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

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  • PanickingHARD
    PanickingHARD Posts: 100 Forumite
    Karmacat wrote: »
    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?

    I have no idea what that is, but as I said, I trust her, completely, and this is about speed... faster the better...

    I know there is a little risk there, but assessing it, the better option is a little risk + speed...
    Total Debt at LBM 30/05/2007: £28,720... I... Am... Calm...

    Trying to repay my biggest debt first... the one to you lot!! :A

    543... It seems I AM just a number... despite my protestations to the contrary!! ;)

    Resolutions: 1, no food from 'Convenience' places during the day. 2, No Phone bill over £35 limit... EVER. 3, Fess up to Dad (Achieved). 4, No More Digressing! 5, Put expenses in regularly. (Achieved). 6, From now, I only pay cash. (Achieved). 7, Claim back my bank charges!
    Unnecessary Challenge Week 2: £2.11/£10.00... kinda
    "Proud to be dealing with my debt!"... And going insane while I'm at it, clearly!
  • PanickingHARD
    PanickingHARD Posts: 100 Forumite
    shoppergal wrote: »
    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)

    I'm in a 6 month contract (1 month in)... plus it saves me a fortune not having to park in the city centre every day...

    But either way, I could only alter it in 5 months anyway...
    Total Debt at LBM 30/05/2007: £28,720... I... Am... Calm...

    Trying to repay my biggest debt first... the one to you lot!! :A

    543... It seems I AM just a number... despite my protestations to the contrary!! ;)

    Resolutions: 1, no food from 'Convenience' places during the day. 2, No Phone bill over £35 limit... EVER. 3, Fess up to Dad (Achieved). 4, No More Digressing! 5, Put expenses in regularly. (Achieved). 6, From now, I only pay cash. (Achieved). 7, Claim back my bank charges!
    Unnecessary Challenge Week 2: £2.11/£10.00... kinda
    "Proud to be dealing with my debt!"... And going insane while I'm at it, clearly!
  • PanickingHARD
    PanickingHARD Posts: 100 Forumite
    Ok... Nite all... not that any of you are up...

    No one in here but us insomniacs!!!

    :D
    Total Debt at LBM 30/05/2007: £28,720... I... Am... Calm...

    Trying to repay my biggest debt first... the one to you lot!! :A

    543... It seems I AM just a number... despite my protestations to the contrary!! ;)

    Resolutions: 1, no food from 'Convenience' places during the day. 2, No Phone bill over £35 limit... EVER. 3, Fess up to Dad (Achieved). 4, No More Digressing! 5, Put expenses in regularly. (Achieved). 6, From now, I only pay cash. (Achieved). 7, Claim back my bank charges!
    Unnecessary Challenge Week 2: £2.11/£10.00... kinda
    "Proud to be dealing with my debt!"... And going insane while I'm at it, clearly!
  • webitha
    webitha Posts: 4,799 Forumite
    not much to add apart from hi as i have just read your thread
    If we can put a man on the moon...how come we cant put them all there?

  • PanickingHARD
    PanickingHARD Posts: 100 Forumite
    webitha wrote: »
    not much to add apart from hi as i have just read your thread

    Thanks for dropping by!! ;)

    And for being up so late to keep me company... I really am going to bed now though... I have to be up for work in 4 hours...
    Total Debt at LBM 30/05/2007: £28,720... I... Am... Calm...

    Trying to repay my biggest debt first... the one to you lot!! :A

    543... It seems I AM just a number... despite my protestations to the contrary!! ;)

    Resolutions: 1, no food from 'Convenience' places during the day. 2, No Phone bill over £35 limit... EVER. 3, Fess up to Dad (Achieved). 4, No More Digressing! 5, Put expenses in regularly. (Achieved). 6, From now, I only pay cash. (Achieved). 7, Claim back my bank charges!
    Unnecessary Challenge Week 2: £2.11/£10.00... kinda
    "Proud to be dealing with my debt!"... And going insane while I'm at it, clearly!
  • PanickingHARD
    PanickingHARD Posts: 100 Forumite
    Bed, Bed, Bed... go to bloody bed!!!!

    Grrrrr....

    ;)
    Total Debt at LBM 30/05/2007: £28,720... I... Am... Calm...

    Trying to repay my biggest debt first... the one to you lot!! :A

    543... It seems I AM just a number... despite my protestations to the contrary!! ;)

    Resolutions: 1, no food from 'Convenience' places during the day. 2, No Phone bill over £35 limit... EVER. 3, Fess up to Dad (Achieved). 4, No More Digressing! 5, Put expenses in regularly. (Achieved). 6, From now, I only pay cash. (Achieved). 7, Claim back my bank charges!
    Unnecessary Challenge Week 2: £2.11/£10.00... kinda
    "Proud to be dealing with my debt!"... And going insane while I'm at it, clearly!
  • webitha
    webitha Posts: 4,799 Forumite
    lol yeah me too off to bed
    If we can put a man on the moon...how come we cant put them all there?

  • Lizalu
    Lizalu Posts: 437 Forumite
    PH, just wanted to say I'm still reading and enjoying every minute!
    Thread is very funny and I'm glad you're not letting things get you too down. But before you next go out to town with your red paint, send off the letters for your bank charges. I sent just two letters to MBNA and got a cheque back with no problems... alright I only had £100 worth of charges but it really is easy and worth the time. Go on... give it a go.
    odi et amo
  • PanickingHARD
    PanickingHARD Posts: 100 Forumite
    Lizalu wrote: »
    PH, just wanted to say I'm still reading and enjoying every minute!
    Thread is very funny and I'm glad you're not letting things get you too down. But before you next go out to town with your red paint, send off the letters for your bank charges. I sent just two letters to MBNA and got a cheque back with no problems... alright I only had £100 worth of charges but it really is easy and worth the time. Go on... give it a go.

    Oh... right... MBNA... meaning you claimed back off your credit cards too??

    I have one question about that... By claiming back charges from CC companies, do you lose their 'goodwill' too? I can't afford for them to get hissy about ANYTHING at the moment... I need them to be fully on my side as I pay this off... unless I can get a balance transfer for it all... otherwise, I'm in trouble... Because I can't have them putting me on a payment plan, or anything like that, as if it goes on my credit record that I've got financial problems, I could lose my job... VERY easily... :confused: :eek:
    Total Debt at LBM 30/05/2007: £28,720... I... Am... Calm...

    Trying to repay my biggest debt first... the one to you lot!! :A

    543... It seems I AM just a number... despite my protestations to the contrary!! ;)

    Resolutions: 1, no food from 'Convenience' places during the day. 2, No Phone bill over £35 limit... EVER. 3, Fess up to Dad (Achieved). 4, No More Digressing! 5, Put expenses in regularly. (Achieved). 6, From now, I only pay cash. (Achieved). 7, Claim back my bank charges!
    Unnecessary Challenge Week 2: £2.11/£10.00... kinda
    "Proud to be dealing with my debt!"... And going insane while I'm at it, clearly!
  • PanickingHARD
    PanickingHARD Posts: 100 Forumite
    Ohmygodithinkivelefttheironon!!!!!!!!!!!
    Total Debt at LBM 30/05/2007: £28,720... I... Am... Calm...

    Trying to repay my biggest debt first... the one to you lot!! :A

    543... It seems I AM just a number... despite my protestations to the contrary!! ;)

    Resolutions: 1, no food from 'Convenience' places during the day. 2, No Phone bill over £35 limit... EVER. 3, Fess up to Dad (Achieved). 4, No More Digressing! 5, Put expenses in regularly. (Achieved). 6, From now, I only pay cash. (Achieved). 7, Claim back my bank charges!
    Unnecessary Challenge Week 2: £2.11/£10.00... kinda
    "Proud to be dealing with my debt!"... And going insane while I'm at it, clearly!
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