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Need to get myself together: The beginning

edited 30 November -1 at 1:00AM in Debt Free Diaries
3.9K replies 242.7K views
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  • Dolly_RockerDolly_Rocker Forumite
    4.9K posts
    Ninth Anniversary 1,000 Posts I've been Money Tipped! Debt-free and Proud!
    ✭✭✭✭
    Pay them back as little as possible if you have to!

    Joke so it is.

    Ah glad the box is gorge!

    Dxxx
    DF 2018 £12,754.09 - PIF 30.11.18
    My Home Fund £3,200.00
    Goal Weight by December 2020 11lbs/91lbs
    I have 4 Nationwide Referrals left, PM me for £100 to switch accounts, link in 1-2 working days
  • kindofagilrkindofagilr Forumite
    6.8K posts
    Part of the Furniture 1,000 Posts
    ✭✭✭✭
    I hope you manage to get it sorted :)

    Newcastle is my neck of the woods.

    I love that you upgraded your sisters room :) xx
    Current Debt £35,550.72/£44,856.56 ~ 31/01/20 - 20.74% Paid Off
    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £79,446.56/£104,409.00 (as of 31/01/20) ~ 23.90% Paid Off

    POAMAYC 2020 #87 £1194.38 ~
    POAMAYC 2019 #87 £10,615.18 ~ POAMAYC 2018 #87 £13,912.57 ~ POAMAYC 2017 #87 £10,380.18 ~ POAMAYC 2016 #87 £7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Ahhh no way! Anywhere good to go in Newcastle :D? xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £4,949.70/£11,848.25 mortgage - £75,600 o/s currently - paid £12,046.16 (£331.47 overpayment)
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Spoke to HMRC. Sorted it, I am to pay so paid 34.45 today then 4 months installments of 32.50 and completed. They were very nice and glad it is sorted. Plus its not out in a lump sum thankfully!

    3 weeks to payday. My couch be paid off and arrived and o/d be at 450 :) xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £4,949.70/£11,848.25 mortgage - £75,600 o/s currently - paid £12,046.16 (£331.47 overpayment)
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    At least you got it sorted Monz :)

    Yay to the reduction in the OD, that will be gone before you know it. xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Thank you PMO2.

    My niece had her communion over the weekend, she looked so beautiful <3

    Other than that was a quiet weekend. Cleaned the house etc, though found a nest of spiders behind my lantern and a beast of a mammy.... lets just say you could have heard me scream from miles away. I eventually got rid of them and the big beast thank !!!! not without screaming whole time!

    17 days until payday. Going to Carlisle this weekend hoping it will not be a spendy.... skint :P

    Hope all is well xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £4,949.70/£11,848.25 mortgage - £75,600 o/s currently - paid £12,046.16 (£331.47 overpayment)
  • kindofagilrkindofagilr Forumite
    6.8K posts
    Part of the Furniture 1,000 Posts
    ✭✭✭✭
    monz wrote: »
    Ahhh no way! Anywhere good to go in Newcastle :D? xx

    Sorry I meant to reply earlier lol

    I rarely go out these days lol, but my friends recommended:
    Revolution De Cuba
    Stack
    The Old George
    Tynemouth
    Turtle Bay

    I hope I wasn't too late with my info lol xx
    Current Debt £35,550.72/£44,856.56 ~ 31/01/20 - 20.74% Paid Off
    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £79,446.56/£104,409.00 (as of 31/01/20) ~ 23.90% Paid Off

    POAMAYC 2020 #87 £1194.38 ~
    POAMAYC 2019 #87 £10,615.18 ~ POAMAYC 2018 #87 £13,912.57 ~ POAMAYC 2017 #87 £10,380.18 ~ POAMAYC 2016 #87 £7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    Ooo will have a look thank you :D!

    Got an email about my couch saying they had wrong price up and its £90 dearer and wont honour the wrong price :/ I really want this couch but I will have another look around being stubborn on this.

    13 days until payday. Carlisle tomorrow :D
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £4,949.70/£11,848.25 mortgage - £75,600 o/s currently - paid £12,046.16 (£331.47 overpayment)
  • UncannyScotUncannyScot Forumite
    2K posts
    1,000 Posts Third Anniversary Photogenic
    ✭✭✭✭
    Not an expert on this, however I believe they have to honour the price that you agreed with them, trading standards would be able to advise on this... usually when you mention trading standards to a retailer it works in your favour ;)
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
  • monzmonz Forumite
    4.1K posts
    Ninth Anniversary 1,000 Posts Debt-free and Proud! Stoptober Survivor
    ✭✭✭✭
    They would not budge :(! I agreed now, I really want that couch.xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) car PCP - £4,949.70/£11,848.25 mortgage - £75,600 o/s currently - paid £12,046.16 (£331.47 overpayment)
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