YM's countdown to the 17th March

BlueIsTheColour

Just wanted to say good luck with it YM, will read with interest. Funny about Payplan, I filled in the details on their website last night and they rang me today, but I missed the call, oops, so now I need to ring them again...Hope you get through, just ignore any creditor calls, what's the worst that can happen?:D

fiveyearplan

If someone buys my house I can move a lot sooner - of course we can have the next BR meet there.

Soon to be BR's could put that on their credit cards as essential expenditure pre BR.

chelseabun_3

fiveyearplan wrote: »

If someone buys my house I can move a lot sooner - of course we can have the next BR meet there.

Soon to be BR's could put that on their credit cards as essential expenditure pre BR.

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

A totally necessary expense, I feel! Hope you sell soon!

haleygrey

i agree and it looks lovely. I think I might be following my son in a few years!

chelseabun_3

haleygrey,

I've been meaning to ask, as a few people seem to have it in their sig - what is the Sealed Pot Challenge??

fiveyearplan

Sealed pot challenge is from DFW board.

miaoww

hello ym
been following your threads / posts - was supposed to of gotten my act together last night sorting forms online etc but didnt get round to it after completing soa - now have adjusted it and doesnt add up at all - will try again later / tomorrow
had a default letter today and MUSt respond within 21 days so thats after my court date so will prob just ignore that and wait for the next ones to arrive on monday.
Got the little red tin with court money in it staring at me will have to put in a cupboard before i get tempted (heehee)

yellowmonkey

Saturday 3rd January 2009...73 days to go

miaoww make sure you put that tin away before you get tempted now

Thanks for the advice regarding CB. Will not be putting that down on my I/E forms.

Hope you have all had a good weekend thus far. Not really done much regarding forms today but have decided I need to sort out my DD'S and S/O from my Halifax account before next months payments come out.

I have a £5000 :eek: Overdraft with them and still have my bills coming out of it and am getting charged £71.01 next month for the privalige. For the next couple of months I will use my Nat West step account that I have my wages paid into and then transfer to my Oh's account for S/0 and DD'S for payments begining of April or if time permits my Co op account.

I go BR on the 17th March so theretically should have time to change my bill payments for April from my Co op account and also get my wages paid in as well. May be a bit tight so will have to see how it goes.

Priority one is to sort out my Halifax account and not pay the £71 just for the privilage of paying my bills. Will get onto that first thing Monday.

Off to work soon so will wish you a good night and take care

ym

yellowmonkey

Sunday 4th January 2009...72 days to go

Filled out a little bit more online so up to 76% of that done now and also changed 1 Standing order from the Halifax to Nat west.

Now dont tut but I pay monthly for a Golf membership which I have just renewed for 2009 and the first payment came out January. What I was thinking could I change this payment to my Oh's account or will I have to find the payments out of my surplus as I dont think they will allow for Golf membership. Because this payment has been made up front by my company will the OR look at this as a debt or can I carry on paying the monthly fee. This had to be done in October last year and I did not think about BR then. Sorry if that sounds confusing but I know what I mean

Have a good one

ym

jellygirl_2

yellowmonkey wrote: »

Thanks for that FYP.

Just panicking that they will get heavy and take me to court before BR

YM

hi YM - this (Jan 09) is the first month where I am not going to pay my credit cards/storecards - have been up to date until now but realistically have no funds to pay them with anyway so have bit the bullet - I am also looking at march to go br (dont know where Im gonna get the fees from yet) so will also be dodging creditors over the next couple of months or so - Im nervous about it too, but it will soon be here, try not to worry:beer: