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Need to get myself together: The beginning

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Comments

  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Payday tomorrow for me as well monz, very much looking forward to it.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£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
    Woo payday is here.

    I lifted £130 to pay to my mum and dad . £150 next month and thats clear.

    My loan amount will come off normally on 1st and I will see what I can do or even even the numbers :).

    15 days until Child tax credits (wont hold my breath I know Tories are cutting left right and centre!)
    So 28 days until next pay day ;)

    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
    Hey everyone.

    Cant really update until Monday or maybe Wed after usual loan payment comes out blah :) Got my letter from HMRC yup money cut... so nice of them hmmmm :P hold my tongue there haha

    Anyway

    14 days until Child tax credits
    27 days until next pay day 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
    Monday boo! Well loan payments came out and interest already added so I paid £4.57 to make it even... I know I went wild overpayment haha

    Tomorrow is my boys first school visit argh!!

    Nothing else to say hope you all had a great weekend. I was very fragile yesterday haha.

    11 days until Child tax credits
    24 days until next pay day 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 been messing about with figures and think next month what I owe my mum will be less :)

    So £80 to my mum and paid off
    £50 will go to my Xmas pot to try get it up again.
    £50 overpayment to loan if I play my cards right :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
  • Hi Monz,

    You are doing great, even with the set backs you are rolling with the punches. Don't let anything get you down. I am so impressed, I wish I could say I was doing as well.

    October xx
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Sounds like you've got it all worked out monz. Fab news about being able to make an overpayment to the loan :D
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£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
    Hi everyone

    Not much to add just plodding along lol!

    9 days until Child tax credits
    22 days until next pay day 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
  • I love your payday count downs!

    Hehe :j

    October xx
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    You're doing great 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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