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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
    Aw man did not think of those!!! I saw a house in Blantyre for sale looks nice. Its 3 bed but tech 4 cos attic is converted and I really like it but I am gonna be smart.

    Want to have £2-3k aside and as much as a deposit too. my mum and that said would help but I want to do this on my own as I know their "word" has consequences and rubbish 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
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    From the things you've said about your family in the past I definitely think it's the right thing to do to wait and do it yourself. You'll feel such a sense of achievement to get it done on your own!
    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*
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Exactly Jojo I just blank them normally when they say things like that.

    payday is in 14 days :)!

    VO is at £10.15 will try work on that, cashing out for amazon voucher for £25 and next week due £5 from doing a mini survey for amazon. Need to work on ipsos i say. I use OP for paypal now so I can bump up my deposit (every £2.50 counts ;) I used to use this for amazon but now its paypal.

    Hoping by end of April will have saved enough for a kindle :D

    14 days until payday and this weekend got Carlisle for my boys comp. Was meant to go out Friday for few drinks but abso floored with a throat and chest infection. So night in defo lol 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
    The throat infection is now a full blown chest infection and loaded with cold... aka its money saving as staying in house this weekend... minus road trip to Carlisle for my boys comp wont miss that :)

    VO at £14.65 hope to cash out today.

    13 days until payday, looking forward to changing my signature on house deposit since its been a while since it was really there :)

    Thinking once I hit £7.5 k split money saving between house deposit and lawyer fees blah lolxx
    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
    Hey everyone

    Gonna be a long post.

    First I am getting a new car :D!! It is same as hire car before that I loved and will be £30 per month dearer but its bigger as well plus I feel safer in it after the current car has been hit and I would rather feel safe. I collect it on 30 March so excited, it will be white as well we renault clio

    Also my son never went to his competition Saturday night he got took into hospital with his croup back with vengence it was quite bad and we got an ambulance to take us. He was fine once we got there and when he got his steroid medicine you would never believe he was struggling to breath. He was laughing singing and yes even dancing in the ward the nurses said he was a dream to have on a Saturday night cheering everyone up :) Sunday with not 2 hours sleep I was like death and my son inside running up n down hall pretending to be a dragon... I am sure the recovery was taken out on me :P

    Also got myself a Fire tablet. I had my amazon vouchers and paid £1.98 instead of a kindle as there is a sale plus it includes a kindle and much more.

    Saving now get my neice a 3d puzzle for her birthday next month and I am finished her birthday :D

    VO is at £3.65 and payday is in 10 days xxxx
    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
  • Oh happy new car!!!

    Not so good about mini monz but at least he picked up as soon as he got the steroids in his system.

    it must be horrible having to see him struggle for breath like that.

    Been trying to build up my VO but not really been doing anything at home, will need to get my act together!

    Dxxx
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Got word abt hire car they have acknowledged I have raised a dispute... thats abt it lol 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
    Hope they realise that they're in the wrong Monz! Can't believe it's still going on.

    Hope DS is feeling better and you too
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Happy shiny car.......you get that on my wee grans birthday xx

    Sorry to hear about mini monz how frightening glad to hear he's dancing and running about tho 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
    Morning!

    9 days to payday and 10 days until new car :D

    VO is at £5.90 :) due £5 from a survey this week and hoping to cash out VO amazon next week. Getting the 3D jigsaw

    I am now £40 from where my house deposit was before so hoping to reach that by time I am paid and then when paid will be about £6,650. So might meet my goal of £7k by end April :D

    Viewing a house Thu night. It is near where I live. Two bedroom and in a nice area https://www.primelocation.com/for-sale/details/46382563?search_identifier=0cc5f22590cdb67de1d5d6ed0d20c6a3

    I was thinking I could see if I can get a mortgage with 5k deposit and leaves me with approx £2 for legal fees and crap. Just thoughts. Please let me know if I am being silly lol 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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