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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,222Posts
    • 10,291Thanks
    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 - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
Page 112
    • monz
    • By monz 12th Oct 17, 11:15 AM
    • 3,222 Posts
    • 10,291 Thanks
    monz
    Currently at 14.40 on VO hopefully can cash out 15 amazon and order my boys party bag stuff, score that off. Then will defo start my dads oops!!! then my sisters birthday vouchers xxx

    2 weeks to payday... literally on countdown mode!! xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
    • monz
    • By monz 12th Oct 17, 3:08 PM
    • 3,222 Posts
    • 10,291 Thanks
    monz
    Cashed out VO and ordered my boys party boxes/ party bag toys for inside costing me just under 5... will wait until near his party order sweets and crisps... mainly due to me eating them no lie :P

    40p in VO and I solemnly swear this will be me starting my dads amazon voucher :P xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
    • monz
    • By monz 13th Oct 17, 9:28 AM
    • 3,222 Posts
    • 10,291 Thanks
    monz
    Morning!!

    VO is at 40p hope to read 2 by end of today and know it will be over week until I reach 15 for next amazon and it will be for my dad I swear :P .... edit might not due to being off I forgot... I never do VO when off

    Using my OP for small things on my boys bday/xmas wishlist lol through amazon and IPSOS iSay

    13 days until payday!!

    I will probably not post next week due to fact off this week and be on taxi mum run lol xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
    • Purplemumof2
    • By Purplemumof2 13th Oct 17, 10:33 AM
    • 6,153 Posts
    • 22,628 Thanks
    Purplemumof2
    Well done on the VO payout.

    Have a lovely break xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6200.00 Cap 1: 395.80 BC: 6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD 6288.87/7000
    Savings for Christmas 191.84/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • abba1772
    • By abba1772 13th Oct 17, 11:58 AM
    • 4,807 Posts
    • 16,678 Thanks
    abba1772
    We're off too have a fab week off monz 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 4412.86
    • Dolly Rocker
    • By Dolly Rocker 15th Oct 17, 12:22 PM
    • 3,815 Posts
    • 10,890 Thanks
    Dolly Rocker
    Have a lovely time off monz.

    Dxxx
    CWP Goal Weight 31lbs/91lbs
    Debt Free Wannabee 696.97/6,649.97
    3-6 Month EF, 70/7,000
    3rd June 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 23rd Oct 17, 9:19 AM
    • 3,222 Posts
    • 10,291 Thanks
    monz
    I am back!!!

    I did no surveys and did not go on anything just wanted to enjoy my time off.... back now and gonna try hit it all again and catch up on surveys!!

    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 - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 23rd Oct 17, 9:46 AM
    • 3,815 Posts
    • 10,890 Thanks
    Dolly Rocker
    You're backkkkkkkkkkkkkkkkkk!!!!!

    Missed ya monz.

    I'm good, just trying to find the motivation to get some work done

    Dxxx
    CWP Goal Weight 31lbs/91lbs
    Debt Free Wannabee 696.97/6,649.97
    3-6 Month EF, 70/7,000
    3rd June 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 23rd Oct 17, 10:02 AM
    • 3,222 Posts
    • 10,291 Thanks
    monz
    Same just catching up but thanks to Abba saw ps4 lego dimensions starter park is down to 30, in Paisley though but gonna drive through and get it. Might try Fort but says out stock but one in Paisley !!


    Survey time once settled in work xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
    • monz
    • By monz 23rd Oct 17, 10:04 AM
    • 3,222 Posts
    • 10,291 Thanks
    monz
    ahhhh its out stock now cos i left it gonna driev to fort tonight n beg lol xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 23rd Oct 17, 10:52 AM
    • 3,815 Posts
    • 10,890 Thanks
    Dolly Rocker
    Aw hope you get it!

    Dxxx
    CWP Goal Weight 31lbs/91lbs
    Debt Free Wannabee 696.97/6,649.97
    3-6 Month EF, 70/7,000
    3rd June 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 23rd Oct 17, 10:54 AM
    • 3,222 Posts
    • 10,291 Thanks
    monz
    Ordering from ebay. new in pack 35 but saves a long !!! travel to Falkirk I was planning after work lol xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 23rd Oct 17, 11:09 AM
    • 3,815 Posts
    • 10,890 Thanks
    Dolly Rocker
    Yay!!!

    Dxxx
    CWP Goal Weight 31lbs/91lbs
    Debt Free Wannabee 696.97/6,649.97
    3-6 Month EF, 70/7,000
    3rd June 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 23rd Oct 17, 1:00 PM
    • 3,222 Posts
    • 10,291 Thanks
    monz
    Glad I didnt order from ebay, my friend called up Fort and they had one!!! 30

    Also had some pounds left over for this month and transferred to savings to make it over 6k !! I originally hoped for 7.5k by xmas but with life happening I will be happy if I break 7k never knew I would be booking a holiday etc

    I will be buying wrapping paper tonight and wrapping up my boys birthday presents. 2 weeks today he will be 7 scary!!

    Will try go through surveys but catching up on work stuff xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 23rd Oct 17, 1:10 PM
    • 3,815 Posts
    • 10,890 Thanks
    Dolly Rocker
    Ahhhhh monz that is amazing!!!!

    Also good spot on your friends behalf, saved you a wee 5.00 too - whoop whoop!!!

    I'm the same, so busy but trying to keep an eye out and complete surveys as they come through.

    Dxxx
    CWP Goal Weight 31lbs/91lbs
    Debt Free Wannabee 696.97/6,649.97
    3-6 Month EF, 70/7,000
    3rd June 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • Purplemumof2
    • By Purplemumof2 23rd Oct 17, 1:32 PM
    • 6,153 Posts
    • 22,628 Thanks
    Purplemumof2
    Welcome back Monz....missed you xx

    Your house deposit is looking great.

    Glad you managed to get your boys present, good luck with the wrapping, I hate that bit lol xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6200.00 Cap 1: 395.80 BC: 6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD 6288.87/7000
    Savings for Christmas 191.84/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • monz
    • By monz 23rd Oct 17, 2:11 PM
    • 3,222 Posts
    • 10,291 Thanks
    monz
    Aw tell me about it, dreading it tonight, plus got him a surprise of the new Ninjago movie PS4 game. I had told him not a chance he was getting it

    payday is in 3 days

    VO is at 3.60 so hoping tomorrow get above 5. Will try have my dads 30 amazon in time for Black Friday cos he can get himself a better deal in time for xmas xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 23rd Oct 17, 4:29 PM
    • 3,815 Posts
    • 10,890 Thanks
    Dolly Rocker
    Aw he will love that!!

    I need 2.50 on VO for another 15.00 Amazon voucher!

    Hoping maybe tomorrow!

    Dxxx
    CWP Goal Weight 31lbs/91lbs
    Debt Free Wannabee 696.97/6,649.97
    3-6 Month EF, 70/7,000
    3rd June 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • abba1772
    • By abba1772 24th Oct 17, 8:20 AM
    • 4,807 Posts
    • 16,678 Thanks
    abba1772
    Hi monz

    Glad I saved you some pennies lol

    Go you with the house deposit it's looking fab well done 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 4412.86
    • monz
    • By monz 24th Oct 17, 9:18 AM
    • 3,222 Posts
    • 10,291 Thanks
    monz
    Thank you Abba it was like you read my mind, was last thing I needed for his birthday as I got 8 packs expansions without the actual starter pack lol!! His bday presents are all mostly wrapped (ran out wrapping paper)

    Now saving for a nintendo switch and a new star wars lego kylo ren ride and done for him.

    2 days to payday and it will be a 5 week month !!

    Only out this weekend and then good few quiet ones be having xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 468.98/11848.25 (0 overpayment) mum and dad 0/4,000 paying back from 29 June
    mums July birthday vouchers 20/50
    Holiday spending 300/300, Belfast 500/500 (252 for apart
    ment)
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