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Need to get myself together: The beginning

edited 30 November -1 at 12:00AM in Debt Free Diaries
4K replies 244.1K views
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  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
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    Thank you so much Kikkime :)!

    My son came home with a sponsor form for his TKD so been rounding round friends and family to donate (thank you Abba again <3) raised £55 so far :D

    Thank god its Friday though :D. 13 days until payday :( xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £5,109.69/£11,848.25 mortgage - £75,270 o/s currently - paid £12,506.03 (£341.33 overpayment)
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
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    Morning.

    I am going to sound like a mad lady.... There are birds in my loft (think I mentioned this before) and last night I convinced myself that another noise in my loft was mice as well. Talk about the fear! So could not sleep then convinced myself at 3am that it might be in my room so changed all furniture round my bedroom checked everywhere and still never slept. This morning about 530am it was still making noises of the same so I may think maybe a bird got caught and thats the noise I am hearing also.... so here is the crazy lady appearing - I had googled and says play either hawk noises and or distressed bird noises to scare them away so I was blaring this on youtube in my bedroom below where noise was coming from, I got tinfoil and put this out on the window ledge as apparently they do not like their reflection and when I took the bin out I turned round and saw the main rascal daddy figure who taunts me at the entrance to my loft.... and I went mental 6:00 am by then shouting at a bird honestly you cant even make it up tried to get my sons water gun try scare it away but no tbh I think the bird was mocking me.... so yeah interesting morning and no sleep... Convinced myself I was gonna be poisoned by birds and had mice everywhere...

    So anyway apart from confirming my absolute crazy lady theory.... 9 days until payday thank god! I am thinking about getting pest control to get rid of them and taking it out my couch fund for peace of mind but my brother in law is going to go have a look... I hope he will at least.

    So em yeah dramatic lassie here hahaha xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £5,109.69/£11,848.25 mortgage - £75,270 o/s currently - paid £12,506.03 (£341.33 overpayment)
  • abba1772abba1772 Forumite
    7.3K posts
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
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    Pest control won't move them if there are babies there......we had a next in our loft last year thankfully the babies had left the nest so we were able to block their entrance xx
    NEXT TARGET 14.09.20 : HUBBY'S LAST CC WAS £5095.00 NOW £2174.47
    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 £13208.18
    POAMAYC 2019 £13309.28
    POAMAYC 2020 £11569.81
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
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    aw no so then the crazy lady aka me will be here until they leave haha

    8 days to payday and cannot wait!!! Quiet one this weekend thankfully, trynot spend pennys that i do not have. When I get paid will put more to emergency fund. Couch fund and pay off another £100 to overdraft putting it down to £550 with a goal of ridding it by Christmas :D xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £5,109.69/£11,848.25 mortgage - £75,270 o/s currently - paid £12,506.03 (£341.33 overpayment)
  • Dolly_RockerDolly_Rocker Forumite
    4.9K posts
    Ninth Anniversary 1,000 Posts I've been Money Tipped! Debt-free and Proud!
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    You'll defo be rid of that by the time Christmas comes!

    We can celebrate by going to the Christmas Markets again.

    Dxxx
    DF 2018 £12,754.09 - PIF 30.11.18
    My Home Fund £3,200.00
    Goal Weight by December 2020 11lbs/91lbs
    I have 4 Nationwide Referrals left, PM me for £100 to switch accounts, link in 1-2 working days
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Just when I feel money wise getting better, I come home to a letter from HMRC saying I owe them 170 (just under) and to pay back within 30 days. Spoke to people in work and told me to querie it and state pay back monthly like 30 a month. Absolute joke!? said overpayment in 2014....5 years ago? xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £5,109.69/£11,848.25 mortgage - £75,270 o/s currently - paid £12,506.03 (£341.33 overpayment)
  • Dolly_RockerDolly_Rocker Forumite
    4.9K posts
    Ninth Anniversary 1,000 Posts I've been Money Tipped! Debt-free and Proud!
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    What the hell!

    That is ridiculous so it is, hate HMRC.

    Dxxx
    DF 2018 £12,754.09 - PIF 30.11.18
    My Home Fund £3,200.00
    Goal Weight by December 2020 11lbs/91lbs
    I have 4 Nationwide Referrals left, PM me for £100 to switch accounts, link in 1-2 working days
  • badmemorybadmemory Forumite
    3.8K posts
    1,000 Posts Fourth Anniversary Name Dropper
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    monz wrote: »
    Just when I feel money wise getting better, I come home to a letter from HMRC saying I owe them 170 (just under) and to pay back within 30 days. Spoke to people in work and told me to querie it and state pay back monthly like 30 a month. Absolute joke!? said overpayment in 2014....5 years ago? xx


    If you are going to ring them, try before 8am. BUT whatever rubbish they tell you you must ask them to confirm in writing. Sad to say they are no longer to be trusted!
  • abba1772abba1772 Forumite
    7.3K posts
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    ✭✭✭✭
    How can they chase you from so long ago that's a joke .......pay it monthly xx
    NEXT TARGET 14.09.20 : HUBBY'S LAST CC WAS £5095.00 NOW £2174.47
    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 £13208.18
    POAMAYC 2019 £13309.28
    POAMAYC 2020 £11569.81
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    I forgot to bring letter into work yikes! I know was stressed over it :( Pay lump sum by end of June.. aye no worries.... :/

    Had a nice quiet long weekend aka I slept most of it, think I had a bug was so drained could barely leave my bed with it, either that or needed it lol. Payday in two days woo xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £5,109.69/£11,848.25 mortgage - £75,270 o/s currently - paid £12,506.03 (£341.33 overpayment)
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