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So poor I can't even pay attention

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  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Oh Piq that's such wonderful news..I know how much the Captain means to you and you can rest easy now. That's wonderful. And just shows you how gems of beauty can lurk inside the most off putting of characters ( like the yard owner!;))

    Really thrilled. AND such a thoughtful present from DS3... Blimey you bought that boy up well:rotfl:

    That has really made my evening. Go you!!:T it's because you are such a fab person that this good stuff comes to you my lovely

    Brizzle 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
  • Fantastic news!! I think your Angel fixed her sat nav :D Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • What a lovely yard owner! Bet you were dreading it. Proves that the toughest of exteriors often hide the softest centres.
    ** Proud to be dealing with my debts **
    LBM - Jan 2009 _pale_ : £24,802.21 :eek:
    February 2010 :silenced: : £18,078.47 (not including OD)
    July 2010 :( = £16,819.34 (not including OD)
    January 2012 :mad: = £14,338.75 (not including OD)
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Oh Piq I hope you have shares in tissues because the story about the yard owner has made me blub with relief for you and the Captain. As Lucky says I think your angel fixed her sat nav and has turned out to be a grumpy yard owner in disguise.

    Bless DS for thinking about Colin, which in turn will make things warmer for you too.

    Please don't think of a dmp as failing at the last hurdle. You have paid off £45k, that's more than some in your position would have paid off. Why not write to all those you owe money to, tell them about your current circumstances and ask them to consider writing off the balance. If just one accepts, that's one less debt to worry about. As for the others well they can't have what you haven't got honey. If you need help with these letters, just let me know and I'll help.

    Granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    I didn't log in yesterday. Sunday wiped me out emotionally and yet I still had to work on Monday. Real life just gets in the way sometimes!

    Now the thing about the yard owner is - everyone is frightened of him! He swears like a trooper, is grumpy and a bit of a dictator as far as his yard is concerned. Hence why I was in such a state about telling him I could no longer afford to pay for the Captain.

    Naturally the Captain has never helped! He will happily look the owner in the eye and take a chunk out of his fence. The owner will yell something along the lines of 'get that piece of f'ing salami out of here' On the occasion the Captain escaped and went walkabout and left a huge steaming pooh on the owners doorstep 'You'll find him tethered to the f'ing roadside waiting for the gypsies'

    ..and there was the time the Captain kicked the Landrover......

    Today I'm taking my mum shopping for new clothes for her holiday. Dad is driving us then being left in the creche [coffee shop] with a paper whilst we find something that makes her feel pretty. My youngest sister is very unkind sometimes and tells mum she is too old to bother, no-one will look at her - absolute rubbish! My mum is one of those very pretty white haired ladies you see sometimes, she still has bright blue eyes and we will find something that lights her up. My sister can go walk.....
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    As suspected Colin is delighted with his gift! He couldn't spread himself any further, he was actually sleeping on his back with his legs spread wide - an amazing sight, of course I had his rear end facing me....

    I think the intelligent bit is that it remembers the settings. It can go in the washing machine and tumble dryer [if I had one], the blanket that is, not Colin!

    I sat and read a book last night with it on - heaven!

    Ani, I also have an heated throw on the sofa which has been a godsend for keeping the heating off. I shaved £30 a month off the combined energy bill last month. I do have to argue possession with Colin. Sometimes I win...
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    I'll think about the DMP, maybe this evening, maybe not!

    I'm going to speak to my mobile providers as I can cut back there. I'd forgotten I pay for it, if you understand what I mean. I'll go in early to work tomorrow and call in there beforehand.

    I'll be back to report on the shopping expedition this evening as well as to apply for a couple of jobs I've found.
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • ani_26
    ani_26 Posts: 3,700 Forumite
    Piquant wrote: »

    Ani, I also have an heated throw on the sofa which has been a godsend for keeping the heating off. I shaved £30 a month off the combined energy bill last month. I do have to argue possession with Colin. Sometimes I win...


    Yeah, i read that thanks, and thought i could do with one of those. x


    Where did you get it from?


    The 'pennies' don't run to one at the moment though, unfortunately.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • ani_26
    ani_26 Posts: 3,700 Forumite
    Piquant wrote: »

    I'll be back to report on the shopping expedition this evening as well as to apply for a couple of jobs I've found.

    Good fortune with the job hunting.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    ani_26 wrote: »
    Yeah, i read that thanks, and thought i could do with one of those. x


    Where did you get it from?


    The 'pennies' don't run to one at the moment though, unfortunately.

    I got it back in the Autumn from Lidl for £19.99, someone here told me they were on sale. It has paid for itself several times over already!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



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