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Need to get myself together: The beginning

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  • Well done on improving your score, and I have just joined opinion world after reading your diary :O)
    LBM 11 Nov 14 Total Debt £25,013.98 DFD 5 Sep 17 Total Debt £0

    Emergency Fund £800.00
    Mortgage £73,000
    BTL Mortgage £38,000
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Thank you :)! Aw amazing, honestly they are fantastic I get between £5-10 a week from them and I only do it during the week 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!
    I've joined experian fir a 30 day free trial as I'm a member of check my file but my credit score doesn't seem to be moving even though I'm paying way more than minimum on my repayments 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
    Mine changed every second week I've noted. Do you think that's why? How often do you check?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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    monz wrote: »
    Mine changed every second week I've noted. Do you think that's why? How often do you check?xx

    Once a month it changes and it's still a couple of payments behind so my debt looks more than what it is 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
  • Morning lil elf of the survey world what have you got planned for weekend anything nice xx Soon be payday lol 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
    Abba - I dont know how mine has changed twice since I started. On another note cancelled my Experien today before payment charges :D They really try and make you stay dont they.

    Morning Aloof :)! This weekend I am going back out. Since I am single again I am beginning to get myself back out there so to speak lol what about you?

    Got another £2.50 today so ordered my sons building blocks. I am being greedy in hoping this but hoping another £10 before end of next week but I am fine if not :)!

    Wooo 8 days until payday aka 14 days until I acknowledge it :D 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
  • Oh back out there huh, Mr perfect could be right around the next corner.. God I can't remember what it's like to be single I split from my eldest 2's dad at 30 and fell in love with my lil un at 34 ooo they were the most amazing 4 years lol I feel quite sad for people who feel the need to rush into the arms of anyone who will have them cos they don't have the confidence to find the real person inside of them I loved having time with my eldest 2 just us three was fab, the sharing them every weekend and Christmas was horrific though.
    .




    It is my sons 8th birthday tomorrow so got a cake for school and one for at home and prezzies tomorrow we were supposed to be going out for the day shopping Saturday buy hubby got to work so will do that Sunday instead, he had the option of taking his 6 best mates to cinema and for food after or having the cash to spend himself so he chose the latter ... build a bear, dinner somewhere and toys r us and smyths on the cards I think .. O and winter wonderland in Cardiff to finish off the day.


    .
    I am starting to feel really anxious about Christmas now we still have vouchers and cash etc so no real need, 21 days for hubbys payday thankfully I am weekly :)
    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
    Right now I dont trust any men and dont want anyone, just enjoying being out with friends more the now. I dont share custody with my sons sperm donor, he left us when i was pregnant but my mum and dad asked if they cd have them at the weekend :).

    Aw happy birthday to your boy :) so close to christmas too yikes!!! you are very prepared :) 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 :) Incredibly lucky just got another £2.50 amazon voucher. 100 points away from £10 from Ipsos too :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
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