Fresh start....

mrscmr

yay for karen... sounds like u have ur zippidy doo dah back!!!

good to have a plan. i sort of dont have a plan. seem to be drifting a little at mo but we will see.

hope ur feeling ok - sounds like you may be little worn out and in need of sleep - hope that has passed now.

have a good evening, nice tv tonight with apprentice and desp housewives!
xx

Primula

Karen
Your plan sounds like a really good one to me. It's good to have goals to work towards. Stay motivated and keep logging on here, I know you said before you were trying to have a break off here for a while, but I think coming on here, even for 15 mins a day, is the best motivator ever!
Good luck.
P
x

savingholmes

HI Karen - small steps get you there in the end. Clearing £4K+ off your debt would be a great feeling - you might actually be able to get a better full and final settlement deal if your debt has been sold on too.... Keep saving and making the min payments in the meantime and at least then you start to have some options.

I am absolutely shattered too.... Hope you are okay!

jtr2803

I'm glad you are back and feeling much better

The plan sounds like a great idea, I know we talked in the past about PP and F&Fs (I feel like I'm speaking in a secret code!) but the achievement you will feel when you have saved that amount will be great and will no doubt spur you on to save/make even more!

I am hoping to pay my debts off by my 28th in March but I think that could be wishful thinking but we don't know unless we try eh?

Karen_30

jtr2803 wrote: »

The plan sounds like a great idea, I know we talked in the past about PP and F&Fs (I feel like I'm speaking in a secret code!) but the achievement you will feel when you have saved that amount will be great and will no doubt spur you on to save/make even more!

I am hoping to pay my debts off by my 28th in March but I think that could be wishful thinking but we don't know unless we try eh?

jtr2803 - i'm getting so annoyed with PP at the moment that if I do manage....sorry when I have saved this money I will look at sorting things myself. Even if I don't I think I will just say a relative has given me the money to pay off some debts in full and that the offer won't stand if I just pay off towards all....if you get me;) It is like speaking in secret code sometimes!!

Karen_30

Ok, time for a daily list me thinks.......

1. Check online banking and plan for the remainder of month.
2. Daily scratch cards.
3. Eat sensibly all day.
4. 30 mins exercise.
5. No spend day.
6. Chase up college prospectus again :mad: ....seems that they are having mail problems!!!

Anyhow, enough from me. Speak later,

K xx

mrscmr

hi karen
i love your lists ... they really make you think .. dont they?

i make lists too but then i lose them - duh!

i have so much to do and just cant be bothered!!!
must try harder

have a great day!x

savingholmes

Hi Karen - you sound like you are still doing very well - taking all the small steps that really make a difference!

Hope that the rest of your week goes well

Karen_30

Afternoon

Wow, what a lovely sunny day again. I can't go outside though as got myself a little sunburnt at the weekend....oops

Have had a lovely weekend in Southampton, it was great to have a carefree girly weekend without a care in the world....didn't give money (very naughty of me ) a thought, chilled out with numours bottles of wine and now need a super detox!!!!

Back to it from tomorrow though. Today is my day off and I am off to visit a friend and her little one later this afternoon which will be nice.

From tommorrow it's all about sorting life and money again....the joy :rolleyes:

K xx

savingholmes

glad you've taken some time to relax - we all need that