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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
    Yeah cashed out £10 this morning and just above £1. Hoping next week get another boots vouchers then try getting topshop vouchers n something nice :) xx my bday in Jan so that plan
    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
    Tenth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Good plan monz!

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

    Payday tomorrow and a bills came out early so will have £8 overdraft fee because of that :( Least after this payday its only 2 weeks and 6 days until next wage as xmas wage is early....

    VO is at £2.65 hope to get to £4 but already done one so probably wont.

    need to do OP not done this week... just been lazy :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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Tenth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Aw that's a buggar so it is!!!

    Hate paying OD fees to the bank.

    I have weeks like that aswell, sometimes I just can't be bothered doing them but need to remember our challenge!

    Dxxx
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Gutted on the bank front - what a pain!

    Still going strong on the old voucher front though - I've just cashed out £15 Amazon vouchers on VO and £21 on PA so I feel like I'm finally making progress after a few weeks of not much happening.
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • misstara
    misstara Posts: 3,994 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    That's a pain about the bank charge monz, I would phone the bank and see if they will waive it. About 2 months ago, I got a £10 charge because I'd forgotten to change the date for a standing order. I phoned up to explain and since it was the first time it has happened in years, I didn't have to pay it. It's worth a try :D
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Aw I will just leave it...but payday is here :D:D:D

    2 weeks and 6 days until next one. Though January wages will be 5 weeks 1 day yikes!!

    Gonna buy the switch few other things n boom done with xmas :D

    Its my friends bday night out next week so need a dress for that. Other than that I am set :)

    Ohh got a house viewing on Saturday. Still not rushing anything but will see :) xxx
    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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Happy Payday Monz :D

    Jealous of you being set for Xmas I can't wait to be finished :rotfl:

    Fingers crossed for the house viewing!

    Have a lovely day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Thanks Wannabe

    Also just realised its been a year today I was officially debt free. Still in shock a year on. <3
    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
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Happy Debt Free Anniversary!! :)

    Look how far you've come in a year - all set to buy a house and planning your spending well- I hope you're proud of what you've achieved!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
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