Too scared to work out what I owe

moozie_2

southernscouser wrote:

Moozie, congratulations on winning the thread of the month! Well deserved! :T :T :T

http://forums.moneysavingexpert.com/showthread.html?p=1662759#post1662759

You must think I am really think but have no idea what this is. I trust you though so it must be good news. Off to look in the link now....apprehensively I might add!

southernscouser

So what you gonna do with the money?

gallygirl

moozie wrote:

Thank you Ali007 You are very kind. A week ago all this seemed impossible. My head was so deeply in the sand that I could not see a way out. I felt so embarrassed about my mess that I can now say I thought I'd lose my OH's respect if he knew. I am just so grateful that he's so understanding and supportive and that he's agreed to resolve his own debt issues. Things can only get better.

As far as your ex tenant is concerned, my heart goes out to you. He's really something to leave you in that position with the rent and with the property! I am sorry you are going through it but I am pleased that you are geared up for a fight. Goodness knows if he's done this before and got away with it.

YOU go girl! :T

No YOU go girl! After my last post I felt ashamed of myself for moaning - my problems are v small compared to many on here. But you're doing great - and debt free day is in this decade!!!!!! Bet you'd never have thought that 2 weeks ago!:T :T :T :T :T :T :T

**purpleprincess**

Yay!! :j Woo Moozie!!!

Well done honey!!! Keep up the good work!! The hardest part is definitely facing it all.

I love it here on MSE as no-one judges and we're pretty much all in the same boat.

:iloveyou: ALL!!!!!!!!!!!!!!!

XXX

moozie_2

southernscouser wrote:

So what you gonna do with the money?

I still can't believe it southernscouser. You really are a star for letting me know :kisses3:

Funnily enough it will go straight in the joint OD. Can't wait to tell the OH

moozie_2

ali007 wrote:

No YOU go girl! After my last post I felt ashamed of myself for moaning - my problems are v small compared to many on here. But you're doing great - and debt free day is in this decade!!!!!! Bet you'd never have thought that 2 weeks ago!:T :T :T :T :T :T :T

You should never be ashamed for moaning on here. I learnt that in my short time on MSE. There is always help and support available and most importantly, a non judgemental shoulder to lean on!

2 weeks ago everything was so different. Things have improved beyond any of my expectations. I am so lucky to have found this website and this community

southernscouser

moozie wrote:

Hello everyone

At the end of the weekend and although I don't feel as depressed as the last, I am in need of some advice.

Following all the good progress last week, the weekend started really well. I had spent a lot less than ever before during last week and although I knew we had agreed to a couple of social things before the 'light bulb' moment, I was counting on us being careful about our spending. We did not do too bad - in fact it was a good 'dummy run' for a budgeted weekend.

Next weekend we have arranged to go away with friends for two nights. We have done this before and those weekends always cost a lot. We always have a great time but on this occasion, the timing is really bad. Unfortunately we cannot pull out as the weekend is a birthday celebration and we are the only guests. Next weekend is the last weekend until April that we have committed ourselves to social activities.

So it seems that before we can put all our resources in sorting out our debts, we have some hurdles to get through. It does make me wish I had my 'light bulb' moment a lot earlier but I guess those things cannot be forced.

We have agreed to a food budget of £20 for this week (Mon - Fri). This will cover ingredients for our breakfast, lunch and dinner. I will make lunch for both of us to take to work too - first for us!

We have also set ourselves a little challenge: £10 spending money each for the week, Mon - Fri again. OH thinks I can't possibly do it so we'll have to see about that!

I am really hoping that by limiting our spending so dramatically, it will help boost the balance of our current accounts and give us the ability to start paying off chunks of the Barclays joint OD.

I guess I am a bit down about spending this and next weekend, even though we are being as careful as we can. Did anyone else find that even though they had their 'light bulb' moment, certain things still happened that delayed them getting cracking with paying off things? How did you deal with that?

Thank you for any advice/suggestions.

How about taking some cheap booze with you if you drink! Will be cheaper than buying it out so you can get tanked up before you go and only buy a couple while out?

Also perhaps suggest cooking a meal if possible rather than go out if this is what you normally do?

Queen.Bess

D&DD wrote:

My overdraft mission is going well so far I made nearly £200 this week on ebay but have not even put a dent in my selling pile yet

Well done D&DD :T I too have just finished selling a few bits and pieces on Ebay and made the princely sum of £19.99!! Not as good as you, but it all helps!

And well done again Moozie for all that you are doing - Keep it up! :j

Sorry, I know this is off thread as it were, but could I just ask someone please: How do I get a picture on the lefthand side under my name and also how to add information at the bottom of my messages, inc. details of the £2 Savers Club and lightbulb moments, etc! Thanks!

Verbatim

Well done Moozie.

moozie_2

Queen.Bess wrote:

Sorry, I know this is off thread as it were, but could I just ask someone please: How do I get a picture on the lefthand side under my name and also how to add information at the bottom of my messages, inc. details of the £2 Savers Club and lightbulb moments, etc! Thanks!

Thank you very much Queen.Bess

As far as your question goes, if you click on 'user CP', a window with a menu on the right will appear. There you can select to edit your signature and use an avatar (the picture under the user name).

Hope this helps but don't be afraid to ask again if you need more help