Sunshine, Daffodils and lolipops-concentrating on the good things in life

pania

Hiya Miz!!!!! good to see you back!

Malaysia. hmmm. terms are slightly worse, lower salary etc but it means i can pay my debts and everything else will be gone. also if i sell my car and with the months notice from work i could effectively clear off my 2 much smaller debts and reduce my outgoings that way! decisions decisions!

FWMBOHBNSY still coming with me tomorrow night but has been very quiet this week. maybe i've just worn him out i don't know!! (oops heck, i forgot my lurker... didn't mean it mum! sorreeeey!!! am still sweet and pure don't ya know!) but was saying to Hypno last night that i don't intend to allow a man to stand in the way again this time. learnt that lesson from previously!

turning things around slowly miz. baby steps and all that. x

pania

bathgatebuyer wrote: »

Here's a happy thought, I checked my credit score last night and only 35% of the population are deemed to have better! Woo hoo! 3 years ago I was in the 'very poor' category and in the lowest 10% of the population, and after a lot of hard work, it's nice to look at my score and see 'no missed payments in the past 12 months' and 'FAIR' appear on the screen.

Caveat - I know, I know, someone will pop up and say, "But your credit score is irrelevent.......yada....yada...............inidividual lenders have their own criteria...........". I check it once a year and this time it says I'm 'average' in credit score terms. I'm an average UK person in credit terms.

Happy to be average when it comes to money!

Bathgate thas fab news!!!! My credit report is like pandoras box to me and approached with the same level of trepidation, only because although i've been making payments every month on the button for the last 4 years it never ever seems to improve!

lunar

Hope you are feeling better now. Have you made any decision about the job, it sounds an amazing opportunity. not sure if i would be brave enough to take it but i hope that you are.

Have you spoken to your mum, if she hasnt made the connection its an amazing coincidence that she sent this card. you have never said anything that you really wouldnt want her to read so dont worry too much about it.

pania

Hiya Lunar!!! nice christmassy siggy!!! how are you and how is wee one? good i hope?

not spoken to mum yet! they are mid flight back home from NZ so will wait on that one! may well drop a few non too subtle hints and see what response i get back!!

People that were going to take DP have just pulled out!! gah gah GAAAHHH!!!! I need to find him a home !!!!!! !!!!!! !!!!!!!!!!!

embarrassed_about_my_debt

Hey stranger!

Dont believe i've missed your new diary for this long sorry.

Things sound like they are on the up for you! :j Glad to hear it! So you not down the road anymore?

lunar

My little one is growing quickly, he is over 10lbs now and i seem to be packing away clothes every few days! I feel all festive now i have my christmas sig. Let us know how you get on with your mum.

mizmir

Definitely the right attitude there pania - think about what is going to work best for you. When do you need to make a decision about Malaysia?

Good luck with DP - must be a real worry for you.

pania

tiddly tiddly tiddly tiddly tiddly tiddly pompompom!!!!!!!!

I LOVE YOU WIIIIIINNNNEEEEEEEE I DOOOOOOO I LOVE YOOOOU!!!!!!

elantan

well hello pania you sound chirpy this evening how are you ?

pania

!!!!ed.:T:T