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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,200Posts
    • 10,337Thanks
    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 119
    • Purplemumof2
    • By Purplemumof2 2nd Jan 18, 1:24 PM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    Afternoon Hun,

    Just caught up with your diary, ouch to the car, hope its getting sorted.

    Happy New Year to you and lil man 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 2nd Jan 18, 2:43 PM
    • 4,808 Posts
    • 16,732 Thanks
    abba1772
    Happy new year 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 £4430.14
    • WannabeFree
    • By WannabeFree 4th Jan 18, 1:31 PM
    • 1,624 Posts
    • 14,180 Thanks
    WannabeFree
    Happy new year 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 8th Jan 18, 9:24 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    Happy new year everyone! Hope you all had an amazing Christmas!!

    My car is looking like it will be a right off. Still waiting news from garage on this I have been provided with a hire car, if it is a write off they will give me a cheque to pay off for car however it is £400 less than what I to pay so I am refusing to pay for a car thats written off and not my fault. Will see what happens. It just been a nightmare tbh,

    I have went into savings a bit, however I am starting to try not be so hard on myself cos I know I can do it and me and my son had an amazing christmas!

    So looking forward get into surveys head down right in and omg diaries xxxx
    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)
    • Purplemumof2
    • By Purplemumof2 8th Jan 18, 9:48 AM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    Stick to your guns regarding your car hun 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
    • Dolly Rocker
    • By Dolly Rocker 8th Jan 18, 9:58 AM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Happy new year monz.

    So happy you had a great Christmas and New Year, knew you would!

    Nightmare about the car, hope you can manage to get it all sorted out.

    I'm looking forward to getting back into the surveys too.

    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 8th Jan 18, 12:08 PM
    • 4,808 Posts
    • 16,732 Thanks
    abba1772
    I would chase the council for the additional £400 monz.........I'm currently chasing the housing association for my excess on my claim for my wall plus money for my premium going up due to making a claim...........fingers crossed 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 £4430.14
    • monz
    • By monz 8th Jan 18, 12:45 PM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    Just awaiting news on if my car is a write off. not heard anything yet 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 8th Jan 18, 12:49 PM
    • 1,624 Posts
    • 14,180 Thanks
    WannabeFree
    Hope you get the car sorted Monz

    Sounds like you had a brilliant Xmas though 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 8th Jan 18, 1:13 PM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    my bank account savings took a hit but my son was happy and smiling so thats all that matters

    Oh another payment went out for my hols just under £400 to pay now and complete 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)
    • Purplemumof2
    • By Purplemumof2 8th Jan 18, 1:22 PM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    Exciting times hun.

    Your holiday will soon be paid for and you'll be sunning yourself again 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
    • Dolly Rocker
    • By Dolly Rocker 8th Jan 18, 1:34 PM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    You will pay that holiday off in no time!

    Sun sounds good to me, it's baltic today.

    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
    • misstara
    • By misstara 8th Jan 18, 6:25 PM
    • 2,773 Posts
    • 19,646 Thanks
    misstara
    Happy new year monz . Hope you manage to get the car sorted.
    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 9th Jan 18, 9:21 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    Still no word on car. Will phone tonight when I finish work

    OMG its too blinking cold to function !!

    16 days to payday too... forgot my countdown yest oops!

    VO at £2.40 so hoping to get that to £4 today ccc
    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 9th Jan 18, 9:48 AM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    It is freezing!!!

    I want to get my VO up to about £6.50 today.

    Challenge is onnnnnnnnnnnnn 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
    • abba1772
    • By abba1772 9th Jan 18, 12:10 PM
    • 4,808 Posts
    • 16,732 Thanks
    abba1772
    I can't feel my toes
    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 £4430.14
    • Dolly Rocker
    • By Dolly Rocker 9th Jan 18, 12:22 PM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    I'm slightly less chilled than I was when I last posted, I have my scarf on still but have taken off my gloves

    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 9th Jan 18, 12:31 PM
    • 1,183 Posts
    • 6,822 Thanks
    JoJoC
    It's so cold here too Monz - I just opened the door to the DPD driver and honestly felt like I had frozen on the spot. I've got a blanket over my legs while I'm working like I'm 80 years old, but I don't even care!
    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*
    • WannabeFree
    • By WannabeFree 9th Jan 18, 1:19 PM
    • 1,624 Posts
    • 14,180 Thanks
    WannabeFree
    It isn't as cold as yesterday here, although still far from enjoyable

    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 10th Jan 18, 8:35 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    Its so much better today.... but I checked weather app and snow next week again !!!

    Got a call from my lawyers regarding my car and I should find out today whats going on or when I get my car back and I wont lie if I get it back getting a new car. I dont want a car thats been hit and a near write off, even if it puts me out money safety first.

    VO is at £4.15 hoping to get to £6. Need to get back on OP been slacking but just trying to get back into my routine

    15 days until payday and today I am feeling so tired... think its hit me now first week back at work lol 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)
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