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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,224Posts
    • 10,301Thanks
    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 118
    • abba1772
    • By abba1772 6th Dec 17, 11:50 AM
    • 4,808 Posts
    • 16,689 Thanks
    abba1772
    How exciting sounds all very positive go you xx

    I only took my gran round for the viewings as she bought a lot of houses in her time 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 £4422.29
    • monz
    • By monz 6th Dec 17, 12:55 PM
    • 3,224 Posts
    • 10,301 Thanks
    monz
    yeah they were asking questions n i was like oh didnt even notice lol!

    phoned advisor out in meeting. Barclays offering a good AIP will mail you Abba dont like posting some this stuff on this if thats ok? I dont know if I shd go for it ahhh 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)
    • kirtsypoos
    • By kirtsypoos 6th Dec 17, 1:19 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    House sounds and looks lovely monz exciting times!! 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 6th Dec 17, 6:20 PM
    • 4,808 Posts
    • 16,689 Thanks
    abba1772
    yeah they were asking questions n i was like oh didnt even notice lol!

    phoned advisor out in meeting. Barclays offering a good AIP will mail you Abba dont like posting some this stuff on this if thats ok? I dont know if I shd go for it ahhh xxx
    Originally posted by monz

    That's fine Hunni pm me 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 £4422.29
    • monz
    • By monz 7th Dec 17, 1:31 PM
    • 3,224 Posts
    • 10,301 Thanks
    monz
    Thanks Abba <3

    1 week and 6 days until payday.

    I have been quite lucky on PA last cpl days and managed to get some good surveys. will try up my OP not been on much. Hoping in cpl weeks and get my big sis dollars with money. Think I have about £8 in paypal and will get her dollars with that

    VO is nearly £5. Cashed out £20 on boots treat myself and hoping by time I finish work in under two weeks can cash out another £20 and buy myself a decent foundation

    Then Jan will be trying get vouchers for topshop for my birthday night out

    Then back to amazon for my dads birthday March 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 7th Dec 17, 2:07 PM
    • 3,815 Posts
    • 10,890 Thanks
    Dolly Rocker
    Hey monz,

    My PA has been quite slow, have about £6ish on there so will cash out when it gets to over £20 then add that to my pot for pressies.

    VO is just at £5 for me today but its taking me ages on there right now.

    Oh treat yo self lady!

    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 7th Dec 17, 2:17 PM
    • 6,153 Posts
    • 22,631 Thanks
    Purplemumof2
    Hi Lovely,

    Just caught up with your diary.

    Congratulations on one year debt free

    You're doing really great with the surveys and being half way through paying for your holiday.

    I've had a look at the house and it looks fab, you'll soon make it your own
    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 13th Dec 17, 9:48 AM
    • 3,224 Posts
    • 10,301 Thanks
    monz
    Sorry I have no posted. Just Been too tired and nothing much to post.

    7 days to payday. I am considering not putting into a mortgage and that house even though I love it... just I never thought lawyer fees etc plus I want money aside for furniture. i want to have a little bit more saved.

    I finish up work in 7 days. VO is at 90p hope to get this to £2.50 end of day. I have got £30 coming for myself Boots and hoping time I finish up will be £40 Then start for Topshop I think 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 Dec 17, 9:58 AM
    • 6,153 Posts
    • 22,631 Thanks
    Purplemumof2
    Morning hun,

    Probably a wise decision and a few months waiting will make it even more worthwhile.

    You're doing well on the surveys and yay to spoiling yourself, I love Boots 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 13th Dec 17, 10:14 AM
    • 3,224 Posts
    • 10,301 Thanks
    monz
    I need foundation and been buying the £3/4 from amazon and ebay... my skins been breaking out n that since so thought lil treat and a decent eye liner 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)
    • abba1772
    • By abba1772 13th Dec 17, 11:12 AM
    • 4,808 Posts
    • 16,689 Thanks
    abba1772
    Treats are even better when it costs you nothing 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 £4422.29
    • monz
    • By monz 15th Dec 17, 10:11 AM
    • 3,224 Posts
    • 10,301 Thanks
    monz
    Woo its Friday and finish up next Wednesday for 3 weeks (just under) and it will be payday.

    Nothing to update on VO is at £4.60 Hope to reach £6 by end of day and bfore finish up get to cash out another voucher for Boots 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)
    • abba1772
    • By abba1772 15th Dec 17, 1:40 PM
    • 4,808 Posts
    • 16,689 Thanks
    abba1772
    Lucky you 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 £4422.29
    • monz
    • By monz 20th Dec 17, 10:15 AM
    • 3,224 Posts
    • 10,301 Thanks
    monz
    What a nightmare I have had in last 24 hours. Just in time for xmas :/

    Finished work and came home to find my car is written off... yes a bin lorry reversed into my car.... a week before xmas and I needed to race to get things done as it was. I phoned insurance and got ball rolling then had to wait over 3 hours for a recovery car. but got 5 witnesses and they are going to contact Glasgow City council and charge them for everything. Need to leave work super early today to race home for a hire car. Nightmare is understatement!!!

    payday today. Sort out some point

    Hope all have an amazing xmas <3
    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)
    • WannabeFree
    • By WannabeFree 20th Dec 17, 10:49 AM
    • 1,597 Posts
    • 14,033 Thanks
    WannabeFree
    Oh no that's awful! I hope it gets sorted quickly for you!

    I hope you and the boy have an amazing Christmas x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • abba1772
    • By abba1772 20th Dec 17, 12:04 PM
    • 4,808 Posts
    • 16,689 Thanks
    abba1772
    Oh no thank goodness there were witnesses, why weren't the police called when it happened tho......council workers can sometimes be a law upon themeselves.......is there cctv where you parked???
    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 £4422.29
    • Dolly Rocker
    • By Dolly Rocker 20th Dec 17, 12:37 PM
    • 3,815 Posts
    • 10,890 Thanks
    Dolly Rocker
    Oh for goodness sake!

    That is a nightmare so it is!

    So glad you have witnesses.

    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
    • kirtsypoos
    • By kirtsypoos 20th Dec 17, 4:35 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    What a pain in the backside Monz! Hope they get it sorted ASAP for you 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
    • reality_check
    • By reality_check 28th Dec 17, 1:42 PM
    • 728 Posts
    • 1,691 Thanks
    reality_check
    Merry (belated) Christmas!! hope you and your son had a great day and you're enjoying your 3 weeks off! Do you always get that at Christmas? Sounds amazing! I am loving all the days merging into one and not knowing what day it is and just eating and drinking far too much

    Hope you got your car sorted too, absolute nightmare!! I thought I was the bin mens number 1 hater since they never emptied my bin on Friday, everyone in the street apart from mine!! but I think you beat me! xxx
    Starting debt £18,675.63
    Current debt: £5,000 (16/05/18)
    • kindofagilr
    • By kindofagilr 2nd Jan 18, 9:45 AM
    • 6,215 Posts
    • 20,908 Thanks
    kindofagilr
    Merry Christmas, and Happy New Year

    Sorry to hear about your car I hope you have it sorted, it's a PITA getting it all sorted, ours was written off nearly 3 years ago and it was crap

    Yay for a Switch for your son, we got one for our two as well, they love it, what game did you get? we got Mario Odyssey and Splatoon 2 (we are big fans of splatoon from the Wii-U)

    And I just wanted to say that you are an inspiration, you have done (and are doing) so so so well xxx
    POAMAYC 2018 #87 Paid £7741.33/£12,000 ~ 55.01%
    POAMAYC 2017 #87 Paid £10,380.18/£10,000 ~ 104%
    POAMAYC 2016 #87 Paid £7454.80/£7000 ~ 106%


    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: £170 Cash ~ Amazon Vouchers: £40
    Cyprus 2019 Savings: £500/£6000 ~ Centre Parcs 2019 Savings: £0/£1500

    My Debt Free Diary (Link)
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