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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 1,925Posts
    • 4,047Thanks
    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)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 0/365 No.35
Page 62
    • monz
    • By monz 7th Oct 16, 9:41 AM
    • 1,925 Posts
    • 4,047 Thanks
    monz
    Woo its Friday

    Got gym tonight, tomorrow and Sunday. Also on tomorrow scattering my gran and grandas ashes together tomorrow <3. Tonight will buy milk and bread on Sunday. Aiming for low spend weekend again.

    Ordered my sister a pandora bracelet for her bday in December, came to £20 and already got her a charm for it

    Only need to get my dad (asked for amazon vouchers - will save up and give him £15 plus a gift) my mums (£50 hair voucher - get October wages and vodka bottle) and my sis again with her hubby (got her a we bottle wine set and god knows what else lol maybe groupon deal for the family or vouchers this restaurant they like) and thats me done woo

    Oh sorry anymore amazon vouchers going to extra lil gifts for my boy

    20 days until pay day xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 0/365 No.35
    • Calling14
    • By Calling14 7th Oct 16, 1:38 PM
    • 2,138 Posts
    • 15,168 Thanks
    Calling14
    Wow you are so sorted for pressies. I need to get more organised always leave everything last minute.

    Hope scattering the ashes go well. Always emotional time.

    Enjoy the weekend.
    LBM 13039 1.1.13 Now 4025.00 17/11/16
    EFund #9 £110/£1,000 Saving xmas2016 #22 36/366
    PAYDBX 2016 #16 3260/6947.00 3687 to go
    #13 1debt v 100 days no24 381.27/1199.80 818.53 togo
    • abba1772
    • By abba1772 9th Oct 16, 10:14 AM
    • 2,981 Posts
    • 6,923 Thanks
    abba1772
    Hope you found a lovely spot to scatter the ashes xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £445.58

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7093.80 / £6000
    • monz
    • By monz 10th Oct 16, 9:34 AM
    • 1,925 Posts
    • 4,047 Thanks
    monz
    Thanks Abba we went to Bellahouston park where we used to go as kids with my gran n granda and their ashes were scattered together so they would always be together. My great uncles was scattered week before and that was my grans we brother, she would have liked her brother being near... my son told me not to be ashes when I die incase I go on him lol bless him.

    Went to gym also Fri, Sat and Sun so I can mark off my gym update. Going to metafit tonight so that is my half day as my boy will be in football.

    Hope you all had a nice weekend! 17 days until payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 0/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 10th Oct 16, 1:28 PM
    • 2,646 Posts
    • 7,045 Thanks
    Dolly Rocker
    Aw hon, it's a sad time but they are all together now.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • monz
    • By monz 11th Oct 16, 9:22 AM
    • 1,925 Posts
    • 4,047 Thanks
    monz
    Nothing to add. Its Tuesday night and its the class I always get my boy his donut for after class and his magazine is out. So low spend day

    Tomorrow and Thursday aiming for No spend day

    Rest day from gym tonight.

    16 days until payday. Hope this hurrys up lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 0/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 11th Oct 16, 10:56 AM
    • 2,646 Posts
    • 7,045 Thanks
    Dolly Rocker
    Aw you are such a good wee mammy, bet he loves his wee treat.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • monz
    • By monz 12th Oct 16, 10:42 AM
    • 1,925 Posts
    • 4,047 Thanks
    monz
    Nothing much to update. Going to gym tonight for a quick 30 minutes so will change my gym visit to 7/15 tomorrow

    Off next week on holiday so probably will not post next week its October week here x

    15 days to pay day
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 0/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 12th Oct 16, 11:01 AM
    • 2,646 Posts
    • 7,045 Thanks
    Dolly Rocker
    You're doing so well with the gym monz.

    What you got planned for October week then?

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • monz
    • By monz 12th Oct 16, 11:53 AM
    • 1,925 Posts
    • 4,047 Thanks
    monz
    Monday Tuesday my son has TKD training days. I will spend time in gym. After going to go to park or that. Tuesday pm we are going Millport over night my mum and dad have a place there and come home Wednesday night and Thursday and Friday more TKD training and will go to gym. One of those days I am treating him to Sea Life Centre as he loves the sea world x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 0/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 12th Oct 16, 12:08 PM
    • 2,646 Posts
    • 7,045 Thanks
    Dolly Rocker
    Oh I love Millport!!! Haven't been since I was wee right enough.

    Used to love going to Crocodile Rock!

    Might need to take a trip over there at some point.

    Sounds like a busy week my sweet.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • misstara
    • By misstara 12th Oct 16, 5:00 PM
    • 1,895 Posts
    • 12,513 Thanks
    misstara
    You're putting me to shame with all the gym visits this month monz - I haven't been once yet, well done you
    Debt at LBM Jan 2014 £10458.09 Now £487.50 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £4.05/£135. NSD target 2/15.
    • monz
    • By monz 13th Oct 16, 9:29 AM
    • 1,925 Posts
    • 4,047 Thanks
    monz
    Aw its my boys favourite place to go to crocodile rock! my mum n dads flat is accross road from it too over the beach He is so excited to go.

    Thanks Miss Tara I count during week as half visits as can only do 35 min top

    Went last night to gym. 14 days until payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 0/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 13th Oct 16, 9:35 AM
    • 2,646 Posts
    • 7,045 Thanks
    Dolly Rocker
    You will both have an amazing time.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • monz
    • By monz 14th Oct 16, 9:18 AM
    • 1,925 Posts
    • 4,047 Thanks
    monz
    I cannot believe I am writing this I am literally on cloud 9!!!

    I won in a draw to £5k!!! I am awaiting them returning my email confirming my paypal account. I got the email this morning. All looks legit and survey site I use all the time.

    If this is all sent through I am literally debt free !!! I will also set aside £3,500 towards a house deposit and start saving for this and rest will treat me and my boy to some clothes (mine are very much needed lol!) and remaining will go to Florida fund.

    I cannot believe this!! Hoping to get confirmation received my email return, they have not asked bank details and only confirm my paypal I use through them

    Here is hoping will keep you all updated and praying this is legit. I had someone in my work look at it and he says its legit.

    13 days to payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 0/365 No.35
    • ab_saver
    • By ab_saver 14th Oct 16, 10:24 AM
    • 206 Posts
    • 551 Thanks
    ab_saver
    Wow monz! That's amazing - I hope it's true.
    It'd be amazing to have the last leg of your journey made easier - -and have to put towards your other plans.
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £13.74/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 0/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £1.98/75
    • monz
    • By monz 14th Oct 16, 10:31 AM
    • 1,925 Posts
    • 4,047 Thanks
    monz
    Thanks ab_saver! Email has been sent I have been on their website and confirms everything the email says what they do so looks legit. Will soon find out xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 0/365 No.35
    • abba1772
    • By abba1772 14th Oct 16, 12:14 PM
    • 2,981 Posts
    • 6,923 Thanks
    abba1772
    Omg that's amazing no one deserves it more than you well done Hunni.........what site is this you use????? Xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £445.58

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7093.80 / £6000
    • monz
    • By monz 14th Oct 16, 12:58 PM
    • 1,925 Posts
    • 4,047 Thanks
    monz
    Opinion World. I get surveys from them all time for Amazon vouchers !

    I am just waiting on their reply. Read through terms and conditions on their site so its like legit so in shock xx

    Thank you Abba. Cant wait to see no more debt in loan xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,598.93 (shd be £2,778.93/£180 short)
    Gym 0/15 Dec
    house deposit £3,500/10,000
    Xmas 2017 - 0/365 No.35
    • twiggy86
    • By twiggy86 14th Oct 16, 2:17 PM
    • 1,246 Posts
    • 6,230 Thanks
    twiggy86
    Fingers crossed that it all pays out!!!
    LBM 16.10.14 - TOTAL - £9,863.64 - now £1,344.82
    LBM2 10.10.16 - TOTAL - £5,224.87- now £4,890.88
    £1,000 EF #31 - £438.40/£1,000
    Pay off by xmas 2015 £6,329.96/£5,000
    Pay off by xmas 2016 £613.14/£1,957.96
    Mortgage overpayments 2015 - £500, 2016 - £1,000
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