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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,295Posts
    • 10,824Thanks
    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 : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
Page 132
    • monz
    • By monz 16th Apr 18, 12:16 PM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    Aw thank you Abba <3

    Spoke to Toyota Finance and the money I will be getting back is the 68.26 overpayment I did in panic due to all the hassle. Should be due in end this week. Will round this off and send 70 to my savings and find 30 to cover the money I lent out . Then start diff pots for holiday/ Belfast xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
    • monz
    • By monz 16th Apr 18, 3:49 PM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    Updated my signature. I will need to reign in the ropes next couple months. I will be 50 short before my mini target of 7k by end this month but least I got nearly there. Plus helped my friend counts more.

    Found out for a survey quest I have been taking part in I will be due to receive 45 amazon vouchers end of month... this will go to a microwave I will need for house. At 3.65 for VO this will be for Argos. Will build up so to cover, toaster, iron and kettle Slowly but surely will get there for starter house pack

    When I get paid will also add 100 to holiday spending so will be halfway there for Spain. Hoping end May I can hopefully get that to 200 at a push even but 5 week month so maybe not :P. xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
    • monz
    • By monz 17th Apr 18, 9:59 AM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    Got my car debt and finance sorted (still not got my money back will soon ... well by Friday or another phone call!!!)

    my debt total outstanding is 11848.25 for car. Monthly payments are 159.99. Will try make overpayments of 25 per month, though some months could be after my holiday with things coming up xx

    9 days until payday
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
    • monz
    • By monz 18th Apr 18, 9:24 AM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    Morning. 8 days until payday I have 50 to my name and nothing planned this weekend, so should be fine ! Anything left over holiday fund. Got a PA survey thats like 10 and over 6 weeks get 50 so fingers crossed I pass, been on all morning lol long survey

    Goals for end of May pay -

    250 holiday spending
    7,350 house deposit

    5 week month so will be hard but starting to keep myself in abit more etc Got too much coming up. Ideal goals is 300 spending money and can focus on Belfast :P xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
    • Dolly Rocker
    • By Dolly Rocker 18th Apr 18, 9:31 AM
    • 3,901 Posts
    • 11,211 Thanks
    Dolly Rocker
    Oh I started that survey but it was gonna take to long and I'm not able to do it at work without getting my booty kicked!

    Good luck with it.

    Dxxx
    CWP Goal Weight 25lbs/91lbs
    Debt Free Wannabe 3,269.39/6,649.97
    3-6 Month EF, 140/7,000
    5th August 2018 - I have 2 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • Dolly Rocker
    • By Dolly Rocker 18th Apr 18, 9:32 AM
    • 3,901 Posts
    • 11,211 Thanks
    Dolly Rocker
    Oh I started that survey but it was gonna take to long and I'm not able to do it at work without getting my booty kicked!

    Good luck with it.

    Dxxx
    CWP Goal Weight 25lbs/91lbs
    Debt Free Wannabe 3,269.39/6,649.97
    3-6 Month EF, 140/7,000
    5th August 2018 - I have 2 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 18th Apr 18, 9:46 AM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    Sitting in work trying to do in between :P lol xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
    • monz
    • By monz 18th Apr 18, 1:16 PM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    Just got an email I won 10 amazon vouchers in a quiz I took

    This means now got 26 amazon vouchers and soon to be due an additional 45. This will more than cover microwave and find out what to add next to my "new home" list.

    Viewing a house tonight and it has an island in the kitchen *swoon* always wanted one fingers crossed xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
    • Dolly Rocker
    • By Dolly Rocker 18th Apr 18, 1:29 PM
    • 3,901 Posts
    • 11,211 Thanks
    Dolly Rocker
    An island!!!! Oh my god - I would LOVE that!!!

    Got a spare room??

    Dxxx
    CWP Goal Weight 25lbs/91lbs
    Debt Free Wannabe 3,269.39/6,649.97
    3-6 Month EF, 140/7,000
    5th August 2018 - I have 2 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • JoJoC
    • By JoJoC 18th Apr 18, 2:33 PM
    • 1,128 Posts
    • 6,866 Thanks
    JoJoC
    Ooh! An island feature in my kitchen plans foe 2020!

    Fancy sharing a link to the house? I love nosying at houses
    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 18th Apr 18, 2:34 PM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    http://www.s1homes.com/Houses-for-sale/2018041706345341.shtml

    Its not a big island and I have already changed everything in my head. The walk in wardrobe room will be my boys games room lol xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
    • UncannyScot
    • By UncannyScot 18th Apr 18, 5:24 PM
    • 1,579 Posts
    • 8,715 Thanks
    UncannyScot
    Braw hoose

    Fingers crossed for you
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • JoJoC
    • By JoJoC 18th Apr 18, 8:34 PM
    • 1,128 Posts
    • 6,866 Thanks
    JoJoC
    Thats a great size and i love the kitchen/ dining room layout .

    Have you seen it yet? Whats the verdict?
    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 19th Apr 18, 8:35 AM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    Saw it last night and fell in love. It is even bigger than the pictures show! The kitchen has a huge walk in cupboard and a pantry!! I made an offer last night ten minutes after viewing and he got back to me saying considering and will know by Wednesday 12 noon aka unless he gets a better offer!!!! I love this house.

    7 days until payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
    • JoJoC
    • By JoJoC 19th Apr 18, 9:36 AM
    • 1,128 Posts
    • 6,866 Thanks
    JoJoC
    How exciting!! Hope they don't keep you hanging on for too long - fingers crossed for you!

    I remember how it felt when we bought our house - offer 1, rejected. Offer 2, made us wait ages then came back saying if we can move quickly (i.e in 8 weeks) then she'd accept. So we did! Offer was accepted 14th October and we moved in 1st December.

    Keep us updated with how you get on!

    8 days until pay day here!
    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 19th Apr 18, 9:55 AM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    Already been rejected few weeks ago for another house but I like this more. I do not think I will find out until Wednesday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
    • monz
    • By monz 20th Apr 18, 8:37 AM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    Still no word on if I have the house (yes I keep checking my emails :P) even though will have heads up Tuesday I still wanna see haha .

    Cashed out PA for 12 so this will go to holiday funds making it 150. I have 50 to end of month and all I need is petrol and some food so might be able to add 20 to this. Will try aim now to get holiday funds complete for Spain end of this month as when I get paid will add 100 and then I can concentrate on getting 500 for Belfast in July.

    Cashed out VO 10 argos so will try get another one hopefully by next week and hear news xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
    • Chrystal
    • By Chrystal 20th Apr 18, 11:39 AM
    • 374 Posts
    • 2,420 Thanks
    Chrystal
    keeping my fingers crossed for you Monz, the house looks lovely. X
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • abba1772
    • By abba1772 21st Apr 18, 5:17 PM
    • 4,996 Posts
    • 17,591 Thanks
    abba1772
    The house is lively monz fingers crossed for you Hunni xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 3994.62
    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 6675.63
    • monz
    • By monz 23rd Apr 18, 9:04 AM
    • 3,295 Posts
    • 10,824 Thanks
    monz
    Find out tomorrow of Wednesday about the house. I now have 180 for holiday spending. Get paid on Thursday so will be 280 and hopefully be happy with a new house (or new debt to be lol)

    I went on a date Saturday, we drove to Loch Lomond for a bit and think I am seeing him again Friday (embarrased smile to add here) he is nice even got a mail from him when I got home saying he really likes me haha. Its a difference from normal guys I have been going out with... even to point holding my hand walking about lol

    will work on VO. Did the memory 6 week test this morning. Hoping I can stick to it and cash out 50 which will help for Belfast xx
    Last edited by monz; 23-04-2018 at 9:07 AM.
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 60
    car PCP - 788.96/11848.25 mum and dad 800/4,000 mortgage - 83,695 o/s currently - paid 468.54 (4.10 overpayment)
    boys bday 115/300 (35 pending surveys) Christmas - 0/500
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