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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
    Its Monday boo!!

    Had a spendy night out Saturday and I am not going to regret it or anything, I rarely do this and I had a great night out :)

    Anyway I am one pound from £10 amazon vouchers from Valued Opinions and 75p from another £2.50. So I am happy with that. No money to add to anything or extra payments.

    11 days until payday but not accepting it until 24 days :) 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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Glad you had a nice night out 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 Abba... was s tad fragile yesterday 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
  • Aloofdragon
    Aloofdragon Posts: 339 Forumite
    Doing fab lovely, my hubby don't get paid til new years eve we used to hate it but now its a blessing as no 6 week January to pay day bit worried this year as first year without overdraft and cards n catalogues etc so have to watch my shopping..God its cold here in Wales today wouldn't be shocked to see some snow soon. X keep warm u n lil un x
    Weightloss -36.5lb/64lb.
    Christmas savings £200/£800.
    Hol savings £300 /£500.
    Birthday savings £50 /£100.
    100 days #20 Credit union £40/£1150
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    It's meant to snow end this week. It's not too bad here in Glasgow? Where in Wales are you from my cousins live in Wrexham :)!

    Also my math skills are poor 17 days until I acknowledge my pay day oops! Lol 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
    Heylo

    So finally took my fear and read my bank balance after Saturday... not too bad I am shocked haha oops!! Going to have a quiet weekend this one me thinks, my bank account needs it that or take my car lol :)!

    Still need to buy Xmas gifts for boy upstairs, woman in my works son, plus my son a few things more or will be thinking bad mummy :(!

    10 days until pay day and 16 days until I acknowledge it :D 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
    Me again :)! Just got £2.50 amazon voucher. Still at £9 with Valued Opinons and since I am so close my emails for surveys from them have stopped :(!when I usually get 2/3 a day grrr 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
    Hello

    Nothing really to declare. Trying not to spend until payday or anything to loan and be good :)! So

    9 days until pay day and 15 days until I acknowledge it 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
    Update.

    Checked Experian site for last time (my month is coming up before I have to pay :P) and I couldnt believe it!!

    When I started I was 886 credit rating, then went up to 904.... well today it is 933!!!:D Thats went up 47 by time I started :D Wow 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
    Me again sorry! Thats me enough to get my £10 voucher for VO :D. Just need it to go in and clear. So this month I have received £22.50 :) 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
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