If My Pennies Were Pounds...

Kepp

Hugs, don't cry

Get on the phone to her as soon as you can and tell her. Tell her how upset she is making you and how selfish she is being.

It's not fair when like you say you would have just paid the money without asking, but unfortunately it sounds like she is not going to be fair.

I think you need to have it out with her and the sooner the better, it's not fair for you to be upset.

Hugs again xxx

If_My_Pennies_Were_Pounds

I just really want this finished and £300 of the loan would be a hefty chunk off the debt.

When I list what payments I could have to make by the end of the year:

• £10 payment from Lightspeed
• £10 payment from Walkers Rainy Days
• £32 expenses payment
• £26 payment deducted from wages
• £25 monthly payment
• £50 standing order
• £300 from sister

Would leave me with £118.72 by the end of December, if I pushed it I could be debt free before 2011

I was bad and dipped in to the £150 I had in my spare account, there is still £80 in that which could go the the loan, would leave me with £38.72 to pay :eek:

Those figures above aren't listing extras I could pay off it, just need her to agree to my suggestion.

If_My_Pennies_Were_Pounds

Just spoke to sister on the phone and suggested that she could pay all £300 in one go and she said that was the back up plan as she was hoping to pay it all by the end of this month anyway :j

Fingers crossed, then the figures above are truly possible, I could be debt before 2011, before Christmas would be even better :j

Woowoo

Hi Pennies

That is amazing news, I really hope she comes good on this one for you x

Kepp

Hope the plan comes together

If_My_Pennies_Were_Pounds

Getting excited now, then I can start saving for those 'rainy days' - Well by rainy days I hope one day a wedding (and honeymoon)!

If_My_Pennies_Were_Pounds

In light of my sister's plans to give me back all my money I have altered by debt free countdown to 39 days...giving me a deadline of Dec 31, New Years Eve, very apt I think...New Year, New Me

Hopefully I will soon be making monthly payments to my ISA rather than my loan!

Still a few things to sort out and see how I can make the most out of my money. Going to have a think about a savings target for 2011...

Woowoo

That's a perfect debt free date, you must be so excited?

If_My_Pennies_Were_Pounds

REALLY excited, but still a little bit apprehensive that she could go back on her word

Still, I will take her on her word and presume it will all be rosy and nice!

Bring on pay day on Friday, more payments to be made...presuming expenses are paid on time :cool:

Payment dates and amounts I can guarantee are:

26 Nov - £78 to loan (Walkers, Lightspeed, Loan payment from Wages and Expenses)
1 Dec - Anything left in bank from previous month (probs around £25!)
1 Dec - £50 to loan
10 Dec - £25 to loan

Leaving £393.72 :j £300 of which should be with me early Dec :j

Kepp

That's a perfect DFD!

You will be the first of 'our group' as it were to make it to freedom!

Please let us know what it's like over there! :rotfl: