Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,108Posts
    • 9,736Thanks
    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 6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 140/300, Belfast 0/500 (252 for apart
    ment)
Page 86
    • monz
    • By monz 31st Mar 17, 11:21 AM
    • 3,108 Posts
    • 9,736 Thanks
    monz
    Just booked me and my boy 141 for a VIP planet Hollywood limo experience for us in Florida. Will pay this back whilst I can. This holiday is our treat for everything we been through with debt and that xx

    Will keep as a surprise for him though so he will not find out

    Also have a pirate show night booked as well
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 140/300, Belfast 0/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 2nd Apr 17, 12:28 PM
    • 3,726 Posts
    • 10,638 Thanks
    Dolly Rocker
    Aw he will love that!!!

    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 2nd Apr 17, 9:28 PM
    • 4,640 Posts
    • 15,768 Thanks
    abba1772
    That sounds awesome 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 4012.74
    • Dolly Rocker
    • By Dolly Rocker 4th Apr 17, 9:54 AM
    • 3,726 Posts
    • 10,638 Thanks
    Dolly Rocker
    Hey monz,

    Hope you're alright, not heard from you in a couple of days.

    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
    • monz
    • By monz 4th Apr 17, 5:38 PM
    • 3,108 Posts
    • 9,736 Thanks
    monz
    Hey sorry off this week
    Been pics twice, took out my boys friends out places and today got him a happy meal n got myself a Diet Coke.. won a PS4!?! So that's his main present for his bday in can't believe it!

    How is everyone xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 140/300, Belfast 0/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 4th Apr 17, 5:46 PM
    • 3,726 Posts
    • 10,638 Thanks
    Dolly Rocker
    Whatttttt!!!! That is amazing!

    Well done you.

    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 5th Apr 17, 8:45 AM
    • 4,640 Posts
    • 15,768 Thanks
    abba1772
    Hey sorry off this week
    Been pics twice, took out my boys friends out places and today got him a happy meal n got myself a Diet Coke.. won a PS4!?! So that's his main present for his bday in can't believe it!

    How is everyone xx
    Originally posted by monz
    Wow I think you need to buy me a lottery ticket you're quite lucky lol 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 4012.74
    • kindofagilr
    • By kindofagilr 5th Apr 17, 12:56 PM
    • 6,180 Posts
    • 20,800 Thanks
    kindofagilr
    OMG Monz well done on winning the PS4!!! xx
    Next Target: Very - Was 1469.07 - Now 1455.07 - 05/04/18

    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

    My Debt Free Diary (Link)
    • monz
    • By monz 10th Apr 17, 9:52 AM
    • 3,108 Posts
    • 9,736 Thanks
    monz
    Thanks everyone

    Sorry I have not been posting, been off work for a week and just needed time away from computers etc.... kind of went into savings again but I had a great weekend off and enjoyed it with my boy

    Wishing payday to move its backside :P 17 days to payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 140/300, Belfast 0/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 10th Apr 17, 11:40 AM
    • 3,726 Posts
    • 10,638 Thanks
    Dolly Rocker
    Aw glad you had a ball 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
    • monz
    • By monz 11th Apr 17, 11:53 AM
    • 3,108 Posts
    • 9,736 Thanks
    monz
    So skint its unreal!! I really need to manage my money better... and quit smoking again.... (payday getting vape again)

    this weekend I am doing nothing. Try not to spend spend and to go to gym.

    16 days to payday
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 140/300, Belfast 0/500 (252 for apart
    ment)
    • monz
    • By monz 12th Apr 17, 9:55 AM
    • 3,108 Posts
    • 9,736 Thanks
    monz
    Completed first two days of 30 day shred and I am definitely feeling it!

    Nothing to add on money front other than skint!!

    the PS4 I won in McDonalds arrived and as I made the mistake when I won telling my boy (I cd not believe it tbh) I gave him it. Will need to think what to get him for his birthday/ Christmas main. He was so happy though, just need to set this up in his room.

    15 days to payday .... wish it was today :P xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 140/300, Belfast 0/500 (252 for apart
    ment)
    • monz
    • By monz 13th Apr 17, 9:34 AM
    • 3,108 Posts
    • 9,736 Thanks
    monz
    Morning. Thank god its Thursday... strange to say but I have long weekend off :P

    Somehow been roped in Saturday to be taxi and help my sister with my nieces going to some pony party.... help!!

    Other than that quiet weekend

    On another note anyone been watching 13 reasons why. On episode 11 and omg so sad and so good!!!

    14 days to payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 140/300, Belfast 0/500 (252 for apart
    ment)
    • HoneyBee83
    • By HoneyBee83 13th Apr 17, 10:01 AM
    • 350 Posts
    • 3,553 Thanks
    HoneyBee83
    Jealous over your PS4 win Monz!
    That is fantastic!!
    Emergency Savings #73 = 1,500.00/2,000
    House Savings = 14,000/20,000 + 600.00 Furniture
    Morrisons= 0.00/100.00 Xmas 2018=60.00/300
    • abba1772
    • By abba1772 13th Apr 17, 12:27 PM
    • 4,640 Posts
    • 15,768 Thanks
    abba1772
    My Abbie is watching that she says the same 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 4012.74
    • monz
    • By monz 18th Apr 17, 11:27 AM
    • 3,108 Posts
    • 9,736 Thanks
    monz
    Hope you all had a good easter.

    My gosh 8 girls to watch at a ponys party was too much... boys are so different from girls lol!

    Finished 13 reasons why and just changed my outlook on few things, so graphic the ending cd not watch the r*pe scene and struggled through the suicide. Amazing show though what an eye opener.

    Nothing much update over weekend. I was very good and stayed in. My niece turned 7 yesterday and was on Clyde FM for win a ride tomorrow. Find out tomorrow morning if she wins If anyone listens tomorrow its Sophia

    9 days to payday and struggling lol

    also got myself a vape again. Gonna stick to it and hope i dont lose this one :P xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 140/300, Belfast 0/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 18th Apr 17, 11:46 AM
    • 3,726 Posts
    • 10,638 Thanks
    Dolly Rocker
    Wow 8 is a lot!

    Oh I have never heard of that 13 reasons, might need to look it up.

    Aw is she! How good is that, fingers crossed she wins!

    9 days, not too long my lovely.

    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 18th Apr 17, 1:52 PM
    • 4,640 Posts
    • 15,768 Thanks
    abba1772
    Totally agree with boys being different from girls I find boys easier 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 4012.74
    • monz
    • By monz 18th Apr 17, 2:27 PM
    • 3,108 Posts
    • 9,736 Thanks
    monz
    Boys are like a dream lol! So glad I have a boy

    Just hit for 50 in newsvista so hoping comes in next few weeks xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 140/300, Belfast 0/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 18th Apr 17, 3:02 PM
    • 3,726 Posts
    • 10,638 Thanks
    Dolly Rocker
    Excellent monz.

    I just cashed out 15 Amazon vouchers this morning & have enough points for a 50 cheque next month - eeeeeek!!!!

    All the other vouchers I had are long gone but all on birthday & Christmas gifts for everyone throughout the year!

    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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,339Posts Today

6,350Users online

Martin's Twitter
  • RT @Kirsty_M_N: KFC Take off the disgusting skin & coating and eat the chicken with salad (lettuce) I presume they'll have. https://t.co/YF?

  • OK. Im taking a break from discussing today's poll to go for a run (i'll need it with all those calories to come!)

  • There's always one! Dave. You can't have Nando's. You've been shipwrecked. The choice is what it is. This real l? https://t.co/rBadHIHM0e

  • Follow Martin