Notice to newcomers - part 5

Numpty_Monkey

Nargleblast wrote: »

Good evening all, recovering from 3 extremely manic night shifts in a row, off for rest of week to recuperate or should I say catch up on all the household stuff that hasn't been done? Have also got letter re IVA annual review so have got to sit down with paperwork and do a new budget for next year. Oh well, only 4 more years to go till I get my name on that DFW Roll of Honour!

I thought you was on a DMP Niggle:o
Hope the review goes ok:A

you'll still beat me to the DFW Roll of Honour:D:D:huh:
My debts are in dispute now (thanks niddy:A and fermi:A)
if that goes elbow over apex, I'm not far off the DRO levels:cool:

Tixy

:mad: Grr to the test or lack of Numpty - now you make sure you do your homework at the weekend, you is a bit old for detentions now:p. We'll remember to [STRIKE]nag[/STRIKE] remind you at the weekend.

Nargle, glad to hear you now have a bit of time off, remember its okay to take it easy, the housework isn't going anywhere!

4years is probably sooner than me as well , hope the budget isn't too bad to do.

Tixy

BUMPity BUMP

solventsoon

Hi everyone
Numpty - you're probably right, they're not organised enough to play any sort of game:mad:. We can't have you getting any detentions now, so you'll have plenty of encouragement (aka nagging) to do your homework at the weekend - and don't think you can hide from us either:D:D.

Nargle - good news about time off. Tixy's right - housework can wait, put your feet up and take it easy for a bit. Good luck with the paperwork and budget.

Night all

niccatw

You just beat me to it Spoon!

Sorry for my conspicuous absence when we are so short-staffed at the moment ! Spent day with pregnant friend who is having a horrendous pregnancy and has well and truly terrified me . We are thinking we should send her around the schools (altough she can hardly walk).

Housework? I thought you were just supposed to sweep the room with a glance?

solventsoon

niccatw wrote: »

You just beat me to it Spoon!

Sorry for my conspicuous absence when we are so short-staffed at the moment ! Spent day with pregnant friend who is having a horrendous pregnancy and has well and truly terrified me . We are thinking we should send her around the schools (altough she can hardly walk).

Housework? I thought you were just supposed to sweep the room with a glance?

Gotta be quick to beat me, nicca.
We'll let you off for your absence today, sounds as though you were a great help to your friend:)
Love your comment about housework!:rotfl::rotfl:

Numpty_Monkey

Good morning all

Nargleblast

Good morning everyone and thanks for good wishes re IVA budget. I was originally in a DMP, and so was OH (both having been financially irresponsible and solely to blame for the deterioration in society today as well as the rest of you debtors on here!;):D:p)

Then OH got fed up of all creditors hassling him - he was about 10 months further on in his DMP than I was in mine, and the hassle was wearing him down. He then looked into an IVA and persuaded me that we should go in for a jointly managed one - I had my doubts and reservations at first but after long talks with the good folks at CCCSVA agreed.

So far it has gone ok - budget tight but at least we have a date in the not too distant future where we will be debt free. We will have paid off a substantial amount of our debts (not quite all but our creditors would get booger all by chasing for bankruptcy , and DMPs would take over a decade to finish) and I can plan to get some extra money paid off the mortgage before our fixed rate deal ends in 2020. So there is a game plan, and hopefully it will come to fruition.

Hope those of you in debt are coping ok with your chosen method of repayment - I gnash my teeth when I see how much goes out of my monthly wage in debt repayments, but I have to take some of the blame for my financial shambles and get on with it, as we all do.

Have a good day everyone.

Tixy

BUMP and good morning all

I knew you were on an IVA Nargle, and knowing what a smart lady you are I knew you'd have done lots of research and made the right decision for you.

Sometimes I think I'm only playing at being a DFW, I do want to be debt free but I've chosen to take a slower route than some and allow myself a bit more in treats and luxuries than some do. Still everyone has to do it in their own way I think.

Tixy

pania wrote: »

Hi everybody.


Over the last few weeks we have had a number of "troll" attacks on the boards.

What is a Troll? A troll is a person that posts deliberately provocative, nasty or hurtful comments on threads. They may be a person with no previous connection to the board or someone that has created a pseudonym to get their point made.

If you should get a comment made on any thread you post asking for help and advice please realise this comment is not directed at you personally.
We really are all a lovely bunch here (oops, modest, sorry) so please ignore these nasty comments and continue to post here as normal.

what should i do if i get a comment made on my thread?

firstly do not respond to the comment as this invariably is what the person wants. At the bottom of the post, on the left hand side is a red "warning" triangle. Click this and then "send" the message that comes up. This will report the message to abuse who will review it's content and delete it.

The person we had this morning was particularly vile and nasty and please believe me is an extreme rarity here.
Above all PLEASE PLEASE PLEASE DO NOT LEAVE THE BOARDS. THIS SITE IS AN ASSET TO SO MANY, ESPECIALLY WHEN IT FEELS THE WORLD IS FALLING IN ON YOU. THERE IS SUCH A WEALTH OF ADVICE HERE TO BE HAD THAT THE COMMENTS OF ONE MUST NOT DETER YOU FROM AVAILING YOURSELF OF THE KNOWLEDGE HERE!!!!

It is testament to the work that martin has done and continues to do that so many people give their time knowledge and experience freely to others, without judgement, to lift people out of the depths of debt crisis

PLEASE DO NOT LET THE ACTIONS OF THE MINORITY RUIN THAT.


Kind wishes
P

Hello to all old and young, old and new. Especially for the newbies - please read the message above, the vast majority of people here want to help and offer advice to you. The very small minority who don't are trolls and should have rocks thrown at them. Please don't be put off by them.