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Return to Solvency

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  • missrlr
    missrlr Posts: 2,192 Forumite
    Mornings Granny nice to hear the saving money and fancy dress idea out the window. Hope you are feeling better today , I am feeling shell shocked, something to do with being called into work at 0608 this morning as the genius cleaner had set the alarm off! Grrrrrrrrrrrrr
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    The only drawback to Shellac nails is you have to pay to have them soaked off. You can peel them off yourself but it does remove the top layers of nail :eek: I found them quite drying on my nails and it left them very brittle, but that could be just my nails.

    Your outfit sounds lovely and it's so nice that you love the dress so much, you will get plenty of wear out of it!
    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



  • Giggles86
    Giggles86 Posts: 526 Forumite
    Hope you're feeling better today Granny x
    *2014 £365/365days - £52/£365* *20p Savers club #17 £12.00/£50*
    March 2014 NSD 0/15 take lunch to work march 0/21
    sealed Pot Challenge #260
    NMB books: 6/94+ NMB DVDs: 13/67
    "Life is not measured by the number of breaths you take but the moments that take your breath away."
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    edited 4 October 2012 at 10:56PM
    Piquant wrote: »
    The only drawback to Shellac nails is you have to pay to have them soaked off. You can peel them off yourself but it does remove the top layers of nail :eek: I found them quite drying on my nails and it left them very brittle, but that could be just my nails.

    Your outfit sounds lovely and it's so nice that you love the dress so much, you will get plenty of wear out of it!

    Apparently, if you scratch the [STRIKE]service [/STRIKE] surface off the shellac they will then soak off with acetone remover. However, I don't think I'm going to bother after all as I'm quite good at painting my own nails if they are in a good condition and if they are not, no amount of shellac is going to make them look any better. I'd then have to resort to stick on nails which are in danger of popping off if not careful and with dress tight, each time I go to the toilet that may happen. :rotfl:

    My nails are awful a lot of the time because I don't look after them properly. I wash dishes in hot water without gloves, I forget to put hand cream on, I forget to wear gloves in cold weather and I pick at my cuticles when stressed, which is a lot of the time. The only thing I don't do is bite them but that's because they are never normally long enough. :o I'm going to really concentrate on looking after them this month as that is long enough to turn them around. :D

    I love my dress :heartsmil but sadly its not a style I'll get a lot of wear out of. It's a maxi length, flowy and glitzy patchwork silk dress with bustier top. If I could find a picture of it, I'd show you.
    :xmastree:

    Just tried it on for OH to see me in all my finery with makeup and hair done too, loose and glossy, (as really don't think I can afford to have it done professionally). Only thing missing was earrings and tights because I couldn't be ars3d to fuss with them. Even tried the little jacket from yesterday with it and now I'm not too sure, may keep it for a bit until I see if I can find something else or ask DDIL2B for her opinion, pity DD isn't home in time as I have to send it back within 2 weeks, (annoying). OH loved everything except jacket done up, said it looked better undone and I'm worried it looks too small that way. He wowed over my dress and my facinator. :happylove
    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
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    missrlr wrote: »
    Mornings Granny nice to hear the saving money and fancy dress idea out the window. Hope you are feeling better today , I am feeling shell shocked, something to do with being called into work at 0608 this morning as the genius cleaner had set the alarm off! Grrrrrrrrrrrrr
    Giggles86 wrote: »
    Hope you're feeling better today Granny x

    I am feeling much better thank you both. Managed to eat a roll at lunch today. Having cheese pasta for tea, something light and filling.

    Missrlr, I wouldn't be impressed with that - hope you manage to get out early after being there at that time.

    Giggles, how did the interview go? Well I hope.

    HE has made a real nuisance of HIMSELF in work apparently. HE asked colleague how she found working for HIM. I told her I would have said exceedingly difficult, to which she laughed as that is exactly what she told HIM. HE has to do a back to work interview for me tomorrow, I'm so hoping HE asks me the same question :rotfl:

    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
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    edited 4 October 2012 at 10:57PM
    NSD #2 today.

    PAD of £1.16 made to Arg0s, rounding down bank, they are going to love me this month. Every little helps and I usually round up my payments to Predators not part of DMP which is silly as once interest is charged balance is not round anymore. Makes me feel better though but really annoys me when not easy to round. eg balance is £x36.12, I want to pay £x6.12, minimum to pay is £x7.24. :rotfl: I think I need to get a life - maybe new way of PAD payments will sort this out.

    Should be able to do a signature update in the next couple of days, once all statements in and checked. Have spent on baby stuff over the last month though so not expecting a great reduction, still being positive, it's a reduction and that's what matters.

    Sorry folks, rambling to myself a bit there. Off to paint my nails a nice firey red now in attempt to get them all pretty and neat before 31st Oct, only 27 days to go.

    Gx2 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
  • missrlr
    missrlr Posts: 2,192 Forumite
    Any payment is a good payment! I find if you have any cod liver oil or vit d or vit e capsules then pierce one and rub onto bare nails then sleep to let soak in, massage of cuticles helps loads too. I keep a coat of clear on mine to help with drying out, I can "do" my nails in under a minute now so when it looks a bit rubbish just take off then reapply and if I feel enthusiastic I spend longer massaging moisturiser and so on.
    Start info Dec11 :eek:
    H@lifax [STRIKE]£13813.45[/STRIKE] paid Sep14 paid 23 months early :T
    Mortgage [STRIKE]£206400[/STRIKE] :eek: £199750 Mortgage £112500
    B@rclays £[STRIKE]25000[/STRIKE] paid 4 years 5 months early. S@ntander £[STRIKE]9300[/STRIKE] paid 2 years 2 months early
    2013 8lb lost 2014 need to lose 14lb. Lost 4 so far!;)
  • never_too_old
    never_too_old Posts: 3,082 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Evening Granny
    glad your feeling a bit better.Good reaction from OH :j
    Take care of yourself
    :):):):):):)
    x
    MAKE £2022 in 2022 no 29 £2022/£434.10
    Mortgage@ 1/1/2022 £17540 / £1601.39
    pay all your debts by xmas 2022 £15000/ £1865.29

    https://www.facebook.com/groups/680889456637403
    you tube channel never too old
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Not a funny tonight guys as this story is getting to me as I'm sure it is others.

    72066_10151034205300755_835374087_n.jpg

    What those poor people must be going through with her still missing. Why people have to point the finger of blame at her mum for letting her out so late, I do not know. None of us know the circumstances and who are we to judge anyway. Humans make mistakes and this poor family need our support and compassion not negative comments.

    I truly hope this ends in a happy conclusion but concern is growing the longer she is missing.

    May your guardian angel be looking after you little one.

    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
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    dear granny. I too am a cuticle picker. You can immediately tell how stressed I am by looking at the state of my hands.

    Well done on Arg*s, I am looking forward to your updated signature x
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
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