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Time to be completely honest

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Comments

  • taxi73
    taxi73 Posts: 20,815 Forumite
    ok let me know if you're struggling
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Well, just spoke to HSBC and they have defaulted me as my payments haven't gone up enough in my DMP. Ah well. Hope it will go to the DCA soon so that my payments aren't eaten up totally by interest every month :(

    Off to town in a min as just realised I have no creme fraiche for kedgeree tonight - grrr. Wonder if fromage frais will do the same job?
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • pania
    pania Posts: 8,258 Forumite
    hey sea, has anyone taken you up on harry yet? If not i'd desperately love to have a read and promise to pass it on!! xx
    debt @05/11/11 £12210.63!! slowly chipping away!!
    :heart2:impossible is nothing.:heart2:
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Pania - PM me your address asap and I'll send it off today :D
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hi all,

    Well, I'm going to take it easy today and hope that I'll feel a little better for it too. I think I over did it yesterday!

    Got to take passport app to post office and send various things - presents etc. Also got to get a few bits at the shops (top up shop) but shouldn't have to spend too much.

    Returning to Slimming World tonight - I know I've put on quite a bit, but I can slowly get rid. Slow and steady eh?

    Got a few bids on Ebay items. Need to list some more today :) Going to list some of those free DVDs from the paper and a Tumble Tots bag (BNWT so hopefully it'll go for more that 99p!).

    Hope all are well today - not a good line drying day so might have to use the dryer if it continues to look as rain threatening as it does now!

    Sea xx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hi

    Well feeling pleased as I was able to hang the washing out today (small things eh?). Have just taken some heavy duty painkillers and feeling a little out of it, so forgive me if I carry on today!

    I had an awful shock at the bank - checked my balance and realised there was only £100 left for the WHOLE month!! Then I realised I'd spent loads of money and not transferred the money back in from all my different savings pots (birthdays, clothes etc) so quickly did that when I came back. I couldn't get anything for OH apart from (ahem) a car duster - wow, exciting. But then he rang saying he wanted a stand for the TV that costs a bloody fortune so he's not getting anything else if he's considering wasting money on things like that!! I have actually got birthday money saved that would pay for it if he really wanted it and then he wouldn't have to use living money...I'll think about it!

    HAVE to get things listedon Ebay now so that I can get some holiday spending money as the DMP is beginning to bite now. the last olympic challenge really did take the edge off! I know I should use it towards the debt, but we have such a long way to go, I'd rather have a little spends so that we all don't go mad.

    This Flylady stuff is really getting in my head now - it's quite scary! Today I did my morning routine and the zone mission AND a 15 min declutter. Madness!

    Sea xxx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Wow you did a lot..but young lady you are meant to be taking it easy!!!..well at least you could replace the money out of the pots..so I bet that felt good...good luck with e-bay
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Hi Sea, my enthusiasm with flylady lasted about 10 mins :o

    It is a bit like a diet - always there to start again tomorrow......or next week:o
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Yes - I agree - but you can see the effects much more quickly than any of my diets lol :)
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • taxi73
    taxi73 Posts: 20,815 Forumite
    I wonder if housework and diets are related?
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