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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,578Posts
    • 6,780Thanks
    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 £350/500
    house deposit £5,506.25/10,000
Page 94
    • monz
    • By monz 14th Jun 17, 12:23 PM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    You are not at all 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 £350/500
    house deposit £5,506.25/10,000
    • monz
    • By monz 15th Jun 17, 9:50 AM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    2 weeks today to payday.

    Also 30 days until holiday! Today should receive my fast pass codes from travel agents but since all the trouble last time I doubt they will phone with it!! I will be phoning on my lunch for this if not heard by then! Never book with Barrhead Travel!!!

    Had a good we bundle of PA yesterday and today and hopefully soon be approved to over £20 soon Got £6 approved and £16 pending

    Hope all is well

    My boy is off school today as his croup is back ! Hopefully be better later on just kept him off and rest 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 £350/500
    house deposit £5,506.25/10,000
    • abba1772
    • By abba1772 15th Jun 17, 5:40 PM
    • 3,552 Posts
    • 9,237 Thanks
    abba1772
    Hope your wee boy gets better soon xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3529.52
    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 £3076.97 / £6000
    • monz
    • By monz 16th Jun 17, 9:00 AM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    Thanks Abba he had a good sleep last night and in school today for Sports day... I on otherhand had less than an hours sleep as I was worried thinking he would struggle to breathe and I would sleep through it! Main thing is he is ok though <3

    This morning I am due to get my fast pass code for Florida so I can book !!! 29 days to go ahhh!!

    13 days until payday and so poor lol

    on PA £7 approved awaiting £23

    Hopefully get a few surveys today 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 £350/500
    house deposit £5,506.25/10,000
    • abba1772
    • By abba1772 16th Jun 17, 8:17 PM
    • 3,552 Posts
    • 9,237 Thanks
    abba1772
    The PA surveys are addictive aren't they.......I'm checking all the time lol hubby thinks I'm crazy
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3529.52
    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 £3076.97 / £6000
    • Dolly Rocker
    • By Dolly Rocker 18th Jun 17, 4:08 PM
    • 3,245 Posts
    • 9,084 Thanks
    Dolly Rocker
    I love that survey site but I keep missing a lot of them, will just need to log in more often!

    Glad mini monz is feeling a bit better & hope you manage to catch up on some sleep!

    Not long till Florida!!!!

    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 19th Jun 17, 10:25 AM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    Morning everyone my PA is at £40 over all but £10 confirmed ! Loads this morning

    My boy had his competition Sunday won bronze and narrowly missed gold on another, he was so good about it though he just turned to me and went I just need to practice more <3

    i am now loaded with hayfever and the cold, its a nightmare !!

    Aw also I took £60 out my savings - no regrets big deal on lego for my boy and got 3 big boxes to put aside for his bday or christmas xx

    how is everyone!!

    10 days to payday, 26 days until Florida 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 £350/500
    house deposit £5,506.25/10,000
    • Dolly Rocker
    • By Dolly Rocker 19th Jun 17, 10:31 AM
    • 3,245 Posts
    • 9,084 Thanks
    Dolly Rocker
    I'm good lovely.

    Had a couple of PA this morning too, I have £9.64 plus another £3.20 waiting to clear.

    Not bad, only started last week!

    Oh where did you get the Lego, gonna start buying that for my nephew he loves 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 19th Jun 17, 10:53 AM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    Local Asda in Blantyre!

    3 big boxes down from £40 each to £20. I cdnt not get them. Batman ones 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 £350/500
    house deposit £5,506.25/10,000
    • monz
    • By monz 20th Jun 17, 10:25 AM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    Currently with £55 for prolific, somehow I got amazing surveys... but only £15 approved so still waiting on above £20.

    I took a rest from other surveys as sometimes I get bored/headaches etc before dive back in

    9 days to payday, loaded with cold n hayfever lol.

    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 £350/500
    house deposit £5,506.25/10,000
    • reality_check
    • By reality_check 20th Jun 17, 12:24 PM
    • 598 Posts
    • 1,112 Thanks
    reality_check
    I've signed up for it last week before I went away and had £5.00 now I am up at £37.55 and hardly took me any time. I had a £16 one yesterday!! Can't believe I was so anti surveys before, I am loving it!! xxx
    25/01/2016 £18,675.63
    Current debt: £8,450
    • monz
    • By monz 20th Jun 17, 3:48 PM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    I got that £16 one too Its amazing isnt it!!!!! xx

    just cashed in £21. Thats been £60 in 3 weeks with £40 pending still 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 £350/500
    house deposit £5,506.25/10,000
    • Purplemumof2
    • By Purplemumof2 20th Jun 17, 3:59 PM
    • 4,724 Posts
    • 15,122 Thanks
    Purplemumof2
    Well done on the surveys and the lego deal hun x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 20th Jun 17, 4:49 PM
    • 3,781 Posts
    • 15,031 Thanks
    Hiddenidenity
    I'm loving PA too I wouldn't have seen it if it wasn't for here.

    Florida is coming round quick!

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • abba1772
    • By abba1772 20th Jun 17, 5:00 PM
    • 3,552 Posts
    • 9,237 Thanks
    abba1772
    I've got £21.50 confirmed and another £11.90 pending, might just let it build up and it's there for when we get back from holiday

    I find I'm not posting as much on here because I'm constantly on that survey site when I have spare time lol
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3529.52
    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 £3076.97 / £6000
    • monz
    • By monz 21st Jun 17, 9:23 AM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    Haha same Abba I keep refreshing (while in work shhh) lol cashed £21 yest. got £3.50 confirmed and £36 pending

    When come home while be attacking this so helps for Christmas now since my xmas fund is back zero oops!!

    Anyway nothing to report, other than I joined TKD I keep going on about how amazing it is that I thought you know what I am going to join for myself!

    8 days to payday, 3 weeks on Sat until holiday 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 £350/500
    house deposit £5,506.25/10,000
    • misstara
    • By misstara 21st Jun 17, 9:54 PM
    • 2,273 Posts
    • 15,805 Thanks
    misstara
    I definitely need to go and have a look at this survey site, everyone seems to be making mega bucks
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1534.90 (33.3% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £132.97/£150. NSD target 11/16.
    • monz
    • By monz 22nd Jun 17, 9:29 AM
    • 2,578 Posts
    • 6,780 Thanks
    monz
    Aw honestly Tara. 3/4 weeks in and made £115!! £7 confirmed the now (awaiting £21 sent to Circle) £41 pending .

    7 days to payday... did I mentin I hate 5 week months

    nearly weekend 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 £350/500
    house deposit £5,506.25/10,000
    • Dolly Rocker
    • By Dolly Rocker 22nd Jun 17, 9:56 AM
    • 3,245 Posts
    • 9,084 Thanks
    Dolly Rocker
    You guys are doing amazing!

    I only check it a few times a day so need to up my game

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • JoJoC
    • By JoJoC 22nd Jun 17, 11:23 AM
    • 1,039 Posts
    • 3,212 Thanks
    JoJoC
    Hi there, just read a bit of your diary and see that you're local to Blantyre! I'm in Hamilton so not far from you. Might swing by the Asda at lunchtime to check out the lego deals, as my wee boy loves Lego too. I'm waiting on my PA account being verified so fingers crossed I can get in and make some decent survey cash too!

    J
    CC1: 3,774.32/4,200 | CC2: 5,077/5,393 | Loan: 7,430/15,000
    Total: 16,292.57/20,032 Paid since Feb17: 3,739 or 18.66%

    Mummy of two boys - Working hard to make better financial choices!
    *My debt busting and savings diary*
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