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Need to get myself together: The beginning

edited 30 November -1 at 12:00AM in Debt Free Diaries
4K replies 245.6K views
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  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Every second day... Compromised with JP.. though managing sneak them in some days when he is at work :P Not been doing JE much when I really should just really tired or its days JP off and he is working 12 hour days and having to leave hour before for shift and hour get home after xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car - £351.20/£10,536 (58 month left) mortgage - £74,300 o/s currently - paid £13,412.10 (£356.14 overpayment)
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    I have not done any JE.  Part laziness part cba...  
    All bills went out.  Very account is now just under £150.  I hope to clear that by end of November.  
    Question... my mortgage fixed rate ends in May.  Can I phone up now about remortgaging with them before the higher payments come out?xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car - £351.20/£10,536 (58 month left) mortgage - £74,300 o/s currently - paid £13,412.10 (£356.14 overpayment)
  • abba1772abba1772 Forumite
    7.4K posts
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    ✭✭✭✭
    I think you can query about remortgaging around 3 months prior as I ask my bank and they said they will see me in January and my remortgage isn't due to April 
    NEXT TARGET: SAVE £4000 FOR RE-RENDER FUND £1003.26 / £4000
    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 £15026.05
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Thank you!  I checked and its August it ends so will leave it until then and well I got a new car.  Not PCP but Hire to buy :)  Me and JP spoke about it and means will own at end and such a great deal.  Kia Sportage and collect tonight.  Means hard search will be out way by then and I can try after Christmas and that bring loan down a bit :) So excited!

    Went to Glasglow last night and children loved it.  Took my boy out for his birthday dinner as JP working nights and was off.  Also we got fire works in to set off tomorrow night and his birthday on Friday 10!!???  He has a sleepover on Saturday and I am dreading it at 28 weeks pregnant and 4 children, hoping Flipout still open as i have booked that to try least tire the boys out slightly xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car - £351.20/£10,536 (58 month left) mortgage - £74,300 o/s currently - paid £13,412.10 (£356.14 overpayment)
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    So I got my car and in love!!!!  Payments are £175.60 per month.  I updated my spreadsheet.

    Managed to survive the sleepover :)

    I have 6 weeks left of work and we finish up for Christmas and when everyone due back to work my maternity kicks in :D!  Find out on 11 December the date of my section also mental! xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car - £351.20/£10,536 (58 month left) mortgage - £74,300 o/s currently - paid £13,412.10 (£356.14 overpayment)
  • abba1772abba1772 Forumite
    7.4K posts
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    ✭✭✭✭
    Your pregnancy has flown in monz xx
    NEXT TARGET: SAVE £4000 FOR RE-RENDER FUND £1003.26 / £4000
    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 £15026.05
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Morning.  Will try post more!
    Done some JE over weekend, think I scare some people into thinking I am going to pop :P  Made £70 which will go to Very this Friday.  Paid next week which will pay off my Very account and also pay towards my paypal credit (oops!)  I will then be left with £200 to pay off on that.  I ahve some JE at weekend so hopefully I can even get rid of that by December pay be amazing.  If not it will be gone by Christmas

    I only have to get rest of Connors stuff for Christmas and put money in cards for my niece.  Some chocolates for my sister but I am done :)

    Starting tomorrow will be mostly working from home, due to my hips discolating.  If I am able to do that would be willing to work up to Friday before my boys here :P xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car - £351.20/£10,536 (58 month left) mortgage - £74,300 o/s currently - paid £13,412.10 (£356.14 overpayment)
  • abba1772abba1772 Forumite
    7.4K posts
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    ✭✭✭✭
    you remember to take it easy hunni xx
    NEXT TARGET: SAVE £4000 FOR RE-RENDER FUND £1003.26 / £4000
    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 £15026.05
  • hugglemonsterhugglemonster Forumite
    962 posts
    Fourth Anniversary 500 Posts Name Dropper
    ✭✭✭
    Popping in to say hope you had a lovely Xmas and all the best for a Happy, Exciting New Year!

    H x
    Debt: New credit card £2291.82 now £2773 Car - Purchased £11,518.40 now £894.93 Barclays loan 3000 now £1078.36
    PAID - Loan 2 £2200 Computer £646.52, Overdraft 1 £2200 Dad £300
    Emergency fund: £100 General savings: £100
    Aug 2019 starting debt 13,111.79 current debt £4746.29
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Happy new Year :)
    And we are back into another lockdown right when maternity starts :/.  My boy is due this month and if Abba is able to post when hes here be very appreciative <3  Due to fact I will be a little busy and sore at first lol!

    So fed up of lockdown and everything about it but sods law.  Hoping for a better mid February...  Really want my boy to be in school.  MY opinion though.

    Only debt is my car and mortgage.  JP is at work but with new lockdown we dont know if this will keep going now :(  if so I will have to go back to work months before planned.  Hoping I do not have to.  Take care all.
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car - £351.20/£10,536 (58 month left) mortgage - £74,300 o/s currently - paid £13,412.10 (£356.14 overpayment)
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