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THE FUTURE IS ONE BIG CHALLENGE AFTER ANOTHER for 3Dogs and friends ..... PART 3

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  • 3Dogs
    3Dogs Posts: 14,092 Forumite
    I've just been checking back on this page and don't think I mentioned this - Mr 3Dogs told me that we have received NHS Free Treatment Certificates for each of us through the post - this means free dental, opticians, etc and I have checked with him that I will now receive free prescriptions. He already gets his free as over 60 ;) but I pay £104 a year for a prepayment certificate as I get at between 4 and 8 meds a month and this obviously works out cheaper, but free is even better. I am hoping that I will get a refund of 4 x £10.40 Direct Debit payments as the new certificate starts from start of tax year :j :j

    I have been going through my budgets and figures now we have the right amount of WTC, etc and I am almost positive that Mr 3Dogs will still be able to do a DRO :D it just depends on how they treat our income/expenditure - as joint or just his, though I think it still works either way. I know they did mine as joint income/expenses but I did read that they now want individual figures, so not quite sure how they will work this. I am going to be catching up on the DRO thread in Bankruptcy Forum as I have neglected this lately, and then ring CCCS for advice and to start things rolling :D:D

    Hope all is well with everyone - I am going down to see Mam at tea-time, but my brother has said that she was good at lunchtime so that's good

    In some ways, things are looking up for 3Dogs and Mr 3Dogs
    :( Mr 3Dogs 3-7-12 :( 3Dogs'Mam 31-3-13 :(
  • beanielou
    beanielou Posts: 96,890 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the cert.
    Hope the DRO falls into place for Mr 3 dogs.
    Am tired and havent seen my cat today :(
    2 lbs off this week.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • 3Dogs
    3Dogs Posts: 14,092 Forumite
    beanielou wrote: »
    Good news on the cert. Thanks hun :A
    Hope the DRO falls into place for Mr 3 dogs. Yes, would be great if he can :D
    Am tired and havent seen my cat today :(Oh dear to both of these :(
    2 lbs off this week. WELL DONE Beanie that's fantastic :T


    I've been catching up on money off coupons tonight and printed quite a new new ones as well as a few more regulars :D:D
    :( Mr 3Dogs 3-7-12 :( 3Dogs'Mam 31-3-13 :(
  • 3Dogs
    3Dogs Posts: 14,092 Forumite
    Sorry I wasn't around Aesop - but I see they've gone now :j

    Well, that's an improvement for me - I was up and about before 12 o'clock :p had a shower, got dressed, had my breakfast and got washing in - that's good for me :o :rotfl:

    I'm going to plan my Tesco on-line order for putting through tomorrow - it's my red-cross parcel to Mr 3Dogs at home ;) then try to catch up on the DRO thread for a while before going down to see Mam at tea-time

    Hope all is well with everyone - has your cat turned up Beanie?
    :( Mr 3Dogs 3-7-12 :( 3Dogs'Mam 31-3-13 :(
  • beanielou
    beanielou Posts: 96,890 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Yes my Mister is back :j :j
    Just as well as its like a monsoon today.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • patman99
    patman99 Posts: 8,532 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    3Dogs, I reckon with a new manager in place, your mum's carehome could be in for quite a shake-up.
    If the fire-door catches are causing trouble then surely it would be more cost-effective to replace them than keep fixing them.

    Nice to know your mum is doing well. Good news is always preferable to bad in my book.
    Anyway, just popping-through on the way to post good news on my diary.
    Never Knowingly Understood.

    Member #1 of £1,000 challenge - £13.74/ £1000 (that's 1.374%)

    3-6 month EF £0/£3600 (that's 0 days worth)

  • 3Dogs
    3Dogs Posts: 14,092 Forumite
    Hiya patman - nice to hear from you

    3Dogs sneaks over to patman's diary to find out about his good news
    :( Mr 3Dogs 3-7-12 :( 3Dogs'Mam 31-3-13 :(
  • 3Dogs
    3Dogs Posts: 14,092 Forumite
    Hi Ho, Hi Ho, it's off to bed I go -well, soon anyway, as I am up early tomorrow to go shopping in Newcastle - got to be at my sister's at 9 am and her hubbie will drop us both off in town - my sis will do a bit shopping with me and then go to work and I will get the Metro back around lunchtime

    Night Night guys :D
    :( Mr 3Dogs 3-7-12 :( 3Dogs'Mam 31-3-13 :(
  • beanielou
    beanielou Posts: 96,890 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Havent been to Newcastle in years.
    Have a good day.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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