new start - get life straight

Lula-Hula

eeek to charges but good news on the referral, fingers crossed for you

Glad to hear you're not taking no for an answer ... atta girl

hugs to you hon

lula xx

mum2one

I've done all my finances from jan and now have a new sdeft figure, its more than the lightbulb moment, but does include the interest added on with credit cards etc.

Total debt as 29/01/09 £12158

Breaks down to -
£1250 OD
£6933 Credit cards (all on interest added) - dfd Nov 2011
£5225 - personal debt - interest free

new dfd accountng all in April 2013.
(change sig again!!) xx

Keeping_Positive

Good luck with that I was thinking of you when reading Martin's email this morning. Sounds like you have a good case. How can they justify £1000?

mum2one

Decided to look at the debt free date positively!
Its April 2013, but if I can overpay and knock a month or 2 off, then thats better, as original plan was to be debt free by Mar 2011, which isnt going to happen, then extra payment or 2 will help.

So Plan B, is Im going to do a 40 things I want to do by 40.........take a few days for brain to get into action xx

penguin83

Hi mum - the 40 things by 40 sounds good would love to see it if you dont mind when its done.

I had to adjust my DFD last year as it just wasnt feasible anymore. Its added about a year on but the same as you I have decided to look at it postively and we are not killing ourselves any more to make the overpayments we originally set.

Hope you and little un are well xx

RosaBernicia

Hi mum2one

Just to say hello, grrrr @ Halifax and good luck with the reclaiming

Subscribed now so will keep up with your news.

Rosa xx

taxi73

Well done on setting your target day.At least it will take some of the pressure off you.At least you are paying it all back.

mum2one

Here goes, the 40 things I want to do before I am 40 (thou I'm extending to include the whole of 2011).

1. Read 100 classic books (cheating slightly as its on DS)
2. Grow my finger nails
3. Lose 40kg in weight
4. Cook 40 recipies never cooked before - 1. cherry + coconut cake, 2. toffee fudge cake, 3. brack


5. Go to Prague and Budapest
6. Make sure go horse raceing where possible
7. Take dd to Tunisa - so she can ride a camel and see Sahara Desert - going April 2008 -DID IT - THOU SHE ONLY SAT ON A CAMEL
8. Take dd to Cyprus - hotel I stayed in, go to Egypt from there to see Pyramids
9. Get my 30th tattoo
10. Go to Blackpool tower
11. Take dd to see Blackpool illuminations
12. Have a trip to Cuba planned
13. Go to Las Vegas
14. Watch the Carry On Films in order of release
15. Watch complete Hi-de-Hi series
16. The 40th anniversay of my sister passing away in March 2009, want to do something for that - HAVEING A TATTOO DONE, + ALSO NAMED A STAR FOR HER
17. Go up Snowden
18. Go Ice Sakteing
19. Go to a waterpark
20. Fly a bird of prey
21. Go across viaduct at Llangollen
22. Afternoon Tea at Ritz (my friends offered to treat me to that for 40th if I pay 5k this yr off debt)
23. Have a family picture
24. Traceing some ancestory
25. Study an OU course in 2009, 2010, 2011
26. Watch Dawlish Carnival
27. Go on Waterboat trip at home
28. Welshpool Steam Railway
29. Bridgnorth steam railway
30. Train between Bridgnorth low town/high town
31. Read 20 books
32. Orient Express (again) - MY AUNTS PAYING FOR ME TO GO DEC 09
33. Learn to use mini sewing machine
34. See a medium
35. Be as near to debt free as possible
36. Horse drawn boat
37. Do a latchhook rug
38. Have a family picture around my 40th bday
39. Learn to play 10 of the DS games
40. Find a man

I know I have some expensive holiday plans, but there things I really want, and also I can use them as incentives to get debt free.

xx

penguin83

Thats a great list Mum - I really hope you manage to do them all.

Maybe do a scrap book or memory box to keep leaflets/tickets/pictures etc of places you go and things you do with maybe a little paragraph when you complete each on - it would be great to look back on.

Youve got me thinking now too!

I may bump into you one day at the races - I go a lot with my Dad and managed to get OH into it a little bit too.

Whats going to be your first classic? x x

mum2one

I love horse racing, were about an hr from Ludlow and hr the other way to Bangor, and 1hr to Chester (but thats a bit posh and expensive), if theres a meet at Newton Abbot or Exeter, when were down in Devon, try to go, dd loves the races. Thou it costs me £2.00 a race for her bets!!

We took her to see American carriage raceing last yr when we were up in Rhyl, she loved it, but v expensive ngt and out of 5 races we onyl had 1 winner, not gd and that was hers.

I havent looked properly at the classics yet, be boring at do it in their order.

Where do you and dad usually end up at racing.?