surviving recession!

robsmum_2

:T Hi all,

Was so encouraged by my first post last week onDFW board and support that have been looking everyday. More I look , the more I find and feel even more encouraged!
Please can I join the chats?
Today I contacted CO-OP bank (my bank) and they gave me suggestions for get how I can soon get rid of my Aquacard at 39% interest, change it to loan with them.
Have to sort some credit issues first!:mad: But had started dealing with that Monday!

Got free credit report and took Martyn's advice and checked everything. Only thing wrong was postcode, got that corrected. Contacted Electrol Roll services and half road has wrong postcode:eek: . Am I only one having credit problems??

Found out from you delightful bods how I can follow up with my family tree for free:T .

Please can someone tell me where to find daily scratch cards?

MY CIGGIE CONSUMPTION DOWN FROM 25 TO 6:j
(Debt as 22.3.09 Aqua 1310, CO-OP 1000, Capital 1 400, Catologue 115)

laura2481

robsmum wrote: »

Please can someone tell me where to find daily scratch cards?

indeed I can...click here for all sorts of info! http://forums.moneysavingexpert.com/showthread.html?t=1487085

Don't expect to get rich quick though- usually only 10p per day (per site) And don't be tempted to play bingo and loose your money like I do:o !

laura2481

robsmum wrote: »

MY CIGGIE CONSUMPTION DOWN FROM 25 TO 6:j
(Debt as 22.3.09 Aqua 1310, CO-OP 1000, Capital 1 400, Catologue 115)

ps well done on cutting down on the cigarettes! :j

pps To add a signature go to User CP in blue band above. Click it. Then click on Edit Signature on the left. Then, well, Edit Your Signature! then you don't have to keep writing out the info on your debts etc.

laura2481

Wow! That spam message was removed at the speed of light! Blink and you'd have missed it! very impressive

robsmum_2

Very impressed also how quick that went! Reassured also. Managed to edit signature:j

laura2481

Cool :j:j:j

laura2481

Next step in my DFW tutorial - working out your DFD
http://www.whatsthecost.co.uk/snowball.aspx
Go here, whack in all the numbers and it spits out your DFD. As the meercat says 'simples':D

laura2481

Of course, I'm assuming you hadn't found that link yourself. If you have, ignore me. I'll go stand in a corner and be quiet!:D

laura2481

robsmum wrote: »

Please can I join the chats?

Pretty much everyone on this board is friendly and nice (not so much on the other boards. People can be mean out there...)
This is my diary- I mostly talk to myself here http://forums.moneysavingexpert.com/showthread.html?t=1424407

This is a link to Blondiedebtfree's diary. This is a very friendly thread and we all chat and talk nonsense and support Blondie through her tough times http://forums.moneysavingexpert.com/showthread.html?t=1519263

but you can probably find a million other friendly people to chat to.

Perhaps start your own diary and post a SOA?

The options are, as they say, endless

I'm off to bed now as I've been on here ages and starting to go boz-eyed! Night night.

rubyslipper

robsmum wrote: »

:T Hi all,

Was so encouraged by my first post last week onDFW board and support that have been looking everyday. More I look , the more I find and feel even more encouraged!
Please can I join the chats?
Today I contacted CO-OP bank (my bank) and they gave me suggestions for get how I can soon get rid of my Aquacard at 39% interest, change it to loan with them.
Have to sort some credit issues first!:mad: But had started dealing with that Monday!

Got free credit report and took Martyn's advice and checked everything. Only thing wrong was postcode, got that corrected. Contacted Electrol Roll services and half road has wrong postcode:eek: . Am I only one having credit problems??

Found out from you delightful bods how I can follow up with my family tree for free:T .

Please can someone tell me where to find daily scratch cards?

MY CIGGIE CONSUMPTION DOWN FROM 25 TO 6:j
(Debt as 22.3.09 Aqua 1310, CO-OP 1000, Capital 1 400, Catologue 115)

Hi Robsmum :hello:

Welcome back! I see the lovely Laura (who got her well deserved 3rd star yesterday!) has already shown you the basics so I won't add anything at this point other than to say hello and good luck with it all! I'll subscribe to this thread and keep up with you so keep posting and let us know what you're up to.

Ruby xx

robsmum_2

Hi Ruby,Am going to start a diary as Laura suggested! Feel more encouraged now from I am wrestling back some control. Still got long way to go but lovely knowing so much support out there from REAL PEOPLE!
Got to get organised( am usually good at that) and going to start organising today. Look ou for diary. Love Anne.