dottyanne's debt diary

Pobby

Hi dotty.Please let us know whats happening love.

*zippy*

Hi Dotty

I have sent you a pm, but want to say great to see you back. Glad things are looking brighter for you, hope you enjoy your few days off.

zippy x

dottyanne

I'm ok folks - new year new start - literally - increase in wages means on the up but taking time to settle into new money management routine and got to sort out things like tax credits and the like so im getting the right amount! Feel a lot more positive now than ever - how's everyone esle doing?

dottyanne

bumpety bump

lynzpower

morning darling!!

I must have missed you, I thought youd vanished into the abyss, either that or you were working so hard you forgot us!!

Update from me, well weve finally moved house. OMG it was so unbelievably stressful. But we love the new place and the rent is like 400 a month cheaper than what the mortgage was going to be what with all these interest rate rises and so on. The house is gorgous ( despite the boxes everywhere and residial dirt) you wouldnt believe how much stardrops weve used LOL

Other good news, Ive got a new job as a trainee estate agent, starting in feb. I just cant wait, Ive been so desperate for a new start and this is it.

Healthwise I feel fab! I jsut hope I dont have another bout, but I feel so amazing compared to how I felt in the summer. :T

What job are you doing? Hope its all going well??

dottyanne

Hey Lynz !! Job's fantastic - sales executive - omg - you're saving so much on your housing costs - thats great!!

How's the debts - gone or going? Mine sort of stood still - though i do feel i will make a huge dent this year with having a guaranteed income each month !!

Good news about the job - r u excited? Sounds like 2007 maybe the year for both of us hun!!

Love dotty xx

dottyanne

Pobby wrote:

Hi dotty.Please let us know whats happening love.

Hey pobby - things r on the up and up - no longer self-employed - now 'as my dad puts it' - just another number - but boy does it feel good!!

how r u? long time no hear eh?

dotty xx

Pobby

Doing good thanks dotty.Really pleased how things are working out for you.Also pleased for lynz that things are going in the right direction for her.Dotty,what happened to the shop----have you got rid of it?Also what is hubby doing now?

karry1412

I've spent the past two days (not continuosly!) reading through all these posts & I just wanted to say well done!! You've come so far & I agree: 2007 will be your year

Karen x

dottyanne

Hi Karen

Thanks for that - altough January has been a little slow - I've still managed to clear some bills and debts that unless my OH and me hadnt both gone employed instead of S/E - there would have been NO way we could have paid - my son's school trip of £130.00, my book-keepers fee (for doing s/e books for 05-06) of £275.00 and car repairs of £150.00.

February is gonna be a little bit tight for us and i do still have some financial sorting out to do but i feel like im making all the right moves - am having a review with the CCCS regarding my payment plan at the end of Feb, it maybe that i can afford to pay more off altough I will be adding some debts on from my self employment.

Have sent preliminary request for charges back from The Royal Bank of Scotland, and am preparing to do the same to my business account at Lloyds TSB.

All in all - i think 2007 will be a positive turning point for me and my family - i made some big and tough decisions in 2006 and have NEVER been under as much stress in my life - but its all coming good now and i'm feeling more positive about things.

dotty xx