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Hypno's approach to life, the universe and debtbusting.....

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  • beanielou
    beanielou Posts: 95,677 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    My £20 is still intact :)
    Take it I can raid the coppers pot for a Freddo bar though??
    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.
  • becky_rtw
    becky_rtw Posts: 8,393 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    No that has to come out of your £20!!! :p
  • beanielou
    beanielou Posts: 95,677 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Nooooooooooo becky!!!!
    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.
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    Chocolate = non essential therefore out of your £20 :p


    Can't believe I just wrote chocolate was non essential. Please forgive me oh great and wonderous cocoa and sugary treat :A
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ShelleyC wrote: »
    Chocolate = non essential therefore out of your £20 :p


    Can't believe I just wrote chocolate was non essential. Please forgive me oh great and wonderous cocoa and sugary treat :A
    :rotfl::rotfl::rotfl::rotfl:
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    taka wrote: »
    Another soon to be ex 0range customer here too... :hello: :mad: Not impressed with the increase letter I got yesterday- 57% in my case! :eek: I've spent the morning trying to decipher the lingo and my head hurts... !!!!!! are LLU's? :wall: Did you find any good cashback anywhere?

    Good luck with the China money juggling! :eek:

    o2 seem to be very good, especially if you are a mobile customer. £50 cashback too. This would be our preferred choice if we lived somewhere other than the most dated telephone exchange area in the world.....

    BT option 1 was also £50 cashback but more expensive each month - still cheaper than orange is going to be though.....so I think that is where we are going to end up.

    Freddo frogs - def out of the £20.....
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    chewylouis wrote: »
    Hi As one of my debts I have a joint account I have been using in mine and my husbands name. He is now aware of this (not happy) as he has perfect credit history! i would like to remove his name out of the equasion before I deal with my debts as I do not want to drag him down with me. Does anyone know of anyway to do this as my bank won't give a larger overdraft to clear the one on the joint account. Also if i decide to go bankcrupt how will this affect him?

    I can answer the simple question re names on bank account, he just needs to write to the bank stateing he wishes his name to be taken off the account.
    sorry can't help over other parts xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    My £20 got broke (sob sob)

    Took dd to the theatre - £5.00 for the programme, then £3.50 for tub of icecream for me, and magmum for dd......£11.50 left. x
    xx rip dad... we had our ups and downs but we’re always be family xx
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    One student cheque has arrived.......typically, it is the smallest one :rolleyes: But at least it will cover the cost of the car being done.....
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Surfbabe
    Surfbabe Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    84 scones made - mustn;t rain as marguees going up tonight

    glad one cheque has arrived hypno
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