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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,203Posts
    • 10,351Thanks
    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 : 238.04
    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 116
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:48 AM
    • 1,627 Posts
    • 14,214 Thanks
    WannabeFree
    Your such a wonderful friend monz xx
    Originally posted by abba1772
    I agree!

    Well done on the vouchers Monz. Are you totally sorted for Xmas now? x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • monz
    • By monz 21st Nov 17, 11:56 AM
    • 3,203 Posts
    • 10,351 Thanks
    monz
    Hey. Thank you!!

    I will be by next Thursday when I buy Nintendo switch for my son xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 238.04
    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)
    • Golightly72
    • By Golightly72 21st Nov 17, 1:05 PM
    • 83 Posts
    • 286 Thanks
    Golightly72
    Well done on the vouchers Monz - afer all that work on the surveys I think you should definitely treat yourself to something nice with the next one!

    Boots sound good, can get yourself a nice gift set or something with their xmas stuff?
    • monz
    • By monz 22nd Nov 17, 9:43 AM
    • 3,203 Posts
    • 10,351 Thanks
    monz
    Thanks Golightly!

    I am not really a gift set person but really need foundation or possibly eye liner

    xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 238.04
    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)
    • WannabeFree
    • By WannabeFree 22nd Nov 17, 9:54 AM
    • 1,627 Posts
    • 14,214 Thanks
    WannabeFree
    Have a lovely day Monz x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • monz
    • By monz 22nd Nov 17, 12:52 PM
    • 3,203 Posts
    • 10,351 Thanks
    monz
    Thanks everyone. My VO is now at £2.65 tomorrow hope to get above £4. Think first cash out will actually be cineworld as xmas holidays coming up and jumanji . My dad already booked star wars.

    Then boots vouchers xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 238.04
    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)
    • WannabeFree
    • By WannabeFree 24th Nov 17, 11:05 PM
    • 1,627 Posts
    • 14,214 Thanks
    WannabeFree
    Hope everything's okay Monz

    Have a lovely weekend x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • monz
    • By monz 27th Nov 17, 9:18 AM
    • 3,203 Posts
    • 10,351 Thanks
    monz
    Hey

    Sorry just havent posted. I had nothing to post so did not want to bore anyone lol

    payday this Thu... no savings going in and getting my son the switch

    VO is at £7.90 still unsure what I should get when hit £10 will decide when I do.... Liklihood is Boots and make up
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 238.04
    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 27th Nov 17, 9:50 AM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Hey monz,

    I'm at £7.50 but it is being annoying and not letting me through on anything at all

    Will keep trying though.

    Oh a switch! He will loveeeeeeee that.

    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 28th Nov 17, 9:29 AM
    • 3,203 Posts
    • 10,351 Thanks
    monz
    two days until payday!!!

    Any luck Dolly?xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 238.04
    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 28th Nov 17, 9:54 AM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Yeah finally made it up to £9.25, hopefully next week can get another amazon voucher - I need them now though! So impatient so I am.

    You any luck?

    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 28th Nov 17, 1:17 PM
    • 3,203 Posts
    • 10,351 Thanks
    monz
    Yeah cashed out £10 this morning and just above £1. Hoping next week get another boots vouchers then try getting topshop vouchers n something nice xx my bday in Jan so that plan
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 238.04
    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 28th Nov 17, 2:58 PM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Good plan 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 29th Nov 17, 10:31 AM
    • 3,203 Posts
    • 10,351 Thanks
    monz
    Thanks Dolly!

    Payday tomorrow and a bills came out early so will have £8 overdraft fee because of that Least after this payday its only 2 weeks and 6 days until next wage as xmas wage is early....

    VO is at £2.65 hope to get to £4 but already done one so probably wont.

    need to do OP not done this week... just been lazy :P

    xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 238.04
    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 29th Nov 17, 10:48 AM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Aw that's a buggar so it is!!!

    Hate paying OD fees to the bank.

    I have weeks like that aswell, sometimes I just can't be bothered doing them but need to remember our challenge!

    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
    • JoJoC
    • By JoJoC 29th Nov 17, 9:56 PM
    • 1,183 Posts
    • 6,824 Thanks
    JoJoC
    Gutted on the bank front - what a pain!

    Still going strong on the old voucher front though - I've just cashed out £15 Amazon vouchers on VO and £21 on PA so I feel like I'm finally making progress after a few weeks of not much happening.
    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*
    • misstara
    • By misstara 29th Nov 17, 10:53 PM
    • 2,775 Posts
    • 19,657 Thanks
    misstara
    That's a pain about the bank charge monz, I would phone the bank and see if they will waive it. About 2 months ago, I got a £10 charge because I'd forgotten to change the date for a standing order. I phoned up to explain and since it was the first time it has happened in years, I didn't have to pay it. It's worth a try
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £726.18 (68.5% paid)
    Car debt Nov 2017 £797.68 Now £499.01 (37.4% paid) + monthly payments £146.82 6/60
    Emergency fund - £0/£1000. Car fund - £0/£1000.
    Mini Targets in June
    Exercise target - 3/16. Groceries target £93.68/£175. NSD target 7/20.
    • monz
    • By monz 30th Nov 17, 8:42 AM
    • 3,203 Posts
    • 10,351 Thanks
    monz
    Aw I will just leave it...but payday is here

    2 weeks and 6 days until next one. Though January wages will be 5 weeks 1 day yikes!!

    Gonna buy the switch few other things n boom done with xmas

    Its my friends bday night out next week so need a dress for that. Other than that I am set

    Ohh got a house viewing on Saturday. Still not rushing anything but will see xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 238.04
    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)
    • WannabeFree
    • By WannabeFree 30th Nov 17, 8:44 AM
    • 1,627 Posts
    • 14,214 Thanks
    WannabeFree
    Happy Payday Monz

    Jealous of you being set for Xmas I can't wait to be finished

    Fingers crossed for the house viewing!

    Have a lovely day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • monz
    • By monz 30th Nov 17, 8:54 AM
    • 3,203 Posts
    • 10,351 Thanks
    monz
    Thanks Wannabe

    Also just realised its been a year today I was officially debt free. Still in shock a year on. <3
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 238.04
    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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