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Having courage to be honest
Comments
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Totally agree will be able to make another effort Friday as it's PAY DAY:j can't wait for that but as always IN one hand OUT the other 
and vicious circle. well one day it soon be over. just a bit longer thatn ist thought and many revisions along the way. :oDH CC £969.00, bank loans *2 £27634.00,Overdraft=£696.00 Total Debts to Tackle = £29299:o sealed pot member 923=£26.99, £2 club member 75 = £0.00 2011 challenge member 360 -
Hi Ruby,
Are you feeling any better ?0 -
:hello:Hi 40sms yes thankyou feeling better inside but body still having trouble moving, but have to get some motivation as have got back shed to sort :eek: (might have to send the dog in first) :rotfl:need to make room for some sheets of plywood. so tahts out with old and in with recycle:rotfl:gotta take DS to dentist again this morning first, so washing on quick tidy and READY STEADY GO!!:D
catch you later rubyxxgood luck on IOW today.:oDH CC £969.00, bank loans *2 £27634.00,Overdraft=£696.00 Total Debts to Tackle = £29299:o sealed pot member 923=£26.99, £2 club member 75 = £0.00 2011 challenge member 360
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:jJust popped back in as have rounded up bank act and have done pad for today =£6.52. (omg just realised is the new me:D):oDH CC £969.00, bank loans *2 £27634.00,Overdraft=£696.00 Total Debts to Tackle = £29299:o sealed pot member 923=£26.99, £2 club member 75 = £0.00 2011 challenge member 360
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Hi Ruby,
Well done on the PAD. Have a good day.
40Smxx0 -
right I said this morning that I wasn't doing to much but as ususal have been busy all day, I've done the garden, cleaned out back shed taken rubbish to tip, done all the washing and put it away, have hoover out my car and cooked dinner,, absolutley shattered now, well it's my own fault,
:mad:On another note whilst I have workng hard to reduce our debts a letter appeared on the mat today from NATWEST CC and to top it all I have kept up to date with all the payments and paid extra to bring it down, only to find in this letter a default note and a charge of £12.00 because of being £1.16 over the top of credit limit to which I had brought right down at the beginning of february and guess what they never told me that an extra payment would have been needed because I WOULD HAVE DONE IT !! bearing in mind that the card has not been used for 6 months because I want to clear it. so again how can it be over limit.
OK got that off my chest (feeling better)
:oDH CC £969.00, bank loans *2 £27634.00,Overdraft=£696.00 Total Debts to Tackle = £29299:o sealed pot member 923=£26.99, £2 club member 75 = £0.00 2011 challenge member 360 -
Phone CC peeps & find out how you went over the limit.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 -
:hello:Morning beanilou
Thanks, I'm going to give them another call today and hopefully speak to someone with a bit of sense :rotfl:I'm also going to recheck the statements.
rubyXX
PS: another £6.00 pad today:j:oDH CC £969.00, bank loans *2 £27634.00,Overdraft=£696.00 Total Debts to Tackle = £29299:o sealed pot member 923=£26.99, £2 club member 75 = £0.00 2011 challenge member 360 -
Gpood luck!
Well done on the Pad.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 -
Love new bit in your siggy BTW about sticking at it
Keep plodding!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
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