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
    • 3,183Posts
    • 10,093Thanks
    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 320/500 (252 for apart
    ment)
Page 98
    • misstara
    • By misstara 12th Jul 17, 4:28 PM
    • 2,723 Posts
    • 19,293 Thanks
    misstara
    Can't believe how quickly it's come round, so exciting
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 815.50 (64.6% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 5/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 9/16. Groceries target 163.24/200. NSD target 10/19.
    • monz
    • By monz 13th Jul 17, 8:55 AM
    • 3,183 Posts
    • 10,093 Thanks
    monz
    Today is my last day at work so will probably not post until back from holiday 2 days to go !

    Tomorrow having my hair done woo!! so excited and scared as well. Got a date tonight too lol going to an ice cream place 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 320/500 (252 for apart
    ment)
    • reality_check
    • By reality_check 13th Jul 17, 8:59 AM
    • 728 Posts
    • 1,679 Thanks
    reality_check
    Hope you have a fantastic holiday! You sound like such a lovely person, and are a great mum to your son, you both deserve this such earned holiday xxx

    p.s Hope the date goes well too!
    Starting debt 18,675.63
    Current debt: 5,000 (16/05/18)
    • Hiddenidenity
    • By Hiddenidenity 13th Jul 17, 9:07 AM
    • 5,213 Posts
    • 26,701 Thanks
    Hiddenidenity
    Hope you have a fantastic holiday! You sound like such a lovely person, and are a great mum to your son, you both deserve this such earned holiday xxx

    p.s Hope the date goes well too!
    Originally posted by reality_check
    From me too x

    Have the most amazing time
    • abba1772
    • By abba1772 13th Jul 17, 10:55 AM
    • 4,726 Posts
    • 16,224 Thanks
    abba1772
    Have a fab holiday Hunni you deserve it xx

    Good luck tonight on your date 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
    • kirtsypoos
    • By kirtsypoos 13th Jul 17, 11:10 AM
    • 3,423 Posts
    • 14,975 Thanks
    kirtsypoos
    Have a great date, and an even better holiday with your boy
    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
    • XSpender
    • By XSpender 13th Jul 17, 11:49 AM
    • 2,965 Posts
    • 30,335 Thanks
    XSpender
    Have a wonderful holiday x
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 666.22/0
    Target Debt Virgin (Me) Part 1 1176.49/0
    Target Debt Virgin (Me) Part 2 1038/995
    Big black hole of debt - 53,515.15 @ 16.12.17 52,811.64 @ 28.02.18, 50,638.77 @ 28.03.18, 49,778.78 @ 20.04.18, 46,093.32 @ 18.05.18
    • Purplemumof2
    • By Purplemumof2 13th Jul 17, 12:36 PM
    • 6,070 Posts
    • 22,302 Thanks
    Purplemumof2
    Have a lovely holiday and enjoy your date too x
    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
    • hign10pines
    • By hign10pines 14th Jul 17, 8:17 AM
    • 377 Posts
    • 365 Thanks
    hign10pines
    I think I am in love with PA - my absolute favourite! I cashed out 23 last week, have got 19 confirmed and 16 pending already x
    Originally posted by kirtsypoos
    Everyone seems to have luck with PA. Me I never get surveys

    Student nurse 2018 to 2020
    Debt: DMP (with Payplan) 8194 - 6.6 years left
    • Purplemumof2
    • By Purplemumof2 14th Jul 17, 8:29 AM
    • 6,070 Posts
    • 22,302 Thanks
    Purplemumof2
    Everyone seems to have luck with PA. Me I never get surveys
    Originally posted by hign10pines
    Took me a while to figure out, once you've completed the pre-screening questions, then they appear.
    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
    • hign10pines
    • By hign10pines 14th Jul 17, 8:42 AM
    • 377 Posts
    • 365 Thanks
    hign10pines
    Took me a while to figure out, once you've completed the pre-screening questions, then they appear.
    Originally posted by Purplemumof2
    Oh I've done them, so far I've had one at 1.25 and currently one for 90p! Is one only shown at a time? I don't really want to spend 22 min to claim 90p

    Student nurse 2018 to 2020
    Debt: DMP (with Payplan) 8194 - 6.6 years left
    • Hiddenidenity
    • By Hiddenidenity 14th Jul 17, 9:06 AM
    • 5,213 Posts
    • 26,701 Thanks
    Hiddenidenity
    Oh I've done them, so far I've had one at 1.25 and currently one for 90p! Is one only shown at a time? I don't really want to spend 22 min to claim 90p
    Originally posted by hign10pines
    It doesn't take 22 mins. It takes 5 mins (average completion time)
    The 22 mins is the maximum time you have to complete once you click start study - after the 22 mins you 'time out' and won't be able to access it/complete it.

    Also no not one at once but it's better if it is as 9 times out of 10 you'll find once you've finished one study the other would be full anyway if they'd both appeared at the same time.


    Hope this helps
    • hign10pines
    • By hign10pines 14th Jul 17, 9:34 AM
    • 377 Posts
    • 365 Thanks
    hign10pines
    It doesn't take 22 mins. It takes 5 mins (average completion time)
    The 22 mins is the maximum time you have to complete once you click start study - after the 22 mins you 'time out' and won't be able to access it/complete it.

    Also no not one at once but it's better if it is as 9 times out of 10 you'll find once you've finished one study the other would be full anyway if they'd both appeared at the same time.


    Hope this helps
    Originally posted by Hiddenidenity
    Went to compete that one and it was full. No more waiting for me now. Opinion Outpost is better, I gained 40 points since yesterday but have been screened out off all today so far.

    Student nurse 2018 to 2020
    Debt: DMP (with Payplan) 8194 - 6.6 years left
    • monz
    • By monz 31st Jul 17, 8:55 AM
    • 3,183 Posts
    • 10,093 Thanks
    monz
    Morning!

    I am back !!! What an amazing holiday me and my boy had Abba I am so excited for you to go. We did have bad storms (worst July they have had for them)but did not dampen our holiday, from swimming with dolphins to patting penguins, sharks, and turtles etc was just amazing! My boy got up stage and fought darth vadar. He got stopped numerous times dressed as Harry Potter at universal and asked for pics by staff. Will post pics later just in work and getting my head round some things Holiday was worth it even if I did overspend a little - my son ruined my in Universal $400 in Harry Potter items :P... Abba get uber app so much cheaper!!!

    How is everyone! Going to check all diaries and then sort out my money crap :P 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 320/500 (252 for apart
    ment)
    • Purplemumof2
    • By Purplemumof2 31st Jul 17, 8:58 AM
    • 6,070 Posts
    • 22,302 Thanks
    Purplemumof2
    Welcome back Monz glad you had a nice holiday xx
    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
    • kirtsypoos
    • By kirtsypoos 31st Jul 17, 9:27 AM
    • 3,423 Posts
    • 14,975 Thanks
    kirtsypoos
    Welcome back, so pleased you had a wonderful time! x
    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
    • Hiddenidenity
    • By Hiddenidenity 31st Jul 17, 10:53 AM
    • 5,213 Posts
    • 26,701 Thanks
    Hiddenidenity
    Welcome back! So glad you had an amazing time Sounds magical x
    • abba1772
    • By abba1772 31st Jul 17, 12:27 PM
    • 4,726 Posts
    • 16,224 Thanks
    abba1772
    Can't wait to pick your brains 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
    • October Starter
    • By October Starter 31st Jul 17, 12:38 PM
    • 653 Posts
    • 3,102 Thanks
    October Starter
    Welcome back Monz!

    My OH wants to start doing surveys, any tips for a newbie?

    October xx
    Loan: 6100.00 4542.08 ~~ Credit Card: 4231.82 #20 Emergency Fund: 249.96/1000 25%!
    LBM 1: (20.08.14) -5000.00 LBM 2: (25.07.17) -9750.00 October Goals NSDs: 0/10, Ibs Lost: 0/10, Xtr Income: 0/50
    • monz
    • By monz 31st Jul 17, 12:53 PM
    • 3,183 Posts
    • 10,093 Thanks
    monz
    Aw Abba was truly amazing. The last night of our hols my boy turned to me while watching fireworks at magic kingdom and said we made it mum, honestly it made me close to tears and all the hard work, scrimping every penny worth that final moment of our hols!! Ask away Abba!

    October will find my post of the best surveys I find 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 320/500 (252 for apart
    ment)
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

2,581Posts Today

8,385Users 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