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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,453Posts
    • 6,205Thanks
    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 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
Page 84
    • monz
    • By monz 17th Mar 17, 9:17 AM
    • 2,453 Posts
    • 6,205 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 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • abba1772
    • By abba1772 17th Mar 17, 12:20 PM
    • 3,465 Posts
    • 8,883 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 CLOTHES MONEY BY END OF MAY: NOW 500 TARGET 500
    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 2493.27 / 6000
    • monz
    • By monz 20th Mar 17, 10:22 AM
    • 2,453 Posts
    • 6,205 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 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 20th Mar 17, 11:42 AM
    • 3,099 Posts
    • 8,515 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
    • 3,465 Posts
    • 8,883 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 CLOTHES MONEY BY END OF MAY: NOW 500 TARGET 500
    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 2493.27 / 6000
    • monz
    • By monz 20th Mar 17, 1:33 PM
    • 2,453 Posts
    • 6,205 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 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 20th Mar 17, 3:52 PM
    • 3,099 Posts
    • 8,515 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
    • 2,453 Posts
    • 6,205 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 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 21st Mar 17, 9:52 AM
    • 3,099 Posts
    • 8,515 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
    • 2,453 Posts
    • 6,205 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 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • HoneyBee83
    • By HoneyBee83 22nd Mar 17, 9:46 AM
    • 327 Posts
    • 3,436 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 145 DONE.
    Emergency Savings #73 = 200.00/1,000
    House Savings = 12,700/15,000 + 250.00 Furniture
    Morrisons= 40.00/100.00 Xmas 2017=20/200
    Holiday Fund = 0.00/1000 School Fund =0.00/200
    • monz
    • By monz 22nd Mar 17, 10:56 AM
    • 2,453 Posts
    • 6,205 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 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • HoneyBee83
    • By HoneyBee83 23rd Mar 17, 9:12 AM
    • 327 Posts
    • 3,436 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 145 DONE.
    Emergency Savings #73 = 200.00/1,000
    House Savings = 12,700/15,000 + 250.00 Furniture
    Morrisons= 40.00/100.00 Xmas 2017=20/200
    Holiday Fund = 0.00/1000 School Fund =0.00/200
    • monz
    • By monz 23rd Mar 17, 9:27 AM
    • 2,453 Posts
    • 6,205 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 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • abba1772
    • By abba1772 23rd Mar 17, 1:44 PM
    • 3,465 Posts
    • 8,883 Thanks
    abba1772
    Aww that was nice of them bet that put a spring in your step xx
    HOLIDAY CLOTHES MONEY BY END OF MAY: NOW 500 TARGET 500
    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 2493.27 / 6000
    • monz
    • By monz 23rd Mar 17, 3:00 PM
    • 2,453 Posts
    • 6,205 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 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • monz
    • By monz 24th Mar 17, 10:53 AM
    • 2,453 Posts
    • 6,205 Thanks
    monz
    After my last post I got a call from my dad, a boy who I mentioned before punched him again but in his face leaving a mark and I wasnt involved. I raced home and found not only that but he was spat on. Vile!!!

    I went to school and met with head first thing this morning, it was two separate incidents the spitting was first in morning and my boy had pushed a boy and he got spat on and teachers dealt with it and second one he told noone. I am very unhappy but my boy was all confused and mixed them up and now I am beginning to be concerned about possibly his communication and it broke my heart but to agree that they can have someone test him. I want to be able to have him looked at and either he is young or if there is something wrong or a delay it being sorted. I feel like such a failure though its literally tearing me apart. The head said a psychologist will meet me first and ask few questions about my pregnancy and now I feel maybe it was me being so depressed and terrified leaving house that has caused him being like this or something. I feel i failed my son.

    Sorry to go on just noone to talk to right now. I have not told my dad I agreed to this as he will go nuts and sees nothing by my boy and nor do i, but I want to have this done for his benefit, he fills you with bits and drabs of things and maybe that is just cos hes young but I want to know, I need to know. My mum agreed with me on this.

    6 days to payday and feeling like and looking like s*** xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
    • Doodles152
    • By Doodles152 24th Mar 17, 11:56 AM
    • 70 Posts
    • 555 Thanks
    Doodles152
    Aww, don't beat yourself up, you sound like an amazing mom to your boy. Hopefully they will just agree that he is young. My 10yr old boy is also very young in his ways etc.
    I know as a parent its hard not to blame ourselves for every little thing that goes wrong.
    Hoping it all turns out okay for you
    Debts to deal with Cap 1 3996.83 3923.43 (0%), Next 1252.21 1211.85 (0%) Very 294.88 282.64, Studio 266.11 256.11 (0%), Halifax card 277.17 466.01
    • Purplemumof2
    • By Purplemumof2 24th Mar 17, 12:59 PM
    • 4,456 Posts
    • 13,989 Thanks
    Purplemumof2
    Aww lovely, you're bound to feel like that, I think every parent will do. You are an amazing mum to your boy and I'm sure the outcome will be what you already know. xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 8000.00 Overdraft: 2750.00

    Lunches to work 0/25 AFD 0/18 10pw 0/5

    20p Savers 2017 2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • monz
    • By monz 24th Mar 17, 1:36 PM
    • 2,453 Posts
    • 6,205 Thanks
    monz
    School phoned, they found the boy who has been bullying him, they have took away any priviliges he gets for next couple weeks and have sent a letter to his parents to come in, with a warning if next time will be suspended. The relief of this is overwhelming for my boy but also the injustice that they did not believe him and it had to be marks on his face before they believed him!?

    I only agreed to the test to rule it out as in my eyes he is perfect and will be always regardless of results and cd even come back normal and just so young.

    got my money for survey 15 added to holiday fund xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending 1,810.77 $30 (RBS Rewards 25.35)
    house deposit 5,506.25/10,000
    Xmas 2017 - 133/365 No.35
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