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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,859Posts
    • 8,340Thanks
    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 £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
Page 97
    • JoJoC
    • By JoJoC 5th Jul 17, 12:05 PM
    • 1,241 Posts
    • 4,013 Thanks
    JoJoC
    Wow - you're doing so well with PA! I just joined last week and I've been doing them on and off, but trying to get on a few times most days. I have £8.20 cashed out and £27.90 pending. I might look into Circle so that I don't need to rely on PayPal.

    Do you use Valued Opinions? I've found that pretty decent for building up cash - it's quicker to build up than OnePoll but more in depth surveys. It's not as quick as PA of course, but when I'm not getting any surveys on PA i check there and there's always a few 75ps and £1 surveys to be done. I'm at £15.75 on there and can cash out if I want but I'd like to build it up for Christmas.

    Bet you're excited for the holidays
    CC1: £3804.52 / £3704.32 £100.20 paid | CC2:£5027.53 / £4927.48 £100.05 paid | Loan: £15,000 / £13,932.24 (£1067.76 paid)

    July debt total: £23,832.05 | New debt total: £22,564.04 | Total debt paid: £1,268.01 (5.3%)
    *My debt busting and savings diary*
    • Hiddenidenity
    • By Hiddenidenity 5th Jul 17, 1:10 PM
    • 5,327 Posts
    • 26,177 Thanks
    Hiddenidenity
    Single figures came round so quick

    I can't wait to hear of your adventures
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • monz
    • By monz 5th Jul 17, 1:12 PM
    • 2,859 Posts
    • 8,340 Thanks
    monz
    I like Valued Opinion I use this for my cinema tickets meaning only £5 for my boy and our days out xx

    Have you ever been to Culinger park across from Dalmarnock Tesco/ McDonalds. Its amazing for kids! I usually take him pics then there for day and ice cone after. Great we day costing less than £10 with voucher xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • abba1772
    • By abba1772 5th Jul 17, 8:25 PM
    • 3,973 Posts
    • 11,854 Thanks
    abba1772
    Not long til your holiday........I actually missed taking my surveys will get back on it xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4791.47
    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 £6029.74 / £6000
    • monz
    • By monz 6th Jul 17, 9:16 AM
    • 2,859 Posts
    • 8,340 Thanks
    monz
    Welcome back Abba !!!!!!

    9 days until Florida!! Single digits

    3 weeks to payday

    Tonight I am collecting our tickets and that so excited!!!!!

    Nothing else to post. Have a good day everyone xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • kirtsypoos
    • By kirtsypoos 6th Jul 17, 9:36 AM
    • 3,045 Posts
    • 13,518 Thanks
    kirtsypoos
    Eeeek! It'll be here before you know it Monz!
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • monz
    • By monz 7th Jul 17, 10:09 AM
    • 2,859 Posts
    • 8,340 Thanks
    monz
    Good morning! its Friday and tonight helping my friend with her house. Tomorrow I am mum taxi to my boy for two birthday parties and Sunday mum taxi again as taking my boy and his friend out to softplay for the day.

    Got my tickets last night and over weekend will finish packing . 8 days to go now

    20 days until payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • reality_check
    • By reality_check 7th Jul 17, 11:25 AM
    • 687 Posts
    • 1,485 Thanks
    reality_check
    Sounds like someone has a great social life!

    Must all be starting to feel very real now - tickets in hand!!

    Have a good weekend x x
    Starting debt £18,675.63
    Current debt: £8,250
    • abba1772
    • By abba1772 7th Jul 17, 1:01 PM
    • 3,973 Posts
    • 11,854 Thanks
    abba1772
    Remember to put your tickets in a safe place lol xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4791.47
    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 £6029.74 / £6000
    • monz
    • By monz 7th Jul 17, 2:48 PM
    • 2,859 Posts
    • 8,340 Thanks
    monz
    They are in my travelling bag with money, travel insurance details and my hat lol for arriving in xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • monz
    • By monz 10th Jul 17, 9:45 AM
    • 2,859 Posts
    • 8,340 Thanks
    monz
    Monday is here! 5 days until holiday!!!! Cannot wait.

    Will finish packing tonight and that will be us ready to go

    xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 10th Jul 17, 9:46 AM
    • 3,414 Posts
    • 9,765 Thanks
    Dolly Rocker
    Eeeeeeeeeek!

    5 days!

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • Purplemumof2
    • By Purplemumof2 10th Jul 17, 9:52 AM
    • 5,354 Posts
    • 18,305 Thanks
    Purplemumof2
    Monday is here! 5 days until holiday!!!! Cannot wait.

    Will finish packing tonight and that will be us ready to go

    xx
    Originally posted by monz
    Oh my days! 5 to go...Super Excited for you and your boy
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • Hiddenidenity
    • By Hiddenidenity 10th Jul 17, 10:02 AM
    • 5,327 Posts
    • 26,177 Thanks
    Hiddenidenity
    EEK so close!!

    I'm excited for you!
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Calling14
    • By Calling14 10th Jul 17, 1:23 PM
    • 2,506 Posts
    • 18,597 Thanks
    Calling14
    Have a great time Monz. Florida is ace you will love it.
    LBM 13039 1.1.13 NOW £1040
    PAYDBX 2017 #16 £3260 /£4300 DFD 12/17
    E
    Fund #9 £100/£1,000
    1 x 100 days challenge £1161.71/2000 ends 29/12/17


    • abba1772
    • By abba1772 10th Jul 17, 2:00 PM
    • 3,973 Posts
    • 11,854 Thanks
    abba1772
    I'll be picking your brains when you get back xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4791.47
    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 £6029.74 / £6000
    • monz
    • By monz 11th Jul 17, 10:35 AM
    • 2,859 Posts
    • 8,340 Thanks
    monz
    Thanks everyone!

    Never got round to packing last night, my boy stayed at my mum n dads cos he has tkd training day so this way he gets a long lie so I went to my friends helped paint her house again. Will try tonight and pack 4 days to go just cant wait to get away just me and my boy

    xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • monz
    • By monz 12th Jul 17, 10:07 AM
    • 2,859 Posts
    • 8,340 Thanks
    monz
    3 days ahhhhh!!

    Case is officially packed... then realised I left the toothbrush and toothpastes out and eye liner (my boy wants me to draw a lightening scar on top his head :P)

    Feeling more real. I am getting a bit scared now but so excited xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mums xmas vouchers boots 50/50 sisters xmas vouchers topshop 30/30 Dads xmas voucher amazon (surveys) 30/30
    holiday - £402.62/1064.72
    Australia 2019 - /5000
    • Dolly Rocker
    • By Dolly Rocker 12th Jul 17, 10:20 AM
    • 3,414 Posts
    • 9,765 Thanks
    Dolly Rocker
    Ah monz I am soooooooooooooooooooo excited for you!!!!!

    Eeeeeeeeeeeeeek!

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • kirtsypoos
    • By kirtsypoos 12th Jul 17, 10:41 AM
    • 3,045 Posts
    • 13,518 Thanks
    kirtsypoos
    It'll be here before you know it, I bet you and your boy are bouncing with excitement
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
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