you know when all you lovely people give advice...

Gemmzie

postingalwaysposting wrote: »

i have gem but shes the same... i dont know if you have read the whole thread but i pay her debt instead of giving her house keeping :wall: i just wonder why i bother... you know i am 21 and i am dealing with all this stuff :mad: i just feel cheated tonight, if that makes sense? :mad:

Yeah I have.

I definitely get you there, I'm 19 and running my dad's DMP, juggling mum's remaining debts (which are actually my dad's too) and trying to run the household accounts. And sometimes I just think why do I bother? :grouphug:

I just hope you get to move it soon hun, it's what keeps me sane!

slowlyfading

Hang in there pap, it'll get better I'm sure. I'm 20, and you're so must stronger and better than I am. keep your chin up x

RAS

postingalwaysposting wrote: »

anyway i just read one of his letters (dated a week ago) his limit is £250.00 he is so far sitting at £280.00 and he is getting a £20 charge every month for over the limit and £30 for not paying his bill not including teh 29.9% interest rate... oh and he also has a argos card :wall: simmler rate i dont doubt :mad:

PAP - do not worry. Think about the havoc he is doing to his credit rating, apart from the charges and dumb interest rate?

Will not be long before he is unable to get any credit. How cool is that going to look with his mate?

You could try explaining that to him. Suggest he has a look at his credit checks via the free access on Martin's article?

Just make sure you never link yourself to him financially.

postingalwaysposting wrote: »

what do i do? i dont want the baliffs knocking and taking my stuff (this is mum all over) now i am worried once again :mad: am i the only one with any sence a classic example... he was sent £10 in the post, dunno who from but then he proceeded to give the cash to mum with a list of food for her to buy for him sorry but the frezzers full of things he likes... am i missing the boat?

You are a bit off the bailiffs coming round yet so take it calmly. And yes he is a twerp of the highest order but most lads of 19 are twerps.

The really shocking thing is meeting a 21 year old with her head screwed on the right way round.

So well done for getting where you are. Frankly, you never cease to amaze me.

postingalwaysposting

do you know... thats what i love about this site... whoever you are whatever you finances are like someone will be tehre too help... i suppose i have it easy compared to you gem, what a star sorted you mum and dad and the house hold :T

aww sf... see i say the same about ia... weird how we view each other... i love this site i really do

btw i guess i have to let my brother make his own mistakes before he learns? so i decided while in the shower to leave him to it :rolleyes: i dont think there is any other way, sadly

thanks to all of you for being there in my time of need again... i just wish i can put into this site the amount i get from it... one day maybe :rolleyes: :rotfl:

postingalwaysposting

sorry i cant repay all your kindness, words, support etc any better...

Seaxwyn

Hi pap, you have a wise head on young shoulders and you do give a lot back to this site.

Too right about the best drivers passing second time - me for one and also Princess Diana (don't know why I remembered that detail! I think I consoled myself with it when I failed my first test back in 1981!)

beanielou

But pap you do repay our support by just being you:D

postingalwaysposting

extremely off topic but my last fave tropical fish is dead

SarahNeedle1872

Hi PAP,

I've been dipping in and out of ur thread, but just decided to start from the V beginning... up to pg 11 now (40posts per page)... and I just have to say, I think ur amazing. Ur journey so far has been such a rollercoaster, but i have done so well. I feel for u with ur Mum/brother, I hope things have improved a bit since page 11..... Can't wait to get going again and read some more.

Take care

Sarah x

PS - sorry about ur fish x

postingalwaysposting

thanks sara i am a little like a rollercoster so sorry about all the highs and lows

bad day today ~ finally spoke to my manager about a fellow worker as i am fed up with her comments about me doing all the washing/clearing down before she comes in... left her quite a bit but its only what i usually do on a close

also icesave have 'lost' all my savings :eek: yes £900 'lost' :mad: so i am not happy... this means i cant have it ready for all my bills in my soa... so i have had to apply for an overdraft but i have put a time limit on it untill after pay day (18/8/07) so i am not too worried about it really but i will open a savings account within my main bank and ditch icesave