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
    • 3,191Posts
    • 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 97
    • JoJoC
    • By JoJoC 5th Jul 17, 12:05 PM
    • 1,800 Posts
    • 6,585 Thanks
    JoJoC
    Wow - you're doing so well with PA! I just joined last week and I've been doing them on and off, but trying to get on a few times most days. I have 8.20 cashed out and 27.90 pending. I might look into Circle so that I don't need to rely on PayPal.

    Do you use Valued Opinions? I've found that pretty decent for building up cash - it's quicker to build up than OnePoll but more in depth surveys. It's not as quick as PA of course, but when I'm not getting any surveys on PA i check there and there's always a few 75ps and 1 surveys to be done. I'm at 15.75 on there and can cash out if I want but I'd like to build it up for Christmas.

    Bet you're excited for the holidays
    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*
    • Hiddenidenity
    • By Hiddenidenity 5th Jul 17, 1:10 PM
    • 5,213 Posts
    • 26,717 Thanks
    Hiddenidenity
    Single figures came round so quick

    I can't wait to hear of your adventures
    • monz
    • By monz 5th Jul 17, 1:12 PM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    I like Valued Opinion I use this for my cinema tickets meaning only 5 for my boy and our days out xx

    Have you ever been to Culinger park across from Dalmarnock Tesco/ McDonalds. Its amazing for kids! I usually take him pics then there for day and ice cone after. Great we day costing less than 10 with voucher 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 5th Jul 17, 8:25 PM
    • 4,737 Posts
    • 16,291 Thanks
    abba1772
    Not long til your holiday........I actually missed taking my surveys will get back on 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 4152.74
    • monz
    • By monz 6th Jul 17, 9:16 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Welcome back Abba !!!!!!

    9 days until Florida!! Single digits

    3 weeks to payday

    Tonight I am collecting our tickets and that so excited!!!!!

    Nothing else to post. Have a good day everyone 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)
    • kirtsypoos
    • By kirtsypoos 6th Jul 17, 9:36 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Eeeek! It'll be here before you know it Monz!
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: 0/31010.23 (100% paid)
    Mortgage - 158.500.00 (2017/2018 O/P 3491.79) PAYDBX 17 - 18,442.82
    PAYDBX 18 #006 3850.92/4000
    • monz
    • By monz 7th Jul 17, 10:09 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Good morning! its Friday and tonight helping my friend with her house. Tomorrow I am mum taxi to my boy for two birthday parties and Sunday mum taxi again as taking my boy and his friend out to softplay for the day.

    Got my tickets last night and over weekend will finish packing . 8 days to go now

    20 days until 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)
    • reality_check
    • By reality_check 7th Jul 17, 11:25 AM
    • 728 Posts
    • 1,684 Thanks
    reality_check
    Sounds like someone has a great social life!

    Must all be starting to feel very real now - tickets in hand!!

    Have a good weekend x x
    Starting debt 18,675.63
    Current debt: 5,000 (16/05/18)
    • abba1772
    • By abba1772 7th Jul 17, 1:01 PM
    • 4,737 Posts
    • 16,291 Thanks
    abba1772
    Remember to put your tickets in a safe place 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
    • monz
    • By monz 7th Jul 17, 2:48 PM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    They are in my travelling bag with money, travel insurance details and my hat lol for arriving in 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)
    • monz
    • By monz 10th Jul 17, 9:45 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Monday is here! 5 days until holiday!!!! Cannot wait.

    Will finish packing tonight and that will be us ready to go

    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 10th Jul 17, 9:46 AM
    • 3,756 Posts
    • 10,716 Thanks
    Dolly Rocker
    Eeeeeeeeeek!

    5 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
    • Purplemumof2
    • By Purplemumof2 10th Jul 17, 9:52 AM
    • 6,071 Posts
    • 22,306 Thanks
    Purplemumof2
    Monday is here! 5 days until holiday!!!! Cannot wait.

    Will finish packing tonight and that will be us ready to go

    xx
    Originally posted by monz
    Oh my days! 5 to go...Super Excited for you and your boy
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6350.00 Cap 1: 407.72 BC: 6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD 5970.32/7000
    Savings for Christmas 161.42/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Hiddenidenity
    • By Hiddenidenity 10th Jul 17, 10:02 AM
    • 5,213 Posts
    • 26,717 Thanks
    Hiddenidenity
    EEK so close!!

    I'm excited for you!
    • Calling14
    • By Calling14 10th Jul 17, 1:23 PM
    • 2,703 Posts
    • 19,750 Thanks
    Calling14
    Have a great time Monz. Florida is ace you will love it.
    LBM 13039 1.1.13 Start 2018 5552 NOW 3112
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 2440/5552 DFD 12/18
    E
    Fund #9 220/1,000
    1 x 100 days challenge
    865/2550

    • abba1772
    • By abba1772 10th Jul 17, 2:00 PM
    • 4,737 Posts
    • 16,291 Thanks
    abba1772
    I'll be picking your brains when you get back 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
    • monz
    • By monz 11th Jul 17, 10:35 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Thanks everyone!

    Never got round to packing last night, my boy stayed at my mum n dads cos he has tkd training day so this way he gets a long lie so I went to my friends helped paint her house again. Will try tonight and pack 4 days to go just cant wait to get away just me and my boy

    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)
    • monz
    • By monz 12th Jul 17, 10:07 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    3 days ahhhhh!!

    Case is officially packed... then realised I left the toothbrush and toothpastes out and eye liner (my boy wants me to draw a lightening scar on top his head :P)

    Feeling more real. I am getting a bit scared now but so excited 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 12th Jul 17, 10:20 AM
    • 3,756 Posts
    • 10,716 Thanks
    Dolly Rocker
    Ah monz I am soooooooooooooooooooo excited for you!!!!!

    Eeeeeeeeeeeeeek!

    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
    • kirtsypoos
    • By kirtsypoos 12th Jul 17, 10:41 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    It'll be here before you know it, I bet you and your boy are bouncing with excitement
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: 0/31010.23 (100% paid)
    Mortgage - 158.500.00 (2017/2018 O/P 3491.79) PAYDBX 17 - 18,442.82
    PAYDBX 18 #006 3850.92/4000
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

2,029Posts Today

6,138Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin