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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 98
    • misstara
    • By misstara 12th Jul 17, 4:28 PM
    • 2,453 Posts
    • 17,103 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 £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 0/4. Groceries target £106.86/£150. NSD target 11/18.
    • monz
    • By monz 13th Jul 17, 8:55 AM
    • 2,859 Posts
    • 8,340 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)
    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 13th Jul 17, 8:59 AM
    • 687 Posts
    • 1,485 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!
    Starting debt £18,675.63
    Current debt: £8,250
    • Hiddenidenity
    • By Hiddenidenity 13th Jul 17, 9:07 AM
    • 5,327 Posts
    • 26,177 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 £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • abba1772
    • By abba1772 13th Jul 17, 10:55 AM
    • 3,973 Posts
    • 11,854 Thanks
    abba1772
    Have a fab holiday Hunni you deserve it xx

    Good luck tonight on your date 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
    • kirtsypoos
    • By kirtsypoos 13th Jul 17, 11:10 AM
    • 3,045 Posts
    • 13,518 Thanks
    kirtsypoos
    Have a great date, and an even better holiday with your boy
    £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
    • XSpender
    • By XSpender 13th Jul 17, 11:49 AM
    • 2,685 Posts
    • 27,560 Thanks
    XSpender
    Have a wonderful holiday x
    EF £1000 - £0
    • Purplemumof2
    • By Purplemumof2 13th Jul 17, 12:36 PM
    • 5,354 Posts
    • 18,305 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: £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
    • hign10pines
    • By hign10pines 14th Jul 17, 8:17 AM
    • 359 Posts
    • 358 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 £10 | Prolific - £20.55 £65
    Debt: £7462 | 1250 OD | 189 Aqua | 4773 Loan | 460 Lloyds | 435 Marbles | 355 Barclaycard
    • Purplemumof2
    • By Purplemumof2 14th Jul 17, 8:29 AM
    • 5,354 Posts
    • 18,305 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: £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
    • hign10pines
    • By hign10pines 14th Jul 17, 8:42 AM
    • 359 Posts
    • 358 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 £10 | Prolific - £20.55 £65
    Debt: £7462 | 1250 OD | 189 Aqua | 4773 Loan | 460 Lloyds | 435 Marbles | 355 Barclaycard
    • Hiddenidenity
    • By Hiddenidenity 14th Jul 17, 9:06 AM
    • 5,327 Posts
    • 26,177 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 £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • hign10pines
    • By hign10pines 14th Jul 17, 9:34 AM
    • 359 Posts
    • 358 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 £10 | Prolific - £20.55 £65
    Debt: £7462 | 1250 OD | 189 Aqua | 4773 Loan | 460 Lloyds | 435 Marbles | 355 Barclaycard
    • monz
    • By monz 31st Jul 17, 8:55 AM
    • 2,859 Posts
    • 8,340 Thanks
    monz
    Morning!

    I am back !!! What an amazing holiday me and my boy had Abba I am so excited for you to go. We did have bad storms (worst July they have had for them)but did not dampen our holiday, from swimming with dolphins to patting penguins, sharks, and turtles etc was just amazing! My boy got up stage and fought darth vadar. He got stopped numerous times dressed as Harry Potter at universal and asked for pics by staff. Will post pics later just in work and getting my head round some things Holiday was worth it even if I did overspend a little - my son ruined my in Universal $400 in Harry Potter items :P... Abba get uber app so much cheaper!!!

    How is everyone! Going to check all diaries and then sort out my money crap :P 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
    • Purplemumof2
    • By Purplemumof2 31st Jul 17, 8:58 AM
    • 5,354 Posts
    • 18,305 Thanks
    Purplemumof2
    Welcome back Monz glad you had a nice holiday xx
    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
    • kirtsypoos
    • By kirtsypoos 31st Jul 17, 9:27 AM
    • 3,045 Posts
    • 13,518 Thanks
    kirtsypoos
    Welcome back, so pleased you had a wonderful time! x
    £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
    • Hiddenidenity
    • By Hiddenidenity 31st Jul 17, 10:53 AM
    • 5,327 Posts
    • 26,177 Thanks
    Hiddenidenity
    Welcome back! So glad you had an amazing time Sounds magical x
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • abba1772
    • By abba1772 31st Jul 17, 12:27 PM
    • 3,973 Posts
    • 11,854 Thanks
    abba1772
    Can't wait to pick your brains 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
    • October Starter
    • By October Starter 31st Jul 17, 12:38 PM
    • 653 Posts
    • 3,089 Thanks
    October Starter
    Welcome back Monz!

    My OH wants to start doing surveys, any tips for a newbie?

    October xx
    Loan: 6100.00 4542.08 ~~ Credit Card: 4231.82 #20 Emergency Fund: £249.96/£1000 25%!
    LBM 1: (20.08.14) -£5000.00 LBM 2: (25.07.17) -£9750.00 October Goals NSDs: 0/10, Ibs Lost: 0/10, Xtr Income: £0/£50
    • monz
    • By monz 31st Jul 17, 12:53 PM
    • 2,859 Posts
    • 8,340 Thanks
    monz
    Aw Abba was truly amazing. The last night of our hols my boy turned to me while watching fireworks at magic kingdom and said we made it mum, honestly it made me close to tears and all the hard work, scrimping every penny worth that final moment of our hols!! Ask away Abba!

    October will find my post of the best surveys I find 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
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