The "Pay ALL your debt off by Xmas 2012" challenge - PART 2!!!

HelenPie

jakes-mum wrote: »

I am a bit taken aback by some of th posts on here and they actually stop me replying at times The worst thing was that I totally understood what the OP was doing and it was perfectly normal to me :rotfl:

She was buying packs of choc bars and charging her family when they took one, so instead of the SM getting the profit, the family did. Classic second pursing as far as I was concerned, but the replies branded it 'stupid' and 'rediculous' and there was comments like 'oh do you charge them for their dinner too?' etc etc.

They were just really condesending about something that was frankly none of their business without the slightest thought that maybe it was the only way she could afford to bring treats into the house

Just made me feel really for her

And surely a really good way to teach children about the value of money and budgeting. Something that all of us that are in debt would want our children to learn, no doubt.

I've been very fortunate never to have had a bad experience here but have read some shocking things. I try and stay on OS and DF boards where everyone seems friendly

Welcome back and well done idristhedragon :beer:

kerri_dfw

For anyone wanting a bit of cheering up funny article re: shopping with OHs

rubywhatashmoo

Some cashback I've been chasing from Quidco since last JUNE has finally been marked as confirmed so £59 should be winging it's way to me in the next few days

affordmylife

i read everyday but i dont post much. tbh there isnt much to say.

every day is the same. i go to work. i dont spend any money.

once a week i do the food shop for the mimimum possible and once a month i pay my credit card (when i get paid).

apart from that nothing happens xx

angelbob

AH no sunshine down here in Angelbob's world :mad: I've been missing from here for awhile so prepare for my RANT. Sorry skip if I bore you:
Well I've had a horrible day today, long story but two years ago, I had my ex partner arrested for domestic violence (i put up with that for way too long, I know I was an idiot but it is hard when you're in that situation) so he had too move out (bail conditions), this is his morgaged house, not mine, so I have no rights. Well I went to the council for help with re-housing, went on the list, band 2 (second highest band around here) blah blah, bidded, waited.

In the meantime my ex got new girlfriend and moved in with her, so was ok with me and the kids staying until i found somewhere else. As I rely on some housing benefit and had bad credit (ex ran up loads of debts in my name, not just the ones in my sig, which I've cleared now) I couldn't find anything decent private renting. So council was my best option

Fast forward two years later, I'm at the top of housing list (feedback score top 6-10 or first 5:T) feel so much happier and first time in years so confident, kids are doing well, sorted out finances etc and i've started internet dating (although my last date was really nice until after he said he couldn't deal with the fact I have kids :mad: he knew before he met me)

So today had an appointment with housing officer, so hoping for good news, but NO I was being moved down bands to band 5 (no housing needs) !!!!!! now no chance of any help from them, I started crying, he was shouting at me, I was swearing at him and stormed out.

To make it worse I got home to a letter saying I've been overpaid child tax credit AGAIN (how does this keep happening, I tell them everything) So thats another £268 to pay.
Grrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr

So this years plan, save money for deposit and rent in advance about £1500 around here and rent private, at least in June all my old debts drop off my credit file, so it might help.
Sorry again to rant, just needed to air them xx

rubywhatashmoo

I'm really sorry about all that Angelbob It's so frustrating when things out of your control go tits up and spoil all your plans

webitha

sorry i havent hooked in for a while but now i finally after fillling out over 400 job apps and sending out just as many CVs.......im still waiting for the money side to be sorted out...then i can work out where it is best spent

please bear with me...and i will report back soon

Mrs_Addicted_to_Spending

Angelbob -:grouphug: hugs - sorry you're having such a rough time.

rictus123

Well my work in own time is fairly picking up. Will be paid this Friday and doing my own jobs all weekend. Will let current account build up a bit for a bigger emergency fund before i pay off all debt...so wont be making any overpayments until July time id think....still, looking at bigger picture...debt free xmas, sounds sooo good!!!

vw_campervan_mum

Barbeduk wrote: »

Hi all, sorry to hear about the misbehaving OHs. For some reason mine is being extremely understanding about my obsessive frugal ways, which is really helping.

My first big test came today, Foo Fighters at the REading Festival. Saw them 3 times last year.:heartpuls Just love 'em. But no, no, no, I will not spend money I do not have!

Off to make some choc chip cookies and listen to loud music to cheer myself up! Although am feeling strangely proud of myself.:D

I have done quite a few festivals as a steward. There are lots of different groups eg oxfam but I was with green stewards. You get in free and have to do about 3x 6 hour shifts and get some food too. Feels good to be a part of the festival