A question about : Need to get myself together: The beginning
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 :
Ј1,000 overdraft (hope to clear by Christmas or least by January)
Ј200 odds Next (Yeah this is me I cannot blame anyone but myself here) I want it cleared by Christmas at least
Ј5,000 loan ( I am mad I know for having got it for him and he sayswill 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. (Ј125 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
Best answers:
- Hey!!!
Good luck with your journey! I made quite a lot of mistakes borrowing money for ex boyfriends that I thought were decent at the time and buying them gifts I couldn't afford to look generous. I am also my own worst enemy!
You seem to have everything planned out!
I am looking forward to following your journey!
I'm off to Florida for the first time next march I'm also putting Ј100 per month aside for spending money - Good luck on your journey! I'm supposed to be going to Canada in 2015 so really need to start saving too.
CP xx - Thanks laurag89 aw honestly we think we are doing good by doing that n all we are doing is getting used :/! Lesson learned !
Thanks counting pennies aw nice about Canada too x - I know, I have also learnt my lesson the hard way how did you get all your debt paid off first time around did you find anything that worked especially well?
- Well I was pregnant at the time and working loads over time and didnt go out or that as my ex was threatening me :/ so that saved like loads. Ended up going into labour early lol though two weeks early having a ten pound 6 child kind of glad!
- So I have been working through my numbers etc.
This months wage I have to pay my car Tax (kind of have to lol) Ј71.50 oh and a new tyre. Oh great start haha but thats life
My sons birthday coming up and i have been putting aside
Anyway I have decided with unexpected bills I will can pay an extra Ј26.46 to Octobers loan repayment. I know its not much but its a start and also Ј45 to Next account bringing it down . I have one night out its my friends 30th and going to be good for the rest.
Hopefully by no spending I can decrease my overdraft from 1000-800 this month x - Hi Monz,
It looks like you are doing really well. It is tough being on your own with children, I did it for a number of years, but life does improve and although I made some bum choices with men, I did eventually find a good un! Good luck x - Thanks
I get paid next week so can properly update this. I also set up an excel for overpayments and think I can be debt free mid 2016... (thats the plan)x - Looking like a good plan, pay day is such a lovely day
- Haha yeah until you remember you have to pay bills lol x
- Good luck Monz , I too have fell for the nice guy routine in the past only to learn they weren't and got left in debt
Mobo xx - Hey honey,
Good luck with your journey & I am gonna subscribe to keep up to date with it.
You live & learn eh.
We have all been there so dont worry & just get your head in the right place & the right zone & it will be gone before you know it.
Where in america are you heading to?
Dxxx - Thanks Mobo1980 aw honestly you would have thought I had learnt from last time and I did think this guy was a good one and introduced him and all his family to my son and they were amazing with him :/
Aw Thanks Dolly rocker Yeah focusing on my boy (as always) and myself (even starting back on insanity workouts keep me busy)
I am going to Washington DC to see my friend, I done summer camp in virginia before I had my son so we are going there and visiting Las Vegas and Niagara Falls as well - Oh Vegas is amazing!!!!!!!!!!!!!!!
We are saving to go back 2016.
Love the place.
You are right, focus on the things that are most important to you.
Dxxx - Paid Ј5 this week to 52 week plan and looking forward to payday Thursday haha
- Aw hurry up pay day. It is a sign of changed times when I want to make extra payments off to debt and change my signature on this
Long weekend too this weekend, so need to get my thinking cap on for my son and I. Tuesday we are having a day out trip to Edinburgh, he wants to see the castle that is on top of a volcano!!!
Hurry up payday!! - Oh me too I just cant wait to get rid of some more debt & update my wee signature it makes me happy!
We are officially sad haha
Oh I love Edinburgh, Both times we have arranged wee day trips through it has totally chucked it down with rain so I will do the sun dance & avoid crushing any wee rainy beetles so that you can have sun alllllllllllllllllll day tomorrow!
Dxxx - Where are you from Dollyrocker if you dont mind me asking? I am from Glasgow
Aw its not tomorrow its next Tuesday sorry after September weekend lol I got an extra holiday x - Tomorrow is pay day !
I am setting up on my excel what I aim to spend and will be keeping receipts to keep on top of this and making sure I stay within budget!
I cannot wait to update my signature on this and feel as though I am contributing to my debt fighting x
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