Single and in debt.

TDQO

Here's a great idea for snacks at work and I've just started doing it...

1x large smart price pack of raisins/sultana's (about 50p)
1x large smart price pack of peanuts/other nuts (couple of quid?)
1x small plastic pot (tupperware or similar)

Just bung half n half of each into the pot every morning before you go and munch on them whenever you're hungry. Nuts n dried fruit will fill you up and they give you lots of energy without the sugar crash you get from chocolate.

Buffythedebtslayer

done my tesco's order, lots of snack ideas.

I will do this but only after a good night's sleep!!

see you all tomorrow

Buffy xxxx

TDQO

Night night all, sweet dreams etc etc xx

TDQO

Oooh ooooh!

I just want to post this cus I think it's funny... see if you can figure out what context it was used in:

“A rising tide lifts all boats … but it’s only when the tide goes out that you can see who’s been swimming naked.”

Paulgonnabedebtfree

sarahb123 wrote: »

Hi all, have been doing some spending today:rolleyes: I have spent £21 on 3 books, saw them in Waterstones today but waited until I got home to see if they were cheaper online, which they were, used a code and went through Quidco, also bought a jumper for £10, reduced from £35 and a skirt for £19, reduced from £60.

Added to the shoes I bought the other day I should be really pleased because they were all bargains and I will use them but I am feeling a bit guilty and anxious about it all, I must stop this spending. Yes, they were all great reductions which before I would have bought without thinking at full price and they are all lovely and I will get good use from them, but I did not need them.:rolleyes: (Well I did ish, need things that fit, rather than sit in bags in the wardrobe.)

On the plus side, my new cc arrived today and I have set up a dd to pay the full amount each month, I will get £25 worth of vouchers if I spend £200 on it in the next 3 months, so shall get food and petrol and pay it in full each month, but am anxious about cc spending again I think, although have never had a dd set up for the full amount before, only the minimum:o Also got £40 through Quidco for it, so am quite pleased with that. Think I am just a bit worried because my spending monster seems to have returned.:rolleyes:
Anxiety might be also due to just checking online banking:eek: I must start running it in credit again, am sick of counting backwards.

If you are anxious about being able to pay the full amount at the end of the month (even by DD) maybe set up a BACS payment with your online banking and pay the full amount straight away. At least you know you have the money then when you pay. You could cancel the DD completely if you were to do that.

Paulgonnabedebtfree

SuSu1871 wrote: »

LOL!! Okay, here's the info on the complicated man... Bit of back story required...

A few weeks ago I went out to a with my pal, and met some of her pals. One of them was saying how she's been having an affair because she's miserable with her husband. Said he was boring, she didn't love him any more, more like brother/sister, etc. The wife (from what I saw and what I've learnt from my pal since) is a bit of a lush - out on the pop every night, doesn't work so comes in at all hours, takes drugs, etc. I actually felt sorry for the husband and told her on the night - no-one deserves to be treated like that. Anyway, my pal told me yesterday that she told her husband last weekend that she wanted a divorce. They're still living in the same house until she can find somewhere else for her and their daughter.

Anyway... when we got to the pub yesterday, my pal pointed out the husband to me. I was expecting some 50-something couch potato, but he's actually late 30's, slim, a very good looking! I chatted with his wife for a bit, then my pal got chatting to her new bloke. I didn't want to sit with his wife and a load of p!ssed blokes, so I went over and introduced myself to her husband. He was playing pool with their daughter and I thought he might like a grown up to talk to. The three of us had a lovely couple of hours playing pool - the girls v him, and we got on really well.

I told my pal that I liked him, but that as it was complicated I wasn't sure what to do. She said I shouldn't do anything and that I'd see him again as we'd be at the pub again next weekend. So I agreed and just kept things as they were - flirting as much as you can when you're the new girl in his local and his wife's there and his daughter's with you!

We popped outside for a cheeky smoke and he asked me for my number. Of course I gave it to him, but I didn't take his number. I said that as things were complicated I'd leave it to him to get in touch with me - I didn't want to push it. Anyway, he texted me last night to see I'd got home okay in the snow, and we've been texting again today. He said he should be able to call later, when his wife's at the pub and his daughter's in bed.

I spoke with my friend today and she's really excited about it!! Said he's quite shy, so she was surprised he asked for my number! She said that him & his wife are not suited to each other at all, and that I'm much more his type of person. So... hopefully we'll be able to speak later, and it'd be nice to see him on his own, but I understand we'll have to take things really slowly.

Still excited though!!

Sounds like there may be some potential there. When a guy is doing the "my wife doesn't understand me" bit, that usually means he just wants to get his rocks off. But when his wifeis saying pretty much the same thing, it sounds more believable.
Might need to test this more though in a "cold light of day scenario" as it's easy to feel a bit carried away when alcohol is assisting the thinking.
I think that relationships that start with "interests in common" are more likely to last the course but it depends what you want I suppose.
I look forward to the next instalment

Lula-Hula

Morning all,

TDQ - I love spinach fried in butter - almost as good as raw

SuSu - Enjoy

Rosa - Good news on life going your way

Bowski - was ok ish yesterday , but gonna be real good today

Paul - Wow to the £4,000 challenge, am very impressed as I just couldnt work out how to do that, cant get my outgoings down enough without not having heat & I'm not prepared to get hypothermia just to save money... & being cold makes me eat more

I think I have work today which is good for finances so must go play in the snow now :j

Paulgonnabedebtfree

Lula-Hula wrote: »

Morning all,

TDQ - I love spinach fried in butter - almost as good as raw

SuSu - Enjoy

Rosa - Good news on life going your way

Bowski - was ok ish yesterday , but gonna be real good today

Paul - Wow to the £4,000 challenge, am very impressed as I just couldnt work out how to do that, cant get my outgoings down enough without not having heat & I'm not prepared to get hypothermia just to save money... & being cold makes me eat more

I think I have work today which is good for finances so must go play in the snow now :j

My 4 grand challenge isn't quite as good as it looks because I need to update the numbers for the past week or so. I have the numbers but need to apply them to the sig. As some DDs went out yesterday for some of the bills and I had to buy some new tyres recently, I need to get onto this. I anticipate being under 4 grand at year end even if next December is spent living on beans on toast (NOTE TO DIARY: Keep socialising to a minimum next December)

SuSu1871

Paulgonnabedebtfree wrote: »

Sounds like there may be some potential there. When a guy is doing the "my wife doesn't understand me" bit, that usually means he just wants to get his rocks off. But when his wifeis saying pretty much the same thing, it sounds more believable.
Might need to test this more though in a "cold light of day scenario" as it's easy to feel a bit carried away when alcohol is assisting the thinking.
I think that relationships that start with "interests in common" are more likely to last the course but it depends what you want I suppose.
I look forward to the next instalment

Hi Paulgonnabedebtfree

Thanks for the manly advice! I think that as there was absolutely no physical contact on Sunday, and limited chance to talk, we managed to have our cold light of day moment last night, and it all feels good. We know what we're letting ourselves in for...

Re the alcohol thing...we'll he'd only had 2/3 pints because he had his daughter with him (she's under 10 - it was early evening) and I don't drink, so there wasn't really any blurring of reality!

We already have one big interest in common in that we're both mad ManU fans (that's a very attractive trait in a man :rotfl: )

I will, of course, update when there's something to report I'm still all , even though I hardly slept for smiling!!

mags33_2

bathgatebuyer wrote: »

Mags, the Halifax are gits! I went in today to pay a bill (not that I ever want to go into a Halifax ever again, but it was the closest bank to ork and needs must!). The girl behind the counter asked about any account numbers in order to find my details and I have an old savings book my Mum opened for me when I was 2 (handy for being able to get her HBoS 'emergency' cheques out same day which is the only reason I keep it). Anyhoo, the girl then says, "Oh, we don't have you at your present address. Have you lived there long?" Yes. 8 years. Seems they have been sending correspondence to my old address for the past 8 years about my account!!!

Surely they should know me by now - Scottish, wee, pain in the !!!!, they've repaid me £4k in bank charges, £600 in visa charges and I argue about everything with them. Now they tell me they've been sending banking information to an address I haven't lived in for 8 years?!

I feel a complaint letter coming on!

your spot on dont know why they are calling as they know i cannot give anymore as theyve been sent my income and expenditure so they can sing. they call when im at work lol