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Need to get myself together: The beginning

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  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Just emailed o2 in regards to my mobile being recycled and receiving payment. They have confirmed they ahve received my phone and its in processing and i shall receive an email/ text when i am getting my money (£90)

    That with my £100 cheque. £80 towards Loan and £60 towards Next. This leaves me with £50 and tbh I can get Christmas presents in with that and little things :) plus treat for my son 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
  • Hi, just wanted to say well done on what you have done so far and I have subscribed. I so need to get myself sorted, I will face it soon, light bulb is flickering. Can I ask where you are
    Earning your amazon vouchers?
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Thank you :)

    I use valued opinions, opinion world, ipsos i say and sometimes swagbucks (i tend to stop using that cos i get annoyed when I get kicked out :)) 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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Oh cannot believe I have not added!!! 17 days until payday :) 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
  • Hi Monz :wave:

    You sound so positive and you are doing so well! I feel like I am on a halt at the moment but going to get back on track this week!

    Keep going Hon!

    October xx
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Thank you! I will feel better seeing it go down more. Just trying to focus on this more than anything right now!:) Once my cheque clears and the money for phone goes in will feel a lot better... oh and getting rid that Next account. My next target will be Overdraft in new year then the monster loan. How are you getting on 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
  • Hey monz,

    You are doin fab!!

    I was thinking of recycling my phone to pay off the debt too but just not sure I can live without my IPhone!

    We will see if its worth anything when I am due an upgrade I will do it for sure.

    I have the OH using a phone that is 3 years old right now cos we are paying so much less on his contract.

    I just keep telling him its not due yet haha!

    Wonder how long I will be able to get away with that.

    If I can see it out till February I will be over the moon with that.

    Dxxx
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Thanks I got a replacement iPhone in my upgrade that's why I done it lol :)! Waiting for money to go into my account :) 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
    Grrrr just saw they raised the price of the doc mc stuffin check up set on amazon. Need to work extra on vouchers for amazon c
    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: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    How annoying. I'm sure you'll be able to quickly make up the difference, you're doing great :)
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
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