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Need to get myself together: The beginning

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Comments

  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    I go every year. I dont know why biggest scaredy cat ever. M and Ds this year instead Kelburn and 4 of us going lol be like running a marathon for me :P 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
    Keep looking at my spreadsheet and money is so tight every month until April when I get extra £350 per month not paying to my mum and dad. Keep thinking just hold on be fine just hate being money strapped. Will get there but ahhh mini post rant. Have not done surveys or bothered since my sons been in hospital and thats like extra £60 per month so need to get finger out and head down :( 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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Tenth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    It's hard isn't it when it just seems to go on so long.

    April will be here before we know it though.

    Get back into the surveys!

    Dxxx
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    You need to stop giving yourself a hard time you've sorted your son's birthday and his Xmas so there's a reason why the pennies are a bit short 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
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    I agree with Abba :)

    Try and just look forward to April :) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Morning.

    I know will be fine once paid my mum and dad just sulking lol...

    It is so dark and dreary today :( Kind of days I love but when in house :P! Got my halloween decorations up in my house, pretty sure my son is considering leaving the house if I play Hocus Pocus again :P

    16 days until payday... Gonna face my fear and check my bank account oh dear 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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Tenth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Sulk away monz.

    We all need a one every now and then.

    16 days, hurry upppppppppppppp :p

    Dxxx
  • badmemory
    badmemory Posts: 9,708 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Have you looked back to 4 years ago to see how much your position has improved? You only have another half year when things are going to be really tight whilst you pay off the bank of mum & dad & that will vanish in a flash. Then sit back & get ready for the time you are the bank & your DS needs a loan!
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Very true Bad Memory. 4 years ago worse in worst debt, could not imagine getting out it never mind buying my first home :)!

    15 days until payday. Got quite a lot coming up. Halloween chase tomorrow night (already paid for) Charity night (taking car) October week (one day laser tag with my boy n nieces) Pumpkins on Sunday at Annprior and Kevin bridges. A lot been paid for charity. I am taking 25 (ten to cover event and 20 to spend. Laser tag will cost 20 plus McDonalds after. 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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Tenth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Oh busy busy!

    You will have a great time though.

    Dxxx
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