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Need to get myself together: The beginning

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  • monz wrote: »
    Happy new year!

    Sorry I have not posted, without sounding like a b.... I just wanted a break... and I did overspend etc but I had a lovely time off with my son and ready to be back at it! I am waiting on a cheque to clear and then paying £400 to my mum and dad making it down to £1,250 I owe them and only three more payments. Then I can pay off my overdraft asap and be free of debt minus the biggie of mortgage obv!:P


    Hope all are well :) xx

    We all need a break sometimes, it's good to recharge the batteries and get a new perspective on things.

    You're so close to the end of the parental loan, that's fantastic.

    The OD will be gone in no time after that.

    You're doing great hun, glad DS is much better too xx
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    monz wrote: »
    Morning! Have not been on much due to work switching offices right now for our office is being refurbed.

    Payday is tomorrow so will try update while I can. Paying £400 this month if my aunt gives me money at xmas and then 3 payments left until I paid them off!

    I noticed I had £17 sainsbury vouchers and havea gift card so will be able to get him a game for his xmas free :) Also he asked for a PS4 game called hello neighbour so when paid tomorrow will get him that off amazon xx

    My two got Hello Neighbour on the switch as well :) my son is a little bit scared of it lol 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
    It is cleared and now only £1,250 to pay them back. End of this month will not be council tax so can pay them back £480 for two months then March last payment of £290 :) Then focus on overdraft and sorted :D

    Gonna have to start hammering surveys as my sons communion is in April also :)

    Been eating good since boxing day. I have not weighed myself as I find it has impact on my anxiety and then getting bad eating habits or not eating at all. I am on day 12 of 80 day obsession, took before pics and will see when I finish day 26 (phase 1) first results :) xx

    24 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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    monz wrote: »
    It is cleared and now only £1,250 to pay them back. End of this month will not be council tax so can pay them back £480 for two months then March last payment of £290 :) Then focus on overdraft and sorted :D

    Gonna have to start hammering surveys as my sons communion is in April also :)

    Been eating good since boxing day. I have not weighed myself as I find it has impact on my anxiety and then getting bad eating habits or not eating at all. I am on day 12 of 80 day obsession, took before pics and will see when I finish day 26 (phase 1) first results :) xx

    24 days until payday :( xx

    What is 80 day obsession 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
  • abba1772 wrote: »
    What is 80 day obsession xx

    Sounds painful, whatever it is......:)
  • That will be paid off in no time! Amazing!

    Oh that does sound painful LOL.

    Dxxx
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    It is a beach body workout thing :) its really good though first week I was in pain lol good pain though ;) 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
    Morning.
    In a slight grumpy had only two hours sleep, for no reason just I could not sleep! Hope today hurrys up so can go to bed.

    Today is day 13 of 80 day obsession and tomorrow is a rest day woo!! Hoping to see results from first phase :)

    payday is 22 days away :(! Taking forever!!! This weekend plans is gut the house out. Write down a list for my boys communion and visit kilt place that I won voucher for for hiring one for it also.

    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
  • Ah no good, sleep deprivation is the worst!

    Hope you get back to normal tonight.

    Payday feels like forever away :(

    Dxxx
  • Homegrown0
    Homegrown0 Posts: 1,280 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Sorry you didn't get a good sleep - it really affects your whole day being unrested. I only had about 5 hours last night, but that was my own doing because I was up late then up at 5.30am for the gym so I'm knackered now and it's not even lunchtime!

    You're going great guns paying your parents back - it'll soon be gone and you can shift your focus.
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
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