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Need to get myself together: The beginning

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Comments

  • monz wrote: »
    Should have tried getting a loan instead :/

    If I could lend you the money myself, I would do. I'm sure you'll be rid of it well before March xx
  • badmemory
    badmemory Posts: 9,716 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I totally understand you wanting to pay off their loan as soon as you can, I would want to too. But please try to get an emergency fund in place before you overpay them. That way you will never ever have to go to them again. Even when the loan is repaid they are still going to criticise how you spend your money, they won't be able to help themselves.
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    I am putting 25 a month aside for emergencys :) I have 100 so far also. Wont tell her that though!

    Did no stripping walls last night had two nights break :P but did get my boys school shoes from EK nike retail 20 :D all he needs is that mop of his hair cut and indoor shoes from Asda. Back a week today woo!

    Also saw on Argos a big home sale and got two TV brackets down from 90 to 13.99 and from 50 to 3.99. Collecting them today :). Plasterer is due out next Wednesday so livingroom will look livable in and once painted after a week or two drying, will have my bro in law put the TV up :D! The other one is for me room ;), if I manage to finish my boys room will finish stripping mine and paint it :)

    21 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
  • Great bargains there hun :D

    Glad that you've got your emergency fund started, it'll soon build up.

    It's good that you've had a break, you don't want to burn yourself out, your house will be sorted in no time at this rate :D
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Cashed out my first 10 argos voucher towards my boys birthday. Once get to 30 (max you can spend with voucher!) will get him that laser tag game thing he will love :D 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
  • Well done Monz :D
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Thanks PMO2. Last night was working hard again in my boys room, think I will have all his room stripped and laminate flooring off his walls (yup they are on the walls and replaced the window cill.... Tonight my plans are finish stripping wallpaper off and my room, means I can paint mine tomorrow and thats my room decorated also. Then tomorrow invest in a hammer and use the claw to get off the laminate from wall.

    Plasterer is due to come out next Wednesday and got one visiting Monday to price my boys room (will not be booking its so I know the price to save for :(!)

    20 days until payday. VO is at £1.40. Will try do some OP as well as PA as normal lol
    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
    Morning.

    At the weekend I managed to get 90% of the laminate off. I need a circular saw for part of it as previous owners slid it under the wall... nothing comes easy in this house eh lol! Plasterer says will cost approx £250 to fix my boys room. Will try my best but most likely this will be in 2019 (early)

    I got the fablon on my kitchen units, ran out of fablon so I ordered another roll , so my kitchen will be fully decorated this week (if it arrives on time). My sister still to bring over dining table set they said they would give me in june lol.

    Plasterer is coming out Wednesday for livingroom woo! Finally :D! Started stripping wallpaper in my room, thought it would be easy but nope! Will need lining paper and then can paint.... no clue how to do this but I am sure I will learn fast enough :P!

    I went out Saturday for a cpl drinks, I had cabin fever and was sick of the house. Was home for half 10 :)

    Hope all is well! Hurry up payday 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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Not much to add, last night I took night off from stripping wallpaper off my bedroom. Bloody knackered tbh!

    Hoping to cash out another voucher from VO today at 8 pounds :)

    Plasterer is due to come out tomorrow finally!! Will have a normal livingroom :D! 150 well spent (kept 200 aside as well you never know!)

    16 days until payday yikes! 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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    monz wrote: »
    Not much to add, last night I took night off from stripping wallpaper off my bedroom. Bloody knackered tbh!

    Hoping to cash out another voucher from VO today at 8 pounds :)

    Plasterer is due to come out tomorrow finally!! Will have a normal livingroom :D! 150 well spent (kept 200 aside as well you never know!)

    16 days until payday yikes! xxx

    Can't wait to see the pictures after the plasterer has been 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
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