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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,183Posts
    • 10,095Thanks
    monz
    Need to get myself together: The beginning
    • #1
    • 16th Sep 14, 1:38 PM
    Need to get myself together: The beginning 16th Sep 14 at 1:38 PM
    Hi all

    I am back. Short story, I was in this position before though holding a baby in my arms and his dad left us with a loan I got for him (I naively believed there was people after him) and such a bad overdraft. I managed to scrape it back and pay it all off and was on a high (figuratively) of being debt free.

    Four years on I have been left (no baby this time) and foolishly beleived this guy was decent. No need to tell me off or should have known better, believe me I am my own worst enemy.

    So now my debts are :

    1,000 overdraft (hope to clear by Christmas or least by January)
    200 odds Next (Yeah this is me I cannot blame anyone but myself here) I want it cleared by Christmas at least
    5,000 loan ( I am mad I know for having got it for him and he "says"will help with this but will not hold my breath as he is already asking for more money - probably for the girl he left me for...) I hope to pay this back in 2.5 years not the 5 year plan I was given.


    Anyway, I am determined and I will not fail

    Also need to put money aside for America in May 2015. (125 a month) and also 52 week challenge. The reason I am going to America is its my 30th and my mum and dad are paying for this.

    The first post is longer than I thought it would be I am so sorry!!

    Hopefully I will be back on track soon xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
Page 107
    • abba1772
    • By abba1772 7th Sep 17, 8:10 AM
    • 4,732 Posts
    • 16,236 Thanks
    abba1772
    Poor wee soul hope he's on the mend xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 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 4152.74
    • Purplemumof2
    • By Purplemumof2 7th Sep 17, 8:37 AM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Morning Monz,

    Hope your little one is much better today? x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • monz
    • By monz 7th Sep 17, 9:02 AM
    • 3,183 Posts
    • 10,095 Thanks
    monz
    Hes a lot better this morning, had a great sleep in bed with me... though my back took a battering with his kicks. He has a bark like cough but not croup cough anymore. I will decide later if he will go to TKD tonight. Hes got his colour back though in face. Thanks for asking <3

    21 days until payday. My VO is at 5 kind of been slacking, be Monday I think get last 10 for Boots and then move on to Top Shop or maybe love to shop vouchers?

    How is everyone xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 7th Sep 17, 10:34 AM
    • 3,742 Posts
    • 10,698 Thanks
    Dolly Rocker
    I'm good lovely.

    Glad mini monz is starting to feel better, its always a worry when they are ill so it is.

    Dxxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    17th April 2018 - I have 5 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 8th Sep 17, 9:16 AM
    • 3,183 Posts
    • 10,095 Thanks
    monz
    Thank god its Friday is all I am saying!!

    Currently at 7.40 VO hoping to make this above 8.50 by end today and can cash out last 10 for boots Will just get my sister Top Shop vouchers for her xmas.

    Tonight going to midnight showing of It... abso crapping it lol!!

    20 days until payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
    • Hiddenidenity
    • By Hiddenidenity 8th Sep 17, 9:24 AM
    • 5,213 Posts
    • 26,710 Thanks
    Hiddenidenity
    Have a lovely day x
    • abba1772
    • By abba1772 8th Sep 17, 5:25 PM
    • 4,732 Posts
    • 16,236 Thanks
    abba1772
    Thank god its Friday is all I am saying!!

    Currently at 7.40 VO hoping to make this above 8.50 by end today and can cash out last 10 for boots Will just get my sister Top Shop vouchers for her xmas.

    Tonight going to midnight showing of It... abso crapping it lol!!

    20 days until payday xx
    Originally posted by monz
    Nope........I wouldn't be blue to sleep for a month after watching it big wimp regarding horror movies xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 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 4152.74
    • moneyonmymindsam
    • By moneyonmymindsam 8th Sep 17, 11:07 PM
    • 1,406 Posts
    • 4,280 Thanks
    moneyonmymindsam
    I would be the same - Hope you had a great evening


    Too long til payday ... this month 19 days to go :-)
    Hope the wee man is getting better


    Sam xx
    Emergency Fund Challenge
    • monz
    • By monz 11th Sep 17, 10:42 AM
    • 3,183 Posts
    • 10,095 Thanks
    monz
    OMG the film was good. it was funny scary minus one scene he jumps out and my friend grabbed me cos she was scared and I screamed lol... we must been a right bunch lol. Didnt get home until 4 am, felt I had been out clubbing oops!

    Saturday I climbed the cobblers with my friend and I am telling you I felt worse for wear.

    Sunday had a rest day, my boy had his friends over so I mucked through the ironing pile we had.

    This weekend coming I have a girls night in my friends, saturday helping my friend with cakes as its her boys christening on the Sunday, busy weekend ahhhhh xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
    • Purplemumof2
    • By Purplemumof2 11th Sep 17, 11:36 AM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    You were brave...no way, nada would I watch IT, the original was scary enough for me

    Hope you have a slightly less busy week looking at your list for this weekend xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • monz
    • By monz 11th Sep 17, 12:29 PM
    • 3,183 Posts
    • 10,095 Thanks
    monz
    I just have work and TKD mum run lol. Missing my boys first competition as adult though ! but cos I am godmother to the baby and I dont want him to miss out so my mum and dad are taking him. xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
    • monz
    • By monz 11th Sep 17, 1:20 PM
    • 3,183 Posts
    • 10,095 Thanks
    monz
    Cashed out 10 Boots voucher. So my mums xmas is complete.
    Doing a week survey and should receive 15 for completing this. When I do, will keep the code towards my dads and that means only need to get 10 and his will be complete.

    My next lot will be my younger sister Christmas for vouchers. Then will do my older sister birthday vouchers for her bday just before xmas. That saves me plenty money and also I look good for it xx

    Will finish my xmas shopping by end of October as end each month to give my sister 90 for my nieces private horse riding lessons. And to buy my boy a Nintendo switch. Other than that I am done xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
    • JoJoC
    • By JoJoC 11th Sep 17, 3:11 PM
    • 1,776 Posts
    • 6,515 Thanks
    JoJoC
    You are doing amazingly with the vouchers! I can't believe how quickly it all mounts up and before you know it, you've got most of your Christmas sorted! I have around 45 in Amazon e-vouchers sitting but I'd like to put that towards the kids' Christmas when they decide what they'd like. It takes the sting out of a large, expensive present if there is one.

    I don't give vouchers as gifts, but if I did i'd definitely be following your methods!
    CC1: 4481.14/ 5031.14 (12% paid off, 600) | CC2:3307/ 3807 (14.4% paid off, 550) | Loan: 10,528.20/ 15,792.30((33% paid off, 5,264))

    July debt total: 24,630.44 | New debt total: 18,316.34 | Total debt paid: 6,414.10 (26%)
    *My debt busting and savings diary*
    • abba1772
    • By abba1772 11th Sep 17, 5:32 PM
    • 4,732 Posts
    • 16,236 Thanks
    abba1772
    Go you with being prepared for Xmas I've only sorted my nieces out..........have started buying things in the sales tho xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 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 4152.74
    • monz
    • By monz 12th Sep 17, 9:06 AM
    • 3,183 Posts
    • 10,095 Thanks
    monz
    I see it as they pick what they would like to have instead of me guessing or asking... and I dont have to spend money both win win lol!

    I have to give money for my nieces. Hope PA pics up, cd sort that one out quicker...

    The new smythes magazine and I swear I have never saw my son run so fast for a pen to mark what he likes, he could outrun usain bolt at that rate.... "but its ok mum santa doesnt but my birthday presents...."

    16 days until payday. Oh yes I am counting and so much coming up next cpl months ahhhhh xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
    • JoJoC
    • By JoJoC 12th Sep 17, 10:03 AM
    • 1,776 Posts
    • 6,515 Thanks
    JoJoC
    Our Smyths catalogue came in yesterday too but the kids haven't seen it yet. They did go completely MAD in Hamley's at the weekend when we were looking around. Lots of shreiking and diving around to see what was round the next corner!

    I was hoping to pick up an Argos book when I was in town last week but there was none out and no staff around to ask. Ho hum, will try again next time. The kids NEED the catalogue for Christmas planning, doesn't Argos understand??
    CC1: 4481.14/ 5031.14 (12% paid off, 600) | CC2:3307/ 3807 (14.4% paid off, 550) | Loan: 10,528.20/ 15,792.30((33% paid off, 5,264))

    July debt total: 24,630.44 | New debt total: 18,316.34 | Total debt paid: 6,414.10 (26%)
    *My debt busting and savings diary*
    • monz
    • By monz 12th Sep 17, 10:32 AM
    • 3,183 Posts
    • 10,095 Thanks
    monz
    I am going by today St enochs will let you know if in . Having to go to Primark too lol Argyle street mayhem I hate town lol xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
    • monz
    • By monz 12th Sep 17, 2:11 PM
    • 3,183 Posts
    • 10,095 Thanks
    monz
    Currently at 1.90 on VO. Hope to cash out a Topshop voucher by next Monday/ Tuesday and started on my sisters for 30 Christmas. Then will move on for my other sisters 30 for her birthday. Should have this all done by end October/ November Then rest vouchers will be for I think start for house, like argos or that xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
    • monz
    • By monz 13th Sep 17, 12:49 PM
    • 3,183 Posts
    • 10,095 Thanks
    monz
    Finally PA gave me a 9 survey woo!! took 2 hours though!!! better be approved lol

    Got 3 coming for Amazon vouchers and another 2.50 about to cash out. This is going to harry potter 3d jigsaw diagon alley for my boys birthday then will save towards him getting a broomstick.. then my halloween costume... Daenerys from GOT :P so excited

    Next week should be getting 15 amazon for a week survey. This will go towards my dad Christmas. Meaning only 10 to save towards his xx

    15 days until payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 320/500 (252 for apart
    ment)
    • abba1772
    • By abba1772 13th Sep 17, 1:43 PM
    • 4,732 Posts
    • 16,236 Thanks
    abba1772
    I wish I got this kind of surveys........it's been dead for me on PA hopefully it picks up so I can get Xmas paid for xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 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 4152.74
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