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Pap's forever plodding... the final chapter =)

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  • Morning everyone, Hi Pap i hope you don't mind but i have subscribed to your thread you are fab, so inspirational and motivational.
    I have got a totally unrelated mse question for you?, does anyone else have a cat that retrieves, the reason im asking is that our 15 month old has an obsession with ear plugs preferably used we washed some the other day and she would'nt touch it had to find one that had been used, anyway we throw them for her then she fetches them and drops them practically on our feet. Merry Christmas:xmassmile
    MBNA 0% ends 10/04/2020 £15843
    Virgin 0% ends 09/06/19 £ 8007
    Virgin 0% ends 17/7/19 £6379
    Virgin 0% ends 17/7/19 £ 7229.26
    £30229 :eek::eek::eek::eek::eek::eek::eek::eek::eek:
    SPC 069
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    lincs1205 wrote: »
    I have got a totally unrelated mse question for you?, does anyone else have a cat that retrieves, the reason im asking is that our 15 month old has an obsession with ear plugs preferably used we washed some the other day and she would'nt touch it had to find one that had been used, anyway we throw them for her then she fetches them and drops them practically on our feet.

    I think your cat needs a good 'talking to'. :rotfl: :rotfl: :rotfl:
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • beanielou
    beanielou Posts: 95,540 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So do I!:rotfl::rotfl:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Beanie ~ She stated it was something to do with not being paid but I am not to sure. Ahh well I will get my fees back tomorrow and she wil get a strike. The second chance offer didnt happen (I didnt think it would) so I will relist it in the new year. Its no good to me now as I have no games etc :rolleyes:

    Rog ~ So sorry work has been horrid in these conditions. I was thinking of you on Monday in your little green van. Loads of deliverys from Asda/Tesco has been cancelled around our way. I understand too, so dangerous. So glad you have had the run up to christmas off though. So sorry you are back so soon, I dont finish till tomorrow and am back Saturday. Thats the joy working in retail though I guess :o Hope you have a lovely christmas and Jack enjoys himself, there isnt anything like seeing your first grandchilds christmas :T

    lincs ~ Welcome to my diray, I dont know about inspriational, I just plod :D Your cat is mighty strange, Thomas doesn't do anythig like that :o Maybe its just one of her 'things'.... Happy christmas to you too :D


    So the money from paypal cleared today so more payed off my debt. Argos is now = £129.52 and Credit card = £178.06. Not too bad really. I also recieved my credit card statement and my interest rate is actually 0.4878% :confused: I still think thats a 'new customer' rate as the site states 'With a low rate on purchases for 9 months'.either way its fab, so hopefully i wont inccur many charges untill its repaid.

    Spends
    20th ~ nsd
    21st ~ £30.00 Argos debt + £5.69 ketostix
    22nd ~ nsd
    23rd ~ £67.70 Argos debt + £1.25 thank you card

    As you can see I have exceeded my £5 weekly spends this week. Purely because my ketostix are running low and they are cheaper online. These will last me all through the remainder of my diet though. My 64 day challenge I have £49.60 left. This has to last 25 days which I think is very very possible. This doesnt however include the small amount of money I have put asside for my birthday shopping. I dont want much and most of it will be used throughout next year.

    So thats me, ready for christmas and looking forward to the week following as I have a huge amount of time off from work :j

    Merry Christmas all who read my diary and I hope you have a fab new year too... Dont forget to plod ;)

    _marry_christmas__by_luckylinx.gif
  • beanielou
    beanielou Posts: 95,540 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Wow your debt is really coming down :)
    Maybe one day mine will be as low as yours~I hope.
    You have a fantastic Christmas too hun & I hope you get nice pressies too xx
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou
    beanielou Posts: 95,540 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    BTW I challange you as follows:-
    Your new totals by 31/12/09

    Argos~£125
    CC ~£175
    Total ~£300.
    What do u think?
    Can u do it?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Thanks Beanie, dont hang around do I :rotfl: I think the fact there is a new year on its way and want these out of the way asap helps. I am sercertly hoping my sister will give me some cash for christmas to go towards it. After all if she asks what I spent it on I could say my ipod which is whats outstanding on argos ;)

    As for your challenge definately, I actually want to get them to round numbers before I start the 100 day challenge on the 8th. So £120 and £170, which means a payment of £17.58. Fingers crossed it can be done...

    Oh and I will put my ds back on ebay Saturday night. that should make at least £30 if not more :) More heading for Argos...

    Take care :beer:
  • beanielou
    beanielou Posts: 95,540 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So you have upped the challange by £5 on each then?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou wrote: »
    So you have upped the challange by £5 on each then?

    Yep :T Now watch me do it :rotfl: See you have to think positive with these things ;)
  • penelopedee_2
    penelopedee_2 Posts: 2,698 Forumite
    edited 25 December 2009 at 8:44AM
    Hi Pap, and everyone else who subscribes, just wanted to wish you all good Christmas (however it works out) and a really good new year.

    Penx
    This time I haven't smoked since 6th Jan 2014 and still going ok.
    Fingers crossed x
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