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Need to get myself together: The beginning

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  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Well... I would like to say I stuck to my guns and was home on train 11pm... drunk me had other plans and 2am. Slept all saturday in self pity and chinese saturday night.... My poor bank account :P

    I had a good night though so not too bad! This weekend my friend is up from camp so just meeting her train station n then mine for some drinks.

    Nothing else to add really 17 days til payday yikes. Need to watch my pennies 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!
    As long as you had a great time that's the main thing 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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    oh apparently I did lol! Got an invite to another girls 21 as well end of the month.

    So tired today! 16 days til payday. Sent away for background check n then I am good to go for the other job :) Will just do Friday night and anytime Saturday. I do not do much at weekend and extra pennies will go to decking fund. Literally any penny helps. Once I think saved enough for holiday, will be shoving that extra money to decking fund also. Cannot wait til my fence gets done next month. 10 December and hopefully will not change the date again :(!

    I keep looking at my spreadsheet (cos I am cool like that obv...) seeing what I will be saving in new year and potential what can be at and happy. After decking will do separate xmas fund and drive way fund. Then my garden will be complete and wont be tight for xmas. Plus two big birthdays next year. My mum 60 and my sister 21. 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 wrote: »
    I keep looking at my spreadsheet (cos I am cool like that obv...) seeing what I will be saving in new year and potential what can be at and happy. After decking will do separate xmas fund and drive way fund. Then my garden will be complete and wont be tight for xmas. Plus two big birthdays next year. My mum 60 and my sister 21. xx

    I keep doing that too...

    2020 must be a thing for big birthdays!
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Morning.

    Cashed out £10 Ipsos amazon and over £14 currently on VO hoping to cash that out today. Thats my dad xmas sorted!

    My mum is a gift card from her hair dressers and will do same (smaller amount) my younger sis. My niece still to get fitbitace2, hoping Black Friday sale. My son is just sofa bed and pop to Primark to see their PS4 range for his gaming room. Then just small gifts for friends children, done most. Then thats me completed Christmas woo xxx

    15 days til payday 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
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Woo sorted and gave my dad £25 amazon vouchers. Mainly so he can use for Black Friday.

    Going to try and get at least £20 vouchers for Argos so I can use for my niece Xmas. Also hoping by then Black Friday will be on for that fitbit ace 2 (fingers crossed!) If not will try least get £30 then will be half price as can only use £30 per transaction gift cards :/.
    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
    2 weeks to payday!!!

    My friend is here tomorrow from Camp :D! Cannot wait to see her it has been far too long!

    I am at £1.90 on VO hoping by end of today get at least £2.50 and £5 tomorrow and by mid next week cash out £10 argos voucher.

    Still no word from background check but tbf I only applied other day. Hopefully in next two weeks and start December can start earning extra pennies. Hopefully be minimum £50 per week extra for Friday night and anytime all day Saturday and get attacking for decking fund :). December I have zero plans minus meeting up with Dolly for our annual Xmas market meet up (Abba I know you are quite near so if free on 12th December more than welcome!!! 4pm and would mail you details :D!)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
    So.... I got me and my friends Gerry Cinnamon tickets. We absolutely love him. My friend is giving me £65 for hers. My other friend its her birthday/Christmas. So I owe my holiday fund £185 right now. When my friend sends me the £65 that will be £120. Hopefully if any money end of month will put right back in... Yes impulsive buy and that but its done now and until repaid holiday fund me and my friend are like oh god lol 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
  • misstara
    misstara Posts: 3,990 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Would love to see him, very jealous. Have a fab time!

    You're so organised for Christmas :). I've only bought a few things for OH so really need to get on it.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £2.11/£50
    Mortgage overpayments so far - £675.98
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    edited 18 January 2022 at 1:40PM
    Aw I dont feel it. Feel really bad going into holiday funds :(!

    Will get it replaced and back up though ASAP.

    Got email from background check need my passport and full birth certificate... I gotta try find my birth cert no idea where it is. They are unsure my name is UK resident.... I mean I would understand if it sounded foreign but well Abba and Deleted_User know my full name and Monica is hardly foreign even my second name. They have my drivers licence copy 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
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