Need to get myself together: The beginning

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  • monz
    monz Posts: 4,129
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Quick question. Does anyone do the envelope thing where you put your money where you were going to spend it? like monthly targets?

    Hope that makes sensex
    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: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Yay to being only 2 weeks away from overdraft freedom :T

    I tried the envelope system for a month but it didn't really work for me. I kept forgetting to lift money from the envelopes and then had to withdraw more :( I know for a lot of people it works really well though.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
  • monz
    monz Posts: 4,129
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Forumite
    it is going to be a tight month but i will manage somehow :)!

    Cant wait to be overdraft free n then full concentrate saving for Florida with occasional overpayments when i can to loan :)

    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
  • Calling14
    Calling14 Posts: 3,498
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    Tight month here as well Monz. You can do it just think of the sunshine state.:)

    Belated birthday wishes and big congratulations to getting under 2k. :TSorry haven't be around much lately.

    Florida saving sounds awesome my motivation would increase dramatically if I was saving for something other than house repairs.:eek:

    Hope everything is well with you and will pop in more often now. x
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • I also have the dreaded MOT next month, fingers crossed ours both go straight through...
    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
  • monz
    monz Posts: 4,129
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Forumite
    7 days until payday woo :) 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
  • I only came on to check with you how many days until pay day lol ...26th for me ...Wishing life away til then. Not decided if I'm going to clear the debt this month or next I guess I will wait and see when I get paid. How's you and your gorgeous little man :-)
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • monz
    monz Posts: 4,129
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
    Forumite
    Hey Sam

    Payday two days!!

    We are good thank you. I had issue last week with school, twin boys - one grabbed n held down my son and other hit him accross the face with skipping ropes . I went ballistic and nothing was done. I told my son to hit back which i know is against school policy but no danger am I letting little s***s hit my son and get away with it. 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
  • abba1772
    abba1772 Posts: 7,746
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    monz wrote: »
    Hey Sam

    Payday two days!!

    We are good thank you. I had issue last week with school, twin boys - one grabbed n held down my son and other hit him accross the face with skipping ropes . I went ballistic and nothing was done. I told my son to hit back which i know is against school policy but no danger am I letting little s***s hit my son and get away with it. xx


    I done the same and informed my kids school that as long as they don't hit first then my kids have my permission to hit back........school weren't happy about it but the wee twits soon stopped bothering them xx. I hate the school policy of anti bullying as nothing ever gets done to the bully always the one that is getting bullied

    Hope your little man is ok and teach him how to do a Glasgow kiss :rotfl:
    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
  • Hey,
    Just wanted to say your not the first and won't be the last woman to get in debt because of a man. I was in this position once and could name several others know too.
    Look at it this way. 5k is a small price to be shot of him.
    Good look with your debt free journey.
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