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you know when all you lovely people give advice...
Comments
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Sorry to hear you're a bit low Rog - is it anything we can help with?
Thanks, Snag - it probably is just a 'man' thing - been working like mad this week - just tired and feel like I'm getting no-where. I just don't seem to be able to get into the 'Christmas Mood' - no real reason.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 -
Your not alone Rog I can't seem to manage it either, so much to do and to little time to do it in!
PAP I agree with Snaggles, the head banging isn't very positive! 2008 needs to be positive!
xCurrent debt - £16,300
Debt at worst 17/03/2011 - £18,067.62:eek::eek::ANot going anywhere else, ever again :A0 -
Yup positive 2008 miss!No longer using this account for new posts from 20130
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Hey Pap, your card arrived today, it's lovely.
Thank you very much.
Merry Christmas Pap.
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 -
evening all :j
rog ~ Hugs hun
sorry you feel low. I hope things improve. Dont worry about xmas i am usually well 'in the spirit' but this year i cant wait for the thing to be over! I guess your new job and the increase in deliverys isnt helping. I hope you are fine though...
beanie i have told her but she isnt botthering
gem~ yes i am like you save save save then spend it all :rotfl:
snaggles and those after ~ do you know why i choose that emotion? because it fitted the style of the rest :rotfl: i will change it though because i do agree it is a bit diss heartening :rolleyes: so i will change it now
raph ~ glad it arrived safely
oh btw MY MONKEY KITS COME :j :j :j :j0 -
Right so if either of us get tempted to spend, we'll tell the other and that'll stop us. Think how good it'll be to have that big stash at the end of the year No longer using this account for new posts from 20130
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Right so if either of us get tempted to spend, we'll tell the other and that'll stop us. Think how good it'll be to have that big stash at the end of the year
yes definately i am soo going to be frugal... i shall post everything i spend here, that is whatever leaves my current account. I need to start cutting down, i tryed to think of all the stuff i brought this year with all my wage plus my savings and do you know what i can account for £900 and thats it :eek: How bad is that? This has to stop it really does. I have stopped visting hot deals uk and my crafting forum as they make me spend cash that i dont really have. I so need to stop spending money :rotfl:
btw is the sig any better 0 -
PAP ~ Tell her I say she should ask them to look at decision again.
What rates was she getting? How long was it awarded for when she first got it?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 -
PAP ~ Tell her I say she should ask them to look at decision again.
What rates was she getting? How long was it awarded for when she first got it?
Its her first decision, she has MS. But because she cn walk 300m slowly she cant have anything so she is working part time at 20hours per week £5.97 per hour.0 -
postingalwaysposting wrote: »btw is the sig any better
Much more like the PaP we all know. :TI 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
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