Shamus dfw diary- a long long road

shamu95

Right ive just rang abbey and they said they couldnt reduce the interest rate. But they have said they wont increase it so i guess that is a good thing.
Work has just rang and ive got pat testing tonight so i'll have a late night. But am hourly paid so at least it means more money for me but when can i sleep?

Shineyhappy

Hi Sham!

Sorry to hear you are tired and busy. At least the debt will be going down every second you are there.

Good luck with your bank charges claims, I have just sent mine off to lloyds but it's only 480, so not that much really. Would still be nice to get though, thats a huge chunk off a credit card!

At least it wont be long before you are sub 30k and that is such a milestone so keep aiming for that and thinking happy thoughts!

shamu95

Thanks everyone,
Im off to give my face a good scrub before i go to work.
I need a good kick into shape. As OH reminds me i should have thought about this before it got this bad. Hindsight is a wonderful thing. Anyway i will pick myself up yet again for about the millionth time.
May ask the postman to stop bringing my mail.
Hopefully i'll be back tomorrow like a zombie with the 3 hours sleep i'll get tonight.(no that isnt an exaggeration either)
Must get stuck into that £1k challenge.

lynzpower

shamu95 wrote: »

Thanks everyone,
Im off to give my face a good scrub before i go to work.
I need a good kick into shape. As OH reminds me i should have thought about this before it got this bad. Hindsight is a wonderful thing. Anyway i will pick myself up yet again for about the millionth time.
May ask the postman to stop bringing my mail.
Hopefully i'll be back tomorrow like a zombie with the 3 hours sleep i'll get tonight.(no that isnt an exaggeration either)
Must get stuck into that £1k challenge.

I dont think you need a "good kick into sghape" i think, quite rihtly you are swamped with trying to keep your family together, trying to get out of a major debt, and working 2 jobs plus everything else - ebay etc, without the support of your OH.

Your OH sounds like hes kicking you when you are down , and i really dont think its on hun

im doing the 1k challenge and Ive just posted up a load of quidco goodies, so take a PEEP at it some other time.

repeat to yourself I CAN ONLY DO WHAT I CAN DO xxxx

Ignatius_A

Total £31,1194.24

I think you need to check your signature - and thank God you don't owe quite *THAT* much :rotfl:

keep it up - you're going in the right direction.:T

shamu95

Hi Ignatius_A.
Havent included my £36k secured loan on my sig. I think i will when i next update. Am not putting mortgage on though as that would be depressing!!

Anyway just a quick update. I am so very very tired. Lynzpower i will be doing your quidco things tomorrow and im going to attempt to get a current accout with A&L (£50 i think- hope they accept me)
I have also made the decision that you've all be telling me- my savings have been cashed so should be with me within 28 days????
Question is-what do i do with them?

Spoke to my dad re missing money. He has checked and i am right. Solution for me would have been lower payments or the extra £500. Solution for dad when i rang him in tears i might add. Well we will just reduce the term and you'll have paid it off sooner. That helps lots. He also said that things cant really be s bad as i say and that i will manage to sort it and be laughing about it this time next year. Great help!!

lynzpower

Oh Im so sorry that things are still so tiring.

Shamu, can you run a bath now and have a nap for an hour or so?

being knackered is no help, armies march on thier stomachs, but sleep is vitally important. Quidco will be there later my love. xx

shamu95

Ignatius A- lol. Just realised what you meant. Thankfully you are right i dont owe that much!
Blimey ill feel well chuffed on my update as ill have reduced it dramtically.

Thanks for making me chuckle

lynzpower

Also - make sure you REDUCE the debt to dad in your sig, thats 500 "paid off" in one swoop.

shamu95

Wish i could have a nap but have the kids a 3&4 year old and start work at 4. leave house at half 2 to pick OH up drop off and go to work.
Isnt my life just great. Ithe sig debt to my dad is correct unfortunately.
On the bright side after last nights late night and my other rather late shifts my next pay packet should be rather bulky. And as its extra it can go towards the £1k challenge!!