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please help, life has never seemed so bad...

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  • jwil
    jwil Posts: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Pocketshell, just found your thread. You've made a great start, well done! Hope the meal planning goes well, I know if I do it, I spend so much less than if I go to the supermarket without a plan!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Hello Pocketshell
    How great are everyone on this forum- it's juts like one big pot of love and positivity!
    My tip for phone calls is.. I unplugged my landline. They were driving me mad! they started at 7am till 10pm. One day my mobile has 48 missed calls. So I had that on silent!
    Eventually, when things were up and running with my DMP I just told thwm I was dealing with CAP and then like magic the calls slowly stopped!

    Also, if you do answer and they ask for you juts say you're not that person and they can't contact you. I had the problem because they were calling my parents house. Thatw as a number they had from when I lived there! Honestly, I gave them such a talking too and they stopped.

    Really- just look at all options available - they is not such thing as a problem without a solution!
    xx
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    Hi Pocketshell,

    Just wanted to pass you a comment on the helpful 'told you so' brigade. Just ignore them. Give yourself a HUGE pat on the back for having the courage to set up your own business. Lots of people would like to be their own boss but most don't have the courage to do it. I always admire people who do.

    B
    Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
    Diary 'Butti's journey : A matter of loaf or death'.
    Diary 2 'The whimsical tale of the Waterbed of Debt'
    48% off mortgage

    'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB
  • Wee_Jo
    Wee_Jo Posts: 821 Forumite
    Hey pocketshell :hello:

    You've been a bit quiet (but maybe just cos it was the weekend) How have you been doing? How did the challenge go with DD? Did you write your letter to OH?

    Hope all is okay and you're feeling good.

    Jo :)
    LBM 04/05/10 :T DEBT FREE 30/07/10 :j I made it!
    CHALLENGES: 0 bought lunches June or July :)
    Aug SoL: 15/21 June NSDs: 11/14 July NSDs 12/11 :j Aug NSDs: 5/12 Savings target: £500/5000
  • MerseyLad
    MerseyLad Posts: 174 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Hey there, :j

    How did things go with the OH?
    Debt LIGHTBULB Moment - Sept 2009 - *** DEBT FREE SEPT 2020
    Coventry BS Loan - was £21300. Now £0 CLOSED Northern Rock Loann - was £7500. Now £0 CLOSED Egg Card - was £5300. Now £0 CLOSED.
    Capital One Card - was £5550. Now £0 CLOSED Cahoot Overdraft - was £1500. Now £0 CLOSED.
  • Spirit_2
    Spirit_2 Posts: 5,546 Forumite
    1,000 Posts Combo Breaker
    Pocketshell

    Comeback.....it is hard to do this on your own.
  • MerseyLad
    MerseyLad Posts: 174 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Wow Spirit thats some debt cleared in 3 years!!!!!!!!!

    WELL DONE!!!!!!!!:j:j:j
    Debt LIGHTBULB Moment - Sept 2009 - *** DEBT FREE SEPT 2020
    Coventry BS Loan - was £21300. Now £0 CLOSED Northern Rock Loann - was £7500. Now £0 CLOSED Egg Card - was £5300. Now £0 CLOSED.
    Capital One Card - was £5550. Now £0 CLOSED Cahoot Overdraft - was £1500. Now £0 CLOSED.
  • MerseyLad
    MerseyLad Posts: 174 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Any update Pocketshell?
    Debt LIGHTBULB Moment - Sept 2009 - *** DEBT FREE SEPT 2020
    Coventry BS Loan - was £21300. Now £0 CLOSED Northern Rock Loann - was £7500. Now £0 CLOSED Egg Card - was £5300. Now £0 CLOSED.
    Capital One Card - was £5550. Now £0 CLOSED Cahoot Overdraft - was £1500. Now £0 CLOSED.
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