Help me... I guess it's time to just reach out and touch...

Sugar_Junkie

Me too could do with something to make me smile... no pressure like

Sea78

And another one pleased to see your return - looking forward to the full update

Sea xx

Karmacat

Hey kiddo! Ooh, spankings! Just what I like:p

However, just to be horribly serious myself for a minute. This is your diary thread, not a party thread, and its early days yet for you. Please remember that this is for *you* - your primary purpose here is not to entertain us (*much* as we enjoy it, absolutely).... right now, its still partly to let *us* help *you* - and of course by focussing your mind help you get debt free. Remember how you managed to find all those credit card debits that had been contributing absolutely nothing to your life? That took concentrated work, sitting there on your own. :money: :money:

I'm just a bit worried for you that the pressure to entertain and give us dragon stories will mean you avoiding the site or whatever.:o I confess, I worry about everyone, okay? I don't usually write it down, there's usually someone stepping in to be Mother before me. I guess, on this thread, its my turn. This sounds awfully, awfully like AA :eek: :rotfl: - its not, believe me, I just want you to get the most out of this site that you can.

Normal service will now be resumed.....:D :A

hypno06

Are you talking about Diary Burnout, Karma?

Now, to continue with the DFW mummies looking after the new eager dragon chasing diarists stuff.....

have you sent off your letters for your bank charges yet.......

PanickingHARD

OK...

Where to start... With this 8roke^ key8oard, i guess... give ^^e a seco^d...

OK...

Changed it... ergh... this one is all clumpy...Apologies in advance for any typos...

Anyway...

Oh yeah, better explain... sorry... I had a Gin 'n' fresh orange-related incident with my keyboard on Sat night... and the b, n and m stick badly now...

Ok... onto matters of larger (or should that be lager) importance... I've had a bit of an odd weekend/Monday...

No, What I mean is I've been a d!ck all weekend, actually...

Oops, almost forgot... THANK YOU THANK YOU THANK YOU...

As you may or may not know, I had people staying all weekend... These people ARE NOT part of my 'Circle of Trust' (Thanks De Nero... I'm definately keeping it...)

I'll start at Morrisons... As that's where I left you...

Against advice, I went to Morrisons... (see line 8... Told ya...)... I'd suggested the staying in Friday nite thing by text message... So 'we' decided to stay in (Thought Process: *hmmm... what's cheap and not crap... Houseparties* - "How about we just have Friday nite in guys? Few drinks... Catch up... Save ourselves for Sat, yeah?"... Phew... total outlay halved... Or so I thought)...

You know... I've come to the conclusion over the weekend that most people would prefer not to blow money... You just have to pro-actively think of alternatives... or everyone returns to default settings and acts like idiots...

Idiot A (usually me): What we doing then?
Idiot B (whoever): Erm...
Idiot A: We could...
Idiot B: .... ......
Idiot A: .... Nah, not on a Friday... Erm...
Idiot B: .... Is that thing on?
Idiot A: .... What thing...
Idiot B: ...That thing... with the bloke...
Idiot A:.... Who...
Idiot B: ... Nah, forget it... it's not...
Idiot A: Soooo...
Idiot B: ... Erm....
Idiot A: Pub?
Idiot B: Pub!...

20 mins later our friends, 'The Idiots' are paying £3.50 for a bottle of Sol (which AT LEAST one of them definately doesn't even like, as it makes him think of drinking candle wax, for some BIZARRE reason) and profusely thanking people they don't know, for charging them something in the order of 200% markup (including the costs of fittings and fixtures - Usually about 15 tins of white dulux, 6 plastic bar stools, 4 red couches, 2 tables and something weird that looks a bit like Jimi Hendrix painted on the wall) for the privilege of standing in their 'Ubercool' bar... It's madness, I tells thee... Madness...

Sorry... where was... Oh, yeah... Morrisons... As we were staying in at mine, and they were driving here... I thought I'd better get some 'provsions' in... As I was at Morrisons anyway, I figured it would be a lot cheaper to get drink etc there, than go to my local 'offie'... I got a couple of cases of Grolsh (on the cheap deal thing), 2 bottles of Smirnoff (sorry... I just can't bring myself to by cheap vodka), 6 litres of diet coke and a bag of limes in addition to my other shop stuff... Which, to answer momisa ( x ), went badly anyway... I got 'very little' of the things I need - although I did take advantage of the BOGOF's, thanks PTB!! x - and 'very lots' of the things I didn't... Why, oh why would I need 4 MASSIVE bags of Doritos? They never get eaten... Everyone uses one bowl, between 5 to OBLITERATE the nacho cheese dip in seconds, then pokes around at the crumbs in the bowl for 10 mins, trying to find one worth getting their fingers covered in cheese by scraping the inside of the jar for... Fails... Gives up... By the time someone realises and offers to get more out, everyone has lost the will for Doritos and is more interested in why a Dean Martin record just came on in the middle of a supposed 'Rock' play list on your iPod... Well... that might be a 'specific to me and my mates' reference, but you get the drift...

So... Erm... Yeah... We stayed in Friday... (although I may have given you a hint about Saturday's affairs, except you'll need Idiots C, D and E... Which only seems to make matters worse, for some inexplicable reason... Surely logic dictates that if you have 5 people thinking of ideas, you'd get more than you would with two... oddly, you get exponentially less... It's a puzzler... It really is... What strange beings we are... etc... )


I just flicked back onto MSE and saw the posts waiting for my post... You're right SJ... No pressure, eh... :eek:



*looks back at what he's written... Jesus tap-dancing Christ... :rolleyes: *



Ok, we stayed in... Had a great nite... The end...

Hehehehe...

Kidding...

We did though...

We ended up sat outside watching the sun rise with a bottle of really crap wine I'd been avoiding for months after we'd run out of everything else... It was, to quote Ken Watanabe (thank you IMDb) at the end of The Last Samurai, "Perfect"... Read it with the accent, it's far more effective...

So on to Saturday... I hope you put aside plenty of time... On my timeline, I'm about 10% through this... Sorry... Sorry, sorry, sorry... I'll get a move on...

We got up... well... I got up, wandered aimlessly for about 15 mins in my pants, smoked, went back to bed, got up again, drank a pint of tomato juice with more Worcester in than is even VAGUELY necessary, made sausage and tomato sarnies, THEN... We (read: They) got up, at about 11 am, under foggy heads, and set about feeding, fighting over the shower, arguing about whether Jesse Malin is 'Morning Music' or not, working out what time we'd gone to bed, saying how ridiculous we were for drinking so much, then getting a drinking agenda sorted for the rest of the day... A few 'needed' some shops... One wanted new trainers, one wanted a shirt (forgot to bring one... hehehe...)...

I live in town... don't know if I've mentioned that... If not, I have a City Centre flat... There, mentioned...

This means it's about 30 seconds walk to a veritable shopping Mecca... (2nd religious reference... watch it young man...). I'll not mention which, for fear of being 'spotted'... on here, I mean... not in public, by you lot... if you know what I mean... Which you won't... I barely do... How are you to be expected to understand the inner workings of my "messy" brain, when I don't?

I guess I gravitated here because of the way I am/was... Plus it's a short walk to work...

Anyway... We wandered up into town and had a nosey about... I bought NOTHING... Yay me... kind of...

By about 1pm, we had changed our names to Idiots A, B, C, D and E, and were furiously hurtling towards the inevitable "Pub?", "Pub!" conclusion, when bright spark here interjected... "Pool Hall?"... Some stunned faces...

"Pool, you say...?"

...

"Manys the year since we've played Killer all day...."

...

"Pool?... Hmmm....?"

...

"Pool it damn well is!!!"

My thought was that we could get a table, and stave off the drinking/spending for a bit... But within a micro-second of saying the words "Pool Hall?", I realised what I was actually, inadvertantly, suggesting was a University Reunion Party...

You see, at Uni, we did 3 things... Drank, Listened to (or played) music and played Pool... We stopped, because it's not good for our health... What happens is we get a table and rack the balls... one breaks, then we take it in turns to shoot... You pot, you stay in the game, you miss, you lose a life, you lose 3 lives, you down your drink and sit down in disgust... The 'winner' in each game gets the 50p a man entrance fee for the jukebox... His, and his alone, to do with what he likes... as long as it's spent on music for the next game... And so it goes... and goes... and goes... and goes...

At 8pm, drunker than the biggest, drunkest barrel of monkeys you've ever seen, we rolled out of the doors of the pool hall and did the customary "Bright Light, Bright Light!" Gizmo thing from Gremlins... In short order, We'd decided that "eating was cheating" and that "only girls went home in the middle of a bender to get changed" so on we went to said Ubercool bar...

I was standing... well... It was kind of like standing, kind of like wobbling and kind of like leaning on things... At about 11:30pm (I think) and what I was doing suddenly dawned on me... Effectively, paying through the nose to be in a place I don't really like, with clientelle I don't really like, drunk and skint... It was all getting a little heavy, cosmically speaking, and my phone went off... Text from the Ex... bad news about the house... that's all I remember reading... I woke up in bed at 10am, with no idea how I got there, 3 people asleep on my floor, 2 in my spare room (one female and a completely new face to me, though hopefully my mate recognised her when he woke up) and a Gin 'n' Fruit Juice stained keyboard in my front room... I think I'd been trying to get on here and confess (3rd religious reference... Last warning)... Obviously without success...

Looking back, it's probably a good thing I couldn't negotiate the login boxes... I was, by all accounts, VERY the worse for wear, and my only credit card not maxed out was something like £130 'heavier', based on the receipts in my back pocket... I think it was one of those "I cannot take this anymore, so I'm going to just crack and give up" moments...

Hmm... Quick break... Back in a sec...

OK... *deep breaths*...

My one real shot at a quick and relatively painless way out of this is, in all likelihood, gone...

To explain, I have got to go and see my ex, then go to the bank and be credit checked before they'll give us the money, as transfering the deeds/mortgage over into her name is going to take months (possibly 6 of them), solicitors, surveys and fees... The only way to get this money is leaving my name on the mortgage, and borrowing the amount she needs to buy me out...

I am about as likely to pass ANY KIND of a credit search now as I am to sprout wings and take flight... Just like a dragon... See... even when miserable, I make sure you get your fix...

To say it really "bummed me out, dude" is the understatement of the year... seriously... And even in the cold light of day (actually, its dusk, at best), I'm trying to see the positives in this, but there aren't any... there really aren't... I want to stay focused on the good and positive things I've done over the last few weeks, but they are begining to seem like very small drops in a very large ocean...

That said...

As you may have noticed, I'm not actually that down... I couldn't be... I've just spent two hours joking about my weekend... And the truth of it is, deep down, I'm not... Thats a BIG realisation for me... I still know that I need to get out of this... I know I need to find some way to make in-roads into this debt... None of that is any different to before... I've still got the same millstone round my neck, it's just made of tungsten, rather than the balsa wood I'd been hoping it was going to be... It took me until last night, well, this morning, at about 4am to realise that... Oh, and just to make matters worse for myself, in typically self-destructive fashion, I went out, straight from work on Monday, and sat in a quiet, miserable bar with Sherlock, and drank like a man possessed. He's good help though... Not anything actually useful, per se, but he clears my mind... Mainly because all he talks about is woman's !!!!!! and the relative merits of one flavour of crisps over another (Prawn Cocktail wins, for various obtuse reasons, in case you were curious... I can go into them another time perhaps, if I run out of literary steam)...

I guess the moral of the story is don't count your dragons before they've hatched... and, preferably, are flying round your house, breathing their first 'oh-so-cute' puffs of smoke at you...

Or something like that anyway...

On the positive side, even in my miserableness, I had one strand of hope... one thing to focus on... THE UNNECESSARY CHALLENGE... Total spend yesterday, £1.67 (BAD), total spend today £0.44 (GOOD)!!!!

See... you people are saving me, one silly challenge at a time!!!!!!!

I've not worked out how bad things now look, and I'm going to leave that until after I know for certain that I can't get this money... for now, I'm going to just focus on spending as little as I possibly can, and maintaining a positive attitude... I WILL GET OUT OF THIS SITUATION... I swear it to you, as sure as I sit here in a pair of oversized diesel shorts (going on e-bay tomorrow, after a wash obviously) and a white vest... from topman... so not really worth anything...

Sorry this got a bit doom-and-gloomy and didn't really have much in the way of money saving help/hints/tips... in fact, it was quite the opposite... but it did have dragons... focus on that for now... IT DID HAVE DRAGONS...

Love to you all... as always, to the men, in a non-gay, manly kind of a way...

xxx

hypno06

Fab post :T

But, just one thing.......surely it is not wise for you to be on the mortgage jointly with the ex, when at the same time, the amount of the said mortgage is being increased.

What happens if for some reason she defaults.........you will be liable surely?

I know you need the cash, but this seems quite risky to me?

Sea78

WOW! What a weekend And it sounds like you had fun

I don't really know what to say - we've all (well, a few of us) have done something similar, and it doesn't mean you aren't going to still become debt free
I love the fact that you were trying to get on here when v !!!!ed though - wish you'd succeeded hehe

Sea xxx

PanickingHARD

hypno06 wrote: »

Fab post :T

But, just one thing.......surely it is not wise for you to be on the mortgage jointly with the ex, when at the same time, the amount of the said mortgage is being increased.

What happens if for some reason she defaults.........you will be liable surely?

I know you need the cash, but this seems quite risky to me?

I totally understand your concern, and if it was with ANYONE else, I'd agree... a) she'd NEVER, EVER default... and b) is the most trustworthy person on earth...

I've known her since I was 11 years old... I'm safe... Honestly...

But thanks for caring about me!!!

Karmacat

Fab, indeedy. I'm glad it was all dragons and drunkenness. The finances sound really complicated: is there some kind of Deed of Variation you can use, like with a will, to cover the point hypno raised?

shoppergal

fab thread panicking hard.

one thing that i noticed was in your SOA you mentioned rent or a mortgage of about £800. Is that right? Could you not reduce this by sharing or finding somewhere less expensive(maybe you posted this somewhere along the thread, i confess to skimming, i planned on being in bed an hour ago)