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you know when all you lovely people give advice...
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update (ish). Thanks for all your offers i did pm someone and i will be phoning cab tommorow. But its just nice for me to get it off my chest. Brothers birthday today but because he works really late this week (they shut at 11pm) he wanted his present last night. So he got martins book ~ loved that he said he will read that (he has to go to monthly pay soon) so i said he can use it to help him budget etc. He got a handmade card (which he shook
he always does) and a voucher in the book for 4 hours driving lessons after my payday in jan for up to £80. He is planning to go with my instructor which will net me a free lesson :T and i know 4 hours cost £80 :rotfl:
Ummm my friend (the one i am supposed to be going away with in sept) dla hasnt been authorised so i hope (fingers crossed) ~ and i know this is bad to say ~ but i hope we dont go away now. Maybe we can just have a week doing stuff. As she pays debt off and dropping her hours again i work will only leave her £160 per month to live on :rolleyes: we shall see...
Sarah you will not get me anything! seriously i hate having presents on my birthday christmas is different because everyone gets them :rotfl:
Right i am into new year thinking... 2008 will be my savings year. Seriously once my argos card is payed and i have brought my camera i will be getting nothing except my magazine subscrition and my monthly scrap. I know i said this last year but last year was the worst year imo for my budgets/cash i messed up big time. When i pass my driving test i could be saving at least £300 per month so on that approxamation i am setting myself a goal to save £2500.00 in 2008.
This still allows my weekly spends and any other thing i want (thats not businness related) ie food/games/downloads/avon needs to be 'made' either through ebay/amazon/points/overtime. I know this will be a challenge but i want to get rid of a lot of my 'clutter' in my room and start being fruggle i mean how many dvds/soft toys/books does one person need? I want to get shot of some of my cross stitch stuff too. Also everyone is having handmade items for there birthdays/xmas i am fed up of buying things in a sale etc only for it to sit in my cupboard all year and gatther dust. I know its mse buying early but its getting on my nerves now :rotfl:
No vendor days will start again on the 3rd of jan and i am finding this week if i have no money in my purse i cant spend :T i have been very stupid these last two months. I have been paying my mother and buying food at workthis has to stop.
So thats my goals for this year. There isnt anything more i want really. I am tempted to try to get cook in work as its more money and i just want to prove people wrong. Other than that in 2009 i want a new job and i want my business to grow in 2008 to me making at least £30 per month. I am having a break from making cards etc but full steam ahead from the 31st. i have also decided to add gift boxes/bags and tags from my makes but obviously these all need making.
Regarding my mind and my 'depression' yes i am fingding it more harder to manage and i do find i get very low quickly but i guess its one of those things. I shall restart my tabs (i need to take them for 6 months) then once i finish those i can go back to the doctor and sort out my hair and my confidence. Oh and i am still shifting those pounds. Slower now as i am doing this alone but they are coming off and i am really proud of myself.
Right i will stop typing as this small update has turned into an essay :rolleyes: if you are still with me well done :rotfl:
Finally to all of those who regually post here and encourage me ~ thanks. I would have never made it through this year if it wasnt for all of you (and thats the truth) You prob dont realise but your help is like the parents i never had/have and just to come on here and get virtual hugs is great. You are all great and i just wish i could repay you much more than this. Take care each and every one of you and look after your loved ones/kidlets too.
Merry xmasand a happy new year to each of you
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Oh PaP - what a lovely post - brought a tear to my eye! Well done on getting everything sorted - sorry about your sister, but really good that you are able to distance yourself from the situation.
Big hugs & fabby about the continued weight loss!
Sea xxxxCCCS DMP:Feb 07
Total:£37,016.47 now £0 DEBT FREE FEB 14
2022 Decluttering Campaign 49/10110 -
Big hugs & fabby about the continued weight loss!
I just read that as FLABBY!! :rotfl:Debt Free as of 17/01/2009 Turtle Power!!
EF Challenger #3 £1543.72 / £5000
MFW 2024 #100 £1300.00 / £10,000
MFiT #40 Jan 2025 Target - £99,999.00
Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.980 -
What a fantastic, positive post
I hope 2008 brings a lot of happiness to you. Happy Christmas and all that!! :j x x
Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
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sea... thanks i think it was a fitting time to post that as its true you have all healped me through a lot... i am very gratefull.
raph... :rotfl:
sf... thanks i am feeling very positive today. Unsure why but i am savouring while it lastsi have added my target to my sig already and i cant wait. I am adding my locked saver to the total too as its released sept 10th but the money from there on in (ie after 10th ~ £25 per month) will not be added as thats locked till 09. Going to start getting into topcash back too as i regitered to do ss loophole but not used it since. ohhh i cant wait for next year :rotfl:
btw my monkey kit still hasnt come0 -
Remember to tell your friend she can ask DLA to look at decision again.
Great post BTW!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 -
Aww PAP *hugs* I'm in for a savings challenge in 2008, we can spur each other on if we are tempted to overspend. I think we have similar habits, save for ages and then just blow it allNo longer using this account for new posts from 20130
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Awww Pap, that was a lovely post. You deserve to feel positive and upbeat, because that's how you make others feel too.
Can I make a suggestion, along those lines? (and feel free to ignore it if you don't like it)
In your sig, you have: Superpap's 2008 savings ~ target £2,500 ~ so far £110 :wall:
The 'banging head against a wall' looks as though you are berating yourself for your lack of progress, whereas I think you should have this ----> :j to celebrate what you HAVE accomplished. I just think seeing the positives would help you to hang on to those happy feelings when things get difficult.
Hope you don't mind me saying it, and I wont be offended if you prefer it how it is!"I wasn't wrong, I just wasn't right enough.":smileyhea97800072589250 -
The 'banging head against a wall' looks as though you are berating yourself for your lack of progress, whereas I think you should have this ----> :j to celebrate what you HAVE accomplished. I just think seeing the positives would help you to hang on to those happy feelings when things get difficult.
Very well said, Snag. :T :T
Mind you, it is very easy to become disheartened when things don't go well. I'm a bit low myself, at the moment, and can sympathise with the way PaP feels.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
Very well said, Snag. :T :T
Mind you, it is very easy to become disheartened when things don't go well. I'm a bit low myself, at the moment, and can sympathise with the way PaP feels."I wasn't wrong, I just wasn't right enough.":smileyhea97800072589250
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