My Long and Winding Debt Journey

strumpet

Hi there LFTS & PepeYou two seem to be existing in a world of your own so I thougth I'd join you and subscribe to your thread.LFTS - well done on getting all your debts interest free - that will save you buckets! Have you put your debts into the snowball calculator to see when you debt free date is? There's a link somewhere - if only I could find it......I noticed a while back in your posts, you mentioned that all your jumpers were thin - wear more than one! The layer of air you trap between them will keep you warmer than a thick jumper! And do we really need an excuse to snuggle on the sofa with a duvet? I know I don't especially if OH is snuggling next to me!Keep at the meal plans - see if you can set up a spending diary to see where your money goes each week - I started mine in August and was amazed at what junk I spent money on. September has been a good month for me (if I ignore £195 dentist fees. Check out my diary if you fancy a good laugh!I'll pop in from time to time too check you're both behaving yourselves!!Strumpet

longforthesun

Thanks Strumpet nice of you to drop by. I have actually read your diary I don't subscribe (but might now).

I have a book labelled spending diary but have yet to write anything in it. May get it out for the 1st.

I snowballed months ago before we went onto a DMP but will have a look again although don't know if i dare it may depress me.

longforthesun

Okay meal plan for next week done.

Tuesday - Spag Bol with Garlic Bread and Chicken Hotpot
Wednesday - Roast Beef, Potatoes, Veg and yorshire puds
Thursday - Sausage, Mash, veg and Breaded Chicken
Friday - Beef Caserole Veg and Potatoes
Saturday - Chicken pieces with Rice and tortillas
Sunday - Roast Chicken, Veg. Roast Potatoes and Yorkshire Puds
Monday - Fish, Chips, Baked Tottie and Cheese.

So just got to make my list for the shops tomorrow. Might make a lunch time meal plan as well to try and keep me organised this week.

longforthesun

Back from Asda spent £79 but got loads of food they were doing some good deals on meat. Have decided to up the budget this month for food to £200 and see how we go on this.

Weather is awful here have heating on but will switch it off soon, again I have my dressing gown on. All the doom and gloom on the news is really getting me down I worry about everything you see.

Off too change by signature.

pepe2008

Hello LFTS and Strumpet too!!

Always nice to be surprised by a strumpet:rotfl:

Been a bit neglectful ( word? should be ), heads been occupied by 1st Credits latest threat this one from their 'in-house' solicitors...thats the ones who cant get a proper Law job, haha. Bring it on, I'm ready for you.

Duvet days! There should be an on-line 'DFW Duvet Day' where we can go to when we need to.

Keep it up, I found the second/third month into the dmp really hard going....you feel you SHOULD be doing something else about the debt, but you dont know what.

longforthesun

Pepe I was reading the thread on 1st credit the other day they sound lovely people (not). As Citi have now stopped interest I am wondering if this means they will pass it on to 1st Credit. It makes you wonder how the people that work for this lot sleep at night.

longforthesun

Dinner is in the Slow Cooker. Have put 2 washings on and am about to sort through more paper work (will the pile ever go down).

Lloyds TSB had till yesterday to respond to my letter re their failure to send me a CCA and I have not heard from them so off to see what letter i send now.

Cold again here but the sun was shinning for a wee while then the rain started.

pepe2008

Hi LFTS,

In answer to your question 'how do the people at 1st Credit sleep at night?'
They dont! They hang upside down during the day, then at night they fly!!!! Just dont leave the bedroom window open:eek:

longforthesun

[In answer to your question 'how do the people at 1st Credit sleep at night?'
They dont! They hang upside down during the day, then at night they fly!!!! Just dont leave the bedroom window open:eek:]

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

pepe2008

Hi LFTS,

Glad to have given you a giggle! Laughter and money are like manure...best spread around .

Time to get a couple of hours sleep, 1 a.m starts ar OK, but they catch up on Wednesdays. But if I go to bed earlier than 2030 I never see anyone.

Later, alligator.