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Massive debts

199100102104105323

Comments

  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    No surveys done last night:mad:. On the whole a fairly civilised shift for bank - easy money :D

    Here is hoping for the same tonight............
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Just found a random little £206.89 in my bank account - must have done a little nightshift bank I have forgotten all about!!:j
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • Tixy
    Tixy Posts: 31,455 Forumite
    gargrave50 wrote: »
    Just found a random little £206.89 in my bank account - must have done a little nightshift bank I have forgotten all about!!:j
    Nice :j:j
    (better than a lottery ticket that!)
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • having not read all of your post have you banged your debts down much over the last few years?
  • Have you thought about buying multipacks of diet coke when they are on offer and taking a can into work with you? When they are buy one get one fRee works out around 30p a can.
  • geoffky
    geoffky Posts: 6,835 Forumite
    gargrave,,can i just jump in and say well done on what you have achieved so far, you can proudly give yourself a pat on the back for not running away or hiding from the debt and its a harsh lesson to learn but one i am sure you never forget....good luck..
    It is nice to see the value of your house going up'' Why ?
    Unless you are planning to sell up and not live anywhere, I can;t see the advantage.
    If you are planning to upsize the new house will cost more.
    If you are planning to downsize your new house will cost more than it should
    If you are trying to buy your first house its almost impossible.
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Pinkbunnie wrote: »
    Have you thought about buying multipacks of diet coke when they are on offer and taking a can into work with you? When they are buy one get one fRee works out around 30p a can.

    I sure have and do that most times, however working 5 nightshifts you tend to use more than you think and it quickly runs out. I've been too busy sleeping to get up and do it all again that I haven't had a chance to get to the shops to get organised.:mad:
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    having not read all of your post have you banged your debts down much over the last few years?

    Implementing practically every trick on this site, saving hard, doing without and modifying how our income is spread drastically. I also used a little MSE know how and haven't ignored my debts - I have communicated regularly and made payment arrangements. Thankfully some creditors have given me full and final settlements for less than the total owed.;)

    It's been hard work and not always pleasant but mostly fun and challenging:T
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Nice little night in maternity triage again - being my own boss which has primarily consisted of doing all the surveys in my inbox :D
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    geoffky wrote: »
    gargrave,,can i just jump in and say well done on what you have achieved so far, you can proudly give yourself a pat on the back for not running away or hiding from the debt and its a harsh lesson to learn but one i am sure you never forget....good luck..

    Lesson learned
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
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