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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,307Posts
    • 5,043Thanks
    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 £650 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
Page 84
    • monz
    • By monz 17th Mar 17, 9:17 AM
    • 2,307 Posts
    • 5,043 Thanks
    monz
    Ouch!!!

    17 weeks tomorrow !

    Nothing to update. Another sober weekend ahead lol, cant spend much got an engagement party next Saturday so have to be good lol

    13 days to payday... did I mention how much I hate 5 week months x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £650 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
    • abba1772
    • By abba1772 17th Mar 17, 12:20 PM
    • 3,321 Posts
    • 8,117 Thanks
    abba1772
    We have a spendy weekend coming up all the boys need their hair cut, Abbie is away out with her friends to the shows on Saturday then we are hitting Glasgow on Sunday as hubby wants to get Kk light up trainers for his first concert next month so we are taking the kids bowling at they quayside luckily I have a half price voucher

    Enjoy you quiet weekend sometimes they're the best weekends xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £229.61
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £1504.50 / £6000
    • monz
    • By monz 20th Mar 17, 10:22 AM
    • 2,307 Posts
    • 5,043 Thanks
    monz
    What a weekend.

    Saturday I do not what came over me, I decided to clean everything in my toilet, bought tile paint and paint and decided to paint my bathroom... well I was dancing away to Taylor Swift I literally shaked off a slice of my skin on my hand.. yup I banged it on one sharp corner of the shower lol... looked like a murder scene in my toilet... Healing now :P

    Also Saturday night my friend asked me come round for a catch up and watch Trainspotting two in his. So had a good we night and caught up... when leaving he tried to kiss me.... talk about rooted on spot with fear lol!! I literally patted him on the back and bolted to my car. Talk about unexpected and I was a tad annoyed with him as he has a gf and knows I am against all that so told him off lol.

    Talk about wild Saturday didnt even have a touch of alcohol :P

    10 days to payday and cannot come quick enough xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £650 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 20th Mar 17, 11:42 AM
    • 2,966 Posts
    • 7,778 Thanks
    Dolly Rocker
    Aw jeezo!

    Hope your hand heals okay.

    Oh wah, your pal! Glad you told him off.

    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 20th Mar 17, 11:53 AM
    • 3,321 Posts
    • 8,117 Thanks
    abba1772
    Oooooo naughty boy glad you told him off tho...........men !!!!!

    Ouch to the hand hope it's healing ok but did you finish your painting lol xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £229.61
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £1504.50 / £6000
    • monz
    • By monz 20th Mar 17, 1:33 PM
    • 2,307 Posts
    • 5,043 Thanks
    monz
    Aw I told him off all right lol! He told me he liked me two years ago but thought nothing of it and was going out with his friend at the time and always been firm on saying friends only, but talk about deer in headlights lol!!

    Yeah hands a bit red but got savlon was very close to my wrist tho. yeah I done my painting lol. Was not going to stop as I paid £30 haha xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £650 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 20th Mar 17, 3:52 PM
    • 2,966 Posts
    • 7,778 Thanks
    Dolly Rocker
    Bet he won't pull a stunt like that on you again.

    Aw monz, that will be so sore!

    Haha I would have finished it too!

    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 21st Mar 17, 9:45 AM
    • 2,307 Posts
    • 5,043 Thanks
    monz
    Hope everyone is good!

    475 point to my next £50. This will go towards holiday clothes etc for me and my boy (not that he needs anything lol!) Primark special and Asda :P

    9 days to payday... hate 5 week months!!! xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £650 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 21st Mar 17, 9:52 AM
    • 2,966 Posts
    • 7,778 Thanks
    Dolly Rocker
    Oh not long you will have that £50.00

    This has honestly felt like the longest month ever

    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 21st Mar 17, 10:55 AM
    • 2,307 Posts
    • 5,043 Thanks
    monz
    Only if I get the surveys lol might not get it before holiday :P xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £650 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
    • HoneyBee83
    • By HoneyBee83 22nd Mar 17, 9:46 AM
    • 316 Posts
    • 3,372 Thanks
    HoneyBee83
    Hi Monz,
    I've been reading through your diary over the last week or so and wanted to say well done on your debt-free journey! I was in a similar situation a few years ago thanks to an Ex luckily I have been debt free for a few years now and I am staying that way.

    I see you are taking your little boy to Florida, I took DD last year and we had an awesome time You will both absolutely love it!! xx
    SPC #049 Day 82 DONE
    Emergency Savings = £115.00/£1,000
    House Savings = £11,600.00/£15,000 + £250.00 Furniture
    Morrison stamps/Vouchers= £25.00/£100.00
    Holiday Fund = £0.00/£500.00 Booked Glamping
    • monz
    • By monz 22nd Mar 17, 10:56 AM
    • 2,307 Posts
    • 5,043 Thanks
    monz
    Thank you !!

    I remember talking to you about your furniture saving idea!!! Thank you for taking time out and reading my diary

    Aw I cannot wait to go. Me and my boy are next couple weeks going to Edinburgh for the day as they have started filming avengers so we will be Avenger hunting lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £650 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
    • HoneyBee83
    • By HoneyBee83 23rd Mar 17, 9:12 AM
    • 316 Posts
    • 3,372 Thanks
    HoneyBee83
    Advenger hunting sounds like fun!
    I bet you and your boy will have a great time

    I have become slightly obsessed with these DFW Diaries, can't stop reading through them, they are quite addictive!

    You won't wanna leave Florida, both DD and I are dying to go back...Holiday pot needs some serious attention for that to happen tho xx
    SPC #049 Day 82 DONE
    Emergency Savings = £115.00/£1,000
    House Savings = £11,600.00/£15,000 + £250.00 Furniture
    Morrison stamps/Vouchers= £25.00/£100.00
    Holiday Fund = £0.00/£500.00 Booked Glamping
    • monz
    • By monz 23rd Mar 17, 9:27 AM
    • 2,307 Posts
    • 5,043 Thanks
    monz
    1 week today get paid!! Hurry up payday!!

    sent a claim to TCB as one is outstanding over by 4 weeks. Need this and my other amazon vouchers to cover for my suitcase :P

    got a newvista survey and didnt qualify !! 475 points to go to £50 !
    Hoping will come so I can get myself and my son rest holiday items but will not rely on this

    posted on my fb yesterday that it was 7 years ago that day I found out I was having my boy and how things changed and a girl who I barely talk to commented saying even though we dont talk she has heard what I been through with my ex (his sperm donor) and how amazing I am as a single mum going it alone and what an amazing boy I have who doesnt miss out on anything... I was so took back by it it meant the world to me.

    Engagement party Sat, my sis says I can raid her wardrobe xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £650 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
    • abba1772
    • By abba1772 23rd Mar 17, 1:44 PM
    • 3,321 Posts
    • 8,117 Thanks
    abba1772
    Aww that was nice of them bet that put a spring in your step xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £229.61
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £1504.50 / £6000
    • monz
    • By monz 23rd Mar 17, 3:00 PM
    • 2,307 Posts
    • 5,043 Thanks
    monz
    It really did

    Got an email from taking part in a research getting £15 in next couple days paypal. This will go to my holiday spending

    Will update once goes in xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £650 $30 (RBS Rewards £12.40)
    house deposit £5,300.09/10,000
    Xmas 2017 - 133/365 No.35
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