Shamus dfw diary- a long long road

shamu95

Hi- thanks for having a look. I owe such a scary amount- havent even included what i owe my dad and i know that my loan settlement is over £41k ouch.
That is my correct essentials after tigtening my belt on everything possible.
As for savings i am prepared to cash em in-have stopped it for moment though due to switch over of bank accounts- do not want that money to get lost in any way shape or form.
I am so glad that i am not alone in what i owe and how i am dealing with it.
Had a wobble this afternoon and have spent money eek. Bought son some slippers £4 and daughter some shoes £5 and Oh a box of chocs £4.50 and dinner was £8.70. Am a bit annoyed with myself about this.

How are you doing?- hope you now at home relaxing!!

Ps sold another ebay item for £10.50 so thats £34.50 in sales in two days.xx

SortingIt_2

Hey there,

Sorry not been on and posted before - only just finished my dinner and sat down!. OH now at pub so can relax properly and log on with no interuptions!!

Excellent stuff on the ebay! It all helps! It will be good when you can cash in your savings, plus when you get your bank charges back you'll be laughing with a lump sum to pay off your debts - yippee!

Don't beat yourself up about the spends - I did the same last friday brought two tops for £19.20 at the time I thought well done me for finding two tops for less than 20 quid but all this week I kept thinking how naughty it was... maybe that was contributing to my moods??

Re SOA - I would say cash in your savings (obviously when you can) . Chase up the pension and gym too if you can find the time as that will save you some pennies the sooner it is done.

We both have such a large amount of debt so can keep eachother going and we WILL get there honey, it will take time but each month we are getting nearer and over time it will get easier.

Do you have any nice plans for this evening? xx

shamu95

Hi- thank god we are not alone. Have had a really good chat with OH and cleared the air which is so good. He said he will help me and i dont need to pay anything onto the £2k+ cc as his bro has a balance on there so his payment covers the min which is £64 a mth i can use to pay on something else.
Maybe just maybe i will be in a good place this time next year-as will you be when that loan of yours stops.
Am gonna have an early night tonight.
Hope you are relaxing. Also forgot to ask bfore but are you going to blackpool?

*zippy*

Hi shamu

I don't think I have posted on your diary, but have been reading and just wanted to say well done hun.

zippy x

lynzpower

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DO ONE SPAMMER :spam:

shamu95

Well another day has gone- i am so so tired. And am at work tomorrow- have done nowt at all but sit on my bum since got home.
Been a long long day and im back at work at 6am.
No energy to even work out my new figures.
Made an appointment with docs on wed to see if this is sheer exhauston or lack of iron as have never felt so drained although emotionally i am back to myself.
At last i can feel a light.
Hope everyone having a good weekend

Tesco_points_addict

I am incredibly tight and has cost me my best mate

aWWW, ME TOO, TIGHT that is! Most of my friends think its funny...I think!
I always make a joke out of it by mentioning it first although my new saying is...I'm not tight i'm frugal!

Just wanted to wish you all the best...beter to be tight than skint!

xxx

SortingIt_2

How you feeling today? Hope you are resting after your long shifts. I have had me a great weekend but slipped up on the old money - weekend to myself is not good! Went out with mates, stayed out til gone 4am and feeling a little bit worse for ware with a hangover and £80 down!!! OMG!!! Great night though and OH thinks that I needed it and was not in the slightest upset about spending the money etc rather than paying off debts.

Now back on to the debt busting again - going to sit down and do a full overview of finances this week look at suppliers etc and make sure I am doing the best I can. OH off end of the week so don't need to worry about cleaning flat etc and he can do that so this week will be spent on me and my finances I think, oh and work - boring!

How you getting on with your new SOA? Worked it all out yet?

shamu95

Morning all- had such a busy day yest didnt even get to log on.
worked a 6-3 came home changed and back into town with kids to see noddy. Home again to pop em in bed then out for my ms meal. then dragged out clubbing.
Havent managed to sort out my SOA but have snowballed using the figures that i have been paying so far and it says i shall be unsecured debt free in 3.6 years. not including my dad tho
Rang dad yesterday and asked if i could just make him nominal payments each month and he said no- said i sounded much happier and he wants me to get sorted as he is in no hurry for the money and he does know i will pay it back.
Sorting it- i am so glad you had a great night out-think you needed it. We cant be tight all the time.lol.xx

shamu95

Right the postman has been and there are no bills again- rather worrying as havent had any for a while which is rather strange- hope they havent got lost in the post.
The other thing i want to ask and i know this is prob the wrong place but has anyone any ideas for court bundle? I kinda know what i need to put in it but have no idea where to get the info from such as similar case notes and ts&cs.
Am getting rather anxious about this.