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Superpap's positive mutterings about debt/savings...
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postingalwaysposting
Posts: 13,987 Forumite
Hello all 
welcome to my new 'diary'. I have opened this one as my old one has reached over 3000 posts and i want to try and keep the site running smoothly. Some of you would be regulars on my old diary and some of you are new posters looking in so here is a bit about me...
I am 22 i have been in debt twice and successfully due to this website became debt free twice. My first debt was in the region of £1200 and the second £800. Now in reality thats nothing but at the time i was working part time for £5.05 per hour. Anyways with huge support from many on here i became debt free. However not taking some advice offered i left one credit card open and i basically got back into debt. I placed this debt onto a 0% card and with a wage increase i managed to become debt free once again.
I am now saving, my target in 2008 is £2,500.00 before 31/12/08. At the moment i am on track and doing very well. I have also opened my first busniess, thanks again to support from people on here. That has made around £75 since it opened in november 2007. I am a super budgetter and i can move money around so it works for me and people dont know how i do it. However i dont know how i do it sometimes. I also help Moozie run the weekly challenge on here for budgetting
This diary will just have loads of mutterings from me about money/debt but its also a very personal diray and it will included lots of different topics. Also its an easy way for me to keep in contact with some close friends that post on mse/dfw.
Thanks all
welcome to my new 'diary'. I have opened this one as my old one has reached over 3000 posts and i want to try and keep the site running smoothly. Some of you would be regulars on my old diary and some of you are new posters looking in so here is a bit about me...I am 22 i have been in debt twice and successfully due to this website became debt free twice. My first debt was in the region of £1200 and the second £800. Now in reality thats nothing but at the time i was working part time for £5.05 per hour. Anyways with huge support from many on here i became debt free. However not taking some advice offered i left one credit card open and i basically got back into debt. I placed this debt onto a 0% card and with a wage increase i managed to become debt free once again.
I am now saving, my target in 2008 is £2,500.00 before 31/12/08. At the moment i am on track and doing very well. I have also opened my first busniess, thanks again to support from people on here. That has made around £75 since it opened in november 2007. I am a super budgetter and i can move money around so it works for me and people dont know how i do it. However i dont know how i do it sometimes. I also help Moozie run the weekly challenge on here for budgetting
This diary will just have loads of mutterings from me about money/debt but its also a very personal diray and it will included lots of different topics. Also its an easy way for me to keep in contact with some close friends that post on mse/dfw.
Thanks all
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Comments
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:kisses3: wish i was 22 again
hope you don't mind a lurker being on the first page of your new diary:o
you've given a hell of a lot of inspirition to other dfw's
Thanks PaP:TPROUD TO BE DEALING WITH MY DEBT NERD #869
DFD 5/1/16Numpty,Not sure why but I'm crying
. Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & 
for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
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Ooohh a new diary :T
Hi PAP hun :hello:Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:Loves being a Wonderbra friend :kisses3:
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Hi Pap! Happy new diary!
"I wasn't wrong, I just wasn't right enough.":smileyhea97800072589250 -
Hiya Pap, looking forward to reading your new diary, I was a bit of a lurker on your old one so I might come out of the woodwork on this one DFW Nerd no. 496 - Proud to be dealing with my debts!!0
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I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
ooh, new diary - DFW'ers must be having a diary spring clean!"Stay Wonky":D
:j:jBecome Mrs Pepe 9 October 2012 :j:j0 -
:rotfl: keren it does seem so... even though my thread doesnt move as fast it was getting a tad too long :rolleyes:0
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Hi Pap, what kind of buisness do you do? Cards?
Also good luck with your savings,
I often look at your sig and wonder how do you get by on £10 a week for non essientials? May i ask how much you spend all together in a week? eg food.
Your a inspiration to me and would love to know how you do it.Sealed Pot dec 08 - dec 09 so far £27.67, Live off £4k Spent £330.20 GC £1,200 for 2009 Spent £50.78 PaD so far £650.07Debts: L/woods £154.00 C/One PAID O/D £649.90 Next £299.95 O/D PAID Gas £72.60 Electric £155.73 Mum £640.00 Orange £490.320 -
good luck with march goals! Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
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Hi PaP :hello: :hello: :hello:
Just wanted to say 'Good Luck' with the new 'Diary' - Hope it is as succesful as the last one.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0
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