Snowmoredebt is getting sorted

Snowmoredebt

Thanks skint I will Defo update my signature as soon as I know what's what LOL

Feeling much better today OH has secured a Flexi loan for £15,000 which she is planning to clear my loan and her high interest credit card the remainder will pay for the wedding this will add £7000 to our total debt which many will see as a bad move but I can now keep promise to kids re Disney land.

OH will be drawing up a repayment plan and over payment plan as when she returns to work we should have a nice disposable income of approx £1000

I may get some sleep now tonight without worrying about bailiffs etc and even if OH changes her mind when paperwork comes at least I will have had a few nights sleep!!:D

skintbuthappy81

Good luck with that Snow, keep us updated!! I know it is very early but I'm just having a glance through before I leave for work. I found this on another thread and thought you might be interested
http://forums.moneysavingexpert.com/showthread.html?t=2026453

Snowmoredebt

Fantastic thankyou skint. We decided against the loan we sat down last night with a calculator and we think we can do it without extra credit and using the credit available to us we do need to get approx an extra £350 per month. spoke to DS about Disneyland and going 2 or 3 months later and he was ok with this, although he wants to sit his 11+ so really he needs to not miss any schooling.
Back to plan a work my A^^off!
Made an appointment with the bank as OH looked into my statements and pointed out I was paying interest and a high account fee as well as charges, going to ask them to help and lower the account fees and will ask them to reimburse charges. OH said if I don't ask I won't get!!!
I have asked on facebook for friends to let me know of any Xmas jobs going to help pay for wedding, and SIL is visiting soon and she will be bridesmaid she has her wedding shoes and will bring her tiara down aswell, this should save us £75 ish:-)

Snowmoredebt

Good start for the day royal mail just delivered £60 toysrus vouchers from fisher price after OH complained (genuine) as dd tipped out of her linkadoo rocker. If only we read the reviews first we would never have got it!! DD is fine it happened about 6 weeks ago.:D

Snowmoredebt

Parents don't you just love em!!!! Had a call from my Dad yesterday at work saying I can't take anything from garage to sell as I left some pictures of kids on his computer, he threw a major paddy about it LOL, so will be having a massive dig around at home, Mil has passed us some bits to sell and OH neice has donated some games.
I have taken some bits to the tip today and will enquire when last carboot of season is as will reduce everything stupid cheap last hour and freecycle anything left over.

Snowmoredebt

Made £115 at carboot today sold a pram for £40 which helped the total. The carboot runs all year so can dig out some more crap I mean treasure and do some more.

I'm feeling really good today as we can go Christmas shopping next week with carboot money, fisher price vouchers, work vouchers and small savings totalling £285 :-)

Snowmoredebt

Went into town today to speak with bank they have changed my account saving me £20 per month had a look around but had a nsd

mrs_robinson_3

Well done on accumulating a Xmas spending pot so quickly! And on the banka/c and of course,the NSD. You're doing really well.

Mrs R

skintbuthappy81

Wow, I'm proud of you fella, you're doing really well, let us know how the christmas shopping goes, at least you have got the kids sorted now!! Are you and OH buying each other gifts this year?

Snowmoredebt

Yea We both got them before I admitted I was in arrears, we already decided to buy each other something for the wedding to save money.

I'm in the garden today chopping my way through the weeds LOL, ds is putting together his trampoline which was freecycled to us a few months ago, OH was helping in the garden but the baby needed feeding and she's now going to prepare roast beef for tonight and clean ds bedroom. Spent 45p today on paper as ds is collecting all the free Lego, the mirror do this every school holiday ds loves it, normally grandad gets the paper but he went out first thing.

Applied for approx 8 jobs in the last week, will hopefully hear back from 1!!!