Single mum .....i WILL survive!!!!

*Twizzle*

OMG :rotfl:Be Rite :rotfl: Told ya i wasn't with it

Have come round now, had a quick tidy just hoovering, ironing and dog to sort Pick kids up, tea ad then friends to sort out wedding cake and cupcakes :eek:

I've spoken to paylan and we are going to do an individual budget and payment plan, she did say we could stay as we are but i prefer to tackle my debt on my own. what will happen is this....she says!

My individual debt is £2194.92

Joint debt is £25899.53 :eek:

What i would like to do is(not sure if its allowed on a DMP, will have to ask)

continue paying into DMP, but slash the buget they give me, stash the money, then get a settlement figure for my individual debt and then i will be able to pay more towards the huge joint debt. Hope that makes sense to you peeps and like i said i don't know if its allowed. At the moment the debt free date is 2045 :eek: I do not want this hanging over me until the day i die :eek:

LAM - thanks for decidedly dodgey :grouphug: which also makes me smile


Strength is slowly returning...i don't know why i let him get to me :mad:
As i said previously it shim that needs to grow up and take responsibility instead of blaming me for everything! 6 of 1 half a dozen of the other springs to mind!

:DGosh i feel like i've had my second LBM.....it feels gooooooooood

Spike x

bertiebots

This is the road to total Independence for you hun..and well done for getting the ball rolling:T:T:T.
Your individual debt is not as terrible as first thought is it! (which is good news for a change!) :j.
The joint debt is far more complicated and hopefully you will get the answers you need soon x
Can I suggest that you book a free consultation with a solicitor once you have your figures sorted out so that you can tackle the issue of the small mortgage which your name needs removing from. As its not part of your dmp I know its a separate thing but you don't want it to come back and bite you on the bum!:eek: If he refuses to discuss the matter you dont really have any choice and need to protect yourself..otherwise all your hard debt busting work could go down the swanny:cool:

Once he realizes (ex) that you are not paying half his debts off for him anymore the !!!!!! may just hit the fan (well OK it is pretty much guaranteed!).

Take care x

*Twizzle*

:jNSD:j AND...
Tomorrow i will be transfering money into savings account

This was on my friends FB wall ths evening...... me like

The best revenge is to be successful. It is to stay strong and move forward in life; never stopping, never giving up, never take a step back.

Yes Bertie you are right of course :cool:

We have been to friends to sort out her wedding cake and cupcakes..fortunately she likes 'less is more' :T

And gasp shock horror xOH rand at 9.15pm to apologies for his behaviour......until next time :mad:

Rang local egg farm/shop thingy today to see if we can buy some chooks from them.....so in the last week of April we can go up and purchase chooks for the grand sum ooooooooooof 50p each:j:D:j we will be the proud owners of 8 battery hens
Coop is finished, run just needs 1 more layer of chicken wire and we're ready to go go go


Spike x

bertiebots

Fantastic to see you being so positive x ....and I am not jealous about the chooks...I am not jealous about the chooks...I am not jealous about the chooks.....

*Twizzle*

bertiebots wrote: »

Fantastic to see you being so positive x ....and I am not jealous about the chooks...I am not jealous about the chooks...I am not jealous about the chooks.....

Yes you are ...... and i know i am very lucky, its times like this i love my parents :rotfl:
And anyway you can come down and play with them too you know

*Twizzle*

Morning :wave:

Not much happening today...for once

Going to parents to finish staining wood on chicken run, walk the dog, pick DCs up from school and take them for new school shoes :eek: Fortunately there is a small clarks factory shop in the next town and they have recently started stocking kids shoes
Home for tea....still not sure what we're having and IF DCs have been good i will atke them up to the field with their bikes

Wen to friends last night, it was lovely to see her and the kids, the yougest i used to take to school everyday and he came running up to me gave me a big cuddle and said he'd missed me Anway we now know what we are doing with cake and cupcakes and i was right 'less is more' :T

Sub ....did you get your flat pack done x

Enjoy your day

Spike x

Sublime_2

Good afternoon, Spike and Bertie :wave:

I've been really busy this morning, so not had a chance to log on. Had the washing machine engineer come to fix my machine. He's put some sort of industrial strength glue in it. Yes, my washing machine is being held together by glue. Apparently i can use it sparingly till next week, when he comes back with the parts. Been scrubbing carpets again, as my son has put bright pink lipgloss on it, and ground it in. Little :A:D.

Units all done too. Have a good one ladies.

*Twizzle*

Sublime wrote: »

Good afternoon, Spike and Bertie :wave:

I've been really busy this morning, so not had a chance to log on. Had the washing machine engineer come to fix my machine. He's put some sort of industrial strength glue in it. Yes, my washing machine is being held together by glue. Apparently i can use it sparingly till next week, when he comes back with the parts. Been scrubbing carpets again, as my son has put bright pink lipgloss on it, and ground it in. Little :A:D.

Units all done too. Have a good one ladies.

REALLY!!!!!!! LAMINATE FLOORING GIRL :rotfl::rotfl::rotfl:

Sublime_2

*Spike* wrote: »

REALLY!!!!!!! LAMINATE FLOORING GIRL :rotfl::rotfl::rotfl:

I know. I was going to have laminate down. Got it elsewhere downstairs. I just fancied one room with a carpet in. Boy, do i regret it. :rotfl:

bertiebots

What a fantastic sunny day it is here today! Just wish I had put my washer on this morning but never mind ...its on now, and will dry in my sauna like kitchen!
When the weather is like this it always makes me feel so much better and posative about things..it can be a bit gloomy up north!
Hope you are having a good day and have managed to enjoy the fine weather if you have it x