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Moneymuddlers Debt Free Dream
Comments
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Just wanted to say a big well done for not going to the shops.
I know how hard it can be to put people off (I've been having to do it for ages now!) but it's for the best, as you know of course.
:TBank Balance: In the black for the moment.
Sainsburys Loan: Cleared July 2010
Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
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sorry to be mega thick but what do you mean by benevolent fund???beanielou wrote:Hate to say it but the lotto could go.
Why dont you try the benevolent fund to get some to pay off the smaller debts? Even if you got £300 it would pay off catalogues & next.
Take care & good luck!
next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
ive requested an info pack from unison so i will def check that out-i keep putting off cancelling lotto as ive done same numbers since the start....i know it must be done..next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
going to iceland this aft to fill freezer ready for xmas...bit nervous which is silly need to be controlled and not spend too much gulp..next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
ok ...£64 in iceland managed to fill my chest freezer (nothing else will fit in there!) this includes basic stuff like frozen chips,bread,crispy pancakes etc and food for two family buffets over xmas thought this was pretty good ??..next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
if you are saving 40pcm for Xmas do you really need 480 for Xmas :eek: thats LOADS!!!:beer: Well aint funny how its the little things in life that mean the most? Not where you live, the car you drive or the price tag on your clothes.
Theres no dollar sign on piece of mind
This Ive come to know...
So if you agree have a drink with me, raise your glasses for a toast :beer:0 -
its £40 pm for 10 months to give me £400 vouchers this covers all family xmas pressies,several birthday pressies(why is everyones bday around xmas??!!)and my daughters xmas gifts and if any left over her bday pressie (in jan) thought that was pretty good what do u thinkis reasonable??lynzpower wrote:if you are saving 40pcm for Xmas do you really need 480 for Xmas :eek: thats LOADS!!! next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
moneymuddler wrote:sorry to be mega thick but what do you mean by benevolent fund???
Sorry, there should be a nurses benevolent fund that you could apply to.
If you had been member of union , you could have applied to their's.
Hope this helps(HTH)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.0 -
will look into that thanks!!:Tbeanielou wrote:Sorry, there should be a nurses benevolent fund that you could apply to.
If you had been member of union , you could have applied to their's.
Hope this helps(HTH)next £1000 egg £2850 [STRIKE]nationwide £115 od[/STRIKE]
mbna£3050 tesco £2300 virgin £3546 halifax od £3000 loan £8000 - april 2012:eek:
Pad total so far £165 :T:T:T0 -
TBH, I dont think £40 a month for Christmas is extravagent, but could probably be reduced to £25
Well done for getting started. Nothing other than the lotto is really jumping out at me, but if you shop around and make sure your utilities are all at the cheapest they can be you could make a tidy saving.
Welcome to MSE!0
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