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  • FIRST POST
    • Coco114
    • By Coco114 16th Feb 12, 8:09 PM
    • 740Posts
    • 2,916Thanks
    Coco114
    overwhelmed new member
    • #1
    • 16th Feb 12, 8:09 PM
    overwhelmed new member 16th Feb 12 at 8:09 PM
    This is my first visit and somehow it feels like a big step !
    I am a, relatively new, single parent. Massively in debt .... I reckon I should have it all paid off by 2099 .... 
    Your stories , helpful members & tips look like they may help me to begin the long process of sorting this mess out. Emotionally , finally in a good place , financially - it's dire !
    But , I just wanted to say , your stories are all encouraging & it's given me the push I needed to start sorting this out !
    Thanks x
Page 51
    • Coco114
    • By Coco114 2nd Dec 12, 9:23 AM
    • 740 Posts
    • 2,916 Thanks
    Coco114
    A little late for my morning update .... Sunday "off MSE curfew" now moved to 9.30

    My glass of wine turned into three so I had a little trouble getting going today Need to get a couple of bits today at Mr T that I forgot yesterday. I started using S*re Maximum Protection Deodorant about 6 months ago and it's brilliant !! But because it's £5 I switched to a cheaper one .... That's rubbish (false economy) just found a £1.50 off voucher that expires today so I will go and get the S*re one today

    Put £1.80 in my 20p coin pot and 1 x £2 in my sealed pot (this is for my Christmas fund next year Also found my recent pay slip and after checking it properly , my employer loan stands @ £900 now !!!! Must have not checked properly before so by end Dec it will be £800 - finished in end Aug !!!! I will then leave the deductions still coming out as a saving scheme - as I haven't missed it until now ?

    Right , tea & toast then on with the day - lots to do and by the time I come on later , I want a tidy , hoovered house , beds changed , washing done & put away and bank checked and spending diary filled in for today ..... I MUST DO THIS !!!!!

    Coco x
    Employer Loan (Deducted @ Source) £1100/£300
    Nov Challenge ** Stop Procrastinating & do it !!***
    • asparagus1968
    • By asparagus1968 2nd Dec 12, 12:46 PM
    • 1,746 Posts
    • 2,389 Thanks
    asparagus1968
    ah, nice start to the day,the loan news and savings i mean,not the hangover!
    enjoy the rest of the weekend
    • Coco114
    • By Coco114 2nd Dec 12, 1:47 PM
    • 740 Posts
    • 2,916 Thanks
    Coco114
    Arrrgggghhhhh !!!! That is the last time I pop out to the shops looking dog rough ..... Jogs, no make up , pony tail & I run smack bang into the only hot guy in a 50 mile radius !!!! He gave me a lively smile & "how's it going?" ... I was mortified !!!!!
    Employer Loan (Deducted @ Source) £1100/£300
    Nov Challenge ** Stop Procrastinating & do it !!***
    • Coco114
    • By Coco114 3rd Dec 12, 8:13 PM
    • 740 Posts
    • 2,916 Thanks
    Coco114
    oh my word !!! I found an old thread yesterday "confessions of a very tired old styler" basically, an Anti Fly Lady thread .... I can't remember last time I laughed that much !!!! Hilarious

    Nothing exciting to report really - only spend was .50p on a packet of quavers Got all my jobs done yesterday so not too much to do tonight. Managing to keep on top of the washing without using TD (haven't used it for months really

    Stupid busy at work again - 13 more early get ups

    Coco x
    Employer Loan (Deducted @ Source) £1100/£300
    Nov Challenge ** Stop Procrastinating & do it !!***
    • princesst84
    • By princesst84 3rd Dec 12, 8:34 PM
    • 609 Posts
    • 2,497 Thanks
    princesst84
    oooh pop a link up, i could do with a laugh
    • Coco114
    • By Coco114 3rd Dec 12, 8:43 PM
    • 740 Posts
    • 2,916 Thanks
    Coco114
    Hi
    How do I post a link ? But , am on my phone tonight so may have to wait till I get to PC ... I can give it a go though if someone tells me how ? x
    Employer Loan (Deducted @ Source) £1100/£300
    Nov Challenge ** Stop Procrastinating & do it !!***
    • princesst84
    • By princesst84 3rd Dec 12, 8:50 PM
    • 609 Posts
    • 2,497 Thanks
    princesst84
    Hi
    How do I post a link ? But , am on my phone tonight so may have to wait till I get to PC ... I can give it a go though if someone tells me how ? x
    Originally posted by Coco114
    I found it Loved it, thanks very much for mentioning it So reassuring to know im not alone!! LOL

    x
    • sistafromanothermista
    • By sistafromanothermista 3rd Dec 12, 9:55 PM
    • 2,154 Posts
    • 2,599 Thanks
    sistafromanothermista
    I still can't find that one Coco Post a linky poo up
    DEBT FREE AND PROUD

    'Better to remain silent and be thought a fool than to speak out and remove all doubt'
  • Aamberle
    Morning Coco - Hope all is well! Will be off to read that diary later..just wanted to say hi XX
    2012 The year I started dealing with my debts.
    2014 Focus 2 £844.07/£4700
    9 x CC's 2014 3 x BNPL
    TOTAL£56,824.50,£40,595,£36,910.22£26,429.57
    • asparagus1968
    • By asparagus1968 4th Dec 12, 10:29 AM
    • 1,746 Posts
    • 2,389 Thanks
    asparagus1968
    morning coco,

    hope you made a note of the time of day hot bloke was shopping----just so to improve the chance of bumping into him again!!
    • Coco114
    • By Coco114 4th Dec 12, 9:12 PM
    • 740 Posts
    • 2,916 Thanks
    Coco114
    http://forums.moneysavingexpert.com/showthread.php?t=814289&highlight=confessions
    Employer Loan (Deducted @ Source) £1100/£300
    Nov Challenge ** Stop Procrastinating & do it !!***
    • Coco114
    • By Coco114 4th Dec 12, 9:17 PM
    • 740 Posts
    • 2,916 Thanks
    Coco114

    I think I have managed to post the link as above !! Very very funny ..... There are bits of all of us within these confessions

    Hi A - ran into hot man at about lunchtime .... Time duly noted .....

    NSD , 0.40 p in 20p pot & 2 surveys.

    12 more early get ups ......

    Coco x
    Employer Loan (Deducted @ Source) £1100/£300
    Nov Challenge ** Stop Procrastinating & do it !!***
    • honey10
    • By honey10 5th Dec 12, 9:24 PM
    • 242 Posts
    • 391 Thanks
    honey10
    Well, it's taken me the best part of 24 hours, but I have finally finished your story lol
    I have to say well done coco, I've followed your story through and I'm so glad you have *hopefully* come out the other side intact.
    I found your story incredibly inspiring, and I'm now off to subscribe :-) xx
    SPC#074 2013 £450, 2014 £1135
    "Choose your friends by their character and your socks by their colour, choosing your socks by their character would make no sense and choosing your friends by their colour would be unthinkable"
    • Coco114
    • By Coco114 5th Dec 12, 10:36 PM
    • 740 Posts
    • 2,916 Thanks
    Coco114
    Hi Honey

    Bless you , thanks for your lovely post
    I kind of feel like I have lost my MSE Mojo a little of late .... I am sooooooo tired now , I am counting the days to the Christmas Break - 11 more early get ups

    But, I will be back with a vengeance for 2013 - I have a lot I want to achieve and a lot of debt to clear next year, above all I want out of this house - and I am absolutely determined to do it

    Thanks again - nice to have you on board
    Coco x
    Employer Loan (Deducted @ Source) £1100/£300
    Nov Challenge ** Stop Procrastinating & do it !!***
  • Aamberle
    Morning Coco - Happy Thursday... Hope all is well? So this is 10 more early get ups for you i am sooo jealous..on day 11 as you wake up later and chill in bed with a cuppa, think of us all freezing de-icing the car/sitting on the motorway or listen to our boss panic as he realises we only have said number of days to hit our numbers... Or failing that feel very smug and think mmm cant be bothered today...thats what I would do..

    Anyway you must let us know when operation " hottie" will happen..I am sure you will need some type of grocery by then..lol.

    Catch Up soon xx
    2012 The year I started dealing with my debts.
    2014 Focus 2 £844.07/£4700
    9 x CC's 2014 3 x BNPL
    TOTAL£56,824.50,£40,595,£36,910.22£26,429.57
  • Aamberle
    Happy friday - it is finally here ... the weekend ....woohooo XX
    2012 The year I started dealing with my debts.
    2014 Focus 2 £844.07/£4700
    9 x CC's 2014 3 x BNPL
    TOTAL£56,824.50,£40,595,£36,910.22£26,429.57
    • Mr_Toad
    • By Mr_Toad 7th Dec 12, 10:32 AM
    • 2,201 Posts
    • 3,383 Thanks
    Mr_Toad
    Yes, its Friday again. I have no idea how the weeks pass so quickly.

    I'm looking forward to a beer with friends tonight.

    At least this week I've been at home all week, the first time for quite a while that I haven't been away for all or most of the week.

    Visiting the great metrollops is fine once in a while but it's good to be home.
    One by one the penguins are slowly stealing my sanity.
    • Coco114
    • By Coco114 7th Dec 12, 8:43 PM
    • 740 Posts
    • 2,916 Thanks
    Coco114
    Happy Friday

    9 More Early get ups !!!!! not that I am counting

    A small household disaster earlier .... Nothing major but my budget blasted by another £100 I wasn't expecting. I need a plan , maybe a 2nd job , maybe eBay queen , maybe I can blag a pay rise ... Will give it some thought.

    Nothing much else to report today, too busy at work for lunch break and I bypassed Mr T on the way home so a NSD by default and a random dinner of "what's left in the fridge". Going to have a glass of Friday wine and get to bed earlyish and think about money tomorrow.

    Coco x

    Ps nice surprise - when I got home tonight the house was in darkness .... When I went into sitting room the boys had got the tree down and decorated !! It looks really pretty Bless them
    Employer Loan (Deducted @ Source) £1100/£300
    Nov Challenge ** Stop Procrastinating & do it !!***
    • sistafromanothermista
    • By sistafromanothermista 7th Dec 12, 9:07 PM
    • 2,154 Posts
    • 2,599 Thanks
    sistafromanothermista
    Coco, on the 9 early mornings left


    Ah bless about the tree.
    Glad you're doing well.



    xxxxx
    DEBT FREE AND PROUD

    'Better to remain silent and be thought a fool than to speak out and remove all doubt'
    • Coco114
    • By Coco114 8th Dec 12, 9:16 AM
    • 740 Posts
    • 2,916 Thanks
    Coco114
    Ah thanks Sista 9 ..... To......go

    Secretly , I am just waiting for the new year now - fresh starts and all that ! Yes bless them on the tree ...... I much prefer sitting room by Christmas tree lights as you can't see the untidiness and grubby carpet as much by nature , I have definate OCD tendencies .... I just don't have the energy for it though !

    It's a beautiful day here - icy cold & sparkly

    Need to go to dreaded Mr T later - and we have a small sleepover tonight - I need to learn to say "no".... Still as long as they don't keep me up all night with the noise I don't really mind.

    May make a start on sorting/shredding the paperwork sat on my kitchen worktop tonight. I have to start somewhere I suppose !

    Coco x
    Employer Loan (Deducted @ Source) £1100/£300
    Nov Challenge ** Stop Procrastinating & do it !!***
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