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Wow, PaF: things are looking good - well done on such a positive attitude. Long may such good times prevail.Please call me 'Pickle'
No More Buying Books: ???
No More Buying DVDs: ???
NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
Proud to be dealing with her debts 1198~
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Have just read my last post and nothing has changed in my head. I intend to succeed and cope with the challenges that come my way and this week there have been three that have thrown me temporarily! First, one of my orders was delivered and when i came home to sort it out there was a note from the parcelforce guy explaining he had to return most of it because it was damaged and something had leaked over everything. Then, a second order was not released on the day it should have been, I had an email saying it was being held and it transpired they had me confused with another distributor. so instead of getting it on Friday , I am still waiting for its arrival. Then on friday I had another fall this time at home in the lounge. The trouble was my dd saw me on the floor and started weeping and calling my name thinking I had really hurt myself or worse died and I have to say her weeping was the worst thing about it all. As it happens, I have this time hurt my left side which is my disabled side - which is better that side is hurt than my good side as at least I can still use my stronger side!! - and my right shoulder blade. Just rested yesterday, and today we are going out with a friend for her dd's 8th bday party and then will be home getting ready for next week. Am just trying to forget its happened, whats a few more bruises!!!, I still have the grazes from the last fall, they are still yet to completely heal. I will be able to become a dot to dot soon!!!Am due an appt with the Disabled parents network and will be pushing for this to happen sooner than later after my fall. If I qualify for help, I need to get it I think as long as I do not have to make myself out to be worse than I am in order to get it and as long as I can still work, not be told Incapacity Benefit is the only option in order to get the support. I know what it was re the fall, I just seemed to spend last week rushing around delivering what i could to get the money in, and I got over tired. I am sadly at present behind with my mortgage payt as a consequence of the disruption re my deliveries. I planned to tel the bank yesterday but felt so rough after the fall the eve before I just couldn't face it. Dd and I spent the day in our dressing gowns!! I know Ill prob end up crying down the phone because I am disappointed that it is the way it is. I was so sure I would be ok this month. Am working hard not to let the self doubt come in, this is a blip thats all. To that end I read a bit of 2 fab books called "Chicken Soup for the Soul" and "Chicken Soup for the Woman's soul". Highly recommended. This is what I read this am, "If you don't go for your dreams, no one will do it for you. You CAN have what you want." then "Far away in the sunshine are my biggest aspirations,.. I can look up and see their beauty,believe in them and try to follow them." Yes, so what if Ive fallen, I have just got up again, so what if I will be a week behind with my mortgage, it will be paid the end of this week. Everyone else is up to date and my projections towards the end of feb is that whilst it is tight all bills inc Feb mortgage will be covered. Ebay is going well, I have items due for sale in the local auction this month. I am planning to be ahead of myself. Sales are consistent, team building not really happening yet, however that is in pipeline. I thank on high for not breaking anything in my fall, and will just keep going to achieve my dreams and goals. Must go and tidy the house, it needs a good old hoover and that will have to do this week!My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T0 -
Must admit like you I am always so so pleased that I havent for many years broken anything when I fall.
Keep plodding & take lots of care xxxI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Hi P&F - Not been around for a while but just caught up with your diary - you are doing so well and managing to stay so positive with everything you have to contend with is a feat in itself - I have been feeling rather down with myself of late, but reading your diary has made me see that if you can be so cheerful and thankful then so can I. I hope you and DD have the wonderful 2011 that you deserve
with love - Miss O xEmergency Savings Fund - £11002015 Mortgage overpayments = £0 -
POSITIVE_AND_FOCUSED wrote: »Have just read my last post and nothing has changed in my head. I intend to succeed and cope with the challenges that come my way and this week there have been three that have thrown me temporarily! First, one of my orders was delivered and when i came home to sort it out there was a note from the parcelforce guy explaining he had to return most of it because it was damaged and something had leaked over everything. Then, a second order was not released on the day it should have been, I had an email saying it was being held and it transpired they had me confused with another distributor. so instead of getting it on Friday , I am still waiting for its arrival. Then on friday I had another fall this time at home in the lounge. The trouble was my dd saw me on the floor and started weeping and calling my name thinking I had really hurt myself or worse died and I have to say her weeping was the worst thing about it all. As it happens, I have this time hurt my left side which is my disabled side - which is better that side is hurt than my good side as at least I can still use my stronger side!! - and my right shoulder blade. Just rested yesterday, and today we are going out with a friend for her dd's 8th bday party and then will be home getting ready for next week. Am just trying to forget its happened, whats a few more bruises!!!, I still have the grazes from the last fall, they are still yet to completely heal. I will be able to become a dot to dot soon!!!Am due an appt with the Disabled parents network and will be pushing for this to happen sooner than later after my fall. If I qualify for help, I need to get it I think as long as I do not have to make myself out to be worse than I am in order to get it and as long as I can still work, not be told Incapacity Benefit is the only option in order to get the support. I know what it was re the fall, I just seemed to spend last week rushing around delivering what i could to get the money in, and I got over tired. I am sadly at present behind with my mortgage payt as a consequence of the disruption re my deliveries. I planned to tel the bank yesterday but felt so rough after the fall the eve before I just couldn't face it. Dd and I spent the day in our dressing gowns!! I know Ill prob end up crying down the phone because I am disappointed that it is the way it is. I was so sure I would be ok this month. Am working hard not to let the self doubt come in, this is a blip thats all. To that end I read a bit of 2 fab books called "Chicken Soup for the Soul" and "Chicken Soup for the Woman's soul". Highly recommended. This is what I read this am, "If you don't go for your dreams, no one will do it for you. You CAN have what you want." then "Far away in the sunshine are my biggest aspirations,.. I can look up and see their beauty,believe in them and try to follow them." Yes, so what if Ive fallen, I have just got up again, so what if I will be a week behind with my mortgage, it will be paid the end of this week. Everyone else is up to date and my projections towards the end of feb is that whilst it is tight all bills inc Feb mortgage will be covered. Ebay is going well, I have items due for sale in the local auction this month. I am planning to be ahead of myself. Sales are consistent, team building not really happening yet, however that is in pipeline. I thank on high for not breaking anything in my fall, and will just keep going to achieve my dreams and goals. Must go and tidy the house, it needs a good old hoover and that will have to do this week!
Poor you and your DD. What a sweetheart she is and I hope you recover from your fall.
Sorry about your minor setbacks and look after yourself as it seems to be getting colder again.Overpay!0 -
Well, just a quick update. Had yet another fall in the house on sunday eve. Really did myself in. Dd saying "Are you going to die like daddy?" What do you say to something like that?"No darling, please don't worry." Im alright. Nevertheless, it shook me up, 2 falls in 2 days, not good. Dd gave me the once over to assess any wounds!. Bless her! have been still working this week. The good news. I will be upstraight with mtge next week and the mortgage co are fine with that. Everyone else is paid. Re Kl £400 worth of orders so far this week and expecting to get at least £500 tomorrow. And the Disabled Parents Network is meeting with me next Tues, assess if there is anything they can fight for on my behalf to help support me. In meantime, staying p and f. I need to get through to the end of feb with everyone up to date, that is the mortgage paid on time, and I will be so elated. Back to where I need to be, not having to make any calls and moving on confidently and worry free. Was thinking to myself whether to write to my credit card lenders and see if they will reduce the interest rate Im paying. Nothing ventured, nothing gained! Am passed caring about my credit rating, I dont intend to apply for debt ever again, my vision is to owe nothing to anyone. Have supper on in the slow cooker, placed an order today, have received another order which Im just about to sort out and deliver. Then get ready for tom and time allowing after dd in bed do a bit of ebay.... if im not asleep the same time!!!! Thats me for the mo!My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T0 -
Well, this week has been tough, and I had plans to do so much today yet here I am still in my dressing gown barely just doing the washing! Still need to make appt with doc to register the falls, just couldn't face it this week. They are after all a blip in the scheme of things...please! Dd happily playing in the lounge as I type. Did over £800 this week, have 242 books out of which 152 to customer base. So, need to do a letter in a tick, want to load some things on ebay and need to make a crumble for pudding later. A friend has invited us round for supper, the least I can do is the pudding! So, letter, ebay which Im limiting to 1 hour, washing, hoover, clean loo, get dressed, crumble, go to friend round corner! Oh, and a cuddle with my dear dear dd who is just so wonderful! Have an early night. Thats the plan for today. Tom, get prepared for Mon, bake some cakes, see a friend in hospital, then go to my mum and dads for supper! Haven't seen them properly for a month. Home and then ironing before bed! All IS well! Onwards and upwards...My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T0 -
Keep plodding & have a good weekend.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Well, dd off from school today. Both she and me are v tired after being awake for what felt like much of the night. Poor thing, tickly coughs are just so annoying! So, just going to have to play it by ear with work till shes better and back at school. Am thinking if I cant get my deliveries done then at the wekend dd should be much better and I could see if a friend would have her while I get all of them done and cash collected then I would just have to pay my mortgage off on Monday, poss Sat if I can get them done in time before bank closes instead of Friday as has been agreed. Will see, might not come to that.. Other news, met with the most lovely lady from Disabled Parents Network, she thinks she can help, is going to look into a variety of things for me. She covers a large area, is disabled herself and confirmed I would be her only "client" who works and has a mortgage as oppsed to renting and living off Incapacity. Also said that it would be v likely I would be better off financially if I didn't work with the benefits out there that I would qualify for but Ive explained that isn't an option for me. I can work, I want to provide for dd and demonstrate to her the importance of never giving up and doing your best, I love my business, I've worked hard to build it to where it s today, I want to keep my home, and I want to enjoy my independence all the while I can keep it. All I need is a little help to be less tired, thats all but I would decline help if it had to be I no longer worked. She completely understood where Im coming from, we got on really well and so time will tell, but just maybe there will be something.... and that can only be helpful to dd and me. So, once again a very dear charity is holding out a hand of support and has confidence in me and enabling dd and me to feel confident about our future. Thank you! Next task..ebay!My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T0 -
Heres hoping she can come up with something for you :jI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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