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

Sea78

Hey Pania- big hugs about the wisdom tooth - well done on all the changes in your life tho!!

xxxxx

pania

my lordy lordy!!! you guys aint gonna let me get out of the world of diary dom are you he he he!!!

well since we last spoke pania has lost her job due to the FSA closing the company down! GAH!!! I have a new job to go to now, just a temp one while sorting out my long term plans but waiting for CRB check to come back so i can start!!! chances of paying my outgoings at end of the month curently looking decidedly ropey so matched betting like a demon to try to get the majority of it covered.If i've not started work by end of this week though i will need to call my creditors and delay payment. not something i ever wanted to do but ce la vie and all that.

Will type a proper bigger longer update later.
Hugs and thanks for caring people.
P
xxx

hypno06

Who said we cared We might just be nosey :rotfl:

pania

yeah and there was me being all supportive on your thread... I take it all back!!! :P :rotfl: :rotfl:

Uniscots97

Pania, how are you getting on?

pania

eve'n all!!! oh ok then, morning, but what s a few hours between friends.

Well.... where to begin. Lots to tell so iguess the beginning to be the best part!!! basically I have been hiding.. i have been hanging my head in shame and staying away from these ere parts out of pure embarrassment that i have. basically, been pants. When i lost my job i went into a complete flunk and gave up on debt busting when in truth i should've fought fought fought to get it together and crack on with it!! so, anyway, i'm working again now. My unemployment cover is going to pay out which means that i can pay all my old bills that i havent yet had chance to pay from march and catch up with myself leaving me on a much better footing than i would've been had they refuted the claim!
And also, this month, I have made the last EVER payment towards my northern rock loan which hs freed up £274 per month!:jit just seems ironic to me that my salary is falling by an equal margin as i get my debt cleared off!!! grrr.

So. The situation as it stands is as follows

Nationwide loan. 13685.72 payment £100 per month
Halifax loan 1765.18 payment £ 25 per month
Halifax CC 835.00 payment £ 15 per month
Dad 1072.00 payment £100 per month
Training debt 740.00 payment £ 50 per month
Nationwide CC 544.00 payment £ 25 per month
Welcome finance 539.02 payment £51.56 per month

grand total of indebtedness right now at this second in time £19118 :eek: but from 42k ish that sounds fab to me. I never did know an exact total of how much it worked out as...:rolleyes:

Sometimes I think that i could've thrown in the towel and am proud of the fact that i have kept fighting this even when ccc said to me i was an ideal candidate for bankruptcy. Sometimes i wish i'd fought harder in the early days and not given in and gone for the DMP. I would've been debt free for 3 years by now. But the northern rock loan ending has truly truly given me a motivational spurt as i can see my outgoings falling now and want them to fall far enough that i can have a good life and enjoy holidays etc again. my last holiday was 4 years ago how sad is that!!! May is going to be a tight month as i have to service and tax my car but in june i have £100 that i am paying a friend for being so lovely and helping me out of a hole a few months ago ending too so that will lower my outgoings further!! i may even be able to get that gone quicker with a bit of ebaying, and i have plenty of it to do!!!

The payments above for halifax x2 and nationwide card have just been decreased from £50 per month for the 2 larger amounts and 40 per month for the smaller down to what they are now, purely as i couldn't afford the higher payments and didnt want to default. See what i mean about throwing in the towel!!! I am a seasoned DFW'er, know all the tricks of the trade in getting extra money, I could've acheived it but instead i gave up in a very non pania like way. Still, back on the bandwagon now and really looking forward to whistling through those smaller amounts tout de suite!!!

So, my goal, in 3 months time by hook or by crook i WILL have got rid of the nationwide credit card and the training debt. that also will give me the satisfaction of having my first default marked as satisfied on my credit record.. whoop diddy whoop whoop!!!:D

And today in other news.....

Pania has an OH again!!!:D:D:D a loving, kind, caring, gentle and oh so considerate ex work colleague who i had admired from afar for over 2 years, oblivious to the fact that he was admiring me from afar too :rolleyes:. His marriage broke down at the beginning of the year and i helped him trough that as he helped me through the loss of my job and getting over the split from XOH. our friendship became really really strong until about a month ago we both realised it wasnt a friendship any more and we quite simply adored each other. it's very early days but i dont think i have ever felt quite so comfortable and relaxed with someone as i do with him and not to have to walk around on eggshells and worry if you are making the person you are with happy is such a nice feeling. Its going to be tricky, there are children involved and the ex wife isnt exactly making his life easy for him:mad: but we will get through it. I have no qualms re the children and readily welcome them into my life (so long as one day i can add to the brood. )

and today in other, other news!!:D

my knee is officially knackered. dammit. off back to fracture clinic on friday to see the consultant and find out what can be done, so right now i am mr blobby's slightly less attractive colleague, I've shot up over half a stone in weight and an entire dress size. I'm busy at the moment blagging free gym trials so i can do loooads of swimming to get the weight back off and as a freebie he he!!! so i will probably be recording my fitness/weightloss acheivements on here to.

and today in more other, other news

I'm off for a shower, then off to the bank, then off for a free swim after putting some washing on...


BYEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE:D:D

pania

Just had cheque arrive from the insurance company.....

£100 more than expected!!!! WOOT WOOT!!

Wordsmith

Pania, you are such an inspiration and congratulations on all you have achieved. As for the new OH, that's absolutely brilliant. I wish you luck for the future.

beanielou

Wow thats an epic post
Fab news on new OH
Take care xx

Lemon_Tree

welcome back Pania, you've been missed, and well done for holding it together through all the trials and tribulations.
I'm pleased that you've found an OH that you deserve, and that is the type of person who you've always deserved. Good luck with your challenges, if i know you then it won't be long before you've achieved them.
Lem