sons travel insurance £5.65 and aparently I get £3 cashback from TCB so not bad. Holiday covered for insurance xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
    • abba1772
    • By abba1772 8th Feb 18, 2:35 PM
    • 4,346 Posts
    • 14,303 Thanks
    abba1772
    It's home-based abba. It's a crazy fit American guy who makes you sweat like a beast! So effective though.

    You can buy the DVDs and the meal plans for £100 but I'm pretty sure all the workouts are either on YouTube or you'll be able to download them from somewhere.

    It's way to intense for my level of fitness at the moment, so maybe once I build up the fitness a bit more I'll get back into it.
    Originally posted by JoJoC
    Will need to have a look into this I do joe wicks.....sometimes really need to start exercising more xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    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 £7278.80 POAMAYC 2018 £2193.69
    • monz
    • By monz 9th Feb 18, 8:27 AM
    • 2,968 Posts
    • 9,141 Thanks
    monz
    When I first started I did Jillian Michaels 30 day shred and just cut out crap and still ate what I wanted just in moderation and no crisps/chocolates, lost 11 pounds in that then worked way up to insanity. I made a group and now have 7,500 members in fb lol. Its mad but brill group

    VO is at £3.65 hoping to get £5 today.

    Quiet weekend planned aka tonight get home insanity then dinner then ironing (ooo I know wild days here) then tomorrow complete week two and then clean house out .

    Yesterday I got more abusive messages from that girl saying I am a bad friend and should be there for her... joke. Told her to get to.... and leave me alone. With the amount messages and abuse I could actually get a restraining order I have been told lol.

    13 days until payday. I am giving myself £10 for the weekend (hope I dont go too wild ) but since I have everything in and food prep sorted wont need anything plus got my vape

    have a good weekend everyone xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
    • abba1772
    • By abba1772 9th Feb 18, 1:16 PM
    • 4,346 Posts
    • 14,303 Thanks
    abba1772
    Could you pm me the name of the group I need motivated xx

    Your friend or ex friend is a moo, that's me being nice but she's defo a moo and completely delusional you're best away from her xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    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 £7278.80 POAMAYC 2018 £2193.69
    • monz
    • By monz 12th Feb 18, 9:42 AM
    • 2,968 Posts
    • 9,141 Thanks
    monz
    Morning. I hope you all had a good weekend.

    I didnt get any abusive messages thank god!

    My VO is now at £7.65 did my surveys this morning. Hopefully cash out tomorrow or Wednesday. likely choose boots.

    My PA is at £19.51 so hoping I get a lil survey to cash out as well. Still awaiting £100 prepaid card and £20 from that survey (that shd be this week I got an email.)

    Will work on opinion outpost. Payday will be in 10 days and since giving up smoking saved money and also been working out my fitness has went up xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
    • Dolly Rocker
    • By Dolly Rocker 12th Feb 18, 9:44 AM
    • 3,639 Posts
    • 10,320 Thanks
    Dolly Rocker
    Morning monz,

    Good that the abusive messages have stopped, should never have started in the first place!

    You're smashing these surveys as usual!

    Dxxx
    CWP start 16st2lbs, current 14st7lbs, lost 23lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • WannabeFree
    • By WannabeFree 12th Feb 18, 10:24 AM
    • 1,097 Posts
    • 8,996 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.”
    • abba1772
    • By abba1772 12th Feb 18, 12:17 PM
    • 4,346 Posts
    • 14,303 Thanks
    abba1772
    Wish me luck I'm starting 30 day shred today if I can get Abbie off the wii fit lol xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    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 £7278.80 POAMAYC 2018 £2193.69
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