you bunch of lovely !!!!!!s......

Lazymoo

well I'm going to have to type this again after it got lost:mad: I'm not the worlds greatest typer!!

I just wanted to say to you all that you are a amazing bunch of people, and have helped me with my debts, albeit not knowing it as I'm a lurker ( when does lurking become stalking:rotfl: )

I did say in my previous post (the one that got lost) that I don't have a massive debt compared to some of you but it did worry me as I'm canny old fashioned in the fact that if I don't have the money for it, I have to save for it! but when I split from ex I had to buy some things for new house and stuck it on credit.

if it was just me I would have done without but wanted to make things comfortable for the kids as I had took them away from their dad....

so after all your helful money makin tips and saving advice I have paid off this..


loan - 224 - paid

mothercare - 80 - paid

argos - 294 - paid

wasing machine - 320 - paid

credit card - 775 - 300 paid today so 445

I hope you all don't think I'm showing off or anything but I couldn't have done it without your help, I've managed to do this november and am eternally grateful to all of you or I would have been letting this debt tick over on min payments...


oh and by the way...hypno i love your diary..i think i love you:rotfl:

lisa xx

10past6

Hi Lisa :hello:

Welcome to the forum

Well done on clearing some on your debts, may I just ask, are those figures F&F setlements or the full amout you owed on each?

Lazymoo

morning!, those were the amounts I had left to clear on the cards when I started nosing around the dfw forum, so once again, thank you all:kisses2:

lisa xx

hypno06

glad to have been of assistance :rotfl:

Keep posting/lurking/stalking and you can keep using the focus and determination ideas on here to make sure you don't go back in debt again, and to build up some lovely savings.....

Happy New Year!

Lazymoo

well I'm going to use the money from the council tax break (feb/march isn't it?) to chuck another 200 quid at my credit card, and once that is cleared I'll start some serious saving, I'm so tight with money now, I don't buy anything apart from absolute necesseties, my family think I've gone mad cos I was always spending money on rubbish:rotfl:

and just a quick question..I have a direct debit for my council tax, will the council just not collect the payments in feb-mar or do I have to cancel it myself??

lisa xx

hypno06

they should just not collect it in Feb & March, though of course it is always worth keeping an eye on your bank account - I've never had a problem with it though, and I think the direct debit is only set up for 10 months of the year as a matter of course.

skint-student-nurse

as it is paid by DD, they should only take payments when they need to, so they shouldnt take the payments out of your account during the break. HTH! ps- well done you!

Lazymoo

thank you both! I'm also going to use the kids maintenence next month, which is £100 (god I'm such a bad mummy) to stick on the cc, but they got so much stuff for christmas, clothes etc, they do not need anything at all in january.

god I hope the ex not surfing these forums..he wouldnt be best pleased about the maintenece..but actually he's managed to rack up 80 grands worth of debt since we split so maybe I should send him the link:rotfl:

lisa xx

halight

Hi
Welldone, ou have done great
All the best for 2009

Lemon_Tree

well done on clearing so much debt, these boards are great aren't they, and hypno is a real inspiration for sheer determination.

spam.jam

wow, well done and go girl! you are an inspiration. im a single mum too,and i bought carpets, hoovers, washing machine and clothes last year from catalogues (all paid off now too). now im teaching my two dds the importance of 'having the money saved and in your hand before you can buy the things you want'.

keep posting and let us now how you get on, before you know it you'll be saving for something which is great

hypnos diary should be published in hardback!!