Loved life a wee bit too much!

BEAT_THE_DEBT

83P for i can can of coke!!!!!!!!!!:eek::eek::eek:
And yes like a fool i paid it! I did ask her where her balaclava was as it was day light robbery!!!! And it was a hospital shop!!!
Anyway hi how are you all? Bit of bad news we have had to ask hubs cc's to take min payments as i was commiting the most cardinal sin and paying cc's over utilities!!! 2 years on and i am still dull doh!!
Anyway the were prety good so we are paying a set amount for 6 mths as we were getting no where. They told us our credit limit would be affected and yes i know its good to have a good name so to speak but really? is it the end of the world? NO!!:shocked:
There will come a day where it will come right eh?x
Had a lift to wk today to stretch my petol till fri! And ds off school poorly this week so saved that dinner money bless him.
Ds has overtime this week to so that will help i dont know which debt to attack first prob overdraft?? Or i think i will build up car tax/repair vets fund first??
any how speak soon love btd!!

REDMADCURLS

Sorry BTD I missed you question..............I am going to classes, I need the disicpline of the humilation. Have just swapped over to pro points in New Year. I put 1lb on over Xmas and another 1lb last week but I have been very disciplined this week, noted everything I ate and weighed all my food. I had no idea I used a pint of milk at day (I drink a lot of coffee) and also 150g of spuds, a medium portion is minute!!!! (How Irish am I)

re what to pay first. Have you 'snowballed', it works out the best thing to pay first. However, in saying that I have choosen to pay DH's biggest cc first, which is the second highest % but the biggest balance (£8000). Others chose to pay the smallest first because it is a great motivation. You decide!

BEAT_THE_DEBT

Hi all, well things have come to a head with hubby's cc's and we made the very very difficult decicion to go on a self dmp with them.:(
And i have to be honest they were great.
I am a bit dissapointed but it was getting to the point where we were going without what we needed food wise.
I know there will be an impact on credit rating basically we will be unable toget credit for 6 yrs plus but do you know what i can sleep at night with that thought. how i was going to pay everyone did not make for a peaceful nights sleep.:eek: It really was starting to affect my health.
I ebayed 4 things and got £17 so that will go in to car repair/tax pot!
Hubby working today 12hrs in 2nd job bless him,and i have worked in my secomd job enough to pay car tax on hubby's car this month so yey to that!:T.
DS has a friend coming today so i am going to do some spring cleaning i have my star drops at the ready!!!!!:rotfl:
Hope your all well my lovely mse friends. Speak later
BTD:A

REDMADCURLS

BTD there is no point in worrying yourself sick about the debt and if you did that you wouldn't be able to work and then you would be in much worse trouble so well done you for having the insight to see this was the best way forward for you and yours!

Enjoy the cleaning - ugh!

BEAT_THE_DEBT

Thanks red,xx

mum2one

You've done the best thing, as RED said, and totally agree, theres no point worrying yourself sick, you have to put u and hubby 1st. Glad that they agreed to it ok and without any hassle. They must know better than to mess with you xx

InaPickle

It's just not worth your health, BtD. Do what you have to. And as you said 'I don't want any more credit anyway'.

BEAT_THE_DEBT

Thanks guys. I am sleeping so much better now.x Goals for week ahead are to 1: lose a pound (fat not money lol):rotfl:
2: do 4 hrs in my second job:T
3: build some flexi in main job
4:only have one bottle of wine.:A
5:fill and return statement of affairs for cc's.:o
Hubbys work didnt pay him his overtime so we should have a nice pay this week to catch uo on council tax and water:eek: see i let that slide paying credit cards (should call them debt cards!!!!!!!!).
Off to mt t's for pack lunch things now be back later to catch up on your diaries.xx
BTD:)

BEAT_THE_DEBT

Just when you thought it was safe to breathe my car broke dead no way back i am sad.
goodnight.x

REDMADCURLS

Oh no..................are you sure it cant be fixed.

Bummer, crap, poo....................there is always something.