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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,792Posts
    • 7,961Thanks
    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)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
Page 87
    • monz
    • By monz 19th Apr 17, 9:29 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    This £50 is going on Primark... holiday tops/ shorts and a beach towel lol xx

    over a day not smoking and using my vape. In a few weeks will be cutting my vape down also

    8 days to payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 19th Apr 17, 9:53 AM
    • 3,350 Posts
    • 9,477 Thanks
    Dolly Rocker
    Oh lovely, have you seen anything you have your eye on yet?

    I love a wee Primark shop.

    Dxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • monz
    • By monz 19th Apr 17, 10:11 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    I need to find a Harry Potter top for my boy lol I know I can get mine in Primark and just plain vests/tops. I will get his shoes nearer time as he grows so quick lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 19th Apr 17, 10:16 AM
    • 3,350 Posts
    • 9,477 Thanks
    Dolly Rocker
    They always have loads of wee Harry Potter tops in there.

    I was in last week & they had a nice wee black Deathly Hallows top which had wee holes in it near the shoulder - sounds awful but was lovely so it was!

    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 20th Apr 17, 9:22 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    Ohhh I havent seen any for we boys though. will try argyle street though had only popped into the forge xx

    7 days to payday
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 20th Apr 17, 10:43 AM
    • 3,350 Posts
    • 9,477 Thanks
    Dolly Rocker
    They have got too have some, I am sure of it.

    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 Apr 17, 11:31 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    Ah Friday

    So much to do this weekend. my niece party, my friends bday night out and then a christening sunday. have to dig into savings big time!

    Next month cutting nights out and that big time and becoming a hermit lol xx 6 days to payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • abba1772
    • By abba1772 21st Apr 17, 2:01 PM
    • 3,853 Posts
    • 11,121 Thanks
    abba1772
    Don't get too drunk before the christening lol xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5388.67
    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 £4884.64 / £6000
    • kindofagilr
    • By kindofagilr 23rd Apr 17, 11:32 AM
    • 6,074 Posts
    • 20,404 Thanks
    kindofagilr
    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
    Originally posted by monz
    I LOVE my vape, I quit smoking on Sept 2015 and haven't looked back, used the vape, started off on 12mg bottles, then every 3 months reduced it (so 9, 6, 3 and then 0). I still use it but like literally once a day if that, but I've had no nicotine in it for over 9 months, I don't know if I will ever not do it that once a day, but I don't see an issue with once a day lol I spend like £10 a month on juice if that xx
    At LBM DFD was Dec 2024
    £50,820.17/£50,183.55 ~ 29/09/2017
    ~ 1.25% Paid

    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • monz
    • By monz 24th Apr 17, 9:51 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    my god a busy weekend over and I am shattered and completely floored by hayfever lol :P

    oh whats non nicotine like? I am going to work my way down them n try nothing on holiday

    payday this thu woo!! finally

    Also thinking i might change my money over for Florida before the election... thoughts?xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 24th Apr 17, 10:34 AM
    • 3,350 Posts
    • 9,477 Thanks
    Dolly Rocker
    I think I had hayfever yesterday - wasn't very nice at all!

    We get paid Friday, already spent most of it - whoops!

    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 25th Apr 17, 9:22 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    Aw hayfever is the worst!!! People should not cut their grass if weather is nice :P

    2 days to payday. Got loads to pay out but going to be mega strict now.

    80 days to holiday, going to start that countdown xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 25th Apr 17, 9:34 AM
    • 3,350 Posts
    • 9,477 Thanks
    Dolly Rocker
    2 days for me too.

    80 days! I love a countdown!

    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 25th Apr 17, 1:31 PM
    • 3,853 Posts
    • 11,121 Thanks
    abba1772
    Woo hoo only 80 days to go........wonder how long it is til we go away too.......Way to check xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5388.67
    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 £4884.64 / £6000
    • misstara
    • By misstara 25th Apr 17, 4:29 PM
    • 2,403 Posts
    • 16,668 Thanks
    misstara
    2 days for me too

    That 80 days will fly by!
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1419.40 (38.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £127.46/£150. NSD target 11/20.
    • monz
    • By monz 26th Apr 17, 10:24 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    Check Dolly. Me and my boy made a calender for ourselves and put it up on door to score off 79 days now

    payday tomorrow finally!!!! then skint again as bills/payments to hols lol

    still waiting that £50 come through xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • abba1772
    • By abba1772 26th Apr 17, 11:04 AM
    • 3,853 Posts
    • 11,121 Thanks
    abba1772
    We are 59 days to go thought I had longer to wait lol xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5388.67
    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 £4884.64 / £6000
    • kindofagilr
    • By kindofagilr 26th Apr 17, 12:55 PM
    • 6,074 Posts
    • 20,404 Thanks
    kindofagilr
    Non nictone is fine I was a bit grr the first couple of days, but cos I had lowered it bit by bit I was fine. xx
    At LBM DFD was Dec 2024
    £50,820.17/£50,183.55 ~ 29/09/2017
    ~ 1.25% Paid

    POAMAYC 2017 #87 PD £8670.87/£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/£86,057.00 (as of 31/08/17) ~ 17.57% Paid

    Holiday 2018 Fund = £322.03 ~ 29/09/17
    Lost Weight 4/48 Lbs ~ 02/10/17
    Survey money 2017 = £107.00 ~ 14/09/17

    My Debt Free Diary (Link)
    • monz
    • By monz 27th Apr 17, 9:46 AM
    • 2,792 Posts
    • 7,961 Thanks
    monz
    payday today 28 days til next one :P

    78days to holiday. My son made up a countdown calender last night

    paid money to my holiday fund. Tempted next month before elections to exchange my money 1.27 seems to be best deal :/

    Will wait until end of month before transfer money to house dep fund and focusing on other things.

    Spent £30 already on my niece bday present (should be 40 but I had amazon vouchers) Take that off a week spending I would have done on cigs lol!

    Also joined a forum which I apparently get paid $10 per month and also sometimes get additional rewards which is good enough for me xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,971.23/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 0/30 (£15 pending)
    holiday - £237.81/1064.72
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 1st May 17, 11:58 AM
    • 3,350 Posts
    • 9,477 Thanks
    Dolly Rocker
    Aw how cute, he will love marking that off every day.

    That sounds like a great wee forum, can't go wrong with $10 a month!

    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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