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Paps Penny's
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I am alive, just taking a hiatus for MSE, not the debt just MSE.0
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That's ok Pap.
Thank you for letting us know.
Take care & you know where we are if you need anything xxI 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 -
Thanks for letting us know, good luck and all good wishes.0
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Lots of love and luck pap. :wave:Credit Card Freedom gained 14 Feb 2014!!Total Debt Freedom gained 29 Apr 2014!!Savings goal 30/9/23: £72,000/£538,001.....yes I'm serious!Total Debt August 2013: [STRIKE]$21,587[/STRIKE] April 2014: $0!!!!:j0
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Keep plodding xxxI 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 -
You are very quiet Pap.
How are things?
Anything that I can help you with?
Take care xxxI 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 -
Hi PAP. Really hope all is well with you.
We're missing you.
Fortune xMortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais0 -
Missing updates from you, hope you're ok!0
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I hope everyone is well and progressing well with their journeys. Great sig HOK3Y, hope the lilies are still present Fortune and Beanie much love.
Sigh, I am back
I would love to say that I am now/at/doing X, Y and Z but I am actually I have taken a huge step back. Unbenknown to me a week before I 'left' MSE was the start of my breakdown and that was the tip of a very big iceberg. I am now near the base and life is and will never be what it was 6 months ago...
I have four weeks to find a new job, I am not 100% sure I will recieve JSA from then on. My doctor has basically told me that I should not return to my employers and doing so may just put me into hospital. Now I have 'opened' up friends and family have now told me that the last year I have not been myself and my mood/personality had changed. They didn't want to tell me about said changes incase it upset me.
So right now I have SSP to live on (for 4 more weeks) and service debt.
MY debt as gone up but mostly that is due to interest. However Mum has also used the card to pay council tax (to stop court action) and for a vet bill (less than the excess for insurance). So until Mum's debt is payed she will make the min payments however I do have an 'insurance' scheme on that card so once those finish I can use that so it won't harm my credit file (not that I am bothered).
Math is about the only consistent thing in my life at the moment, I am heading for a C. That said I now need that for nothing as I am unsure if college will be happening this year/ever. I will still be very pleased to achieve the grade, and its the one thing that can maintain my focus at the moment.
Speak soon
Pap0 -
(((hugs PAP))) hope that talking about things to family and friends has helped you. Difficult times but you will get through this and well done on the maths.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0
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