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Need to get myself together: The beginning

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  • Glad Mini Monz had a great birthday party, the go karting looked ace!

    You're very organised for Christmas, the gaming room sounds fab xx
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    23 days to payday.

    I have applied to be a Just Eat courier so fingers crossed! Need to phone and see where my mortgage balance is at then round the numbers so its at 0 at the end. Small extra payments makes all difference, so I keep telling myself lol! Well if you pay £10 a month overpay apparently according to Moneysaving expert saves £800 approx interest in long run so I like sound of that lol!

    I have been told to phone Just Eat next week if I have not received a phone call. All they wanted was my driving licence details and proof I own a car. All been sent, I will also have a criminal check done but thats completely fine :D! If its £30 extra a week or more for four hours of more work I am in for it :) I was told 4 hours is £49 but take off petrol I would think that be £30. Everything to decking xxx
    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
  • Good luck with the Just Eat thing but don't burn yourself out!

    Yay to the overpayments, every little bit helps xx
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    edited 5 November 2019 at 11:38AM
    Aw I wont. I do not do anything at weekend so would do like Friday night and Saturday :). So if its about £75 extra per week would help with decking, then driveway and then towards understairs toilet and loft. Hopefully have about £1000 towards holiday money by Christmas, then be able to pay off holiday in one go by end March with no council tax to pay and just pay one week all inclusive. Then everything is savings for house investing and improving it. Never ending!xxx

    200 points away on Ipsos I say from £10 cash out amazon (will go to my dad xmas give him code buy whatever he wants) Also at £2.90 on VO will cash out at £15 for amazon. This will cover my dads Christmas.
    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
    So just like that, my son is 9 years old! He was so happy with his presents this morning and that made it all worthwhile.

    22 days til payday. Now to focus on Christmas presents <3 xxx
    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
  • Happy 9th Birthday Mini Monz, I hope he has a super day (despite being in school) :D xxx
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Morning. My boy had an amazing day and even hugged me at the end of it saying I was best mum ever and thanking me for his gifts! Hes a we soul!

    I am 50 points away from cashing out £10 amazon voucher on Ipsos and did not do VO yesterday, no other reason just cba. I am currently at £5.65 so will try get above £7 today.

    On just eat delivery. I have passed car inspection, got the insurance cover you need (had to pay £25 upfront and its 81p per hour doing work there) and just need to pass background check. Unless I have done something I do not know of in a few weeks should be set to go. Every extra penny from doing this (I will take money off for petrol) will go to decking fund. I do not know if I will stick to this or enjoy it but going to force myself to stick til least save £500 decking fund at least.

    21 days til 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
    Phoned for my mortgage balance and rounded it out. Will aim for another £20 for this after my friends up next week :) 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
    edited 8 November 2019 at 11:06AM
    Finally Friday. I have my friends 21 night out tonight (god I feel old!) I am leaving at 11pm so I can get the train home and save money than silly costs taxi are for "boundary charge" I only live two minutes from borderline Glasgow to South Lanarkshire!!?? Anyway rant over :P

    Tomorrow I have an 18 to show face to for an hour lol girl in my sons TKD class. She is so good with him I have to show face.

    20 days til payday.xx

    32 points away cashing out Ipsos. Also at £8.90 on VO will try get above £10 and hopefully next week cash out £15 on amazon voucher for my dad :) After that will get vouchers for my friend for her Christmas and look good ;) 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!
    Glad mini monz had a fab birthday 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
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