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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 12:38 PM
    • 3,573Posts
    • 12,306Thanks
    monz
    Need to get myself together: The beginning
    • #1
    • 16th Sep 14, 12:38 PM
    Need to get myself together: The beginning 16th Sep 14 at 12:38 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) mum and dad 4,000/4,000
    car PCP - 2,229.87/11,848.25 mortgage - 80,800 o/s currently - paid 4,652.09 (137.56 overpayment)
    Emergency Fund - 250/500
Page 172
    • Purplemumof2
    • By Purplemumof2 9th May 19, 8:17 AM
    • 7,126 Posts
    • 27,431 Thanks
    Purplemumof2
    So yesterday I finally got the courage and applied for the police.... Please if negative about this just leave it . I have always wanted to apply and finally took me 3 years courage to actually send in an application. The likelihood I will be refused but least I will know xx
    Originally posted by monz
    Good on you! There's is nothing wrong in applying and you're still young enough for a career change.

    Good luck honey xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4750.00 Lloyds: 9000.00 BC: 800.00 Cap One: GONE
    May LTW 11/21 ~ May NSD 2/5
    PAYDBX 2019 #041 PD 2567.41/5604.30
    Savings for Christmas 250.40/500 ~ EF 25/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Dolly Rocker
    • By Dolly Rocker 9th May 19, 8:17 AM
    • 4,610 Posts
    • 13,675 Thanks
    Dolly Rocker
    Aw go you!!

    I once applied to the Police to work in administration but my Dad was a bit of a hoodlum so cos he had such an extensive criminal record I got declined straight away!

    Dxxx
    DF 2018 12,754.09 - PIF 30.11.18
    SPC#13
    My Home Fund 1,400.00
    My RDF 25/8000 - 0.11%
    Goal Weight 2019 23lbs/91lbs
    14.05.19 - 5 Nationwide Referrals available, PM me for 100 to switch accounts
    • misstara
    • By misstara 9th May 19, 8:21 AM
    • 3,131 Posts
    • 22,597 Thanks
    misstara
    Good luck monz x
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 261.65 (88.6% paid)
    Car debt Nov 2017 797.68 Now 786.79 (1.4% paid) + monthly payments 146.82 16/60
    Emergency fund - 0/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 6/16. Groceries target 133.83/200. NSD target 11/16.
    • abba1772
    • By abba1772 9th May 19, 7:50 PM
    • 5,986 Posts
    • 23,923 Thanks
    abba1772
    Oh wow monz I'm rooting for you xx
    NEXT TARGET BARCLAYCARD WAS Jan 19 4299 NOW 0
    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 13039.59
    POAMAYC 2019 6509.39
    • monz
    • By monz 10th May 19, 8:03 AM
    • 3,573 Posts
    • 12,306 Thanks
    monz
    Thank you I received acknowledgement but also that there is prioritising areas for demand so could be several weeks... if they even like my application that is. Then its a SET test which is numeric, written and words. Then interview and then assessment tests. So even if next round those take 12 weeks, so keeping it to myself until then xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016) mum and dad 4,000/4,000
    car PCP - 2,229.87/11,848.25 mortgage - 80,800 o/s currently - paid 4,652.09 (137.56 overpayment)
    Emergency Fund - 250/500
    • kindofagilr
    • By kindofagilr 10th May 19, 8:51 AM
    • 6,682 Posts
    • 22,636 Thanks
    kindofagilr
    Well done Monz, good luck, I always wanted to be a firefighter, but never applied and I really regret it x
    Current Debt 39,344.00/44,856.56 ~ 17/05/19 - 12.28% Paid Off

    POAMAYC 2019 #87 5694.94
    POAMAYC 2018 #87 13,912.57

    POAMAYC 2017 #87 10,380.18
    POAMAYC 2016 #87 7454.80

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    81,767.18/104,409.00 (as of 30/04/19) ~ 21.68% Paid Off

    Christmas Savings 18: Totalled 750/Christmas Savings 19: 0
    Cyprus 19 Savings: 800/2000 ~ Centre Parcs 19 Savings: 500/500
    Emergency Savings: 50


    My Debt Free Diary (Link)
    • submarine76
    • By submarine76 15th May 19, 9:32 AM
    • 108 Posts
    • 359 Thanks
    submarine76
    Well done on applying, the first step is often the hardest one to take, you'll smash it!
    LBM 11 Nov 14 Total Debt 25,013.98 DFD 5 Sep 17 Total Debt 0

    Emergency Fund 800.00
    Mortgage 75,000
    BTL Mortgage 38,000
    • UncannyScot
    • By UncannyScot 15th May 19, 10:53 AM
    • 1,927 Posts
    • 11,084 Thanks
    UncannyScot
    Good luck Monz and good on ye for applying
    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.
    • monz
    • By monz 15th May 19, 1:44 PM
    • 3,573 Posts
    • 12,306 Thanks
    monz
    Thanks guys

    Still no word but its me I will heck everyday and hour. If I do not ever hear anything or rejected at least I have tried is how I am thinking. Never a what if.

    15 days until payday I do not like 5 week months xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016) mum and dad 4,000/4,000
    car PCP - 2,229.87/11,848.25 mortgage - 80,800 o/s currently - paid 4,652.09 (137.56 overpayment)
    Emergency Fund - 250/500
    • monz
    • By monz 16th May 19, 10:25 AM
    • 3,573 Posts
    • 12,306 Thanks
    monz
    Aw hurry up payday ! 14 days and big time counting!

    I have my friends engagement party on Saturday, I have money aside for this.

    Following week I have a night out planned but going to take my car and its also the long weekend (typically weekend before payday!)

    Cannot wait to boost my emergency savings and couch fund plus reduce my overdraft, my mini goal is to have the overdraft gone by December xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016) mum and dad 4,000/4,000
    car PCP - 2,229.87/11,848.25 mortgage - 80,800 o/s currently - paid 4,652.09 (137.56 overpayment)
    Emergency Fund - 250/500
    • kikkime
    • By kikkime 16th May 19, 3:29 PM
    • 26 Posts
    • 21 Thanks
    kikkime
    Wow I salute your courage and determination in wanting to serve the country as a police! Nothing but respect!

    Last month I was SO WORRIED I wouldn't be getting my salary at all due to my company's crisis (just rumours) but it came just in time and no one said anything further, phew! Really, hurry up pay day!

    Congratulations to your friend getting engaged
    • monz
    • By monz 17th May 19, 7:49 AM
    • 3,573 Posts
    • 12,306 Thanks
    monz
    Thank you so much Kikkime !

    My son came home with a sponsor form for his TKD so been rounding round friends and family to donate (thank you Abba again <3) raised 55 so far

    Thank god its Friday though . 13 days until payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016) mum and dad 4,000/4,000
    car PCP - 2,229.87/11,848.25 mortgage - 80,800 o/s currently - paid 4,652.09 (137.56 overpayment)
    Emergency Fund - 250/500
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