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Massive debts

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  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Must, must, must sort out the Wescot HBOS overdraft today - but all that after I make my cuddly son boiled egg and soldiers for breakfast. It's tough at the top ;).
    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
    All the Xmas Shopping is done with the exception of a few bits for Cole, and Alan's 2 brothers but they should be fairly straight forward - so simple even Alan could do it ;).

    Also leaving Alan and Cole in charge of putting up the Christmas tree - now seeing as this will be my last Xmas tree in this house, I really want it to be done to last year's exacting standards. My tree is perfectly co-ordinated with my decor - I suspect will have to "fix" it when I get back.
    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
    Have just received nothing exciting from the Postman except a £15 Beaverbrooks gift card randomly. Will ask Hubby to get me a Thomas Sabo C charm for my bracelet - meaning he will only have to pay £10 :D.

    I will officially be a bargain bird who gets lots of lovely gifts this year - he has £50 John Lewis vouchers to buy my perfume with and now just a tenner to buy me a new charm for my bracelet. That man doesn't know he is living! ;).

    Nothing much else to report - off to concoct a suitable plan for Wescot and the smaller HBOS overdraft - will report my actions later. And a little bit of ebaying to pass the time. Waiting on my hubby to phone so I can eat humble pie mmmmmmm.
    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
    bonsibabe wrote: »
    :rotfl::rotfl::rotfl:Lol my driving is dodgy enough without me crossing my eyes hee hee hee

    Fingers and toes are crossed accordingly hun hope you get it so we can all watch ya on the telly:T

    Maybe I could get you all to record one of those tearful "don't go" videos then we could all be filmstars :rotfl::rotfl::rotfl::rotfl:.
    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
    Have listed a couple of items on Ebay - waiting on hubby getting in from work, he tells me he has G Star jeans and a Lacoste jacket for me to list! Yay hey! Also have looked out the care cards etc to relist my Fendi bag. The River Island parka I sold for £29 well the bidder hasn't paid - so off to open a case against them:mad:.

    Also have a Lacoste pashmina to list (starting to get an idea of where the debt came from people?!:rotfl::rotfl::o).

    Still deciding whether to list my much loved Mulberry bag and purse - can't see me needing them in Oz:p - but I do love them dearly. I'm frightened to list them in case I regret it. Let's me honest replacing them just doesn't figure into my MSE budget:o.
    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
    Still haven't tackled Wescot though - putting it off til nightshift (I do my best line in wit with an edge of sarcasm at 2am). Still have no bank booked for next week. Will check the folder tomorrow morning - pray for me people!!!
    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
  • bonsibabe
    bonsibabe Posts: 1,055 Forumite
    gargrave50 wrote: »
    Maybe I could get you all to record one of those tearful "don't go" videos then we could all be filmstars :rotfl::rotfl::rotfl::rotfl:.

    :jI would happily record a video for you hun! Although it may not be a "don't go" one ... it may be a "go so we can all have our hols in Oz" ones :rotfl::rotfl::rotfl::rotfl:

    Postie arrived here today ... mmm a couple of sarcastic letters on the way from my humble abode next week!!!

    Glad to see fleabay is doing well for you ... my skanky magazines didn't sell but am going to hunt out the rest of the star trek ones and list just them ... looks like no-one wants my vision ones ... off to the recycling they go!;)
    LBM - August 2008 - Debts then - £33390 :eek:- 2nd LBM - November 2009 - Debts then - £18500:mad:
    Current debt levels: OD £3860, Loan 1 £6091, Loan 2 £5052, Parents £260, Total £16133 :eek: As at 01 May 2012 - 51.69% paid off :j
    Aiming for a No Spend Christmas 2012!
  • Oh wow i've missed loads! I hope the barclays is good news then! You'll be debt free in plenty of time before you fly off to oz!! And good luck with the 'wanted down under' thing i used to be addicted to that programme......wishing it were me moving there!! :D how exciting!

    How much time are you getting off for xmas? Hope you get a fair bit to spend with cole & alan :)

    xx
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • Hey you really are on a roll!!!!!!
    Keep up the good work i really need to start they way you are going on. Have no motivation at the moment need a plan...
    Mum 30k/29000
    BC1 11500/11300
    BC2 10500/10300
    BC3 6500/6400 NW 950/800 Next 600/450
    Here we go a again!!!:mad: DFD Oct 2016 hopefully!!!
  • you go away a few days and someone thinks they are Ridley Blummin Scott and getting everyone to make a film.

    As for wanted down under, thats fabulous. As long as its the TV prog and you arent doing your perenium tapestry on an ad hoc basis these days.

    Glad things are still peachy me love.x
    Trying to shift that debt!
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