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Monday 14th December daily chat - 11 more sleeps
Comments
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I love the CCCS...have re-jiged the old budget..might be able to eat next month after all! He also made me feel better when he said our debt was very tiny 4.5k compared to the 98% of people he has dealt with. Well I did point out that actually 3 years ago that was at 36K :eek:I'll make a wish, take a chance, make a change And breakaway. I'll take a risk, take a chance, make a change and breakaway ....
Finally Debt Free...0 -
I love the CCCS...have re-jiged the old budget..might be able to eat next month after all! He also made me feel better when he said our debt was very tiny 4.5k compared to the 98% of people he has dealt with. Well I did point out that actually 3 years ago that was at 36K :eek:
Blimey Sal!!! £36k to £4.5 in 3 years - that's some going!!! :T Glad the CCCS were helpful.
I think we may have to bite the bullet and get a DMP sorted after christmas. :rolleyes:"Start every day off with a smile and get it over with" - W. C. Field.0 -
Is it ok if in a 5,000 word University assignment if 3,000 of the words are blah blah blah ? :rolleyes:
...Linda xxIt's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
We dont count all the runners ahead of us & feel intimidated.
Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.0 -
mmmmm not sure Linda.
I got 71% in my first TMA.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.0 -
Bookie~Some good advice there hun from Snaggs.
REally hope it goes well tomorrow for you xxxI 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.0 -
Depends if the subject you are studying is Blah blah blah
Thanks pooky, Ive worked my butt off to pay it off I tell you. Some of that was cleared by selling an expensive car, 4.5k of bank re-claims. I also did a couple of F&F and didn't quite pay the full balance. Im glad I am here in this place worrying about 4.5k of debt, I have all the tools, friends and knowledge to be able to sort it
I'll make a wish, take a chance, make a change And breakaway. I'll take a risk, take a chance, make a change and breakaway ....
Finally Debt Free...0 -
sally~Yah to the CCCS.
Has your hubbles chased up Jobseekers yet?
Overpayment can definatly be paid back in installments.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.0 -
Evening,
Went to Dr today-I have sinus infection. was given antib's but Dr said to wait and see how I get on before I take tham as most clear up on their own-just looked in mirror and face swollen on one side-tres attractive.
Where I come from, its breakfast, lunch and dinner or supper. Tea is a drink and despite being in this country over 13 years calling dinner 'tea' still is weird. (like pants and underwear as well-pants are trousers!)
Anyhoo-I digress.
Bookie-scarves are in the post, I hope they reach you.
Snags-I will support you as long as you are happy-woe betide the man should he mess with your heart.
All the newbies-lovely to 'see' you! Stick around.
Issue I had from last night remains however, after crying most of the night I realised that bottom line is, the people who know me (my dear friends and family) love me, the rest can swing. (WHY I let people I don't know upset me so much, I'll never know)
Been to see the Christmas lights in Haughton tonight, was lovely but rainy.
Did a load of wrapping with DH today, feel more organised but need to still get lost organised for DD B-day and Xmas.
WhooooshEmpty pockets never held anyone back, only empty heads and empty hearts can do that -Peale0 -
Well done Beanie!
Linda, go through and see if there's any long words you can rephrase with lots of little ones, that's what I do!Unless I say otherwise 'you' means the general you not you specifically.0 -
Hi folks. Just a flying visit to pass the mojo to Pooky. Mum and Dad leave tomorrow so should be able to catch up properly then.
Byeeeeeeeeeee xxx26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%SPC 2019 #073
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