The revenge of the stripey socks - a DFW adventure

Lemon_Tree

you have done so well on the loan front, isn't it amazing what PaD's can do! and you will soon be £160 better off each month which will help with the worry over the future. You're an inspiration and not just in this way, we will all strive to have such interesting freezers but never achieve your standard lol!

lucielle

That loan is nearly so over. Well done you! I've pm'd you.
L

Uniscots97

Fay, well done on the loan! I can't believe you have come so far in such a short space of time.

Pippilongstocking

hey UNI how's the wedding plans? Not long now?

L ta for the pm

LTree I now how 2 sawflies and caterpillars in there and some willow leaves.

Can't quite beleive the loan pads rock.

The French student and I went to the beach for tea. Ok so the sea mist came down before we left. And perhaps the view wasn't great but we still ate t on the beach.

I am not sure she appreciated exactly where we were or what the weather would be like!!

Got various bread bargains at co-op at 9pm (10p) each, missed frugality terribly!!!!

Done some sums and will offer the garage half money towards Darwin bill .... Other half after paid.....hope he goes for it.

Uniscots97

wedding plans not going well. Got various members of family quite ill and nothing seems to be going right at all. I'm still job hunting. 'The' job I told you all about I heard nothing back yet, they've not interviewed or cancelled the post so hopefully I'll still hear something. A friend of mine applying for a job last year didn't hear anything for 3 months so you never know!!!!

Piquant_2

The loan's almost a memory, well done girl!! What are you going to hit next?

x

Pippilongstocking

Uni - hope it all settles down soon xx

Piq - Morning lovely - was just contemplating that very thing............... the list (without the student loan [14k] - I may well vote SNP yet (wouldnt have done before but if THEY do want to wipe out STUDENT DEBT) then who am I to complain)

Money is as follows:

Penguin boy loan - 2745 (0%)
First credit CC - 2830.78 (0%)
LLoyds loan - 1333.72 (4.5%)
Lloyds OD - 1000 (29%?) or something silly
RBS OD - 1000 (0%)

Active CC's - which I use to have a nice credit record and normally pay off in full when paid - but they've crept up a bit - naughty.
Cap 1 - 240 (18%?)
Lloyds - 778 (about the same? need check)


Thinking of tackling the Lloyds CC and OD next - whilst I don't want to lose the facility - I do want to stop the interest it causes...............thoughts??

Penguin chops continually p**ses me off with his - nochalant behaviour (SP?) and then over the top adoration - so he's not getting paid for a bit - IF ever. (red hair - bad person to annoy).

First credit keep offering me full and finals at various rates so I am doing my contract in Shetland again this summer (just under 1k) so I might look to pay a chunk of it off when I get some shetland flower money..........the power of the flowers

BTW - yeah daddy buying cello - lovely thought - he was more thinking of some money for clothes though - doh!! Did I mention he's a pratt?

Lovely new OH has suggested he might like to give a hefty contribution (? I need more info...) - so that may help and school have given her the loan of a 3/4 cello until she doesn't need it. We COULD stay with a school cello - BUT - she's great and she really does need a lovely one of her own as she works really had and MAY MAY MAY be playing with the Scottish Orchestra this year and get to play during a festival at the Cathederal - she never asks for anything so its so hard to buy for her bless her stripey socks.

School also do a scheme where they save you the VAT if you buy it with a form from them - so all good money saving - sort of.....:)

Pippilongstocking

[STRIKE]£22,568 [/STRIKE]- total debt including stupid student loan. £23901

Pah.

Although its much much much better than this time last year..................:)

Thank you all

Pippilongstocking

........also thinking of 'decluttering' takes me a while to catch up with the rest of you.

Kids away - ebay calling - will see what I can amass - I know I need to sort out so much - and I guess someone might want it..........

Lemon_Tree

good idea to look at the next challenges ahead of you. good choices on what to tackle first, though i would look to see how much the actual interest charge is on the cards and the overdraft each month to see which one makes the most difference, but you'll have lots to throw at it with the loan payment stopping so that's a real help.
good luck with the decluttering, i've been decluttering for over a year and trying to get my place straight and i have this feeling deep down that despite getting rid of loads of stuff it just seems to be moving around in the flat.