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Need to get myself together: The beginning

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Comments

  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Going no where!!:)

    Waiting it to go in bank! I am hoping reach £10,000

    I also just gave £20 to we old man raising money to children cancer fund there. I thought if I am having good luck I have to do a good turn for someone else.

    Proper start saving in January plus Florida saving. Will be sticking strict with money too :) 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
    It's in bank and loan has went down to 37.18 I know interest will be added but November wage paid off ���� house deposit changed so now I'm practically debt free updating signature now 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
    I done the video tonight for winning, I hope it's ok. I stated money will be going to a family holiday to Florida. Didn't want to publicise anything about myself or it's a single parent family or my son. Hope it's ok and I receive £25 Amazon voucher for my dad, if not I am still over whelmed anyway :D won't be on tomorrow it's my boys birthday!

    He had an amazing time today and said mummy I am so lucky to have you honestly made me feel so much love 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
  • misstara
    misstara Posts: 4,026 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    monz wrote: »
    It's in bank and loan has went down to 37.18 I know interest will be added but November wage paid off ���� house deposit changed so now I'm practically debt free updating signature now xx

    :j:j:j congratulations on being (practically) debt free! So happy for you xx
    Mortgage 26.4.25 - £108,500  1.9.25 - £105,664.31
    Mortgage overpayment savings - £16.08/£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
    Thank you Miss Tara!

    Today I went and ordered last of Christmas present in for my boy. A huge Nexo knight lego set down from £99 to £64 and I have a £20 amazon voucher saved up.

    Just need to pay for my sister and her husbands meal voucher, save up amazon vouchers for my dad (through Opinion World - unless I get that £25 through for video which would be amazing :)) and few other things for my friends kids.

    I need to get another we thing for my niece, hers looks bit empty.

    After that I am finished :)!

    17 days until payday. Also waiting to see what interest has been added to loan after paying a chunk off. Will soon see how much my last payment will be :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
  • That is amazing Monz, I'm in awe with how organised you are with Chirstmas.


    Hope DS's birthday was a success, he sounds truly lovely.


    Well done on practically being debt free, I too hope that you are going to stick around :)
  • Well done Monz! I'm chuffed for you, as are all of us who have followed your progress.
    LBM 11 Nov 14 Total Debt £25,013.98 DFD 5 Sep 17 Total Debt £0

    Emergency Fund £800.00
    Mortgage £73,000
    BTL Mortgage £38,000
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Woo hoo to being debt free Hunni and well done on being organised for Xmas I bet you feel like a huge weight is off your shoulders with no longer having to pay for your loan xx can't wait to get that feeling........maybe next year for me xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Thanks everyone. Just watching what interest is added and the last payment going in. i honestly thought would have been mid/end 2017 would have been debt free. The relief I feel is amazing and in time for my boys birthday :)!

    I am going to continue diary and make goals for myself and my boy. After Florida will concentrate on house fund and mini holiday adventures for me and my boy 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
    I received word from them they received my video and thank you, I felt cheeky in asking about the £25 amazon voucher they said I would get for doing the video but I did ask anyway and said its fine if I dont as so happy with winning anyway... did not want to sound cheeky 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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