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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,234Posts
    • 10,509Thanks
    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 pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
Page 108
    • kirtsypoos
    • By kirtsypoos 13th Sep 17, 1:49 PM
    • 3,424 Posts
    • 15,000 Thanks
    kirtsypoos
    I got a 3 part 21 total one on Monday - it's taken me 1 hour 10 mins to do the first 2 parts but the 3rd part is longer apparently - I can cope with that for the reward

    I don't think it's picked up as much as I expected though! x
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: 0/31010.23 (100% paid)
    Mortgage - 158.500.00 (2017/2018 O/P 3491.79) PAYDBX 17 - 18,442.82
    PAYDBX 18 #006 3850.92/4000
    • monz
    • By monz 13th Sep 17, 2:13 PM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    oooo a 3 part one!!! would love that :P xx

    My VO is now at 3.40, hoping to get above 5 tomorrow x
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • Dolly Rocker
    • By Dolly Rocker 13th Sep 17, 4:25 PM
    • 3,863 Posts
    • 11,034 Thanks
    Dolly Rocker
    Oh I got that one too kirsty!

    Super chuffed.

    Just spent all my survey money on my Granny's 90th birthday present so need to start replenishing so that will help.

    Dxxx
    CWP Goal Weight 21lbs/91lbs
    Debt Free Wannabee 2,840.31/6,649.97
    3-6 Month EF, 140/7,000
    2nd July 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 14th Sep 17, 9:10 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    My PA is currently sitting at 19.80 nothing pending. Hoping I get evena 20p survey

    VO is at 3.40 hoping to get this 6 today.

    Also got some sad news last night. A friend of mine from uni who I talk to most days messaged me last night apologising not getting back to me about help regarding my sons bullying other day. She took her kids to school Monday morning and came back found her husband had ended his life. The poor woman has nothing to apologise. Going to pop round to hers after work in a loss for words, three kids (one a baby) just cant imagine her poor grief </3

    2 weeks to payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • kirtsypoos
    • By kirtsypoos 14th Sep 17, 9:55 AM
    • 3,424 Posts
    • 15,000 Thanks
    kirtsypoos
    Such a sad time for her, how lovely that you are going to offer support and a shoulder to cry on

    I just tried to cash out of OW for the first time after I got a 150 point survey but they said I violated terms and conditions and have had my account terminated how did you get on so well for so long with it?!
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: 0/31010.23 (100% paid)
    Mortgage - 158.500.00 (2017/2018 O/P 3491.79) PAYDBX 17 - 18,442.82
    PAYDBX 18 #006 3850.92/4000
    • monz
    • By monz 14th Sep 17, 10:10 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    omg email them demand why!!! I never ever had a problem with them, I only moved to Opinion Post due to them stopping doing the points on them. Thats not right!!!!!xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • misstara
    • By misstara 14th Sep 17, 10:27 AM
    • 2,796 Posts
    • 19,786 Thanks
    misstara
    So sorry to hear about your friends sad news, glad she's got you for support.

    Hoping you get a PA survey so you can cash out.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 678.01 (70.6% paid)
    Car debt Nov 2017 797.68 Now 471.72 (40.9% paid) + monthly payments 146.82 7/60
    Emergency fund - 50/1000. Car fund - 122/1000.
    Mini Targets in July
    Exercise target - 5/16. Groceries target 150.93/200. NSD target 5/13.
    • kirtsypoos
    • By kirtsypoos 14th Sep 17, 10:39 AM
    • 3,424 Posts
    • 15,000 Thanks
    kirtsypoos
    omg email them demand why!!! I never ever had a problem with them, I only moved to Opinion Post due to them stopping doing the points on them. Thats not right!!!!!xx
    Originally posted by monz
    It's really wound me up, I sent a harsh email demanding to know what excuse they were going to come up with for scamming me. Probably a bit harsh but I was angry - I'd saved up 1700 points for this x
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: 0/31010.23 (100% paid)
    Mortgage - 158.500.00 (2017/2018 O/P 3491.79) PAYDBX 17 - 18,442.82
    PAYDBX 18 #006 3850.92/4000
    • monz
    • By monz 14th Sep 17, 10:59 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    no dont let them away with it!!! They have always been nice with me so let me know once you get a reply!!!xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • Purplemumof2
    • By Purplemumof2 14th Sep 17, 12:10 PM
    • 6,179 Posts
    • 22,724 Thanks
    Purplemumof2
    Also got some sad news last night. A friend of mine from uni who I talk to most days messaged me last night apologising not getting back to me about help regarding my sons bullying other day. She took her kids to school Monday morning and came back found her husband had ended his life. The poor woman has nothing to apologise. Going to pop round to hers after work in a loss for words, three kids (one a baby) just cant imagine her poor grief </3
    Originally posted by monz


    Your poor friend and her kids, he really must've been at rock bottom to consider doing something so drastic xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6130.00 Cap 1: 305.35 BC: TBC

    POAMAYC 2018 #041 PD 6559.32/7000
    Savings for Christmas 233.21/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • abba1772
    • By abba1772 14th Sep 17, 1:40 PM
    • 4,835 Posts
    • 16,896 Thanks
    abba1772
    Your poor friend can't imagine what she's going through 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 4782.14
    • monz
    • By monz 15th Sep 17, 8:59 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    Saw her last night. I brought them over a McDonalds for dinner and some colouring in books etc for kids. Words can not express how pained she is, its heart braking. Will be stopping by tomorrow will do a food shop, when she went to bathroom I checked kitchen and took note what shes needed and told her I will get these for her ( will not under any circumstance take money) , I would today after work but shes starting to plan his funeral and staying at her mums. I cannot fathom how hard this must be for her. She keeps saying she will do my head in asking about being a single parent but will never in slightest.

    my VO is at 5.15 will try above 7 today. Saw a holiday for Tenerife 10 days all inc 667 each for me and my son. Gonna try book this for next year its amazing price.

    Cashed out 20 from PA this will go to bank as I do need this.

    13 days until payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • Hiddenidenity
    • By Hiddenidenity 17th Sep 17, 7:14 PM
    • 5,213 Posts
    • 26,743 Thanks
    Hiddenidenity
    Sorry to hear about you're friend

    Hope you've had a lovely weekend x
    • monz
    • By monz 21st Sep 17, 9:06 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    Sorry I have not posted all week. I have been struck down the norovirus. I would not wish this on my worst enemy. Lost 8 pounds in 3 days and I am quite small so its a lot for me. Abso dying with it.

    No updates for this. Not been well enough to do surveys or that 7 days to payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • Purplemumof2
    • By Purplemumof2 21st Sep 17, 9:11 AM
    • 6,179 Posts
    • 22,724 Thanks
    Purplemumof2
    What a lovely friend you are xx

    I hope you're feeling a bit better, drink plenty of fluids xxx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6130.00 Cap 1: 305.35 BC: TBC

    POAMAYC 2018 #041 PD 6559.32/7000
    Savings for Christmas 233.21/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • kirtsypoos
    • By kirtsypoos 21st Sep 17, 11:26 AM
    • 3,424 Posts
    • 15,000 Thanks
    kirtsypoos
    Hope you feel better soon Monz, norovirus is a vile thing!! xx
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: 0/31010.23 (100% paid)
    Mortgage - 158.500.00 (2017/2018 O/P 3491.79) PAYDBX 17 - 18,442.82
    PAYDBX 18 #006 3850.92/4000
    • abba1772
    • By abba1772 21st Sep 17, 12:00 PM
    • 4,835 Posts
    • 16,896 Thanks
    abba1772
    Oh no hope you're ok 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 4782.14
    • Hiddenidenity
    • By Hiddenidenity 22nd Sep 17, 10:38 PM
    • 5,213 Posts
    • 26,743 Thanks
    Hiddenidenity
    Hope you're feeling better x
    • abba1772
    • By abba1772 25th Sep 17, 12:09 PM
    • 4,835 Posts
    • 16,896 Thanks
    abba1772
    Monz where are you.........hope you're feeling better my lovely 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 4782.14
    • monz
    • By monz 26th Sep 17, 9:46 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    Hi sorry I ended up in hospital with the norovirus and on a drip. It got the worst of me I am ok now though


    Better than ok I booked me and my sons holiday. A week in Majorca all inclusive me and my boy 1,064.72. I set up a direct debit to pay, but I will be throwing every penny to try get this done quicker like Abba does

    I know I am saving for our house and did dip into 100 savings but you know what me and my boy didnt go on holidays for years due to debt and me being depressed I want him to grow up with our holiday memorys. It has kids clubs, kids discos every night and entertainment after. All inclusive so wont need much spending

    2 days until payday but got so much to save for (esp now) and things like that

    Hope you are all well xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
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