Hold fast to dreams, for if dreams die, life is a broken winged bird that cannot fly

pania

Yes taxi a few reasons really. Firstly for the last few years I have literally been living payday to payday. If anything big has come along like something wrong with my car I have been totally snookered and had to go cap in hand to my lovely mum who hasnt had much herself to be fair, or to D which has put massive pressure on our friendship. I think putting it in savings is my way of keeping control. If i have built up a float in a savings account and can afford to let some of that go and still afford a mishap then i will feel "safe" and not like a "burden" on other people if you see what i mean?

Further, with the exception of one debt my interest is on arrangements with creditors which i have always managed myself. Therefore interest is frozen and therefore anything is better than nothing!!
If i let that money go I wont be able to get it back as my credit is shot and will be for the foreseeable so yes, I guess if i'm honest I am scared. *gulp*

I guess to me, if i was reviewing an soa and someone said they wanted £60 I'd recommend that to be the first thing they cut out!! but after 6 years i guess I feel I need to stretch the wings a little!! So ok, guilt diminished! i need a life!!

taxi73

Ok sounds like a good plan if you're not paying interest on debts.

pania

I has honey beer!!!!!!!!!!!!!!!!! yum yum yum!!! and i dont have to share it cos theres no one here but me!! Mwahahahahahahah!!!!! Honey BEEEEEEEERRRR MMMMMMMM *drool!* :rotfl:

pania

taxi73 wrote: »

Ok sounds like a good plan if you're not paying interest on debts.

hmmm think I just need to loosen up and let go of the fear!!:rotfl:I shouldnt be such a control freak!! :D

honeybear_2

pania wrote: »

I has honey beer!!!!!!!!!!!!!!!!! yum yum yum!!! and i dont have to share it cos theres no one here but me!! Mwahahahahahahah!!!!! Honey BEEEEEEEERRRR MMMMMMMM *drool!* :rotfl:

:eek::eek::eek:

Oh! You said Honeybeer...

:rotfl::rotfl::rotfl:

REDMADCURLS

You know what I actually think it will be easier to 'save' if you do allow yourself £60 for a night out because then you can tell yourself, no spending this week because you are going out next week, so if you go over your £20 fun money - take it out of your £60 envelope, that will soon send your brain the message!

Yes when I stood on my tippiest toes I could see your fingertips and waved right back!

pania

honeybear wrote: »

:eek::eek::eek:

Oh! You said Honeybeer...

:rotfl::rotfl::rotfl:

:rotfl::rotfl::rotfl:

pania

REDMADCURLS wrote: »

You know what I actually think it will be easier to 'save' if you do allow yourself £60 for a night out because then you can tell yourself, no spending this week because you are going out next week, so if you go over your £20 fun money - take it out of your £60 envelope, that will soon send your brain the message!

Yes when I stood on my tippiest toes I could see your fingertips and waved right back!

Yes!!!! love that idea red!!! :j ok so if i know i am going out, then i will have to not spendout of my £20!! your an angel! :A




Just had a look at my last posts... my lord i waffle!!! :rotfl:

REDMADCURLS

Happy to oblige

I often think about trying to negoiate interest freeze since i have so many missed payments I reckon credit rating is shot anyway (not that I want any credit)

pania

it certainly solves the problem of debt being a moveable feast. It gives you a target and allows you to move towards it. I wouldnt advocate it in every situation, and some people see it as diddling the banks out of money, But i have paid bck every penny of debt i borrowed thus far, therefore i see having the interest frozen as a way of being able to acheive that goal if that makes sense?
If your rating is shot RMC, is it worth contacting your creditors and asking them to freeze interest? I cant remember if you looked at a dmp or not.

Ooh i forgot to tell you, I drove over to ex-employers house sunday, in between last sunday and this the house has been repo'd put on the market and had a chattels notice attached to the window!!! holding off on paying the £250 to the solicitor for now and am going to use my best investigator skills to find him or his father. they will not escape from all the people they owe money too even if they do a midnight flit! I wasnt a trained investigator for 7 years for nothing!!!