My diary... becoming debt free whilst still having a life!!!

savingholmes

My job is okay hopefully for a few more months. Reccie said yes so now we've got a big decision to make... sorry make that massive. Completely different side of the country and way less money etc... change of life style etc

If we did it would need to either rent our house or sell it. Don't know whether in the current climate to sell it and cut our "losses". We do have equity but the redemption penalties, estate agents fees, hips packs, solicitors fees etc and falling equity would wipe out some of that... If houses are going to continue to fall in value it may be worth selling now anyway and then possibly renting and waiting to buy until say end of next year. We would then be debt free tho but would have no assets left and very little for a deposit...:eek:

Hope you and your family are okay Ruby and 1step that the IVA is going okay. Hello to Belle and Cas and Irish Chick and any other lurkers too.

Merry Xmas all!:xmastree: :xmassign:

irishchick_3

Hi Girls!
Just a quick note to wish everyone a Verry Merry Chistmas and A Happy New Year (with all the saving, decisions to be made, loved one's to look after etc!!!)

rubydoiwannabee

Merry Christmas to you all.
Thank you so much for being my support over the last few months.

I will need to start 2009 with renewed enthusiasm for money saving and losing pounds of the other kind!!!

Anyone with me??

Have a wonderful festive season.

with best wishes.
xxxxx

~Yorkshire_Belle~

Ruby
I'll be with you whatever pounds we're saving and/or loosing! I know it's been a tough few months for you and hope 2009 brings fresh hope and renewed energy. I hope you don't mind us all 'perching' on your diary, I find the support of all of you vital in keeping me going, especially Ruby, of course, and Cas, Saving Holmes, irishchick and 1 step closer who have all just been there and kept my spirits up when times have been rough.

Here's wishing you all a very Merry Christmas - hope to see you all around before New Year - we should nominate a night to have a 'party!

Belle
x

sistercas

merry christmas :xmastree:
to all my friends on Ruby's diary
I hope you all have a great time at christmas with your family and friends
(definitley with you on the losing pounds venture, I have quite a few to shed!)

HAVE A WONDERFUL DAY
with love and best wishes
Cas xx

savingholmes

Yeah I could do with losing a few pounds in weight... could join in there.

A party sounds nice.

Thanks everyone for the support and hope you have a great time over Christmas.

Ruby still praying for you and your family, hope things work out for you.

1_step_closer

Hi!

Hope you all enjoyed Christmas? Mine was great apart from a family member but there's always one! Hubby is out with his parents today so I have me time to potter round and tidy up. I have eaten loads over the past few days but tummy is rebelling now so very little today i think!

The creditors meting is 6th jan so keep your fingers crossed!

Speak again soon,

1 step xxxxx

savingholmes

Hi all survived xmas day and boxing day. Been able to swap some unwanted gifts for things I actually like and still have some xmas £ that I can spend in the sales - so that is good! Hampers went down a treat - and took the pressure off.

DD woke up at 1.30am to find out santa had been - so we let her open 2-3 pressies but then said she couldn't open any more until morning. that was despite giving her a xmas eve hamper! She was soooooooooooooooo hyper!

Hope everyone else is having an okay xmas - and best wishes for the new year!

irishchick_3

Hi Girls!
Great to hear we all survived Christmas relatively unscathed!!
Looking forward to budgeting and penny-pinching again, in 2009!
Thanks to you all for your support in 2008, it hasnt been easy but we've all made some progress and didnt bankrupt ourselves over Xmas shopping, for a change!
Here's to saving, scrimping and of course SUPPORT in 2009!! Happy New Year!

Irishchick!

irishchick_3

Sistercas, what is the £2 savers club!???