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Need to get myself together: The beginning - Page 348

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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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  • I think I was that height when I was 11 ha ha! I'm wishing I wasn't at work when the weathers like this, day trips over the summer hols are always good :)
    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
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Hey everyone, if I am quiet over next two weeks I am on annual leave and probs wont come on too much or at all maybe. Waiting news on my couch even though they stated yesterday :/!!!!

    Hope all is good and speak soon... Do not finish til 4pm so will still be on doing my nosey :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)
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Hey.

    My couch is here and its sooo pretty. Honestly I am in love :D!!! Now going to start saving for fence round my garden as its rotting away, after paying off for my sisters 40th present :D!

    Enjoyed my 2 weeks off, did not really do much just enjoyed resting and not having to rush around with my son spending time with him :)

    Going to pay off more to my overdraft did not spend as much as I thought I would so down to £450 :). End of the month will be £400. Aiming paid off by Christmas

    Hope you are all well. Off to do a catch up aka Nosey :D

    9 days til 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
    ✭✭✭✭
    Going on my lunch to bank and gonna actually put my overdraft down to £400! Bite the bullet I can manage I get paid next week :)

    Then next week reduce to £325, by August wage will be 250 and then see from there :)

    Soon will be starting my sons birthday planning. He literally does not know what he wants. I will get him a hoverboard and hoverscateboard. No idea what else, he has everything. I asked my mum to get him the new TKD outfit since he took a stretch and can see his ankles in his current one lol! They cost blinking £52 so be big help :D. Also need to get him a TKD bag, they cost £30. Saw a deal on groupon £100 for Rize which is like Flipout so probably book that. I try do something different every year :) 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
    ✭✭✭✭
    Thats my overdraft down to £400. in 8 days will be £325. Cannot wait to get rid of this :) Showing plus instead minus

    My mortgage soon will be under £80k also :D!

    Going to visit my sister tonight as shes back from her holiday yesterday and my nieces, plus drop off birthday card to my friends boy in his door with some money in it.

    Currently working on T20 by Shaun T. Only on day two and checking for difference.... :P 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)
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • [Deleted User][Deleted User]
    0 posts
    1,000 Posts Second Anniversary Name Dropper I've been Money Tipped!
    MoneySaving Newbie
    Well done on reducing your overdraft :D x
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Thank you :)!

    One week today is payday. Also ordered my younger sisters birthday present from superdry, a hoodie down to 25 pounds :D! End of August my sisters 40th present will be paid for and hoping my overdraft will be down to 250 :)

    Not started on my fence fund but will soon and when paid will start on my sons 9th birthday shopping etc. Started making a list and put money aside for his party. Everything is money money money these days or is that just me :( 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)
  • LABMUMLABMUM Forumite
    138 posts
    Tenth Anniversary 100 Posts Combo Breaker
    No it's not just you Monz I have been feeling this way for a couple of months.
    EFC #185 - £510.00/£1000
    £2.00 Savers #95
    50p Savers Club #8
  • Homegrown0Homegrown0 Forumite
    1.3K posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭
    Definitely not just you, Monz. I feel like it's a never ending cycle of paying money out for things. I'd like to be able to actually put money in savings and not having to take it out at some point!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    So true. After July the last 6 months of the year is the most spendy due to my sons birthday coming up since its November then Christmas. Going to start surveys and gift them to people vouchers :/ saves so much money for me 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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