Chasing daydreams....

Happytogetdebtfree

it should be fine, my ears are a pain butthey get really irritated lol i poke them when i should not.. i must be good i need a drastic miricle, ohs cousin should be starting to decorate the bedroom on sunday im very excited lol do you think if the goverment are seriou sabout improving the debt they may focrce banks and credit card companies to reduce there intrest rates so that debt is paid back quicker ? x

Choc-addict

Happytogetdebtfree wrote: »

it should be fine, my ears are a pain butthey get really irritated lol i poke them when i should not.. i must be good i need a drastic miricle, ohs cousin should be starting to decorate the bedroom on sunday im very excited lol do you think if the goverment are seriou sabout improving the debt they may focrce banks and credit card companies to reduce there intrest rates so that debt is paid back quicker ? x

:rotfl:stop poking them! :rotfl:

Ooh, decorating - I can't wait for that to happen!!! If we ever get in this house :mad:

Will be interesting to see what happens, I keep popping onto bbc news for updates, don't think boss will be too pleased I can see something happening re debts/banks....watch this space I guess? Let's hope so! x

Happytogetdebtfree

Could you imagine if one dare to dream that credit card intrest rate was locked at 15% id be happy with that it would help clear more debts and should increase the downfall i would have thought ? im a believer of its all about people helping people... but doesnt make me feel any better about things lol i had my dinner at mums yum... its easy to say stop poking ears lol x

Choc-addict

Happytogetdebtfree wrote: »

Could you imagine if one dare to dream that credit card intrest rate was locked at 15% id be happy with that it would help clear more debts and should increase the downfall i would have thought ? im a believer of its all about people helping people... but doesnt make me feel any better about things lol i had my dinner at mums yum... its easy to say stop poking ears lol x

LOL....must be so irratating!! I think they need to do something and make things more afordable in the sense of getting things down - would be nice to make a minimum payment and actually see the debts come down by a reasonable sum...i'm sure it was like sometime ago?? Can't remember :eek:

I like your 'people helping people'....that's the way it should be in all senses of life

Think i'm making lasagne for tea tonight....or perhaps i'll get OH to cook Think we're doing a big sort out of everything tonight - help :eek::eek: I've worked out that we are not paying enough to our joint acc for bills etc which is never good - no wonder i'm getting no where as there is always something extra to pay for....budgeteering for us tonight :cool:

Happytogetdebtfree

Do you have a spreadsheet? i have one that is broken down to income outcome, monthlyu bills. loans/ credit cards/ extras i can email you itw hen i gethome, i like a nice budget but it always says i have more money that i assume lol then i wonder why i feel th eurge to spend arghhhh xx

Choc-addict

Happytogetdebtfree wrote: »

Do you have a spreadsheet? i have one that is broken down to income outcome, monthlyu bills. loans/ credit cards/ extras i can email you itw hen i gethome, i like a nice budget but it always says i have more money that i assume lol then i wonder why i feel th eurge to spend arghhhh xx

Ooh, that would be fab if you don't mind? I think OH and I have got to the point that we're so fed up of being unorganised and want to get sorted once and for all - we did start off back in Feb with weekly spending budgets and so on but in between that we've had numerous occassions such as 30ths, 60ths, 65ths and another 60th due...new babies and so on....all things that took a lot of money etc....

I REALLY want to get back on track and know where I stand each month - like True said today is 'starting from scratch' day so the spreadsheet info would be fab timing

Right must get on with some work, not long to go until finish:jxx

Happytogetdebtfree

That's fine il email you when I get home x

true27

:hello: Hey ladies

Gorgeous dress Happy!!

Love the idea of lowering interest rates to help people pay it back, it would be great to have that extra bit of help to get clear!

I'm back off to work again in a min *sob* so must put happy head on - I only have to smell like chips to earn money money money (must be sunny its a rich mans world) god I hate Abba where did that come from!

Anyway, I need money I like money I like chips (too much) so smelling like chips must = money right?

true27

Choccy your puss cat is sooooooooo cute!!!

Hope docs goes ok Happy - I get itchy ears that I can't stop poking too, hayfever apparently!

Choc-addict

true27 wrote: »

Choccy your puss cat is sooooooooo cute!!!

Hope docs goes ok Happy - I get itchy ears that I can't stop poking too, hayfever apparently!

He's lovely isn't he......my fav boy!! It's so nice to put face to you lovely ladies

I love both your wedding pics.....maybe it'll be me one day.....:p xx