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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
    My new bank card arrived but no pin... I am telling you the amount money I saved this week using my coins (yes I have been that person:P) as I dont have my card.... Though when I get my card I do need to food shop lol :)

    Friday I will find out if I get any tax credits and I will then budget rest of the month and see if I can put anymore aside into Christmas fund top that up and also the loan a bit

    22 days until payday woo!! Feel a bit more motivated today. Going to do some surveys. Saving vouchers up to get birthday decorations for my boys party
    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 not much to update.

    Tomorrow find out if I get any money through. I wont get my hopes up and if it comes through then great :) if not i can survive.

    20 days until pay day :D x
    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: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Keeping my fingers crossed for you :) always nice to have a wee bit extra and not just survive x
    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
    If it goes through I am hoping to put £100 to Christmas fund and get that back. £50 to loan and £50 to overdraft :) x
    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
  • Hopefully you will get them Monz, it's fantastic that you have budgeted to live without it but it all helps.
    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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Fingers crossed you'll get something did you not get a breakdown of your entitlement from your award notice??
    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
  • cute-rabbit-emoticon-33.gifhurrah for coin pot - I need one of those :) Hope you get TC


    and if you don't at least it Friday :)
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Hey everyone....

    I got some tax credits :D. So I transferred £100 back into Xmas fund (hoping to put another bit into it get it back up) and I paid another £50 to loan. the tax credits is less than what I used to get but I am sooo not complaining :D.

    I am now budgeting for rest the month and day before payday what I have left (I am thinking will be £100) I will have and put into Xmas fund and other into overdraft :)

    20 days until payday and 28 days until tax credit (I dont know if last payment of it but will have my new letter soon :D)

    I will also be adding money when I have change to my sons birthday savings. His hall and castle is £65 and hiring another bigger castle at £60. The decorations will be my vouchers to cover those costs. Presents will be from savings :)

    Have a great weekend all I am going to get drunk :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
  • :D:D:D:D


    Brilliant news about TC ..!!! What can I say..:D:D:D:D HAPPY DAYS!


    xx
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • laurag89
    laurag89 Posts: 728 Forumite
    Seventh Anniversary 500 Posts Combo Breaker
    Hey Monz,

    I've just been catching up on your diary!
    Great news about your purse being returned, there really are some decent people out there after all!

    Your still doing so well :)
    Total debt to pay: £14,071.41/ Remaining debt: £12,884.12: Amount Paid: £1,187.29

    Survey xmas 2018 savings: £10 / £150
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