Pinot's Potty debt free journey!!!

PinotGrigio41

brizzledfw wrote: »

Hmmm...would normally but need o do some work early doors. Alarm set early :-( that's not to say you shouldn't start on your own tho!!!

PS have just PM'd you ...but your inbox is full!!!!!

Im doing my work now,( well and talking to you ) into the night, so then I dont need to do early doors as I have to get DD1 to her Vocal Exam instead :eek:
I think I will save my celebratory glass of Pinot until tomorrow though !! Actually I have jsut looked at the time, so I will have it today !

Oh I didnt know my inbox was full. It has been rather busy today for some reason....best I get that sorted then ! xx

gargrave50

I cannot believe I've just stumbled across your diary - you dark horse .

Hooked. But have quite a bit of catching up to do, but these pesky labourers keep popping babies out:rotfl::rotfl:.

Might have to track back through the diary another time xx

Hopelessly_Hopeful

PinotGrigio41 wrote: »

OMG OMG OMG :j:j:j:j:j:j

The Postie has just been. I am soooooo excited and have just finished leaping around the kitchen and screaming like a wild banshee because it made my back hurt, but right now I really dont give a damn !!! :rotfl:

My claim for PPI with MBNA has been upheld !!! Whoop Whoop !!!

I requested £410 I think, I really cant be bothered to look. They have refunded me £3099.95 !!!

OMG, I cant explain my excitment, if I could ring you all up or kiss you all now I would if I could !! I think you get the gist (jist?)

I havent technically got the money yet but I will have in 28 days !!!:D

Sorry for the totally mad hyper post, but its been such a cruddy few weeks, and I was still smiling but now I am leaping as well !!! :j:j:j:j:j

Morning

We like mad hyper posts!!!!!

Congratulations.

Looking forward to signature update in 28 days time!

HHx

PinotGrigio41

gargrave50 wrote: »

I cannot believe I've just stumbled across your diary - you dark horse .

Hooked. But have quite a bit of catching up to do, but these pesky labourers keep popping babies out:rotfl::rotfl:.

Might have to track back through the diary another time xx

I didnt realise that you didnt know I had a diary !!

I hope you saw your name mentioned on the very first page !!

These pesky babies, dont they know you are busy ? x

PinotGrigio41

Hopelessly_Hopeful wrote: »

Morning

We like mad hyper posts!!!!!

Congratulations.

Lookingf forward to signature update in 28 days time!

HHx

Thankyou HH. I'm not sure about the update. I am still trying to decide what to do with it. If I can top back up the £2000 payout I got from one of the credit cards that I had put in the Full and Final Fund) and then add this PPI payout to it that will be just over £5000 and I have managed , goodness knows how to save about £800 since we started this bumpy ride, and I have a cheque from the NatWest Credit Card people here for £600, so that will be a nice amount sitting in the pot.

With all the disasters recently its been nice to have that money there as we certainly have needed to use it, if it hadnt I'm not sure how we would have coped. So a part of me is loathed to part with it all , right this second, to the predators epecially when things are ticking along nicely and noone is jumping up and down. If I dont use it I can continue to try and build it up. I have a Vi£gin Card (MBNA) with about £2800 on it, the smallest debt, so I think I may look into offering them a full and final with it. Obviously advice on how to go about this is all differing. Some say that when on a DMP you have to share it out equally between everyone, others I have heard have got in touch with each and every one of them, said I have X amount to give to one of you, first come first served, and others have offered one company a full and final and then split what they would have made on the monthly payment for that debt around the remaining creditors. The third option is what I would prefer to do, but Im not sure Im brave enough to part with my cushion at the moment ......just incase with our run of luck recently I need it !!

bast

I can understand the above for the first time in our life we have a cushion and parting with it now is really hard to do, especially as you say "something" always crops up. When that happened we used to turn to the cc`s now it is nice to know the money is there.

Hopelessly_Hopeful

Morning

I'd keep a 500-1000 buffer cushion and perhaps ask your cashflow advisor for advice on tackling F&F

Choice is of course yours and as you will have seen no one way to do anything with DMP land, they keep the element of randomness to stop us playing the system


Good luck

HHx

PinotGrigio41

Hopelessly_Hopeful wrote: »

Morning

I'd keep a 500-1000 buffer cushion and perhaps ask your cashflow advisor for advice on tackling F&F

Choice is of course yours and as you will have seen no one way to do anything with DMP land, they keep the element of randomness to stop us playing the system


Good luck

HHx

I think I need to hang on to a little bit more than that. Last months expected expenditures added up to £2500 totally out of the blue !:eek:

My car is playing up terribly and is 13 years old with 180,000 miles on the clock . We are desperatley trying to keep it going but I'm not sure whats aroudn the corner.

I will sleep on it for a few days and continue Squirreling (no pun intended !!) the cash away if I can.

Thankyou HH again for your invaluable advice. x

Hopelessly_Hopeful

PinotGrigio41 wrote: »

I think I need to hang on to a little bit more than that. Last months expected expenditures added up to £2500 totally out of the blue !:eek:

My car is playing up terribly and is 13 years old with 180,000 miles on the clock . We are desperatley trying to keep it going but I'm not sure whats aroudn the corner.

I will sleep on it for a few days and continue Squirreling (no pun intended !!) the cash away if I can.

Thankyou HH again for your invaluable advice. x

Three good points you made there!

I've just taken pleasure in going back to FOS re M&S. We shall see.

HHx

PinotGrigio41

Hopelessly_Hopeful wrote: »

Three good points you made there!

I've just taken pleasure in going back to FOS re M&S. We shall see.

HHx

It will be interesting to hear t e outcome. I have an issue with FOS at the moment.

Chat to you more later xx