Need to get myself together: The beginning

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  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
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    Just caught up Monz!!!!!

    OMFG!!!!!!!!!!!!!!!!! congratulations hun!!! I am so so so happy for you!!!!! xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Thank you :) it was a big shock/ surprise for myself too. I thought I complained about being cut out of a survey and had no memory... did not expect a 6 am email stating I won £5,000!

    And honestly I never ever believed in prize draw entries..... now I do x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • moneyonmymindsam
    moneyonmymindsam Posts: 2,243 Forumite
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    Monz!!!!!

    OMG!!!!!!!!!!!!!!!!! times infinity


    I am thrilled - just wanted you to know how happy I am for you too, You are such a great mum. As always so proud of all you do! Sam xx
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • moneyonmymindsam
    moneyonmymindsam Posts: 2,243 Forumite
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    You seriously have 38.17 debt and 3.5k in the bank - now we got to become saving buddies:rotfl:
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Thank you Sam! It still doesnt seem real!

    This morning I booked Kelburn Castle Christmas Santa Grotto for me and my boy on 4th December :) Cannot wait. It will be a good fun day out.

    Done a survey yesterday and should receive £3 in paypal... might slide that to loan :P

    16 days until payday xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    Kelburnis is great bonus for me as it's not too far from me and there's always a deal on groupon lol xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 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 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Did you see their Xmas deal? I am going to stay at my mum and dads flat in Millport the night before as its closer and we can have a we night there before :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    monz wrote: »
    Did you see their Xmas deal? I am going to stay at my mum and dads flat in Millport the night before as its closer and we can have a we night there before :) x

    No I haven't but I'm off to check now xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 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 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Cool :) Let me know what you think? I booked the 4th December.

    Nothing much to add today. Hopefully get my £3 from survey and bung over to loan making it £35.17 might even add 17p I hate odd numbers lol

    15 days until payday. Interest has not been added to loan yet I am keeping a watch x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Just checked online the interest has been added so my last payment is 1 December 2016 of £49.34 :)

    I might just leave the £3 in my account as not to mess with it anymore x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
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