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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,533Posts
    • 6,578Thanks
    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 89
    • Purplemumof2
    • By Purplemumof2 11th May 17, 11:24 AM
    • 4,594 Posts
    • 14,614 Thanks
    Purplemumof2
    Great stuff hun.


    Enjoy the gala tonight
    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
    • abba1772
    • By abba1772 11th May 17, 9:56 PM
    • 3,498 Posts
    • 9,050 Thanks
    abba1772
    We want to see pictures of you in your pretty dress 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
    • monz
    • By monz 15th May 17, 10:33 AM
    • 2,533 Posts
    • 6,578 Thanks
    monz
    Morning!

    Sorry I have not posted! I never got a chance of a picture of me in my dress but I have pics of my hair and make up done by my friend and sister Please be kind. My work raised over £30,000 for those with asbestos conditions to help them. For a we charity in high street Glasgow we done amazing

    I climbed Ben Lomond Saturday in the fog and everything too.

    Sunday was my boys competition. He bet 34 other kids from around the UK (Northern Ireland including) for a bronze in patterns who were all 8, so he has been noted a now a child to watch for by Master Leckie and unfairly did not get a medal get a medal for sparring. He won the first round and all the kids who win first round are due a medal, but they made him fight twice due to odd numbers and lost second time. Try explaining to a six year old that even though other kids won same as him, they get a medal and he did now. I was arguing with the judges and felt awful for him. We will be more prepared next time and so proud of him beating 34 kids all 8-10 when hes just 6 and half






    So a busy weekend lol
    10 days to pay day
    how is everyone 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
    • abba1772
    • By abba1772 15th May 17, 12:03 PM
    • 3,498 Posts
    • 9,050 Thanks
    abba1772
    Your make up was gorgeous you're such a pretty girl xx

    That's a shame about the medal, they need to remember they are working with children 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
    • monz
    • By monz 15th May 17, 12:26 PM
    • 2,533 Posts
    • 6,578 Thanks
    monz
    Thanks Abba trust me just make up made me look human :P

    Aw I know I was arguing with them and then I got upset during it cos my son was crying when he realised 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
    • kirtsypoos
    • By kirtsypoos 15th May 17, 3:27 PM
    • 2,835 Posts
    • 11,864 Thanks
    kirtsypoos
    Monz it's taken me just over a week but I've just finished reading your diary....wow!

    You've come so far and I bet you can't wait for Florida - you and your little man are going to have the most amazing time
    £960/3000 OH BC(68% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £960/31010.23 (96.90% paid)
    Mortgage - £163,450.00 (2017 O/P £1213.91) PAYDBX 17 #006 - £14789.69/14,539.71Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £245.11
    • monz
    • By monz 15th May 17, 3:48 PM
    • 2,533 Posts
    • 6,578 Thanks
    monz
    Aw thanks for reading it! Hope it wasnt too boring for you !

    Aw cannot wait to go!

    Got cashback from TCB of £19.65 transferred to my holiday funds, also as have been good all my house deposit is up to date and on target xx

    Still not received my cheque from Newsvista but should be this week... I hope 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
    • kirtsypoos
    • By kirtsypoos 15th May 17, 4:01 PM
    • 2,835 Posts
    • 11,864 Thanks
    kirtsypoos
    Not boring at all - I was getting quote irate on yours and little ones behalf a few times though!

    How are things with your parents now if you don't mind me asking?
    £960/3000 OH BC(68% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £960/31010.23 (96.90% paid)
    Mortgage - £163,450.00 (2017 O/P £1213.91) PAYDBX 17 #006 - £14789.69/14,539.71Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £245.11
    • monz
    • By monz 16th May 17, 10:44 AM
    • 2,533 Posts
    • 6,578 Thanks
    monz
    Things are better but I wont lie its made a big dent in my relationship with them and I have my guard up with my boy with them and dont accept help as much. We can manage on our own When he turns 16 I have made a decision to cut ties or sooner and when I buy my own house they will not be getting a spare key to it. It was not an easy decision to make but very unhappy but I have noone else to help me the now with my boy school wise etc.

    9 days to payday

    When do you get your holiday tickets? I was wondering as dying to have them in my hands 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 16th May 17, 11:22 AM
    • 4,594 Posts
    • 14,614 Thanks
    Purplemumof2
    Big decision to make and I totally understand your choice.


    Hope you get your tickets through soon. x
    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
    • misstara
    • By misstara 16th May 17, 1:13 PM
    • 2,226 Posts
    • 15,488 Thanks
    misstara
    Your makeup is lovely, you look stunning

    Sorry to hear about the carry on with your boys medal, what a wee shame for him.
    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 £142.56/£150. NSD target 14/16.
    • abba1772
    • By abba1772 16th May 17, 4:15 PM
    • 3,498 Posts
    • 9,050 Thanks
    abba1772
    You never know your parents might actually sit back and realise how much you have done to better yours and your sons life .........hopefully

    I cut ties with my mum a couple of years ago and tbh best thing I ever done 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
    • monz
    • By monz 17th May 17, 9:46 AM
    • 2,533 Posts
    • 6,578 Thanks
    monz
    They wont but I accept that I honestly after last year especially things they have done, want to cut ties and if I could right now I would but I have no one else to help me. It was that bad last year I had started looking into immigration more to New Zealand and leaving. I have only my boy here and only reason why I stay in the UK.

    Anyway 8 days to payday. This weekend I am going to Manchester for the day. I am meeting two woman I met on my fitness group and been good friends with for 3 years we going to meet for lunch. So going to meet for first time

    How is everyone 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
    • reality_check
    • By reality_check 17th May 17, 11:04 AM
    • 553 Posts
    • 986 Thanks
    reality_check
    Oh my goodness, I have just finished reading your diary, took me forever lol


    You have achieved SO much!! You must be so proud of yourself!!


    Not long until Florida, I bet you both can't wait, will be great.


    It's so good to put a face to a name, I have all these images in my head of peoples real names and what they look like on this....anyone else do that?!


    Have a good weekend, you're down my neck of the woods! xx
    • kirtsypoos
    • By kirtsypoos 17th May 17, 11:16 AM
    • 2,835 Posts
    • 11,864 Thanks
    kirtsypoos
    It's so good to put a face to a name, I have all these images in my head of peoples real names and what they look like on this....anyone else do that?!
    Originally posted by reality_check
    It's not just you reality_check, I have an image of every person whose thread I read
    £960/3000 OH BC(68% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £960/31010.23 (96.90% paid)
    Mortgage - £163,450.00 (2017 O/P £1213.91) PAYDBX 17 #006 - £14789.69/14,539.71Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £245.11
    • abba1772
    • By abba1772 17th May 17, 11:38 AM
    • 3,498 Posts
    • 9,050 Thanks
    abba1772
    Have fun in Manchester I'm there in June as that's where we are flying from for holiday as it worked out about £500 cheaper than flying from Glasgow 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
    • monz
    • By monz 18th May 17, 9:59 AM
    • 2,533 Posts
    • 6,578 Thanks
    monz
    Always cheaper down south than Scotland lol!

    A week to payday!! I am surprisingly ok this month money wise. My cheque from Newvista arrived just awaiting that to clear. Will be keeping that in as next month is 5 week month :/ Though if I need shorts have to buy for holiday.. though wont be spending £50 on shorts lol!!! Gonna look in H and M if I find anything, primark I found the bum out is in fashion and lets just say my a** is not coming out :P scare me more than other people the thought of it. Oh might visit Asda.

    8 weeks on Saturday holiday time
    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 19th May 17, 10:18 AM
    • 2,533 Posts
    • 6,578 Thanks
    monz
    6 days to payday. Getting nervous about meeting girls tomorrow since met through facebook but know its ok just para
    cheque not cleared yet. spose does take up to 5 days i guess 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 19th May 17, 11:05 AM
    • 2,226 Posts
    • 15,488 Thanks
    misstara
    So jealous of your 6 days to payday, I've still got 11 days
    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 £142.56/£150. NSD target 14/16.
    • monz
    • By monz 19th May 17, 11:34 AM
    • 2,533 Posts
    • 6,578 Thanks
    monz
    Aw its just money going to holiday spending so really not anything fun buying 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
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