📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Pinot's Potty debt free journey!!!

1323324326328329454

Comments

  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Now Ive found a rubber duck, what on earth is that doing in the filing pile ?!! :rotfl::rotfl:

    Perhaps you planned to Rubber stamp the filing once it was dealt with. :rotfl:

    angle.jpg

    Granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Thats exactly what it looked like !! It is now sitting on the desk watching me ! :eek:
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • I had an ebay listing which ended Sunday night. Today is Tuesday.
    I have just received a very rude message informing from the bidder informing me that he hasnt received the item yet, when was it was posted and if it hasnt been posted yet why not ? No please , no thankyou, no common courtesy in the email whatsoever !

    Are these people living in the real world ? :mad:
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    the general public are T%$ts. That is why I feel so bad for Piq
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • NewLeaf wrote: »
    the general public are T%$ts. That is why I feel so bad for Piq

    Have to agree with you there !

    I remember when I worked in retail booked a couple a luxurious hotel for the week. When they came home they lodged a complaint. The reason being that colour of the geraniums in the plant pots around the pool (pink) were not the same colour as those pictured in the brochure (red) from which he had chosen his hotel. Therefore was totally misleading and wanted compensation for loss of enjoyment whilst on holiday and a written apology ! The guy was completely and utterly serious and the complaint went backwards and forwards for six months. I cant remember the outcome in the end sadly ! x
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • I had an ebay listing which ended Sunday night. Today is Tuesday.
    I have just received a very rude message informing from the bidder informing me that he hasnt received the item yet, when was it was posted and if it hasnt been posted yet why not ? No please , no thankyou, no common courtesy in the email whatsoever !

    Are these people living in the real world ? :mad:

    Aww Mrs PG this is the very reason I dislike fleabay. Most people are honest folk (like us) just trying to make a few extra £'s (like us) but then you get somebody come along and spoil it. The same at carboots haggling over an item you paid £25 for that you are selling to them for 50p and they say will you except 40p :mad:......slight exaggeration but you get my drift.

    Keep up the good work, you're doing great.xx
    DMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
    Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
    DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 2021
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    edited 30 January 2013 at 8:12AM
    I remember when I worked in retail booked a couple a luxurious hotel for the week. When they came home they lodged a complaint. The reason being that colour of the geraniums in the plant pots around the pool (pink) were not the same colour as those pictured in the brochure (red) from which he had chosen his hotel. Therefore was totally misleading and wanted compensation for loss of enjoyment whilst on holiday and a written apology !

    Seriously? PINK geraniums? No wonder he complained ....:rotfl::rotfl:
    I had an ebay listing which ended Sunday night. Today is Tuesday.
    I have just received a very rude message informing from the bidder informing me that he hasnt received the item yet, when was it was posted and if it hasnt been posted yet why not ? No please , no thankyou, no common courtesy in the email whatsoever ! :mad:
    I've been so lucky with ebay so far, I have only come across lovely buyers and sellers. I've not bought or sold much yet though, so I'm sure it will happen.......
    I have copied and pasted what I posted on Ms Happys diary for myself . It makes interesting reading for me and is also a great reminder of how far we have come, yet also how far still ahve yet to travel . Sadly I know where the majority of the spends went, as I have said before, and it wasnt on the coveted Jimmy Choos or Louboutins. But here it is in all its glory !

    £78,000 credit limits, but I also had the dubious pleasure of having a credit card with NO LIMIT ! Thats what we lived on when cashflow was tight or to pay THEM . The only rule being that it was paid off in full each month. I could spent up to about £15,000 a month if I wished but if I wanted more I needed to ask first ! Crazy ! all in all a case of robbing Peter to pay Paul .

    In additional £25,000 of overdrafts and the mortgage from hell !

    How are we still sane - ish ??? Infact I'm probably not !

    Infact I am going to repost this on my own diary, for my own benefit really just to remind myself what a muddle it all was and how far we have come x :D

    Frightening amounts. And wow to a card with no limits!:eek::eek: Was it still interest-free when you paid it all off each month?

    On the positive side (there always is one!) these figures prove that we could both have done even more damage than we actually did!!
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Thank the gods that I didn't know/was given a card with no limit. I'd have used it and the financial situation would have been even more dire than it was when the lightbulb finally lit.
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    I haven't had a holiday since 2008. I would be devastated if, when I finally get one, the geraniums were the wrong colour....
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Aww Mrs PG this is the very reason I dislike fleabay. Most people are honest folk (like us) just trying to make a few extra £'s (like us) but then you get somebody come along and spoil it. The same at carboots haggling over an item you paid £25 for that you are selling to them for 50p and they say will you except 40p :mad:......slight exaggeration but you get my drift.

    Keep up the good work, you're doing great.xx

    I did reply with a very curt, but polite message that the item would be posted today and that I had five working days to dispatch the item as per the listing and I was sorry that he felt he should have received the item by now, two days later. He possibly saw the error of his ways and responded with a very pleasant, thankyou, thats fantastic reply. I wish he had been so polite in the first place.

    He also managed to put me in a very grumpy mood for some reason. Poor Mr PG couldnt quite understand why one silly ebayer could give me the grumps so much :o
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.7K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.