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Need to get myself together: The beginning

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  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Early night tonight monz???? You must be shattered 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
  • badmemory
    badmemory Posts: 9,670 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I know you are very keen to pay off your parents & totally understand, as I've said before. But if you are paying interest & charges on your overdraft, would it not be better to repay your parents to the schedule agreed & reduce your bank charges, rather than overpay your parents. Of course if they keep raking it up then you have made exactly the right decision
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    I would rather the mental mind of paying them off first, my mental health and them going on I would rather the charges because I dont have them down my bank. Otherwise I completely agree with you!

    Will get there though!

    3 weeks to 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
    Thank god its Friday!!!! 20 days until payday though :(!

    I set up an insta page for my house, mainly so I can remember the state it was before and making progress pics. Sad yes but I like it :) - No24_makingitahome

    Need to get some food shop done today, exercise tonight as I thoroughly enjoyed my rest day yest! and clean the blinking house lol! Also try not to spend on stupid things!

    My renewal for car insurance is up next month. Done a quote with who I am with (dunno why I am paying £44 a month!) new quote with them is £32 with £100 excess.. lets hope my renewal with them goes like that :P or will be on phone telling them I was quoted cheaper! will see soon I guess
    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
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    monz wrote: »
    It is a beach body workout thing :) its really good though first week I was in pain lol good pain though ;) x

    Love beachbody, I am restarting T25 next week, I can only manage it 4 days a week normally, so I do it thursday - friday (my non working days unless I am in on overtime on the weekend, I will still be able to do it though) 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)
  • Morning lovely,

    Found your instagram account and followed :)

    Good luck with the renewal x
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    I’m following you on insta now too :) 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
    Hey

    Sorry I have not posted just thought everyday will be the same kind of post, poor skint January and roll on payday lol!

    Got amazing news my friend who last her baby last year gave birth an hour ago to a healthy lil boy <3 so happy for her xx

    15 days until payday

    Started getting things in for my boys communion paid with amazon vouchers and or paypal from PA
    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
  • Amazing news!

    Congratulations to your friend.

    Dxxx
  • Homegrown0
    Homegrown0 Posts: 1,280 Forumite
    1,000 Posts Third Anniversary Name Dropper
    That's lovely news about your friend Monz! It must be such a relief to have the little one here safe and sound.

    I'm much the same on my diary - moaning about being skint most days and willing pay day to come a bit quicker!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
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