SOA (lightbulb moment!!)

WASHER

O2, don't want you to know your mins etc, they know if they say check the website, few do and many go over the allowance, O2 want you to do this, but with the number I gave you, you don't ever need to again.

Have you banned betnow from your PC as well, I am assuming this is a gambling website? you can download software to prevent you from using any gambling sites, is this where the debt originated from? I'm not judging you, but there is a thread on here from gamblers/ex gamblers supporting each other. If the debt originated from general overspending, then thats fine too, we don't judge on this board, most of us are/have been in the same boat.

fatlad9

no the debt isnt betting related. that was just what i was doing from my phone to try and win money on the football. was stupid really. basically you text the bet and they send you back a price etc. ive banned myself from that website.
if i go into a bookies my bets amount to about 1 pound a week, football accumulator. not a gambler at all really, god knows why i get sucked into wasting money on things like that!!

fatlad9

letters posted out recorded del. 1.05 a letter.... and i did it 2nd class (money saving expert here hehe)

walked past brighthouse and saw a 52" tv in the window... then i thought "look at those mugs queuing up in there"

wifes now checking her balance regulary using the number 21202 that washer shared.

sorted a folder for my unsecured debt etc for bills / letters / post office receipts

time for a break from this otherwise i'll burn myself out!

Happytogetdebtfree

well done fat lad you have already made some positive changes so thats good, yes get the wife on old style x

KPR11

fatlad9 wrote: »

i sense im going to be like a mad-man , and get overly obsessed with getting rid of all our debt

I guess you would rather be a madman getting rid of all your debt and saving then to be spending like a madman and accumulating a ton of debt!!

fatlad9 wrote: »

wife will be on 40 a day at the end of this !!

LOL! Legend! :rotfl:

KPR11

WASHER wrote: »

there is a thread on here from gamblers/ex gamblers supporting each other

Is there? :think:

WASHER

KPR11 wrote: »

Is there? :think:

http://forums.moneysavingexpert.com/showthread.html?t=1090463&highlight=gamblers

Here it is.

WASHER.x.

dawnybabes

Could you wife not use your free mins phoning the family rather than going over on hers ?

fatlad9

dawnybabes wrote: »

Could you wife not use your free mins phoning the family rather than going over on hers ?

she could do yes.... i'll let her use some of my minutes up!

tomorrow we are both off work, going to put sky down to one mix... its a start anyway, and then in the afternoon prepare a home cooked meal. been over a month since we've had a proper cooked dinner!

good night everyone, probably wont be back on til tomorrow night, thanks again for all suggestions and help....

waiting on replies from creditors and DCAs etc... have a feeling my 20% full and final settlement offers will be rejected!

Verbatim

Good luck with the f&fs and enjoy your roast dinner.