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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,184Posts
    • 10,095Thanks
    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 320/500 (252 for apart
    ment)
Page 124
    • monz
    • By monz 12th Feb 18, 1:50 PM
    • 3,184 Posts
    • 10,095 Thanks
    monz
    awww yay!!! Hope you like the group sorry if my morning post on scared ya off 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 320/500 (252 for apart
    ment)
    • JoJoC
    • By JoJoC 12th Feb 18, 1:54 PM
    • 1,776 Posts
    • 6,516 Thanks
    JoJoC
    Are you getting many surveys on PA Monz? Mine seems to have come to almost a standstill...been on 6-odd for at least a couple of weeks. Frustrating!

    Glad the text abuse has been quiet - let's hope she's given up!
    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*
    • monz
    • By monz 12th Feb 18, 2:06 PM
    • 3,184 Posts
    • 10,095 Thanks
    monz
    Yeah once in a while some but now its 49p away think they are witholding lol

    just got my voucher for amazon... they are sending me 40!!!! I thought would be 20 . Treating myself now to that tkd mummy jumper and next will be towards a new game for my sons nintendo switch 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 320/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 12th Feb 18, 2:18 PM
    • 3,742 Posts
    • 10,698 Thanks
    Dolly Rocker
    Yay that's a bonus!

    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
    • kindofagilr
    • By kindofagilr 12th Feb 18, 4:24 PM
    • 6,203 Posts
    • 20,865 Thanks
    kindofagilr
    Ohhh there is a online sale on switch games Monz I just got myself overcooked, it was nearly 50% I think, it's blooming addictive xx
    POAMAYC 2018 #87 Paid 1906.53/12,000 ~ 15.88%
    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)
    104,409/85,093.24 (as of 31/03/18) ~ 18.50% Paid

    Christmas Savings 2018: 70 Cash ~ Amazon Vouchers: 0
    Cyprus 2019 Savings: 500/6000 ~ Centre Parcs 2019 Savings: 0/1500

    My Debt Free Diary (Link)
    • abba1772
    • By abba1772 12th Feb 18, 5:43 PM
    • 4,732 Posts
    • 16,245 Thanks
    abba1772
    awww yay!!! Hope you like the group sorry if my morning post on scared ya off lol xx
    Originally posted by monz
    Not at all my legs are still wobbly
    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 13th Feb 18, 8:36 AM
    • 3,184 Posts
    • 10,095 Thanks
    monz
    How do you feel today Abba? The first four days are sore but after feel great

    12 days until payday. Hoping to get near to a cash out on VO today but likely tomorrow

    Nothing really to add tbh will work on my OP today and bloody try cash out PA n get above 20 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 320/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 13th Feb 18, 10:14 AM
    • 3,742 Posts
    • 10,698 Thanks
    Dolly Rocker
    PA is so sloooooooooooooooooow these days, wish it would pick up!

    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
    • JoJoC
    • By JoJoC 13th Feb 18, 10:19 AM
    • 1,776 Posts
    • 6,516 Thanks
    JoJoC
    PA is so sloooooooooooooooooow these days, wish it would pick up!

    Dxxx
    Originally posted by Dolly Rocker
    Me too!! I used to cash out 20 once per week! Now it's once per month if I'm lucky! Uurgh...
    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*
    • monz
    • By monz 13th Feb 18, 10:21 AM
    • 3,184 Posts
    • 10,095 Thanks
    monz
    Think April May time will be busy again due to like disertations etc being due..... I think :/
    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 320/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 13th Feb 18, 10:50 AM
    • 3,742 Posts
    • 10,698 Thanks
    Dolly Rocker
    Fingers crossed!!

    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
    • abba1772
    • By abba1772 13th Feb 18, 1:50 PM
    • 4,732 Posts
    • 16,245 Thanks
    abba1772
    How do you feel today Abba? The first four days are sore but after feel great

    12 days until payday. Hoping to get near to a cash out on VO today but likely tomorrow

    Nothing really to add tbh will work on my OP today and bloody try cash out PA n get above 20 xxx
    Originally posted by monz
    Legs are killing me doesn't help I went out today pushing a double buggy for four miles
    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
    • JoJoC
    • By JoJoC 13th Feb 18, 2:11 PM
    • 1,776 Posts
    • 6,516 Thanks
    JoJoC
    You'll be a goddess in no time at all, Abba!
    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*
    • JoJoC
    • By JoJoC 13th Feb 18, 3:51 PM
    • 1,776 Posts
    • 6,516 Thanks
    JoJoC
    There's 4 surveys on my PA right now Monz! Refresh!!
    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*
    • monz
    • By monz 14th Feb 18, 9:06 AM
    • 3,184 Posts
    • 10,095 Thanks
    monz
    I got one finally. Hope it clears and I can cash out

    Still awaiting my 100 prepaid card from BT will contact them next week if not arrived as says 30 days and that will up by then.

    Still no word from hire car people... hoping it stays that way tbh lol

    8 days until payday. VO is at 9.90 hoping to cash out Boots voucher then will move onto maybe cinema pass for me n my boy (only need to pay like 6 for him and we are sorted) for upcoming holiday and then save Tesco vouchers possibly undecided yet.

    This weekend. Friday going to my friends to visit for a cpl hours, and Saturday going to a fundraising night (bring your own booze) and actually going to have a sober one. I have imposed a 4 week ban, mainly just to clear my head and complete first month insanity sober
    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 320/500 (252 for apart
    ment)
    • kindofagilr
    • By kindofagilr 14th Feb 18, 9:30 AM
    • 6,203 Posts
    • 20,865 Thanks
    kindofagilr
    You are doing awesome Monz, is insanity mental?

    You always do so well with your vouchers etc

    Are you looking for houses to buy now? or are you waiting till you have the 10k saved? you are doing so well with that! xx
    POAMAYC 2018 #87 Paid 1906.53/12,000 ~ 15.88%
    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)
    104,409/85,093.24 (as of 31/03/18) ~ 18.50% Paid

    Christmas Savings 2018: 70 Cash ~ Amazon Vouchers: 0
    Cyprus 2019 Savings: 500/6000 ~ Centre Parcs 2019 Savings: 0/1500

    My Debt Free Diary (Link)
    • monz
    • By monz 14th Feb 18, 9:36 AM
    • 3,184 Posts
    • 10,095 Thanks
    monz
    It is literally insane but it works for me, so I stick it out. Kind of have a love hate with Shaun T during it lol hate it during it but love the results haha

    I am sort of looking. I have kind of took a mini dip into my savings like a dafty but hoping next cpl months get it healthier looking and look proper hoping in summer to have a new house (first home ) 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 320/500 (252 for apart
    ment)
    • JoJoC
    • By JoJoC 14th Feb 18, 9:40 AM
    • 1,776 Posts
    • 6,516 Thanks
    JoJoC
    Sounds like it's all positive in your camp right now! Glad you got a PA survey - I couldn't believe my luck when I saw a few on there

    Looking forward to hearing your month results after Shaun T has worked you into the ground!

    I've not been feeling well so avoided the gym and workouts for the last 5 days but getting back on it tonight. I have to! Don't want to lose momentum.
    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*
    • monz
    • By monz 15th Feb 18, 9:20 AM
    • 3,184 Posts
    • 10,095 Thanks
    monz
    Got a survey on PA this morning 4 pending and just still waiting for one approval so I can cash out lol.

    VO is at 1.40 so hoping to get to 3.

    a week until payday and I have shocked myself with over 100 left until payday. This staying in becoming a recluse and lost weight has its benefits. Anything I have left will be to go into my savings try get my house savings back up again.

    Still awaiting 50 cheque from newvista and 100 prepaid BT card.

    Tomorrow will be on laters in morning, its my friends baby funeral who sadly was born asleep during complications of birth. 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 320/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 15th Feb 18, 11:05 AM
    • 3,742 Posts
    • 10,698 Thanks
    Dolly Rocker
    Aw that is so sad 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
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