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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 2,578Posts
    • 6,788Thanks
    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 98
    • misstara
    • By misstara 12th Jul 17, 4:28 PM
    • 2,281 Posts
    • 15,851 Thanks
    misstara
    Can't believe how quickly it's come round, so exciting
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1431.96 (37.8% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £137.55/£150. NSD target 15/16.
    • monz
    • By monz 13th Jul 17, 8:55 AM
    • 2,578 Posts
    • 6,788 Thanks
    monz
    Today is my last day at work so will probably not post until back from holiday 2 days to go !

    Tomorrow having my hair done woo!! so excited and scared as well. Got a date tonight too lol going to an ice cream place 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 £350/500
    house deposit £5,506.25/10,000
    • reality_check
    • By reality_check 13th Jul 17, 8:59 AM
    • 603 Posts
    • 1,131 Thanks
    reality_check
    Hope you have a fantastic holiday! You sound like such a lovely person, and are a great mum to your son, you both deserve this such earned holiday xxx

    p.s Hope the date goes well too!
    25/01/2016 £18,675.63
    Current debt: £8,450
    • Hiddenidenity
    • By Hiddenidenity 13th Jul 17, 9:07 AM
    • 3,918 Posts
    • 15,570 Thanks
    Hiddenidenity
    Hope you have a fantastic holiday! You sound like such a lovely person, and are a great mum to your son, you both deserve this such earned holiday xxx

    p.s Hope the date goes well too!
    Originally posted by reality_check
    From me too x

    Have the most amazing time

    DFW £653.71/£6098.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    • abba1772
    • By abba1772 13th Jul 17, 10:55 AM
    • 3,561 Posts
    • 9,337 Thanks
    abba1772
    Have a fab holiday Hunni you deserve it xx

    Good luck tonight on your date xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3442.93
    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 £3190.21 / £6000
    • kirtsypoos
    • By kirtsypoos 13th Jul 17, 11:10 AM
    • 2,768 Posts
    • 12,322 Thanks
    kirtsypoos
    Have a great date, and an even better holiday with your boy
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • XSpender
    • By XSpender 13th Jul 17, 11:49 AM
    • 2,568 Posts
    • 26,543 Thanks
    XSpender
    Have a wonderful holiday x
    PAYDBX 2017 #99 from 4/5 - £2664.28/£10,000 26.6%
    Total Owed £39,547.78 May '17 Total owed July 17 £36883.50 Savings goal £1000 EF - £400
    DFD - May 2021 goal Feb 2020
    • Purplemumof2
    • By Purplemumof2 13th Jul 17, 12:36 PM
    • 4,774 Posts
    • 15,256 Thanks
    Purplemumof2
    Have a lovely holiday and enjoy your date too x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £600.00 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • hign10pines
    • By hign10pines 14th Jul 17, 8:17 AM
    • 333 Posts
    • 337 Thanks
    hign10pines
    I think I am in love with PA - my absolute favourite! I cashed out £23 last week, have got £19 confirmed and £16 pending already x
    Originally posted by kirtsypoos
    Everyone seems to have luck with PA. Me I never get surveys

    Surveys 2017: Opinion Outpost - £5 | Prolific - £20.55
    Debt: £8980 | 4937 @ 20.6% | 450 @ 49.9% | 1543 @ 42.9% | 550 @ 6.9% | 200 @ 30.6% | 100 @ 25.95 | 1250 @ 19.89
    • Purplemumof2
    • By Purplemumof2 14th Jul 17, 8:29 AM
    • 4,774 Posts
    • 15,256 Thanks
    Purplemumof2
    Everyone seems to have luck with PA. Me I never get surveys
    Originally posted by hign10pines
    Took me a while to figure out, once you've completed the pre-screening questions, then they appear.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £600.00 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • hign10pines
    • By hign10pines 14th Jul 17, 8:42 AM
    • 333 Posts
    • 337 Thanks
    hign10pines
    Took me a while to figure out, once you've completed the pre-screening questions, then they appear.
    Originally posted by Purplemumof2
    Oh I've done them, so far I've had one at £1.25 and currently one for 90p! Is one only shown at a time? I don't really want to spend 22 min to claim 90p

    Surveys 2017: Opinion Outpost - £5 | Prolific - £20.55
    Debt: £8980 | 4937 @ 20.6% | 450 @ 49.9% | 1543 @ 42.9% | 550 @ 6.9% | 200 @ 30.6% | 100 @ 25.95 | 1250 @ 19.89
    • Hiddenidenity
    • By Hiddenidenity 14th Jul 17, 9:06 AM
    • 3,918 Posts
    • 15,570 Thanks
    Hiddenidenity
    Oh I've done them, so far I've had one at £1.25 and currently one for 90p! Is one only shown at a time? I don't really want to spend 22 min to claim 90p
    Originally posted by hign10pines
    It doesn't take 22 mins. It takes 5 mins (average completion time)
    The 22 mins is the maximum time you have to complete once you click start study - after the 22 mins you 'time out' and won't be able to access it/complete it.

    Also no not one at once but it's better if it is as 9 times out of 10 you'll find once you've finished one study the other would be full anyway if they'd both appeared at the same time.


    Hope this helps

    DFW £653.71/£6098.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    • hign10pines
    • By hign10pines 14th Jul 17, 9:34 AM
    • 333 Posts
    • 337 Thanks
    hign10pines
    It doesn't take 22 mins. It takes 5 mins (average completion time)
    The 22 mins is the maximum time you have to complete once you click start study - after the 22 mins you 'time out' and won't be able to access it/complete it.

    Also no not one at once but it's better if it is as 9 times out of 10 you'll find once you've finished one study the other would be full anyway if they'd both appeared at the same time.


    Hope this helps
    Originally posted by Hiddenidenity
    Went to compete that one and it was full. No more waiting for me now. Opinion Outpost is better, I gained 40 points since yesterday but have been screened out off all today so far.

    Surveys 2017: Opinion Outpost - £5 | Prolific - £20.55
    Debt: £8980 | 4937 @ 20.6% | 450 @ 49.9% | 1543 @ 42.9% | 550 @ 6.9% | 200 @ 30.6% | 100 @ 25.95 | 1250 @ 19.89
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