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Need to get myself together: The beginning

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Comments

  • misstara
    misstara Posts: 4,024 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Sounds like you had a good weekend and yay to having money left at the end of the month. I get paid on Friday so counting down the days.
    Mortgage 26.4.25 - £108,500  1.9.25 - £105,664.31
    Mortgage overpayment savings - £7.93/£50
    Mortgage overpayments so far - £800.96
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Thanks Miss Tara

    2 days until payday woo :)! 5 week month though yikes!! thinking in July my savings will be higher than my debt... it made me laugh lol! Cant believe with next month paid over £5,000 to debt in less than two years, basically a house deposit makes me sick with it 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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Payday tomorrow

    Still have £40 left so put £20 to loan and £20 to savings :)

    Every little helps (aw god i sound like tesco :P)

    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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Payday

    I have transferred £200 to my savings.

    Its crazy to see I cd transfer all my savings for Florida plus £200 my account and be debt free. I mean I am not but I am begging to see a tiny dot of light and knowing when I come back from holiday of lifetime with my boy I will be debt free and be able start a fresh with him :) xx

    35 days til payday oh dear 5 week months grrr
    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
  • moneyonmymindsam
    moneyonmymindsam Posts: 2,243 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Combo Breaker
    Sorry not been on - not been going through a good time but hope things are Ok for you.
    I've been paid lol
    Your savings pots look good - well done!
    Keep at it gorgeous you'll soon get there
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Hey Sam aw no sorry to hear that mail me anytime!!

    Loan payment came out. Will wait until interest has been added and try square it a little bit.

    Going to see end day pay extra.

    30 days until payday i hate 5 week months 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
  • moneyonmymindsam
    moneyonmymindsam Posts: 2,243 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Combo Breaker
    Me too!!

    Hope the wee man is good! :)
    Thinking of you - keep up the good work!
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Thanks Sam! He is so good gets his red belt this weekend in tae kwon do and his first competition is this month. He is so excited :)! Will put up a pic after it :)

    29 days until payday x
    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
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Hey Monz :) you are doing soooooo well!!! well done on the savings :) and you are so close to being debt free!!

    Why don't you use your savings to finish the debt off? or can you not do that? xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    I cannot do that I am booking Florida for myself and my son. I have promised him this and I will not let him down we both deserve this just me and him. I will be under 1k by December and June less than £400 when I come back will have two payments left and clear :D 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
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