We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Massive debts

Options
1227228230232233323

Comments

  • firesidemaid
    firesidemaid Posts: 2,136 Forumite
    Part of the Furniture Name Dropper Combo Breaker Bake Off Boss!
    i know this might be a bit belated but i would definitely use a letting agent, makes life soooooo much easier - it worked for me for 7 years. i hava a friend who only went to scotland from the westcountry but had tenants who just stopped paying the rent but wouldn't move out either - they had decided to let it themselves:(
  • PinotGrigio41
    PinotGrigio41 Posts: 4,213 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I cant wait for the next installment. I printed Chapter One out, sat down with a cuppa and read aloud to Mr Pinot ! By the time I got to the last paragraph I was in tears. This is probably the soppiest thing I have every written, but echoing what others have said , many of us arent brutally honest as to our situations on our first posts in the diaries for many reasons, mine was mainly fear of being identified. To be honest as the diary has goes on, I dont think I care that much anymore and more little bits of info have leaked out and I'm sure people could quite easily guess who I am if they try hard enough ! :rotfl:

    If you have every dared look at my diary Gargrave you will see that in my first post I credited you for giving me the courage to get this mess sorted. If it hadnt have been for stumbling across your diary and devouring every single word, gleaning tips, info etc etc , I think I would still be treading water now, or committed to the funny farm, instead of getting this mess sorted, so I need to thankyou soooo much for that and wish you and your family all the luck in the world when you finally make the move to Oz !

    Our stories and reasons for the debt arent particularly similar but for whatever reason I ended up quite emotional after reading !!

    I would love to read the first few chapters of your book, so I will pm you when I get a second if you dont mind xxx
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    I cant wait for the next installment. I printed Chapter One out, sat down with a cuppa and read aloud to Mr Pinot ! By the time I got to the last paragraph I was in tears.

    I feel the same way. After reading your diary I told my OH about it the following day and then found myself telling my mother snippets of it too the next day during our usual monthly long telephone chat, (free to call for an hour on weekends and we put the phone down after 55 minutes and then I ring her back). I can't do it every week as I'd not have anything to talk to her about and we so love our long chats. LOL. My OH seemed to find the bits I told him fairly amusing too and agreed with me that you should write that book.
    If you have every dared look at my diary

    I've just dipped into your diary Pinot and am currently on 5 January 2012. I am so sorry but I'm sitting here giggling at first you and then your OH managing to lock yourselves out of the house on the same day. I'm half expecting to see it happen again somewhere further down the line.
    If you have every dared look at my diary Gargrave you will see that in my first post I credited you for giving me the courage to get this mess sorted. If it hadnt have been for stumbling across your diary and devouring every single word, gleaning tips, info etc etc , I think I would still be treading water now, or committed to the funny farm, instead of getting this mess sorted, so I need to thankyou soooo much for that and wish you and your family all the luck in the world when you finally make the move to Oz !

    As I said before it is your story and your diary that has made me more determined than ever to sort this sorry mess out. I've not yet got around to starting up my own diary but know that it is coming soon. It goes without saying that I wish you and your family all the very best for your fantastic new adventure.
    I would love to read the first few chapters of your book, so I will pm you when I get a second if you dont mind xxx

    I pm'd you last night but for some reason the message isn't showing in my outbox so I'm hoping you got it. An offer to read your first chapters and some initial thoughts to help you on your way. I can see another Shopaholics book series in your diary.

    All the best for now - Grannyx2 :happyhear
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    nonnatus wrote: »
    Hello!

    I've not read the previous 400 odd pages, but something made me click on the last page of your thread and here I am! I thought you were a man to begin with, because of your user name :o.

    Your biography bit though, could have been written about ME, it's astonishing how similar we are! I assume you qualified as a midwife and that is the reason you're able to emigrate?? I got SOOO close to being a New Zealand Midwife, something I'd still love to do, before my marriage ground to a halt. I'm a single Mum now. and I'm a chef instead of a midwife at the moment (VERY long story :cool:). I'm fairly sure I wouldn't have enough points to get me even half way to OZ at the moment but it's my ultimate aim.

    I'm wittering a bit really and I don't know why I clicked on the reply button but I loved your diary and wanted you to know that I suppose. You write really well, you should definitely have a go at something commercial!

    I just wanted to say thanks for posting, your story sounds more interesting than mine! Australia was a dream for us, and look we are almost there!
    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
    I cant wait for the next installment. I printed Chapter One out, sat down with a cuppa and read aloud to Mr Pinot ! By the time I got to the last paragraph I was in tears. This is probably the soppiest thing I have every written, but echoing what others have said , many of us arent brutally honest as to our situations on our first posts in the diaries for many reasons, mine was mainly fear of being identified. To be honest as the diary has goes on, I dont think I care that much anymore and more little bits of info have leaked out and I'm sure people could quite easily guess who I am if they try hard enough ! :rotfl:

    If you have every dared look at my diary Gargrave you will see that in my first post I credited you for giving me the courage to get this mess sorted. If it hadnt have been for stumbling across your diary and devouring every single word, gleaning tips, info etc etc , I think I would still be treading water now, or committed to the funny farm, instead of getting this mess sorted, so I need to thankyou soooo much for that and wish you and your family all the luck in the world when you finally make the move to Oz !

    Our stories and reasons for the debt arent particularly similar but for whatever reason I ended up quite emotional after reading !!

    I would love to read the first few chapters of your book, so I will pm you when I get a second if you dont mind xxx

    I don't mind AT ALL! In fact hurry up and PM me your email address and it will be on its way!

    I've been so taken aback by all the lovely comments since I bashed down that first bit! Proper update in a while.
    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
    I have emailed the 2 who sent me their emails (hey I do confidentiality - haven't even mentioned who they are ;)). However, my iphone is doing some weird stuff so let me know if it doesn't arrive :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
  • jasperconran
    jasperconran Posts: 756 Forumite
    wow I have just sat and read your story. its amazing, your journey into debt sounds very similar to mine as we got a secured loan too :( I did the same as you about hiding stuff and to some degree my OH still burys his head in the sand lol. So I am self managing our dmp now, hes useless and cracks too often.

    But back to you, I have subscribed cos I cant wait to read more! your truly inspirational :)
    LBM: April 2009 - honest debt figure: Secured: £0.00!! (paid back april 2017) unsecured: £53117.48 (roughly):eek: back with CCCS starting again:(
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Hi JC

    Nice to have you along, thanks for subscribing.

    Secured loans are bad news, but then hindsight is 20/20 vision isn't it? Never mind, one day I will be rid :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
  • nonnatus wrote: »
    Hello!

    I've not read the previous 400 odd pages, but something made me click on the last page of your thread

    I've just done the same thing, and I'm pleased I did. The opening to your book sounds fab, congrats :beer:
    I will catch up with your whole diary as soon as I have time (got a shift at j!!! starting soon boo, would much rather read more of your story!).
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Hi please let me be lucky,

    Great name!

    Thanks for reading my little verson of my memoirs!

    Keep in touch xx
    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
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.