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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,524Posts
    • 6,531Thanks
    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: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
Page 63
    • monz
    • By monz 14th Oct 16, 2:25 PM
    • 2,524 Posts
    • 6,531 Thanks
    monz
    Thanks I hope so too. Keep checking my emails! Will get me out debt and good chunk savings to a deposit for me n my boy x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
    • Calling14
    • By Calling14 14th Oct 16, 2:29 PM
    • 2,409 Posts
    • 17,864 Thanks
    Calling14
    Wow Monz that's incredible good news, never tend to do their surveys even after joining up I will do from now.

    We shall still the expect your diary to keep going.

    So happy for you x
    LBM 13039 1.1.13 NOW 2080
    PAYDBX 2017 #16 2220/4300 DFD 10/17 ?
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge26 #3 170/ 1400 ends 13/9/17


    • Calling14
    • By Calling14 14th Oct 16, 2:49 PM
    • 2,409 Posts
    • 17,864 Thanks
    Calling14
    Wow hope it all goes through would be amazing.

    Your can't leave your diary though
    LBM 13039 1.1.13 NOW 2080
    PAYDBX 2017 #16 2220/4300 DFD 10/17 ?
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge26 #3 170/ 1400 ends 13/9/17


    • monz
    • By monz 14th Oct 16, 2:58 PM
    • 2,524 Posts
    • 6,531 Thanks
    monz
    Aw I wont be leaving. Will be on Florida saving and house deposit !

    First see if this will happy lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
    • monz
    • By monz 14th Oct 16, 3:02 PM
    • 2,524 Posts
    • 6,531 Thanks
    monz
    definitely do their surveys. I been reading all their terms and conditions and its true they send a waiver form for you to sign to declare they are doing this. just awaiting an email back from them xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
    • misstara
    • By misstara 14th Oct 16, 10:07 PM
    • 2,218 Posts
    • 15,441 Thanks
    misstara
    Fingers crossed it goes through, woohoo that is amazing! So happy for you
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1663.51 (27.7% paid)
    Mini Targets
    Exercise target - 6/12. Groceries target £104.25/£150. NSD target 13/16.
    • monz
    • By monz 16th Oct 16, 1:20 PM
    • 2,524 Posts
    • 6,531 Thanks
    monz
    Thanks! Still not email back going to wait until Tuesday and email them again make sure things are ok xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
    • Calling14
    • By Calling14 18th Oct 16, 1:41 PM
    • 2,409 Posts
    • 17,864 Thanks
    Calling14
    No news as yet? Fingers crossed for you Monz x
    LBM 13039 1.1.13 NOW 2080
    PAYDBX 2017 #16 2220/4300 DFD 10/17 ?
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge26 #3 170/ 1400 ends 13/9/17


    • Dolly Rocker
    • By Dolly Rocker 18th Oct 16, 2:00 PM
    • 3,162 Posts
    • 8,714 Thanks
    Dolly Rocker
    Oh my god monz!!!! This is amazing news.

    I would be checking my inbox like every 2 seconds.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • monz
    • By monz 18th Oct 16, 5:09 PM
    • 2,524 Posts
    • 6,531 Thanks
    monz
    Thanks everyone. They emailed me back today and it's completely true I am in shock. In 3-6 weeks will be in my account. So overwhelmed! They asked me to do a testomonial for them answer a few questions and get a further £25 Amazon voucher, so covers my do for Xmas. Debt free for 2016 now and chunk for a house deposit. After this year this has truly been a blessing xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
    • monz
    • By monz 18th Oct 16, 5:16 PM
    • 2,524 Posts
    • 6,531 Thanks
    monz
    Anyway regardless of my shock lol! I have kept at gym. 12/15 will be there the/fri/sat/sun too making my target already.

    9 days until payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
    • Dolly Rocker
    • By Dolly Rocker 18th Oct 16, 5:24 PM
    • 3,162 Posts
    • 8,714 Thanks
    Dolly Rocker
    I am so happy for you monz!!!

    This is such a great thing to happen.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • abba1772
    • By abba1772 18th Oct 16, 5:43 PM
    • 3,498 Posts
    • 9,044 Thanks
    abba1772
    Amazing news monz xx
    NEXT TARGET HALIFAX CC WAS £3308.35 NOW £3308.35
    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 £2802.67 / £6000
    • hugglemonster
    • By hugglemonster 18th Oct 16, 5:45 PM
    • 232 Posts
    • 1,133 Thanks
    hugglemonster
    Just popping in to say well done, brilliant news for you enjoy being debt free and moving on in your plans.


    Hugglemonster x
    Debt: Overdraft 2 £1200/550.00
    Overdraft 1 £2200 Credit card £2200 Computer £646.52 - PAID!!
    Emergency fund: £0 London savings: £340
    • monz
    • By monz 18th Oct 16, 6:07 PM
    • 2,524 Posts
    • 6,531 Thanks
    monz
    Thank you. Waiting until it happens but such a relief and over whelmed. I never bothered with being entered into draws so in shock xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
    • Purplemumof2
    • By Purplemumof2 18th Oct 16, 8:02 PM
    • 4,583 Posts
    • 14,550 Thanks
    Purplemumof2
    Amazing news! Congratulations

    Really truly pleased for you.

    Looking forward to your Florida and House saving diary now
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7800.00 Cap 1: £420.00 Overdraft: £2750.00

    Lunches to work 5/25 ~ £10pw 2/5

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • monz
    • By monz 19th Oct 16, 9:42 AM
    • 2,524 Posts
    • 6,531 Thanks
    monz
    Morning. Nothing much to add off this week from work

    Taking my boy to soft play today. 8 days until payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending $2,370 exchanged pre election: June to July savings after election £60.13/500 (RBS Rewards £14 pending) (PA: £16) (pending £7.50 survey) pending £20.80 circle
    house deposit £5,506.25/10,000
    • Dolly Rocker
    • By Dolly Rocker 19th Oct 16, 9:51 AM
    • 3,162 Posts
    • 8,714 Thanks
    Dolly Rocker
    Enjoy soft play chick.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • Golightly72
    • By Golightly72 19th Oct 16, 11:18 AM
    • 73 Posts
    • 248 Thanks
    Golightly72
    That's brilliant news Monz, and it feels like karma - £5000 is the exact amount of the loan you took out for you ex, that you've ended up getting stuck with. It's like the universe has decided to put you back where you should have been!
    • misstara
    • By misstara 19th Oct 16, 2:22 PM
    • 2,218 Posts
    • 15,441 Thanks
    misstara
    This is ace news, you must be so happy
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1663.51 (27.7% paid)
    Mini Targets
    Exercise target - 6/12. Groceries target £104.25/£150. NSD target 13/16.
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