Need to get myself together: The beginning

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  • monz
    monz Forumite Posts: 4,129
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    Going to apply for balance transfer on Tesco credit card. I am worried that I might get knocked back :(! May as well try anyway.

    16 days until 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 Forumite Posts: 4,129
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    Went to apply and all i had to do was click on submit and i panicked. will see after christmas how i feel :( 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
  • monz
    monz Forumite Posts: 4,129
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    Stressing about debt :(!! And my sons birthday coming up too feel I dont give him enough argh. Need to be more watchful of the pennies.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
  • Dont stress chick.

    Also dont worry about not giving him enough. He will love you unconditionally no matter what.

    Dxxx
  • monz
    monz Forumite Posts: 4,129
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    Thanks really down today, he asked why he doesnt have a dad and felt heartbroken, I obv cant tell him truth as hes too young but wouldnt understand. Just feel I have let him down and a failure and it wasnt my fault his dad left me when pregnant. Having a talk with him tonight, wont lie to him but giving him a toddler version of sometimes some kids dont have dads and thats ok cos the mums love them twice as much.

    Anyway need to stop dwelling. 15 days until 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 Forumite Posts: 4,129
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    Aw hurry up payday!! lol Want to change my signature so I feel more productive in getting rid of this debt. Keep staring at it. I know after Christmas I can tackle it better but still lol 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
  • abba1772
    abba1772 Forumite Posts: 7,744
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    Aww bless your little boy xx hope the talk goes well xx

    So did you not apply for the balance transfer card then????

    Hope your ok 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
  • Dont you dare blame yourself cos os some deadbeat dad!

    My mum was a single parent for all our lives & sometimes when I was young you dont appreciate all the scrimping & saving & planning ahead that she did.

    Now when I think of how AMAZING or childhood was I swear I greet sometimes cos I realise how hard it must have been for my Mum at the time.

    Repaying it now though by spoiling her rotton!

    Your son will be exactly the same

    Dxxx
  • monz
    monz Forumite Posts: 4,129
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    Thanks Abba and Dollyrocker! :) Hard knowing I have to explain to him being left 3 months pregnant saying i "ruined" his life for another girl he got pregnant a month after stayed in their life and married her plus left me in debt :/ I know how to pick them since I got out debt and back in debt cos another guy :( Learning now. Just telling my boy (hes only 3) some children have both parents and some have one but that the parents with one parent love them double as much.

    Dollyrocker your mum sounds amazing!!:)

    I didnt apply Abba it frightened me off lol. Maybe after Christmas I will 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
  • Aloofdragon
    Aloofdragon Forumite Posts: 339 Forumite
    Hiyas xx Just having a nosey through diaries and couldn't read n run a happy single mum is worth loads more to a lil un your sons age than a sad stressed mum trying to make things work with a no gooder, he will be fine.. My sons told me they wished I left their dad years and years earlier so we could have got on with a happier life .. x K.
    Weightloss -36.5lb/64lb.
    Christmas savings £200/£800.
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