Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,191Posts
    • 10,128Thanks
    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 - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
Page 122
    • Purplemumof2
    • By Purplemumof2 1st Feb 18, 9:47 AM
    • 6,071 Posts
    • 22,305 Thanks
    Purplemumof2
    Happy Belated birthday for last week, glad you had a great time.

    Gah to silly girls, sounds like she's a bit of a psycho Good on you for messaging her back with your own choice of words.

    Don't feel like a bad mum over your lil man, all kids act up and as much as its inexcusable what he did, you did the right thing by making him apologise. I know plenty of mums that wouldn't do that and blame the other child....part of the reason we moved

    You've done great with the holiday payments, that'll soon be here before you know it.

    Yay to getting your car back and I can't say I blame you for wanting to chop it in...I think I'd be the same.

    As for Britney............lol xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • monz
    • By monz 1st Feb 18, 10:40 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    I had him bring in chocolates and a letter. I phoned the school also to see what happened and if this is an occurance etc. Also about lack of communication. I also told deputy head that he has been grounded for it and he got the girl a letter n chocolate... feel like I sold him down a river though my mum said I should not have said abt his punishment I feel awful.... due to get a phone call at lunch time xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Purplemumof2
    • By Purplemumof2 1st Feb 18, 10:47 AM
    • 6,071 Posts
    • 22,305 Thanks
    Purplemumof2
    my mum said I should not have said abt his punishment
    Originally posted by monz
    We always tell the school what sanctions have been imposed and our two are at secondary school, we did the same at primary school too xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Dolly Rocker
    • By Dolly Rocker 1st Feb 18, 11:25 AM
    • 3,756 Posts
    • 10,715 Thanks
    Dolly Rocker
    Aw monz, can't be easy all this.

    Sending hugs.

    Dxxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    17th April 2018 - I have 5 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 1st Feb 18, 11:53 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Spoke to school and now I have huge mammy guilt... Turns out the we girl wasnt doing her work and was trying to wind my boy up and he turned to try swat her away and she got hit by a pencil. The teacher sorted it and didnt tell anyone as nothing to tell and they wondering who the lil snitch was grassing him up.

    I feel so terrible. They were like we were just commenting how welll your son is doing and how far he has came so I mentioned TKD and playing for Scotland and they are going to give him a special mention in next assembly if he could bring in his medals to show how proud they are.

    I need to take him out tonight after tkd (life his grounding) and buy him something. I feel like worst mum ever I even used the line disappointed and everything my poor we boy was in tears and he has a we soul that takes things to heart.... I am feeling like sh*t xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 1st Feb 18, 12:04 PM
    • 3,756 Posts
    • 10,715 Thanks
    Dolly Rocker
    Oh don't be to hard on yourself, you know you were only going on the information provided to you at the time by the school.

    Just enjoy some time with him and it will all be fine.

    You are not a bad Mum monz.

    Dxxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    17th April 2018 - I have 5 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • Purplemumof2
    • By Purplemumof2 1st Feb 18, 12:40 PM
    • 6,071 Posts
    • 22,305 Thanks
    Purplemumof2
    As Dolly said, don't be so hard on yourself.

    You did what you had to based on the information you had at the time and I'd have done the same thing, thinking about it...I think I probably have done

    You're certainly not a bad mum and if parenting was easy, everyone would do it.

    How lovely of the school to ask him to bring in his medals and for the mention in assembly, you must be very proud and rightly so

    Sending lots of hugs xxx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • abba1772
    • By abba1772 1st Feb 18, 2:36 PM
    • 4,737 Posts
    • 16,291 Thanks
    abba1772
    Bless you monz you're in no way a bad mum if my kid said to me they hit someone I would have flipped my lid too

    You've got a good boy there and by you apologising to him he'll see that even adults get it wrong sometimes 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 4152.74
    • monz
    • By monz 1st Feb 18, 3:21 PM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Just had word that the deputy head was so proud hearing he is competing for Scotland next month she got him up on stage and said how proud she is of him and asked him to bring medals in as he is doing brill. He sounded so proud on the phone <3
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • abba1772
    • By abba1772 1st Feb 18, 4:09 PM
    • 4,737 Posts
    • 16,291 Thanks
    abba1772
    Just had word that the deputy head was so proud hearing he is competing for Scotland next month she got him up on stage and said how proud she is of him and asked him to bring medals in as he is doing brill. He sounded so proud on the phone <3
    Originally posted by monz

    Aww that's lovely 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 4152.74
    • monz
    • By monz 5th Feb 18, 8:38 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Morning!

    Had a lovely quiet weekend and stayed in and was off fb also. Completed week one insanity and can see a difference already . Week 2 starts after work tonight. I was going to get up at 5am but cd not sleep cos saddo like I am saw kylie jenner had her baby n was on internet all night like it was a family member.... I need one those things called a life I heard about haha

    My VO is at 11.65 but my dads birthday is next month so going to cash out 15.

    Awaiting 10 still from a survey. Will go email and ask about that. Due another 20 from another think will be this week. I do not know if this is paypal or amazon yet :/ If paypal then this is going into house fund that I have kind of attacked oops! 50 cheque is on way from newvista and again house deposit once here.

    17 days until payday. I will be having another quiet weekend this one and its my boys comp on Sunday !! I cannot wait for that, he is so laidback and I am nervous lol.

    Hope all is well.

    PS that friend kept texting and ending calling me crying how she has noone to trust... funny that I dont trust her either and made it all about her again.. just not interested
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 5th Feb 18, 8:43 AM
    • 3,756 Posts
    • 10,715 Thanks
    Dolly Rocker
    Aw sounds like a fab weekend!

    Doing fab with the surveys so you are

    You must be so excited about his wee comp

    Dxxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    17th April 2018 - I have 5 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 5th Feb 18, 9:00 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Aww I am but I also got a letter from hire car saying theres a scratch and will get back to me abt payment... I never scratched it or anything so will be challenging that

    Aww I am, wish I was laidback like him lol he takes it all in his stride xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 5th Feb 18, 9:28 AM
    • 3,756 Posts
    • 10,715 Thanks
    Dolly Rocker
    Oh god that's not good.

    Did they not do a check of it with you when you handed it back?

    Dxxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    17th April 2018 - I have 5 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 5th Feb 18, 9:54 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    No they did not but I took pictures with time and date showing and no scratches or dents. xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • abba1772
    • By abba1772 5th Feb 18, 11:57 AM
    • 4,737 Posts
    • 16,291 Thanks
    abba1772
    They can't do that surely not your fault they didn't check it at handover.....it could have happened whilst it was parked up so defo fight that 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 4152.74
    • monz
    • By monz 5th Feb 18, 1:57 PM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    I am going to fight it Abba. Honestly one thing after another. I will say when I left the car it was fine and everything not a scratch from when I had it.

    Got 10 amazon voucher so will add that to my dads. When I get the 15 that can be his bday completed. Will get 25 for his bday n a small gift like chocolates lol. xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Purplemumof2
    • By Purplemumof2 5th Feb 18, 2:56 PM
    • 6,071 Posts
    • 22,305 Thanks
    Purplemumof2
    Grr to the hire fiasco, stick to your guns lovely.

    Ekk to the comp, how exciting.

    You're doing well with the surveys, I really must get back into them again.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • monz
    • By monz 6th Feb 18, 9:11 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    No news yet about my car hire :/ received letter regarding the incident about my car and said will not need to worry about paying them for costs as the other will cover... I should think so as well!!!

    VO at 13 hope to reach abt 14 today and cash out 15 for my dad.

    Think next will go for Tesco vouchers. Try get 20 for somethings.

    Awaiting confirmation for 20 from a survey I had taken part in and also 50 in mail from new vista. Worried this will have to go to hire car . Hopefully can go right into my house deposit try get that back up xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • JoJoC
    • By JoJoC 6th Feb 18, 9:29 AM
    • 1,800 Posts
    • 6,582 Thanks
    JoJoC
    You are doing so well with your surveys - I'm really impressed how much you get through them! I struggle to find the time (and sometimes the motivation) to do them but once I get started I'm on a roll.

    I love that you set goals for certain vouchers and just keep hammering away to cover the costs of events. I might try to do this - but will need to think about it some more.
    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*
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

131Posts Today

1,732Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin