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Pinot's Potty debt free journey!!!

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Comments

  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Just popping in after a busy few days..not like Mr PG though!!

    Sorry to hear its so tough. Keep on trucking and I am sure it'll gradually pick up

    Thinking of you x
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Pinot. I am relieved for you that some invoices have been paid. I hope that the other one is paid next week. Well done too on making some payments. You have reminded me that I should mention the accountants and tax again in my diary.
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Glad you've had some payments Mrs P, here's to more coming in on Monday. I have everything crossed for you and Piq xx
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Sorry you're having a rough time of it and poor Mr Pinot must be totally exhausted. I hope you get some more money in soon. Blo*dy hard work, this debt-busting. Keep going, you're doing better than you think x
    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
  • bast
    bast Posts: 448 Forumite
    You are doing marvelously... Mr P must be exhausted... Hope you are both okay Glad you have received some payments.. now if they all just paid on time !!!!:) x
  • It's good to hear you've had a couple of payments, albeit small ones. I have everything crossed that you receive payment of mores outstanding invoices this week. I hpe Mr PG manages to get well earned rest soon.
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Earth calling mrs PG...hope you're just drinking the PG and that's the reason for the absence:beer::T:rotfl:
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • Sorry, no PG here I'm afraid, I have been hiding I suppose. Had alot going on, not much time to log on and my heart hasnt been in it really .

    Struggling really, very stressed, very tired as sleep doesn't come easy. Mr PG must be struggling also as he got up for work at 3am instead of 4am after 2 hours sleep. He didn't realise what he had done until he got onto the M25 realised how unusually quiet it was and made it into work by 5am :eek: I was up when he left but didn't look at the clock so didn't notice either. :o

    No more money has come in, Company that hasnt paid asked again yesterday for us to work for them. We said no, we have work that day anyway but they dont know that. The Managing Directors and Finance Department have both failed to respond to email of last week. It was someone else that called us, but she was clearly aware of what has been going on, she offered to see what she could find out, when we might get paid and and call us later today, I wont hold my breath on that one. . Its not huge amounts this particular company owe, but with the way things are we need everything. Its about £800 which would go to helping with the list below.

    As of today we owe the following -

    £270 Council Tax
    £200 Gas & Electricity
    £4000 Mortgage payments - as of March £6000
    £3500 VAT due to be paid by 7 March - We currently have only £350 of that money left as we have had to live on that and what was left of Emergency Funds
    £6580 to THEM
    £110 Car Tax
    £450 Predators


    Other than bills, I needed to buy Graphics equipment last night for DD1, she needed it by today, that was £20. The girls have no skincare, lotions and potions or deoderants left, they haven't had anything for months we have all been sharing but between three doesn't last long, I paid for those using my Boots Points last night, £16 in all. I have no presents at all for DD1 for her birthday in 6 days time. All the family are hoping to come to us Satruday nght for her birthday, how on earth will I feed and water them ? How will I buy her something for her birthday ? The girls have a full weekend of dance rehearsals and shows, I need to buy tickets to go and watch them. I cant afford them. They need glitter, bun nets, ballet tights, DD1 has holes in her Jazz shoes I discovered yesterday but she had been hiding them as she didn't want me worrying. The cupboards are bare, I have never seen my cupboards this bad. There is nothing fun for the girls to eat, I cant make cakes as I have no eggs, I cant give them a sandwich I have no bread or anything to put in it, I could make some but no ingrediants to put in it. There is some fruit. I ran out of milk yesterday, washing powder three days ago, washing up liquid, all basic things have now gone. I have no fuel in my car, it is on the red. Cards were declined at petrol station twice last week and I must make sure Mr PG can get into work. The job is costing us a fortune in fuel, parking etc.


    To top it all off, I couldnt pay for the shopping in the Supermarket last night. It was £57, I thought I had enough in the accounts to buy it so I had some of the basics above. I need to provide the girls with lunches and dinners all weekend when dancing. The personal account card was declined, as was the business. I then had to leave the shopping, burst into tears in front of both of the girls who rushed me back to the car. It was the worst thing , both girls looking on and I couldn't pay for the shopping. DD1 guessed why we had left the shopping behind , DD2 I think knew but wasn't letting on. :cry:

    We have invoices worth a lot of money ,only some are outstanding, but others are due soon. We have done the work, earnt the money, worked our !!!!!! off. I cant do this for much longer. I'm not sure where to go next.

    Thats it, pretty depressing post really, I will log out now and leave you all in peace rather then write more.

    I hope you are all well, I haven't been reading, I'm sorry I have no idea how everyone is or what is happening with you all .

    Sending lots of love and hugs to everyone who needs it xx
    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
  • So sorry things haven't got any better. I've pm'd you Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Oh my goodness Mrs PG that's a lot you are dealing with. Sending you massive hugs.

    Please don't hide away from us though. We're all here to support you as best we can.

    I know it's extremely hard but could you speak with your parents, you don't have to go into too much detail, but maybe just outline the basics. That you are owed quite a lot of money and that simply put, you can't afford birthday present, food etc. Perhaps telling them that this has been coming for a while but you thought the money would come in. Maybe they could help you come up with a reason to explain to the family why you can't have them over for DD1's birthday.

    I really hope the money and good karma starts flowing in for you. Both you and Mr PG work so hard, you deserve the best.
    Diary: Conquering Debts Once and For All
    CC1 Jan 2012 $875.32 / CLEARED
    CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
    Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
    Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09

    Ex mortgage - 89.07% debt paid
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