Memoirs of a Sista.......

Aamberle

Morning - Wow Go you and the 13's.:j:j:j Excellent work Sista. You must be feeling really good about this.
I know what you mean about "could do more" - but hey people still need to live/have a few treats in life. So really really well done.

I know I do not post often - but I am always reading diaries.

XX

sistafromanothermista

Ok, whinge time.......
I've been lurking around the boards (sounds sinister and slightly pervy......) and the amount of PDL threads are starting to get up my nose.
Not the fact that PDL companies exist , as i think they can and do serve a purpose and there is obviously the demand for them. More so that the people getting the loans out default then have a right old whinge and moan about the APR!!!!

For heavens sake, they were all skipping and dancing when they were approved then all of a sudden PDL companies are the devil incarnate! As for the amount of threads with people actively looking to default with no intention of paying back, this makes me :mad::mad:

I am not going to hold any punches if i come across these threads as they are just getting on my wick now.

There's two catagories,;
People who can't pay on time (don't take out in the first place without understanding the repercussions)
and
People who won't pay (feel as if the world owes them a living)

Me and DH work really hard and take full responsibility for our shortcomings and the amount of debt hanging like the proverbial millstone, and we are determined to pay back every last penny we owe by cutting out the luxuries and living on the bare necessities (i feel a song coming on....)
Why are there some poeple out there who don't believe this is how it should be done?

It never ceases to amaze me.




Rant over :T

(I feel better now)




P.S

---

:wave: Aamberle :wave:

pennywisepoundstupid

Well said, totally agree with you.

Aamberle

Morning Sista - Well Said.

Happy Friday :j X

sistafromanothermista

Another £60 off the debt today :T
Saved £14pm on our pet insurance too. Tesco wanted £30 pm :eek: at the next renewal, managed to find a better plan for £16pm :T

Very happy with that, i must remember to set up another standing order to one of the cc's for the additional £14.....

Paid out quite a bit on getting the car fixed this month as it's MOT due at the end of March :mad: still in the black and haven't touched the savings so it's still


Hope everyone's having a great Monday.

Fae

Hi Sista,

Really do agree with you on the PDL's, far too many people out there who thinks the world owes them.

Well done on the Insurance, really shows how important it is to shop around. Fingers crossed on the MOT.

Fae

shinner

wow what an inspiration read your diary you are doing amazing:j:j:j
Think i will subscribe to keep me motivated. I am hoping to be able to get rid of my debt in next 4 yrs. Would be sooner if OH was more helpful but its life. cant wait till the day i see 000 on all my ccs.

sistafromanothermista

:T Shinner
Maybe not so much of the inspiration bit when you read on......:o

So i've just checked the bank and i have £5 :eek:
Luckily only until tomorrow when DH gets paid though. His hours have been cut so his pay has been less for the past 3 weeks and we're coping........just.
My car needed £95 spent on it and DH said to pay it out of the account without touching the saving pots to see how we cope.
I guess +£5 is better than -£5 but it is only a fiver

I've got my eye on a Humax box and as soon as i've got one cheap enough i'll call to cancel Sky and we'll be £36pm better off

shinner

Cars are great aren't they shame we need them i would be rich if it wasn't for cars. Mine going to cost me a small fortune next week probably around £250 £300 needs all sorts and mot :eek:
Keep up your hard work.:D

sistafromanothermista

:wave:
As of today we owe 13,580 ish, will have another £600 coming out next week taking us under the 13k mark :j
Car in for MOT tomorrow and car tax due so :mad:

Me and DH talking about the first thing we will save for when we are debt free :T we're hoping to get some new flooring fitted so this will be :T

This time next year i cannot wait to look back on my diary and see how far i've come



Hope everyone is ok

Sista..xxx