Need to get myself together: The beginning

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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
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) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
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Good luck with your journey! I made quite a lot of mistakes borrowing money for ex boyfriends that I thought were decent at the time and buying them gifts I couldn't afford to look generous. I am also my own worst enemy!
You seem to have everything planned out!
I am looking forward to following your journey!
I'm off to Florida for the first time next march
Survey xmas 2018 savings: £10 / £150
CP xx
Grocery challenge 2017 JAN: £5.56/£350
Thanks counting pennies
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
Survey xmas 2018 savings: £10 / £150
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
This months wage I have to pay my car Tax (kind of have to lol) £71.50 oh and a new tyre. Oh great start haha but thats life
My sons birthday coming up and i have been putting aside
Anyway I have decided with unexpected bills I will can pay an extra £26.46 to Octobers loan repayment. I know its not much but its a start and also £45 to Next account bringing it down
Hopefully by no spending I can decrease my overdraft from 1000-800 this month x
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
It looks like you are doing really well. It is tough being on your own with children, I did it for a number of years, but life does improve and although I made some bum choices with men, I did eventually find a good un! Good luck x
I get paid next week so can properly update this. I also set up an excel for overpayments and think I can be debt free mid 2016... (thats the plan)x
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80