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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,383Posts
    • 5,238Thanks
    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 £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
Page 86
    • monz
    • By monz 31st Mar 17, 11:21 AM
    • 2,383 Posts
    • 5,238 Thanks
    monz
    Just booked me and my boy £141 for a VIP planet Hollywood limo experience for us in Florida. Will pay this back whilst I can. This holiday is our treat for everything we been through with debt and that xx

    Will keep as a surprise for him though so he will not find out

    Also have a pirate show night booked as well
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 2nd Apr 17, 12:28 PM
    • 3,074 Posts
    • 8,059 Thanks
    Dolly Rocker
    Aw he will love that!!!

    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 2nd Apr 17, 9:28 PM
    • 3,406 Posts
    • 8,405 Thanks
    abba1772
    That sounds awesome xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £1285.79
    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 £2015.40 / £6000
    • Dolly Rocker
    • By Dolly Rocker 4th Apr 17, 9:54 AM
    • 3,074 Posts
    • 8,059 Thanks
    Dolly Rocker
    Hey monz,

    Hope you're alright, not heard from you in a couple of days.

    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 4th Apr 17, 5:38 PM
    • 2,383 Posts
    • 5,238 Thanks
    monz
    Hey sorry off this week
    Been pics twice, took out my boys friends out places and today got him a happy meal n got myself a Diet Coke.. won a PS4!?! So that's his main present for his bday in can't believe it!

    How is everyone xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 4th Apr 17, 5:46 PM
    • 3,074 Posts
    • 8,059 Thanks
    Dolly Rocker
    Whatttttt!!!! That is amazing!

    Well done you.

    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 5th Apr 17, 8:45 AM
    • 3,406 Posts
    • 8,405 Thanks
    abba1772
    Hey sorry off this week
    Been pics twice, took out my boys friends out places and today got him a happy meal n got myself a Diet Coke.. won a PS4!?! So that's his main present for his bday in can't believe it!

    How is everyone xx
    Originally posted by monz
    Wow I think you need to buy me a lottery ticket you're quite lucky lol xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £1285.79
    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 £2015.40 / £6000
    • kindofagilr
    • By kindofagilr 5th Apr 17, 12:56 PM
    • 6,010 Posts
    • 20,104 Thanks
    kindofagilr
    OMG Monz well done on winning the PS4!!! xx
    At LBM DFD was Dec 2024
    £47,166.44
    /£38,397.15 ~ 25/03/2017
    ~18.59% Paid

    POAMAYC 2017 #87 PD £4097.77/£10,000

    POAMAYC 2016 #87 PD £7454.80/£7000


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£87,335 (as of 31/03/17) ~ 16.35% Paid

    My Debt Free Diary (Link)
    • monz
    • By monz 10th Apr 17, 9:52 AM
    • 2,383 Posts
    • 5,238 Thanks
    monz
    Thanks everyone

    Sorry I have not been posting, been off work for a week and just needed time away from computers etc.... kind of went into savings again but I had a great weekend off and enjoyed it with my boy

    Wishing payday to move its backside :P 17 days to payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 10th Apr 17, 11:40 AM
    • 3,074 Posts
    • 8,059 Thanks
    Dolly Rocker
    Aw glad you had a ball monz.

    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 11th Apr 17, 11:53 AM
    • 2,383 Posts
    • 5,238 Thanks
    monz
    So skint its unreal!! I really need to manage my money better... and quit smoking again.... (payday getting vape again)

    this weekend I am doing nothing. Try not to spend spend and to go to gym.

    16 days to payday
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • monz
    • By monz 12th Apr 17, 9:55 AM
    • 2,383 Posts
    • 5,238 Thanks
    monz
    Completed first two days of 30 day shred and I am definitely feeling it!

    Nothing to add on money front other than skint!!

    the PS4 I won in McDonalds arrived and as I made the mistake when I won telling my boy (I cd not believe it tbh) I gave him it. Will need to think what to get him for his birthday/ Christmas main. He was so happy though, just need to set this up in his room.

    15 days to payday .... wish it was today :P xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • monz
    • By monz 13th Apr 17, 9:34 AM
    • 2,383 Posts
    • 5,238 Thanks
    monz
    Morning. Thank god its Thursday... strange to say but I have long weekend off :P

    Somehow been roped in Saturday to be taxi and help my sister with my nieces going to some pony party.... help!!

    Other than that quiet weekend

    On another note anyone been watching 13 reasons why. On episode 11 and omg so sad and so good!!!

    14 days to payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • HoneyBee83
    • By HoneyBee83 13th Apr 17, 10:01 AM
    • 323 Posts
    • 3,410 Thanks
    HoneyBee83
    Jealous over your PS4 win Monz!
    That is fantastic!!
    SPC #049 Day 115 DONE.
    Emergency Savings = £135.00/£1,000
    House Savings = £12,400.00/£15,000 + £250.00 Furniture
    Morrisons= £36.00/£100.00 Xmas 2017=£20/£200
    Holiday Fund = £0.00/£1000
    • abba1772
    • By abba1772 13th Apr 17, 12:27 PM
    • 3,406 Posts
    • 8,405 Thanks
    abba1772
    My Abbie is watching that she says the same xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £1285.79
    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 £2015.40 / £6000
    • monz
    • By monz 18th Apr 17, 11:27 AM
    • 2,383 Posts
    • 5,238 Thanks
    monz
    Hope you all had a good easter.

    My gosh 8 girls to watch at a ponys party was too much... boys are so different from girls lol!

    Finished 13 reasons why and just changed my outlook on few things, so graphic the ending cd not watch the r*pe scene and struggled through the suicide. Amazing show though what an eye opener.

    Nothing much update over weekend. I was very good and stayed in. My niece turned 7 yesterday and was on Clyde FM for win a ride tomorrow. Find out tomorrow morning if she wins If anyone listens tomorrow its Sophia

    9 days to payday and struggling lol

    also got myself a vape again. Gonna stick to it and hope i dont lose this one :P xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 18th Apr 17, 11:46 AM
    • 3,074 Posts
    • 8,059 Thanks
    Dolly Rocker
    Wow 8 is a lot!

    Oh I have never heard of that 13 reasons, might need to look it up.

    Aw is she! How good is that, fingers crossed she wins!

    9 days, not too long my lovely.

    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 Apr 17, 1:52 PM
    • 3,406 Posts
    • 8,405 Thanks
    abba1772
    Totally agree with boys being different from girls I find boys easier xx
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £1285.79
    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 £2015.40 / £6000
    • monz
    • By monz 18th Apr 17, 2:27 PM
    • 2,383 Posts
    • 5,238 Thanks
    monz
    Boys are like a dream lol! So glad I have a boy

    Just hit for £50 in newsvista so hoping comes in next few weeks xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida: 15th July 2017 save for spending £1,018 $30 (RBS Rewards £12.40)
    house deposit £5,400.09/10,000 (owe £90)
    Xmas 2017 - 133/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 18th Apr 17, 3:02 PM
    • 3,074 Posts
    • 8,059 Thanks
    Dolly Rocker
    Excellent monz.

    I just cashed out £15 Amazon vouchers this morning & have enough points for a £50 cheque next month - eeeeeek!!!!

    All the other vouchers I had are long gone but all on birthday & Christmas gifts for everyone throughout the year!

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
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