Diary of a Poor Person aged 46 1/2

chevalier

savingholmes wrote: »

well I managed 20 minutes - cleared all the crockery out of DS's room and packed the dishwasher. Now I need to continue the hunt for some vouchers to try and get some money knocked off having my tyres done! Unfortunately I need 2.

Don't know if you've seen it on my diary - but I start a job a week on Monday - not the best money in the world or the best location but money.

Just a quick hijack to say WELL DONE to saving holmes. I know that things have been SO tough for you. And you have been looking so hard for something. So it is great that you have something. And I hope it means that you can breath a little easier now?
chev

chevalier

And another thing, gad you will think i am a stalker next rather than someone who was only away for a week and had about 10 pages to wade through!

About the DMP have you done the debt remedy on CCCS yet? If you have do you thinkyou are brave enough to put the statement of affairs on here as well?

I know the gap will be huge between income and expenditure, but it never hurts to have someone else go over the figures....

As someone else said I would go with the DMP even if it does say 25 years currently.

There are several reasons for this.
1) It is pretty straight forward to do this. CCCS do loads every week. Creditors respect CCCS, Payplan or National Debtline, and generally accept DMP proposals from them. Going down this route also focusses you on what is important, ie all non secured debt is not important LOL. So money goes to mortgage, other secured loans, then money for utilities (oh and you haven't switched your heating on yet have you - that is what jumpers are for ) and council tax, then food. What ever is left goes pro rata towards the debts.

2) With an IVA you get more debt written off initially BUT you have to make that payment come hell or high water. No excuses. Can you guarantee to do that for 5 years? Also they would want you to release equity from the the house in about year 3, which might mean you have to sell it to do this.

3) The house sale from Cyprus WILLL go through sometime. When that happens, that will know about 10 years off your DMP anyway, so that takes it down to 15 years LOL. Then once the children are in secondary school, you can get down to doing more hours - which will decrease the debt free date again. So it never takes as long as the initial length of time is.

4) I would suggest that you leave out the school fees and also leave out the ebay and avon money etc. In that way it will focus you that you HAVE to get those listings up those books out because it is paying for the kids to stay in their school....

There was something else that I was going to say but can't remember what it was so that must mean i need more coffee!
chev

mrscmr

wow wow wow ladies!

thanks so much for your posts, good words, motivation, appreciation and more!

chev.. you have gone into post overdrive! coffee definitely needed!

SH - is a fighter alright! a determind woman if ever there was one!

as for me... well im working at warp speed... what was it that capt kirk used to say ?? not that im a trekie "mr sulu warp speed 12" well i think im working at double that.

have some paid work, some ebay on major melt down, avon - hilarious trying to read the tiny print on the boxes of mascara when i cant find my glasses! im sooo old! up till silly o'clock sorting order but all have been sent and all paid for ! yay me! got my next lot of books out.

tomorrow have a visit from a good dear friend and she is taking me out! yay for her!

OH - is good and trying to negotiate a more flexible work arrangement now that he is proving his worth!

dmp = we are passing on this - thinking we might be able to squeek though... oh yes and reduce a loan down from 5100 to 3900 this month! yay for me!

iva - double passing on this

cyprus on market - heard nothing but will be slow

rest of life sooo busy - head spinning round at speed - in danger of falling off.

so forgive me peeps if i havent posted on the odd day - i still love u all! xx

mood: encouraged!x

Karmacat

Coo....... just hopping back onto your thread for a looksee, and it sounds like you're doing great! Well done you. I do know what you mean about tiny print tho - one of my best mse ways of making money at the moment is free bingo, and I *cannot* read the print of how many balls there are to go - its cream on light grey, absolutely mad, and it can't be enlarged :rotfl: the things we do for money, hey?

OTOH, I might finally be about to start selling little bits and bobs on ebay - the 99p stuff...... I'm just waiting for my ebay account to be linked to my paypal account, and I'm also working on getting ready to take photos......... oh joy. Off for a walk round the block to get the blood flowing before its dark.

Onwards and upwards..........

mrscmr

yay for karmacat ... join the 10 a day ebay challenge thread! motivational and encouraging!

x

mrscmr

another busy day at the mill! well i dont really work at the mill... just at the mill of life!

house really needs sorting - ebay in 2nd meltdown of the week! tomorrow OH is home! and its friday

mood:upbeat

Karmacat

:oI think I tried to join that challenge originally when it was ebay/ebid - it was me that suggested ebid, because ebay were still charging for all items sold, and I was convinced my tut wouldn't sell. Well, it certainly didn't sell on ebid....... mind you, SF magazines don't seem to sell anywhere. I've decided to do creative things with my Christmas cards this year, and give up on selling them.

I've never been one for **things**, apart from a few years collecting SF stuff, so I don't really have that much to sell. But I'll try! I've ironed a sheet to use as a plain background for the photos....

mrscmr

good luck karmacat!

bluebag

mrscmr wrote: »

another busy day at the mill! well i dont really work at the mill... just at the mill of life!

house really needs sorting - ebay in 2nd meltdown of the week! tomorrow OH is home! and its friday

mood:upbeat

Cor, I can feel the speed heat friction from here!!! Good for you going for it. Do a 'flylady crisis clean' can't recommend her enough, before OH gets home. Then you'll have a little together time hopefully. Keep on keeping on, your making a difference all right.
bb

savingholmes

Thanks Chev for the congrats - yes we will be able to breathe a bit better - and we have had various car and motorbike bills this month so the money will be doublely handy once I start getting it around end Nov!

MrsC I am so glad that things are improving for you again and that you think you will be able to squeak thro afterall! Fantastic news