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Hello DFW my old friend...
Comments
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Maybe once a week?
Say's bad beanie.
Toddles off.I 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 -
I like your thinking.

I probably will still go there occasionally, just because it's a really good cause and is run by some great people, but if I can stick to no more than once a week (which, let's face it, isn't a big ask), I'll save getting on for £300 a year!
It's little things like this that I need to focus on, because they're the sort of bad habits that will land me back in debt if I'm not careful.I'm a Money and Debt Adviser for a homelessness and housing charity in Scotland. If you have any questions about debt management and debt relief under Scots Law, just ask.The pain you feel today is the strength you feel tomorrow.0 -
Hiya
I'm also rebuilding my life after a debilitating bout of depression so your opening post really struck a chord with me. You sound like you're doing really well and everything in your life bar the house in Leeds sounds so positive. Will subscribe and hopefully offer some support where I can. I agree with the once a week treat for lunch incidentally, most sandwich stuff tends to be on the turn by Friday so that's when I cave in.
Barclaycard [STRIKE] £2770 [/STRIKE] now £2690.
O/D £500. Weight loss: 12/28lbs
Savings owed [STRIKE] £3000 [/STRIKE] now £2250
Total debt: [STRIKE] £6760 [/STRIKE] now £54400 -
I FOUND you!
:j:j:j:j
*is not a stalker honest!
This nonstalker has to go to Sainsburys before all the decent parking places are taken. Much of the food will in orange packets I feel.
xxxNevertheless she persisted.0 -
Hi Snagggles
Welcome back :T.
Debt free or not we all fight our own personal battles everyday, and you are very welcome back into the warm arms of the DFW board.
I too am paying off an underpayment of council tax and won't get my free Feb & March. :mad: Shame....
Keep going hun, you have managed a complete change of lifestyle since you were last here and its amazing you have managed to stay out of any major debt in the process.
I truly believe that getting debt free is only the first part of the journey......Staying debt free is the TRUE battle.
Its easy for me to not spend at the moment, because I have NO money. I know full well it will get harder as the overdraft dissappears and the debts go down, not to justify the odd blow out.
Keep posting on your diary, I have subscribed. xxx0 -
Hi Snaggles (xtra g) I don't remember you from the first time around but I like your story and the things that you have posted to other people. I am sending good thoughts for a buyer for your Leeds house xMortgage: £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 20130 -
Snaggs has a stalker :rotfl:I 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 -
Aww, what lovely comments to come back to!


I'm enjoying being back here so much. Today has been a weird day. I started off feeling happy and cheery, and had a lovely afternoon, but this evening I'm emotionally all over the place. One minute I'm fine, the next I'm worrying about silly things. I'm burning up and have no energy too, so maybe I'm fighting off some mystery illness. I am working an extra day this week and have two training courses though, so no time for sickness!
Financially, things are...well, in limbo really. I tried to dump my estate agent at Christmas but they seem to have ignored me (they confirmed they had received my instruction to cancel!), and on Wednesday, they emailed (to the wrong email address, which I had also already told them) to say I had a (low-but-acceptable) offer on my house.
As they sent the message to an email account I've all but moved away from, I didn't see the message until Friday, so emailed back pointing out the reason for the delay and saying that although I had instructed them to cancel, if they had a confirmed offer on my property, in the circumstances I'd be willing to go ahead with it.
I haven't heard back from them, so I have no idea if the potential buyer is still interested, or has found something else, or has just decided it is a bad idea. Oh well...time will tell, I suppose!
In the meantime, I ended up having to buy fish and chips for 4 people today, which cost £20. Ouch.
Will definitely be taking sandwiches to work for the forseeable future!
Other than that, things are good really. I think I have a problem with the medication I'm on, and the pharmacy have given me the wrong ones (the right dose but they are supposed to be slow release, and they look to be the normal ones). They still work, but I am getting far more mood swings and bad days than I have been, so I need to order some more and make sure I get the right ones, I think.
The kids' dad rang today - he rings once a week, and if we are not in, he doesn't ring back, just waits another week. Is that rolling-eyed smiley still banned?
He of course complained about not having seen the kids, and grilled my son about why he was having to walk to school on his own, and why he needed a mobile phone (the school is 5 minutes' walk from our house; in fact we can actually hear the school bell, we're so close...and he carries a phone (my old one) just in case he needs to contact me during the day).
I suppose I should be glad that he is taking at least a *bit* of interest, but it does get my back up!!
We moved to Scotland 7 months ago, and we've taken the kids down to visit him most months (it would have been more often, had he not booked his main summer break during term time, so the kids couldn't go away with him). Guess how many times he has been up here to visit them...?
Anyway, that was a bit of a ramble/rant! How is everyone today? Have you had a good weekend?I'm a Money and Debt Adviser for a homelessness and housing charity in Scotland. If you have any questions about debt management and debt relief under Scots Law, just ask.The pain you feel today is the strength you feel tomorrow.0 -
Hi Snaggles - don't know if you remeber me! You picked up a playhouse from me! So nice to see you around again and great to see how things are working out for you0
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Hi Judi, I do remember, thank you!
It was fab and we got lots of use out of it, until some swine stole it just before we moved to Edinburgh. We couldn't have got it up here though, so I am trying to just look at it as them saving me the job of having to move it elsewhere myself.
Hopefully, it was someone who wanted it for their kids, and having a playhouse will offset, in some tiny way, the fact that they have a thieving parent. :cool:I'm a Money and Debt Adviser for a homelessness and housing charity in Scotland. If you have any questions about debt management and debt relief under Scots Law, just ask.The pain you feel today is the strength you feel tomorrow.0
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