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  • FIRST POST
    • monz
    • By monz 16th Sep 14, 1:38 PM
    • 3,191Posts
    • 10,128Thanks
    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 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
Page 87
    • monz
    • By monz 19th Apr 17, 9:29 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    This 50 is going on Primark... holiday tops/ shorts and a beach towel lol xx

    over a day not smoking and using my vape. In a few weeks will be cutting my vape down also

    8 days to payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 19th Apr 17, 9:53 AM
    • 3,758 Posts
    • 10,722 Thanks
    Dolly Rocker
    Oh lovely, have you seen anything you have your eye on yet?

    I love a wee Primark shop.

    Dxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    27th May 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 19th Apr 17, 10:11 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    I need to find a Harry Potter top for my boy lol I know I can get mine in Primark and just plain vests/tops. I will get his shoes nearer time as he grows so quick lol xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 19th Apr 17, 10:16 AM
    • 3,758 Posts
    • 10,722 Thanks
    Dolly Rocker
    They always have loads of wee Harry Potter tops in there.

    I was in last week & they had a nice wee black Deathly Hallows top which had wee holes in it near the shoulder - sounds awful but was lovely so it was!

    Dxxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    27th May 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 20th Apr 17, 9:22 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Ohhh I havent seen any for we boys though. will try argyle street though had only popped into the forge xx

    7 days to payday
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 20th Apr 17, 10:43 AM
    • 3,758 Posts
    • 10,722 Thanks
    Dolly Rocker
    They have got too have some, I am sure of it.

    Dxxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    27th May 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 21st Apr 17, 11:31 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Ah Friday

    So much to do this weekend. my niece party, my friends bday night out and then a christening sunday. have to dig into savings big time!

    Next month cutting nights out and that big time and becoming a hermit lol xx 6 days to payday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • abba1772
    • By abba1772 21st Apr 17, 2:01 PM
    • 4,738 Posts
    • 16,296 Thanks
    abba1772
    Don't get too drunk before the christening 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 4152.74
    • kindofagilr
    • By kindofagilr 23rd Apr 17, 11:32 AM
    • 6,205 Posts
    • 20,871 Thanks
    kindofagilr
    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
    Originally posted by monz
    I LOVE my vape, I quit smoking on Sept 2015 and haven't looked back, used the vape, started off on 12mg bottles, then every 3 months reduced it (so 9, 6, 3 and then 0). I still use it but like literally once a day if that, but I've had no nicotine in it for over 9 months, I don't know if I will ever not do it that once a day, but I don't see an issue with once a day lol I spend like 10 a month on juice if that xx
    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

    Christmas Savings 2018: 70 Cash ~ Amazon Vouchers: 0
    Cyprus 2019 Savings: 500/6000 ~ Centre Parcs 2019 Savings: 0/1500

    My Debt Free Diary (Link)
    • monz
    • By monz 24th Apr 17, 9:51 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    my god a busy weekend over and I am shattered and completely floored by hayfever lol :P

    oh whats non nicotine like? I am going to work my way down them n try nothing on holiday

    payday this thu woo!! finally

    Also thinking i might change my money over for Florida before the election... thoughts?xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 24th Apr 17, 10:34 AM
    • 3,758 Posts
    • 10,722 Thanks
    Dolly Rocker
    I think I had hayfever yesterday - wasn't very nice at all!

    We get paid Friday, already spent most of it - whoops!

    Dxxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    27th May 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • monz
    • By monz 25th Apr 17, 9:22 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Aw hayfever is the worst!!! People should not cut their grass if weather is nice :P

    2 days to payday. Got loads to pay out but going to be mega strict now.

    80 days to holiday, going to start that countdown xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 25th Apr 17, 9:34 AM
    • 3,758 Posts
    • 10,722 Thanks
    Dolly Rocker
    2 days for me too.

    80 days! I love a countdown!

    Dxxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    27th May 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
    • abba1772
    • By abba1772 25th Apr 17, 1:31 PM
    • 4,738 Posts
    • 16,296 Thanks
    abba1772
    Woo hoo only 80 days to go........wonder how long it is til we go away too.......Way to check 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 4152.74
    • misstara
    • By misstara 25th Apr 17, 4:29 PM
    • 2,730 Posts
    • 19,326 Thanks
    misstara
    2 days for me too

    That 80 days will fly by!
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 11/16. Groceries target 188.17/200. NSD target 12/19.
    • monz
    • By monz 26th Apr 17, 10:24 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Check Dolly. Me and my boy made a calender for ourselves and put it up on door to score off 79 days now

    payday tomorrow finally!!!! then skint again as bills/payments to hols lol

    still waiting that 50 come through xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • abba1772
    • By abba1772 26th Apr 17, 11:04 AM
    • 4,738 Posts
    • 16,296 Thanks
    abba1772
    We are 59 days to go thought I had longer to wait 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 4152.74
    • kindofagilr
    • By kindofagilr 26th Apr 17, 12:55 PM
    • 6,205 Posts
    • 20,871 Thanks
    kindofagilr
    Non nictone is fine I was a bit grr the first couple of days, but cos I had lowered it bit by bit I was fine. xx
    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

    Christmas Savings 2018: 70 Cash ~ Amazon Vouchers: 0
    Cyprus 2019 Savings: 500/6000 ~ Centre Parcs 2019 Savings: 0/1500

    My Debt Free Diary (Link)
    • monz
    • By monz 27th Apr 17, 9:46 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    payday today 28 days til next one :P

    78days to holiday. My son made up a countdown calender last night

    paid money to my holiday fund. Tempted next month before elections to exchange my money 1.27 seems to be best deal :/

    Will wait until end of month before transfer money to house dep fund and focusing on other things.

    Spent 30 already on my niece bday present (should be 40 but I had amazon vouchers) Take that off a week spending I would have done on cigs lol!

    Also joined a forum which I apparently get paid $10 per month and also sometimes get additional rewards which is good enough for me xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • Dolly Rocker
    • By Dolly Rocker 1st May 17, 11:58 AM
    • 3,758 Posts
    • 10,722 Thanks
    Dolly Rocker
    Aw how cute, he will love marking that off every day.

    That sounds like a great wee forum, can't go wrong with $10 a month!

    Dxxx
    CWP start 16st2lbs, current 13st13lbs, lost 31lbs

    Debt start 6,649.97, current 5,950.00, paid 696.97

    27th May 2018 - I have 3 Nationwide Referrals available, PM me if you want 100 to switch accounts
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