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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 1,697Posts
    • 3,519Thanks
    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
    Start debt: (1/9/14) £6,674.52 today (30/9/2016) £1,181.46 (£5,493.06 paid so far) 82.3% paid!
    RBS loan - 24/60 paid back £1,181.46 to pay from (£5,000)
    Beat the overdraft of £1,000/£1,000 Next - £232.78
    Florida 2017 saving £2,068.12 should be £2,228.12 - owe savings £160 - paying extra in when I can!)Gym 0/15 (Oct)
Page 60
    • Purplemumof2
    • By Purplemumof2 18th Sep 16, 4:33 PM
    • 3,560 Posts
    • 10,553 Thanks
    Purplemumof2
    Good luck little Monz xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £9250.00 Overdraft: £2750.00

    15-20 NSD - 5/20, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • abba1772
    • By abba1772 18th Sep 16, 7:38 PM
    • 2,810 Posts
    • 6,404 Thanks
    abba1772
    Hope the little dude did well xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £1788.97

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £5064.24/ £6000
    • monz
    • By monz 20th Sep 16, 8:55 AM
    • 1,697 Posts
    • 3,519 Thanks
    monz
    Thanks everyone!! He is now officially black belt and I am so proud (more if even possible!)

    My best friend from America was over and was so good to see her I burst into tears and Connor took to her so well....

    The competition this time he won nothing, it broke my heart because he was in so much tears!! He didnt stand much of a chance he was youngest in group at 5 and the rest this time round were all 7, but he gave it his all and couldnt ask for anything more. So proud of him he went up there and thats something I could never do! <3

    Money wise.... pratted !!

    9 days until pay day
    Start debt: (1/9/14) £6,674.52 today (30/9/2016) £1,181.46 (£5,493.06 paid so far) 82.3% paid!
    RBS loan - 24/60 paid back £1,181.46 to pay from (£5,000)
    Beat the overdraft of £1,000/£1,000 Next - £232.78
    Florida 2017 saving £2,068.12 should be £2,228.12 - owe savings £160 - paying extra in when I can!)Gym 0/15 (Oct)
    • abba1772
    • By abba1772 20th Sep 16, 1:44 PM
    • 2,810 Posts
    • 6,404 Thanks
    abba1772
    Aww well done to your little boy doesn't matter if he didn't win anything it's the experience of taking part xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £1788.97

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £5064.24/ £6000
    • monz
    • By monz 20th Sep 16, 1:58 PM
    • 1,697 Posts
    • 3,519 Thanks
    monz
    Yeah, I told him other boys needs to win too so they get a chance, just dont like seeing him upset xx
    Start debt: (1/9/14) £6,674.52 today (30/9/2016) £1,181.46 (£5,493.06 paid so far) 82.3% paid!
    RBS loan - 24/60 paid back £1,181.46 to pay from (£5,000)
    Beat the overdraft of £1,000/£1,000 Next - £232.78
    Florida 2017 saving £2,068.12 should be £2,228.12 - owe savings £160 - paying extra in when I can!)Gym 0/15 (Oct)
    • monz
    • By monz 21st Sep 16, 11:32 AM
    • 1,697 Posts
    • 3,519 Thanks
    monz
    5 week months suck! 8 days until payday x
    Start debt: (1/9/14) £6,674.52 today (30/9/2016) £1,181.46 (£5,493.06 paid so far) 82.3% paid!
    RBS loan - 24/60 paid back £1,181.46 to pay from (£5,000)
    Beat the overdraft of £1,000/£1,000 Next - £232.78
    Florida 2017 saving £2,068.12 should be £2,228.12 - owe savings £160 - paying extra in when I can!)Gym 0/15 (Oct)
    • Purplemumof2
    • By Purplemumof2 21st Sep 16, 11:55 AM
    • 3,560 Posts
    • 10,553 Thanks
    Purplemumof2
    5 week months suck! 8 days until payday x
    Originally posted by monz


    Don't they just!


    Sorry that your little man didn't win this time around and totally understand that you feel so sorry for him....he'll do it next time.


    Glad you had a lovely time with your friend.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £9250.00 Overdraft: £2750.00

    15-20 NSD - 5/20, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • monz
    • By monz 22nd Sep 16, 9:56 AM
    • 1,697 Posts
    • 3,519 Thanks
    monz
    Thanks!!

    week today until payday its dragging!!! xx
    Start debt: (1/9/14) £6,674.52 today (30/9/2016) £1,181.46 (£5,493.06 paid so far) 82.3% paid!
    RBS loan - 24/60 paid back £1,181.46 to pay from (£5,000)
    Beat the overdraft of £1,000/£1,000 Next - £232.78
    Florida 2017 saving £2,068.12 should be £2,228.12 - owe savings £160 - paying extra in when I can!)Gym 0/15 (Oct)
    • moneyonmymindsam
    • By moneyonmymindsam 22nd Sep 16, 9:26 PM
    • 967 Posts
    • 2,770 Thanks
    moneyonmymindsam
    Evening my Florida Flower


    Snap a week for me ...


    Hurry up payday!!
    ACTUAL LBM FEB 2015 Totals £9,748
    Current debt £0 ...2016

    Savings pot 19th Sept : £3000
    Emergency Pot £375.00
    • monz
    • By monz 27th Sep 16, 11:06 AM
    • 1,697 Posts
    • 3,519 Thanks
    monz
    two days to go!

    Decided to cut lot of people out my life this week, realised how much they have been bringing me down. Hopefully this will also result in a happier me and bank account. Thinking joining gym keep my occupied and away from them xx
    Start debt: (1/9/14) £6,674.52 today (30/9/2016) £1,181.46 (£5,493.06 paid so far) 82.3% paid!
    RBS loan - 24/60 paid back £1,181.46 to pay from (£5,000)
    Beat the overdraft of £1,000/£1,000 Next - £232.78
    Florida 2017 saving £2,068.12 should be £2,228.12 - owe savings £160 - paying extra in when I can!)Gym 0/15 (Oct)
    • abba1772
    • By abba1772 27th Sep 16, 1:44 PM
    • 2,810 Posts
    • 6,404 Thanks
    abba1772
    That's a shame that people are bringing you down but glad to hear you're being positive about it xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £1788.97

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £5064.24/ £6000
    • monz
    • By monz 28th Sep 16, 9:08 AM
    • 1,697 Posts
    • 3,519 Thanks
    monz
    Thanks have to been making myself just miserable and ill. Best doing this for myself and my boy. Focus on health and this debt lol xx
    Start debt: (1/9/14) £6,674.52 today (30/9/2016) £1,181.46 (£5,493.06 paid so far) 82.3% paid!
    RBS loan - 24/60 paid back £1,181.46 to pay from (£5,000)
    Beat the overdraft of £1,000/£1,000 Next - £232.78
    Florida 2017 saving £2,068.12 should be £2,228.12 - owe savings £160 - paying extra in when I can!)Gym 0/15 (Oct)
    • Dolly Rocker
    • By Dolly Rocker 28th Sep 16, 9:10 AM
    • 2,287 Posts
    • 5,797 Thanks
    Dolly Rocker
    Yup focus on the important things in life, your boy & your health.

    Dxxx
    ***Diet 27lbs/84lbs***
    ***Debt £6,186.67/£14,523.76***
    ***Home Savings £0.00/£25,000.00***
    ***NSD October 2016 0/15***
    • abba1772
    • By abba1772 28th Sep 16, 9:31 AM
    • 2,810 Posts
    • 6,404 Thanks
    abba1772
    Thanks have to been making myself just miserable and ill. Best doing this for myself and my boy. Focus on health and this debt lol xx
    Originally posted by monz
    People in your life shouldn't be making you ill so you've defo made the right choice in cutting them out xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £1788.97

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £5064.24/ £6000
    • monz
    • By monz 28th Sep 16, 9:41 AM
    • 1,697 Posts
    • 3,519 Thanks
    monz
    Thanks

    As my best mate says about it - best having few friends than a bunch of bad ones. Quality not quantity.

    Tomorrow is payday. though loan wont come out until maybe Friday or over weekend x
    Start debt: (1/9/14) £6,674.52 today (30/9/2016) £1,181.46 (£5,493.06 paid so far) 82.3% paid!
    RBS loan - 24/60 paid back £1,181.46 to pay from (£5,000)
    Beat the overdraft of £1,000/£1,000 Next - £232.78
    Florida 2017 saving £2,068.12 should be £2,228.12 - owe savings £160 - paying extra in when I can!)Gym 0/15 (Oct)
    • misstara
    • By misstara 28th Sep 16, 10:02 AM
    • 1,809 Posts
    • 11,797 Thanks
    misstara
    As my best mate says about it - best having few friends than a bunch of bad ones. Quality not quantity.
    Originally posted by monz
    Definitely agree with this

    Payday tomorrow for me too, can't wait.

    Do you have a Puregym near you? That's the one I go to and it's really cheap compared to other gyms. I pay less than £20 a month, classes included
    Debt at LBM Jan 2014 £10458.09 Now £642.64 (93.9% paid)
    New flat debt Sept 2016 £520.39 Now £475.65 (8.6% paid)
    Mini Targets
    Gym target - 7/12. Groceries target £102.98/£130. NSD target 12/15.
    • monz
    • By monz 28th Sep 16, 10:20 AM
    • 1,697 Posts
    • 3,519 Thanks
    monz
    The one near me is 30 minutes away. Logically the one next to me is best and I can fit it round me and my son which would be a priority for us both. xx
    Start debt: (1/9/14) £6,674.52 today (30/9/2016) £1,181.46 (£5,493.06 paid so far) 82.3% paid!
    RBS loan - 24/60 paid back £1,181.46 to pay from (£5,000)
    Beat the overdraft of £1,000/£1,000 Next - £232.78
    Florida 2017 saving £2,068.12 should be £2,228.12 - owe savings £160 - paying extra in when I can!)Gym 0/15 (Oct)
    • misstara
    • By misstara 28th Sep 16, 10:34 AM
    • 1,809 Posts
    • 11,797 Thanks
    misstara
    The one near me is 30 minutes away. Logically the one next to me is best and I can fit it round me and my son which would be a priority for us both. xx
    Originally posted by monz
    Makes sense, no point in joining a cheaper gym if it's miles away x
    Debt at LBM Jan 2014 £10458.09 Now £642.64 (93.9% paid)
    New flat debt Sept 2016 £520.39 Now £475.65 (8.6% paid)
    Mini Targets
    Gym target - 7/12. Groceries target £102.98/£130. NSD target 12/15.
    • moneyonmymindsam
    • By moneyonmymindsam 29th Sep 16, 12:03 AM
    • 967 Posts
    • 2,770 Thanks
    moneyonmymindsam
    Yes pick your friends wisely Your bestie is right quality not quantity ...
    ACTUAL LBM FEB 2015 Totals £9,748
    Current debt £0 ...2016

    Savings pot 19th Sept : £3000
    Emergency Pot £375.00
    • monz
    • By monz 29th Sep 16, 10:42 AM
    • 1,697 Posts
    • 3,519 Thanks
    monz
    Payday today finally!!! it has been missed. Will update when loan is out. transferred to savings though ... still short where i want to be but will see what i have end of month. If not drinking and going to be at the gym hopefully have some money left over... i hope :P

    28 days until payday xx
    Start debt: (1/9/14) £6,674.52 today (30/9/2016) £1,181.46 (£5,493.06 paid so far) 82.3% paid!
    RBS loan - 24/60 paid back £1,181.46 to pay from (£5,000)
    Beat the overdraft of £1,000/£1,000 Next - £232.78
    Florida 2017 saving £2,068.12 should be £2,228.12 - owe savings £160 - paying extra in when I can!)Gym 0/15 (Oct)
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