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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,234Posts
    • 10,509Thanks
    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 : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
Page 138
    • monz
    • By monz 14th May 18, 9:23 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    when I get word fully from mortgage people today of full confirmation, I will be phoning them tomorrow on my lunch

    Finishing off a PA study next week and will be due 50 though this is due to Belfast. Hoping I will have money left over from Spain as 300 spending and All inclusive should be more than enough.

    End of June the owners are wanting xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • Dolly Rocker
    • By Dolly Rocker 14th May 18, 9:37 AM
    • 3,863 Posts
    • 11,034 Thanks
    Dolly Rocker
    Aw thank the lord for that!!

    So happy for you Monz.

    Dxxx
    CWP Goal Weight 21lbs/91lbs
    Debt Free Wannabee 2,840.31/6,649.97
    3-6 Month EF, 140/7,000
    2nd July 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • UncannyScot
    • By UncannyScot 14th May 18, 10:01 AM
    • 1,511 Posts
    • 8,433 Thanks
    UncannyScot
    Hallebleedinluyah for that

    SO glad your Mam came around in the end to help you and that other folks / family are rallying round to help too
    Massive congrats to you missus, so, so happy for ya
    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.
    • Purplemumof2
    • By Purplemumof2 14th May 18, 3:46 PM
    • 6,179 Posts
    • 22,724 Thanks
    Purplemumof2
    That's excellent news Monz, made up for you both xxx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6130.00 Cap 1: 305.35 BC: TBC

    POAMAYC 2018 #041 PD 6559.32/7000
    Savings for Christmas 233.21/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • TheMagician
    • By TheMagician 14th May 18, 6:58 PM
    • 260 Posts
    • 518 Thanks
    TheMagician
    So glad that worked out for you!
    Bet you are so excited - being a home owner is a wonderful feeling
    • monz
    • By monz 15th May 18, 8:33 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    Thanks everyone. No word back yesterday. Will send an email after work to see things are doing

    Also hurry up blinking payday lol!! 2 weeks on Thursday hate 5 week months xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • Dolly Rocker
    • By Dolly Rocker 15th May 18, 8:51 AM
    • 3,863 Posts
    • 11,034 Thanks
    Dolly Rocker
    5 week months are the worst!

    Oh just realised I haven't replied to your text

    Off to find my phone!

    Dxxx
    CWP Goal Weight 21lbs/91lbs
    Debt Free Wannabee 2,840.31/6,649.97
    3-6 Month EF, 140/7,000
    2nd July 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • JoJoC
    • By JoJoC 15th May 18, 9:26 AM
    • 1,128 Posts
    • 6,833 Thanks
    JoJoC
    Another one over here hating the five week month...
    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 16th May 18, 9:02 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    I mailed my mortgage adviser and she says underwriters have approved it and awaiting valuation team to sign it off which should be soon and will let me know.

    Never again lol! Hoping Friday will know more. If not will mail her Friday when I finish work.

    Been at training all week and not ate the sandwiches.

    Also forgot to add had my first weigh in SW and lost 6 pounds in my first week xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • AnimalTribe
    • By AnimalTribe 16th May 18, 10:24 AM
    • 112 Posts
    • 1,819 Thanks
    AnimalTribe
    Monz

    I've been reading your thread from the beginning - what an amazing achievement going from debt to first time home owner.

    I've not seen anyone on the thread mention QMEE. It pays you for some (not all) searches you do on Google. It also lets you take surveys. I also use Receipt Hog - basically you take snaps of any receipts you get and when you've uploaded a certain number you get paid. Neither pay out huge amounts, but it builds steadily for not much effort. HTH
    Last edited by AnimalTribe; 16-05-2018 at 10:27 AM. Reason: '!!!8217;' instead of quote or dash in text
    • monz
    • By monz 17th May 18, 8:31 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    Thank you Animaltribe! Hope I was not boring ! Will have a look

    Not been able to do surveys as out training all this week for work. Going to be a proper Welfare Rights Officer . Before was just admin

    2 weeks until payday and most def counting lol!

    Hoping tomorrow I get final confirmation of mortgage all gone through with valuation team. I was told I can mail my solicitor and request a move in date, so will look at my calender today. I also worked on my spreadsheet and tweaked it for "mum loan" and payments to that and what I will be left at end of month. America will be put off for another year but its for a good cause xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • abba1772
    • By abba1772 17th May 18, 8:49 AM
    • 4,835 Posts
    • 16,896 Thanks
    abba1772
    It's the worst bit of buying a house is the waiting but the stress will be worth it 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 4782.14
    • kindofagilr
    • By kindofagilr 21st May 18, 12:56 PM
    • 6,218 Posts
    • 20,954 Thanks
    kindofagilr
    YAY, so pleased your mam is helping you out that's the best solution

    And well done on your weight loss, I've had 2 weeks off, one week off food planning and T25, but was back on T25 last week, and I've stayed the same so was happy with that, back on SW 100% from this morning tho xx
    POAMAYC 2018 #87 Paid 7741.33/12,000 ~ 55.01%
    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)
    104,409/84,580.30 (as of 31/05/18) ~ 18.99% Paid

    Christmas Savings 2018: 270 Cash ~ Amazon Vouchers: 40
    Cyprus 2019 Savings: 500/6000 ~ Centre Parcs 2019 Savings: 0/1500

    My Debt Free Diary (Link)
    • monz
    • By monz 21st May 18, 3:27 PM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    My mortgage has been officially accepted and confirmed !!!!

    I have sent an email to my solictor so hope will hear back soon since not heard anything since I have sent him my passport and proof of ID.

    I also included in email a proposal move in date of 23 June

    Fingers crossed I hear back soon xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • abba1772
    • By abba1772 21st May 18, 8:12 PM
    • 4,835 Posts
    • 16,896 Thanks
    abba1772
    I'm so happy for you can't wait to see what you do with your own wee house 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 4782.14
    • monz
    • By monz 22nd May 18, 8:59 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    Thank you Abba. I know been filling you in drama in mail lol!

    So official move in date is 29 June

    However as we know they are moving into their daughters house due to being elderly. They are taking the fridge freezer and oven to make more money and not including in house. I found out last night they are uninstalling the fire thats in livingroom. So I told my solicitor thats fine but they will have to have wall plastered and fixed to standard for moving in.

    I also found out the french doors the man installed back in his younger joiner years, he did not even get permission. My solicitor has informed them (for my own protection) they have to contact local authority for them to come out and sign it off with permission. In all honesty I am surprised they are not taking that bloody with them! This will take them 2 weeks to get approval

    My mum was calling them all names last night lol!

    But yeah mortgage approved and move in date 29 June.
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • Dolly Rocker
    • By Dolly Rocker 22nd May 18, 9:50 AM
    • 3,863 Posts
    • 11,034 Thanks
    Dolly Rocker
    Eeeeeeeek can't wait to see what you do with the place!

    So excited and happy for you.

    Dxxx
    CWP Goal Weight 21lbs/91lbs
    Debt Free Wannabee 2,840.31/6,649.97
    3-6 Month EF, 140/7,000
    2nd July 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • JoJoC
    • By JoJoC 22nd May 18, 10:25 AM
    • 1,128 Posts
    • 6,833 Thanks
    JoJoC
    That's exciting and really not that far away! Do you need to give notice on your current place?

    Shame that you have a few issues with the seller - especially taking the fire with them. Is that normal? I'd assume that was like a fixture/ fitting rather than an optional thing. As you say, if there's a hole left on the wall, that's not what you signed up for!

    You'll get there - if you need to live with a 30 fridge off Gumtree for a while until you save up, so be it. We are still using the beat up old freezer that the previous owner left behind 3.5 years later and it doesn't look great but it'd functional for now. Trying not to spend money on the kitchen until we get the whole thing redone in a couple of years.

    Might be worth getting your solicitor to ask for a list of all the white goods and fixtures that they're taking so there's no surprises. Make sure they're thorough?
    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 22nd May 18, 11:13 AM
    • 3,234 Posts
    • 10,509 Thanks
    monz
    No notice needed on my flat I rent. It was my mum and dads so its all fine. I am only getting the washing machine and tumble drier. My sister is buying me an oven and I have saw an amazing deal on american fridge freezer 379 so will get that.

    Think I will have money for couch for moving in as will have two extra months savings and as I am moving out on 29 June I wont have to pay 400 for July and I am sure first payment for mortgage is 1 August. Not too sure but gives me an extra 800 for first month and couch covered and with end of month pay May I have enough for my bed as my mum and dad will be covering the bed for my son for his bday xx

    Also finished that 6 week study for PA hope that comes in soon for Belfast xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 169.41
    car PCP - 628.97/11848.25 (0 overpayment) mum and dad 500/4,000
    boys bday 0/300 Christmas - 0/500
    • abba1772
    • By abba1772 22nd May 18, 12:16 PM
    • 4,835 Posts
    • 16,896 Thanks
    abba1772
    You'll get there just make eBay, gumtree and fb selling pages your best friends 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 4782.14
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