We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Need to get myself together: The beginning

1…2627293132…401

Comments

  • monz
    monz Posts: 4,129
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Forumite
    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
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Forumite
    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
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Forumite
    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
  • 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
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Forumite
    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
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Forumite
    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
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Forumite
    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
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Forumite
    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
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Forumite
    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
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Forumite
    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
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 355.7K Banking & Borrowing
  • 254.9K Reduce Debt & Boost Income
  • 456.1K Spending & Discounts
  • 248.3K Work, Benefits & Business
  • 605.9K Mortgages, Homes & Bills
  • 179K Life & Family
  • 263.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.