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End of the road
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# 21
eeeeeee
Old 22-11-2012, 6:05 PM
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Join Date: Feb 2009
Posts: 440
Default welldone

the first thing you have done right is admitted that you have a problem !
NSD = 3/31 spent = £97.88/31 groceries = £26/31 fuel =2/31
various debts = /£14366.89secured loan = /£13887.21 full settlement figuremortgage = /£64,342.45
ime not debt free ,but ime trying JANUARY BIG FINANCIAL FREEZE (JBFF)no35
proud owner of a british bullog puppies due end of jan2013
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# 22
sistafromanothermista
Old 22-11-2012, 6:09 PM
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Location: Somewhere over the rainbow searching for the pot of gold....
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Quote:
Originally Posted by artnoble View Post
Yours was the slap in the face I needed. I'll let you off this time

Sometimes that's what you need

You will get there artnoble just persevere with it...
£20,308----£0 in 24 months

America here I come!!
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# 23
greenanne
Old 22-11-2012, 6:25 PM
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Location: bedfordshire
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hi artnoble
just afew ideas from my own humble journey.

firstly,i'm not sure what that is in your signature and i know it means something to you but it doesn't sound like something positive.maybe change it so that you see something thats going to inspire you everytime you come on the site.it's all about being in a positive state of mind.
it's time to start doing things now instead of just talking about it.i remember when i joined this site i used to get letters and i wouldn't even open them.getting my soa down was like a weight being lifted off my shoulders.thats what you need to do now.believe me it will make you feel better.
good luck.
there is no wealth but life
sealed pot challenge#240
df by dec 2014#150

Barclaycard[ 1641]512. loan[4100]2673. nationwide[1898]1548.natwest 2980.total [8584]7713.
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# 24
artnoble
Old 22-11-2012, 6:28 PM
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Join Date: Oct 2007
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Quote:
Originally Posted by sistafromanothermista View Post
Sometimes that's what you need

You will get there artnoble just persevere with it...
Thanks. Just hope I have some will power
Watch this space.... Will update soon!
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# 25
artnoble
Old 22-11-2012, 6:33 PM
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Quote:
Originally Posted by sistafromanothermista View Post
Sometimes that's what you need

You will get there artnoble just persevere with it...
Thanks. Just hope I have some will power
Watch this space.... Will update soon!
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# 26
artnoble
Old 22-11-2012, 6:34 PM
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Quote:
Originally Posted by greenanne View Post
hi artnoble
just afew ideas from my own humble journey.

firstly,i'm not sure what that is in your signature and i know it means something to you but it doesn't sound like something positive.maybe change it so that you see something thats going to inspire you everytime you come on the site.it's all about being in a positive state of mind.
it's time to start doing things now instead of just talking about it.i remember when i joined this site i used to get letters and i wouldn't even open them.getting my soa down was like a weight being lifted off my shoulders.thats what you need to do now.believe me it will make you feel better.
good luck.
Think the signature is from when I joined in 2007. I'll look into it and see if I can work out a progress chart.

Thank you for the suggestion.
Watch this space.... Will update soon!
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# 27
Ilona
Old 22-11-2012, 6:48 PM
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Location: North Lincolnshire
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Quote:
Originally Posted by artnoble View Post

I think if I can get everything in order and start afresh after Xmas. Work out a budget and then plough as much as I can towards the debt.

What would your advice be?
Christmas is weeks away, best get started on it now. Don't put off till tomorrow what you can do today. Good luck.
Ilona
First of all see if you can get it free, then see if you can make it. If you can't can you get it at a car boot sale, or a charity shop, and only as a last resort, go to a shop.
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# 28
artnoble
Old 22-11-2012, 7:42 PM
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Quote:
Originally Posted by Ilona View Post
Christmas is weeks away, best get started on it now. Don't put off till tomorrow what you can do today. Good luck.
Ilona
I'm going to make a start on sorting through my mail this weekend and coming up with dinner plans for work.

Next weeks pay day is the last one before Xmas. I do want to get through it with out worrying. I will try and put some aside though with the money I've saved from not wasting my money.
Watch this space.... Will update soon!
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# 29
brummiebabe
Old 23-11-2012, 6:29 AM
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Your signature is some lyrics of a song by The Killers

Good luck with getting your SOA and budget done....you can do it - keep posting!
20p Saver Club #33 60p/£100
Christmas Saving £0/£1300

Saving Target 2014 £25/£1000
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# 30
artnoble
Old 23-11-2012, 7:21 AM
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Quote:
Originally Posted by brummiebabe View Post
Your signature is some lyrics of a song by The Killers

Good luck with getting your SOA and budget done....you can do it - keep posting!
It is... And your from brummie land to
Watch this space.... Will update soon!
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# 31
fatbelly
Old 23-11-2012, 8:50 PM
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Originally Posted by artnoble View Post
The thing is I've not paid any of these debts for years. There are no aprs they are just passed round from dca to dca.
How many years?
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# 32
brummiebabe
Old 23-11-2012, 9:04 PM
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Quote:
Originally Posted by artnoble View Post
It is... And your from brummie land to
Are you then? South, East, West or North?
20p Saver Club #33 60p/£100
Christmas Saving £0/£1300

Saving Target 2014 £25/£1000
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# 33
artnoble
Old 25-11-2012, 5:21 PM
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Quote:
Originally Posted by fatbelly View Post
How many years?

The eldest looks like 2007
Watch this space.... Will update soon!
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# 34
artnoble
Old 25-11-2012, 5:23 PM
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Quote:
Originally Posted by brummiebabe View Post
Are you then? South, East, West or North?
Depends where you are I guess.

I'm from e Black Country I guess.
Watch this space.... Will update soon!
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# 35
artnoble
Old 25-11-2012, 6:37 PM
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I've been shopping over the weekend and bought enough bread ham and crisps for lunches next week. I've got cereal so I can eat before work so I don't need to go to the cafe for breakfast.

Pay day is Friday and I'm pretty much skint so of course it's going to be a non spend week. Hopefully it'll set me in good stead though and can carry it on until next week. Also I'm going to stop taking my wallet to work so I'm not tempted with the Golden Arches or mr chicken.

Once I've worked out what I owe I'll post my SOA. I kinda guess as all my debts have defaulted he dca's would be quite willing to work with me. I'm going to plan and do a self run dmp. Would anyone advice me doing this?

(Also I think I'm I'm going to use this thread as my diary, if there's any mods reading could this be moved to the correct section).
Watch this space.... Will update soon!
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# 36
abby1234519
Old 25-11-2012, 8:44 PM
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Quote:
Originally Posted by artnoble View Post
Thanks. Just hope I have some will power
What about a debt buddy? Someone you can text when you feel the urge to spend? Or write an email to so you don't spend! Worked for me
£16,729.50 to pay. October 2014
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# 37
NinjaSavingKat
Old 25-11-2012, 9:11 PM
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You sunshine - need to look out for my next thread ...December Debt Destruction... I'll quite happily crack the NSK whip and there will be a great amount of encouragement along the way...

Do not make this journey a New Years Resolution - kickstart it now.. Crisps and Hamy Sarnies in tow..

Onwards and Upwards ..
x
Travel Savings Fund ; £10200 CASH (£4750 SPENT) / £12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
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# 38
artnoble
Old 26-11-2012, 5:31 PM
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Join Date: Oct 2007
Posts: 630
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Quote:
Originally Posted by NinjaSavingKat View Post
You sunshine - need to look out for my next thread ...December Debt Destruction... I'll quite happily crack the NSK whip and there will be a great amount of encouragement along the way...

Do not make this journey a New Years Resolution - kickstart it now.. Crisps and Hamy Sarnies in tow..

Onwards and Upwards ..
x
Sounds like a plan. First non spend day in years. Didn't even notice it really. The only thing I did plan is the time I ate my dinner. Usually it's anytime anywhere (I'm a van driver). But today I had my cerial before I left and then my lunch box at half 12. Hopefully I can get into a routine. (Even used last weeks ice cream tub as my lunch box).
Watch this space.... Will update soon!
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# 39
artnoble
Old 26-11-2012, 5:33 PM
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Quote:
Originally Posted by abby1234519 View Post
What about a debt buddy? Someone you can text when you feel the urge to spend? Or write an email to so you don't spend! Worked for me

That's a good idea. I'll put out a small ad to say I'm looking for a debt buddy. I think that would really help. Hard work now it to find someone haha.
Watch this space.... Will update soon!
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# 40
artnoble
Old 27-11-2012, 6:49 PM
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Bit of a strange day. Not quite a non spend day. I spent 0.39p on a bag of snaps while filling up. Usually would have spent £20+ so far this week so that's progress.

I've just returned from the doctors for a new prescription. It was a new doctor and he took by blood pressure. He said it was high so took my height and weight. I'm a tall lad (6'6) and weighed in at 21 stone. So I've had a thick ear for this and have been ordered to lose weight.

Need to have a look round the forum for money saving healthy food.
Watch this space.... Will update soon!
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