Fresh tax year fresh diary ( i cant locate my other one) :D

Happytogetdebtfree

Thanks jwill I've had good new my bro is angry at the intrest rate of a credit card he's helping me out and he's letting me clear it fully before paying him back intrest free the relief that we can really get moving and hav something at 0% is mega!

Woowoo

That really is fantastic news Happy and will make a massive difference to you x

Happytogetdebtfree

The 2000 loqned by bb has been paid off the virgin so i have deducted it off my signiture becasue i was so excited to although its 2k of debt to bro but when i pay him that will now not come off so it should mean the virgin card all 4800 will be cleared totally by april may and brother will be paid august yay that means i can really make some dentations and im really really pleased that so mr branson if your watching kiss my haha

Happytogetdebtfree

Ohh that means if i stick to my plan and utilise the money correct we should pay another 1491.87 off after intrest so that would mean my siggy goes to 4248.37 paid off woo woo meaning my amount o/s will go to the 51 k bracket or 51553.91 to be precisie yay yay yay anything to keep the mind fooled and the positivity fuelled lol lol

Pippajo

Yay for BB :j. What a lovely generous (ok you have to pay it back ) gesture. The interest saved is tremendous and will really give you a kick start for 2011.

I've hardly been on here but the decorating done apart from a few touch up bits and chosing where to put pictures.

I need to get my MSE head back on for next year and try and come up with ways to make more money without taking me out of the house too much. I've been doing the bingo for Amazon vouchers, so will have to decide whether we stash them and use them for bits when DS goes to secondary school or if we use them for treats as a good DVD goes a long way when you are at home and bored.

Happytogetdebtfree

pippa my best saving money tip is a website called let me watch this dot com, you can stream films that you would rent at bb its what people have put on to share dont get me wrong people put films on that are at cinema but they are crap .... however my friend told me she chopped her sky movied connects her cpmputed to tv and searches upto date blockbuster dvds and watches and its a nice treat i suppose pippa my bb doing this means we have saved well 2000 at 30 % to virgin is nearing 600 quid in intrest its disgusting and i hope one day i can do the same for him which i doubt he will need but i cried last night because i finally thought this is my chance to prove to me and oh that we can really do this we arent seeing hundreds on ointrest we have seen a big chunk gone just like that it really gives the motivation needed knowing im a payday from been into the 40s....
well done on the decorsting front makes you feel much better inside and you dont feel like all life is juggling nice to see you anyway if i dont see you over xmas on here have a wonderful xmas and new year and lets make 2011 a year of changes ! xxx

Pippajo

Thanks for the tip I'll head over and have a look.

The decorating has my sisters seal of approval, which is liked getting the queens! DH said last night, did you know we have mould in the porch, I asked him to show me and told him the paint had been marked like that for years, hence me wanting to get it done before DS has a sleepover in Jan - you should have seen his face, he must have only ever walked in and out with his eyes straight forward or wearing :cool:!

I think we will need a few challenges to keep each other going, although ebay is pretty pants now as them and paypal take a huge cut. We do have a few decent local car boots and I have a loft full of stuff (unless a 2nd baby decides it wants to join us, we are trying but no joy yet) Another reason to get some money together!

Here's to the coming year of up and downs, tears and smiles, and fun. With you all the way :kisses3: x

Woowoo

Morning Happy

It's so lovely to hear you sounding so upbeat and ready to tackle 2011.

Your figures are looking good love x

Happytogetdebtfree

Im ready to see it through i want to really show that that 2k has made the difference its all ive wanted some 0% credit just to feel as if im making the difference and proving to myself its not just an excuse to sit back and tick along iyswim ... pippa im sure baby no 2 will show up anytime soon im not trying but the reason i want some of the numbers down is to make it a little more comfortable if a baby comes along etc ..

woo woo this year we can really do it yay to 2011 and its not even here but i can feel that good things are coming and i can not wait to give richard branson the middle finger thanks for the help but no thanks !!! xxx

Pippajo

2010 was not what we had hoped really, was it .

At least we are prepared for the year ahead. I've just got to try and decide what to hit first. I never had a ricardo thank god! I have a small loan which has under £1k on it but a few years left to run, maybe that could be my first target ((((bring back the shruggy smiley)))))). I'll have to check the numbers.