The revenge of the stripey socks - a DFW adventure

haleygrey

what a pristine example of lexically dense prose that was!

Pippilongstocking

Hi both of you

sorry will stop now - I hate it with a passion - waves enthusiastically - sellotape over anything lexically dense.

Pippilongstocking

LT my laptop opens up and gets the DFW page open whilst I make a cuppa

trying to do sums and my head hurts - lol

Lemon_Tree

MSE is my home page, suppose i could go one better and have the DFW page as my home page. I think the machine is just bored with coming here, checking the banks, scratchcards and updating my accounts.

Pippilongstocking

You could be right

How's the garden going???

Pippilongstocking

fayjmck wrote: »

OK NOW FOR THE SCARY STRIPEY SOCK FINANCE BIT

SHUTS EYES AND HOPES FOR THE BEST - HOPE ANY OF THIS MAKES SENSE?!!

RBS loan - started£8,000/now[strike]£3088.40[/strike][strike] (160 - 29th each month)*[/strike] overpay this each month now by £285 + £160 + some payment a day stuff when extra turns up [strike]now £1660[/strike] whoops I meant £1260:j:j
Lloyds loan – £5,000/[strike]£1,874.03[/strike] £1676
Loan from penguin boy –£2900/£2745 (£145) 0% due when I can manage***

Barclays CC – [limit -3000] through debt company – [strike]£2300 (50)****[/strike] 2200
Captial one CC [limit -500] – [strike]£495[/strike] clear at mo

Lloyds CC – [liimit 1000][strike] £250.28[/strike] £496 at mo
Student loan - [strike]£14k,ish[/strike] £13772 (no payment yet)

*[strike]RBS is really high interest - last 3 months interest was £120 - not sure what to do about this at all - any suggestions welcomed.[/strike] overpaying like a beast thanks to you guys this quarters interest should be less than 60 quid fingers crossed


I use CC's for food and petrol - I have used my two 1000 overdrafts to pay off the cc so live in OD and use CC to pay for daily life. this bit gets the next priority as one of them is no longer free and charges me interest - so about time to clear it and probably keep it in reserve for emergencies

[strike]
I have 746.19 CR in my savings account - [/strike]only lodger deposit in there now £250 and shortly first part of next years car tax/insurance the rest went to the hairy scary loan

Phew its horrible looking at it all in black and red and purple
Scary debt of loans - including student loan [strike]£24017.43 :eek:[/strike]£21653
Excluding extremely scary student loan [strike]£10,017.43[/strike] £7881

Any further ideas welcomed.:D

Off to find my original SOA - to see how much I might have shrunk it from to cheer myself up - Not much better
Original SOA In Aug 2008 - Total unsecured debts..........£30253 - bad - and I was £300 a month short on my ingoings/outgoings -

..

SOA of debt now :j£21653:jannotations in purple for changes since the diary hurrah
Its looking a bit better having paid off some things so much more with extra money this past couple months - but its still pretty bad when I consider our 'actual income'

On the whole though its perked up with all your help and the constant vigilence with extra payments - meal planning and of course great advice about overpaying on here

:D:D:DTake a bow people and thanks v much :D:D:D

I am too impatient to do a 6month review so I did a six week one instead to spurn myself on for the next few months.

I also now own micro-fibre clothes - hurrah to polished glowing stainless steel:D:D

Lemon_Tree

hi well done on your progress
i've just done my accounts for April as have payslip, have gone below the critical £30k mark. I'm still struggling to bring my debt free date forward. At the moment it's 6 months later than i'm determined it will be so got to find a way of raising £3k earlier than i can see it happening.

Lemon_Tree

garden's not going so bad, haven't had chance to have a word with the seeds, OH is tasked with checking on them tomorrow in daylight and to give them what for if they haven't raised their lazy heads

Pippilongstocking

Lemon_Tree wrote: »

hi well done on your progress
i've just done my accounts for April as have payslip, have gone below the critical £30k mark. I'm still struggling to bring my debt free date forward. At the moment it's 6 months later than i'm determined it will be so got to find a way of raising £3k earlier than i can see it happening.

I am sure you will figure a plan for the 3k - fingers crossed x and well done on the sub 30k - being on here helps alot - its certainly focussed my brain in and I am trying so hard to get the shopping back into something more realistic - we eat most things from scratch but I struggled to keep it under £300 before - fingers crossed this month will be under £200 for once

Bit scared for my mega shop as its about 300 quid but I know in the longer term it will help out enormously.

DS says we should collect the whole set of the dead birds of orkney and freeze them - write a book about the peculiar collection and wipe off the debt - what a child.

Uniscots97

Hi all, quick message. Got made redundant. Got to work three months notice. Feel sick and angry. Worried about getting something else. Signing off now. Off to try and get some sleep. My head is pounding. Thanks for your support earlier guys it was very much appreciated.