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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 120
    • Dolly Rocker
    • By Dolly Rocker 10th Jan 18, 8:42 AM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Fingers crossed for the car monz.

    My VO is now at £7.

    Will try to get that up to about £8 or £9 today.

    You just reminded me I have a few wee OP emails so gonna go and work through them now.

    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 10th Jan 18, 8:56 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    OP helps me with some paypal.... like end of month need milk and bread it helps out big time... small things.

    My friends laughed at first and now 4 have joined realising how much it does help 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 10th Jan 18, 9:03 AM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    It's great isn't 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
    • Scott_Weiland
    • By Scott_Weiland 10th Jan 18, 11:31 AM
    • 779 Posts
    • 2,029 Thanks
    Scott_Weiland
    OP helps me with some paypal.... like end of month need milk and bread it helps out big time... small things.

    My friends laughed at first and now 4 have joined realising how much it does help xx
    Originally posted by monz
    Haha i have 3 people at work doing opinion outpost surveys when its quiet it beats reading about crass celebrities on the daily mail website.
    Last edited by Scott_Weiland; 10-01-2018 at 11:34 AM.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
    • monz
    • By monz 10th Jan 18, 11:41 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    ... I do that too as well as OP haha x
    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)
    • Scott_Weiland
    • By Scott_Weiland 10th Jan 18, 11:51 AM
    • 779 Posts
    • 2,029 Thanks
    Scott_Weiland
    I love the site i have being on there probably 3 years now and i have probably consistently earned 2.50-5quid per week sometimes on occasions more. I use public transport to get to work which takes 60-90mins ish each way thats survey time.

    Do you do loads of others? bar op and prolific.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
    • abba1772
    • By abba1772 10th Jan 18, 12:11 PM
    • 4,812 Posts
    • 16,742 Thanks
    abba1772
    Good luck with the car monz

    I'm feeling the same woke up sooooooo sluggish think it's a shock to the system of being back at working trying to get back into some kind of routine and healthy eating lol 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 £4530.14
    • monz
    • By monz 11th Jan 18, 8:57 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    I won the 5k from OP thats how I got debt free so its my fave.

    Love Valued Opinions, Ipsos Isay, Prolific, crowdology, Mobrog, opinion bar. Think thats them all but I get signed up group surveys from ones I joined but they have been invite only through groups. Oh and pinecone research

    They called me again last night Abba and says will find out today they hope about my car.... how has it been with your insurance.

    VO is at £6.15 hoping to get £8 and maybe a cheeky cashout tomorrow :P

    14 days until payday 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)
    • monz
    • By monz 11th Jan 18, 9:14 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    Also forgot to add 100 points from newvista from cashing out £50 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)
    • abba1772
    • By abba1772 11th Jan 18, 10:34 AM
    • 4,812 Posts
    • 16,742 Thanks
    abba1772
    I won the 5k from OP thats how I got debt free so its my fave.

    Love Valued Opinions, Ipsos Isay, Prolific, crowdology, Mobrog, opinion bar. Think thats them all but I get signed up group surveys from ones I joined but they have been invite only through groups. Oh and pinecone research

    They called me again last night Abba and says will find out today they hope about my car.... how has it been with your insurance.

    VO is at £6.15 hoping to get £8 and maybe a cheeky cashout tomorrow :P

    14 days until payday xxx
    Originally posted by monz
    They are now going with the original quote which I gave them in September be lucky to get the guy booked now.......just want to the wall fixed so I can let the kids out the back because at the moment my garden looks abandoned 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 £4530.14
    • monz
    • By monz 12th Jan 18, 9:06 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    Woo Friday!!

    Been joined to two survey groups. One is paying me £30 first month then £10 a month after and the other is £20 for two week discussion that starts in couple weeks. I think its either amazon on paypal. If amazon then my dad birthday sorted very quickly, if paypal then I need to put this back into house deposit since I have literally been dipping into it but I dont regret it.

    VO is at £7.90 so I do not see me cashing out but hoping to get just about under £10 today then first cash out boots for my mum birthday , I know its in July but means I can get it out the way. Might even put £20 of it away and give her for mothers day even ... will think on it.

    13 days until payday 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 12th Jan 18, 9:33 AM
    • 1,625 Posts
    • 14,196 Thanks
    WannabeFree
    Doing well on the surveys Monz How long does it take for the vouchers to arrive in the post?

    I hope you hear about your car and I agree I'd want to change it too
    “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 12th Jan 18, 10:09 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    mainly are all in emails but through VO like 2 weeks really. They say up to 6 weeks.

    The tyre for my car is meant to arrive today, then I will get completion date... aka I am going to dealership asking abt changing my car n will pay a fee cos its a bit early I dont care. 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)
    • abba1772
    • By abba1772 12th Jan 18, 12:08 PM
    • 4,812 Posts
    • 16,742 Thanks
    abba1772
    How do get introduced to these groups monz I've never been invited to any 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 £4530.14
    • monz
    • By monz 12th Jan 18, 1:39 PM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    Its all through opinion outpost I seem to get invites outwith them and receive an email.

    Just got one for VO to try out new washer stains and will give me VO credit of ten pounds in a week plus new stain remover 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)
    • Dolly Rocker
    • By Dolly Rocker 12th Jan 18, 7:49 PM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Excellent on getting part in the survey groups!

    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 15th Jan 18, 9:59 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    Hey

    Cashed out £10 boots this morning. Thinking this will go towards my mums mothers day whenever that is :P but will get like £30 to it and be a good daughter

    VO now at 90p.

    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 15th Jan 18, 10:05 AM
    • 3,815 Posts
    • 10,896 Thanks
    Dolly Rocker
    Oh go you.

    Love it when I can cash out, hopefully this week at some point for me!

    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 16th Jan 18, 10:46 AM
    • 3,200 Posts
    • 10,337 Thanks
    monz
    VO is now at £3.40 after surveys today

    Nothing else to report. I did some newvista surveys as I am 100 points from cashing out £50 so end of month that will hit that but will be a while before I get that cheque. This will be going to money I owe my savings account :/

    Going to try do some OP today and try get that up 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)
    • misstara
    • By misstara 16th Jan 18, 4:47 PM
    • 2,773 Posts
    • 19,651 Thanks
    misstara
    You're doing fab with the surveys as always monz . Hope you got some on OP today.
    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.
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