Need to get myself together: The beginning

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  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Thanks Dolly! I checked my bank online see if it came out early lol!! Its like Christmas eve today for me lol!

    Nearly finished painting my mums extension will tonight but omg the pain in places I never knew existed lol

    22 days to payday and tomorrow debt free :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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
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    Aw painting is the worst!

    No wonder you are excited, cannot wait for that day.

    Dxxx
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    Woo hoo this must be better than waiting for Xmas 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
  • misstara
    misstara Posts: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Happy debt free day monz! :T:T:T:T:T:T:T:T:T:T
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10789.83/£15000 (71.9% saved). Emergency fund - £1525.51/£2000 (76.3% saved).
  • submarine76
    submarine76 Posts: 142 Forumite
    Debt-free and Proud!
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    Happy debt free day, and very well done!
    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
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    Happy debt free day Hunni well done well deserved xxxxxxx
    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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    You are DEBT FREE!!!
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    monz wrote: »
    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 :D

    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

    Thanks everyone. First thing I done this morning was read my very first post two years ago. I was very depressed and had suffered a breakdown, I have kept most of it to myself. My boy has helped me more than ever through this.

    I cant believe I am saying this but I am debt free :D!!

    Woke up and first thing was checked my bank account and so happy :)!

    I could not have done this without all your help!!

    We have all came so far. Off to update my signature :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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Aw well done lovely!

    Dxxx
  • LABMUM
    LABMUM Posts: 157 Forumite
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    Well done Monz.
    EFC #185 - £510.00/£1000
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