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Puzz tries again.. this time with claws... My DMP Journey. I will get debt free...

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  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Hope you found your smile Puzz, It's not like you to not have one:(

    when I feel down I do this (alongside a cuppa)
    :EasterBun
    (sorry couldn't find one with a choc reindeer:D
    I love that you are packing off the Christmas grumpies :beer: wish I could do the same!!! :rudolf::


    love
    NOAh
    x

    Thanks Noah. xx
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    :j:j Glad to say I feel much better today...:j:j

    Still appear to have lost my work mojo, but hopefully will find it soon... spent the afternoon in the office with my many mad work colleagues and that brightened me up....

    In the evening dd was a bit glum on the phone, she was stressed about the state of the bathroom and kitchen, 2 of the girls are a little mucky apparently... she then decided to go and do some cleaning and the 4th girl joined in (not the mucky one's) and they did the 2 rooms and dd is now much calmer... also arranged to go down for lunch on Sunday with OH as he will be away when she's home the following weekend..:D

    So fingers crossed for a more smiley rest of the week.. well only 2 more days for me as I am off Friday taking LM mobile phone shopping....

    Still very chilly in my house despite the heating being on and I now have a cat on my lap.. but a cup of tea in the kitchen.. oh well he can have 5 minutes.. and I shall head to the office again later and get out and about doing visits the other days..

    No money news... 2 weeks till payday.. no socials planned for November, just dd's train tickets to pay for..

    Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Hump Day...

    And my mojo has done a serious bunk this week... I am fighting my grey clouds and do have appointments tomorrow but otherwise I am writing this week off and will start afresh on Monday....

    I have received a letter from wesc*t saying they are now investigating my complaint about my natsvest cca.. well they bought the debt literally the same time as I cca'd Natsvest.. wish they would just hurry up and agree its UE, I would love to write off this one as its just shy of 9K....:D I haven't stopped paying this one or the M & S one that I am still waiting for 2 months and counting... as its such a faff setting them up again but I should as it might speed up the decisions...

    Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Sending a :) to anyone who needs one today...xx

    Keep On Smiling

    © Alexandra Skiathitis

    Published: February 2008

    If at times you feel you want to cry.
    And life seems such a trial.
    Above the clouds there's a bright blue sky
    So make your tears a smile.

    As you travel on life's way
    With its many ups and downs
    Remember it's quite true to say
    One smile is worth a dozen frowns.

    Among the worlds expensive things
    A smile is very cheap
    And when you give a smile away,
    You get one back to keep.

    Happiness comes at times to all
    But sadness comes unbidden
    And sometimes a few tears must fall
    Among the laughter hidden.

    So when friends have sadness on their face
    And troubles round them piled
    The world will seem a better place
    And all because you smiled.

    The end
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • NoOneAround
    NoOneAround Posts: 1,842 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    :):):):):):):):):):):):):):):):)
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • that made me well up
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Puzzcat wrote: »
    Sending a :) to anyone who needs one today...xx

    Keep On Smiling

    © Alexandra Skiathitis

    Published: February 2008

    If at times you feel you want to cry.
    And life seems such a trial.
    Above the clouds there's a bright blue sky
    So make your tears a smile.

    As you travel on life's way
    With its many ups and downs
    Remember it's quite true to say
    One smile is worth a dozen frowns.

    Among the worlds expensive things
    A smile is very cheap
    And when you give a smile away,
    You get one back to keep.

    Happiness comes at times to all
    But sadness comes unbidden
    And sometimes a few tears must fall
    Among the laughter hidden.

    So when friends have sadness on their face
    And troubles round them piled
    The world will seem a better place
    And all because you smiled.

    The end

    That's lovely, Puzz:T. An inspiration to all of us.

    After your lovely and caring PM:A I've given myself a good talking to and have made myself try to impose some normality on my life again (if anything in cbc-land could ever be considered normal:rotfl:).

    Now to give myself few kicks up the rear to get my debts sorted once and for all. I've been fiddling with my signature and will try to get myself up to date with developments in debtland asap.

    Hugs to LM and LF
    Take care xxx
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    That's lovely, Puzz:T. An inspiration to all of us.

    After your lovely and caring PM:A I've given myself a good talking to and have made myself try to impose some normality on my life again (if anything in cbc-land could ever be considered normal:rotfl:).

    Now to give myself few kicks up the rear to get my debts sorted once and for all. I've been fiddling with my signature and will try to get myself up to date with developments in debtland asap.

    Hugs to LM and LF
    Take care xxx

    :j:j:j welcome back cbc here's a dodgy hug....:grouphug:

    Love Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Happy Friday and my weekend started today....:D

    Took LM to get a new smartphone instead of the 10 year old broken nokia she has been working with.. then spent the afternoon teaching her how to use some of the basic tasks... think it may be awhile until I hear from her again....:rotfl: I am sure she will get the hang of it eventually...!!

    LF has started his treatment and seems in reasonable spirits at the moment.. or maybe just drinking lots of spirits...

    The Natsvest cca saga continues.. Having originally cca'd them they promptly sold the debt at the same time to cab*t/wesc*t not sure who now.. NW sent me a dubious cca which I was told was UE so I then sent the appropriate letter to NW who then said they are investigating and then yesterday I got a letter from the dca saying they were investigating and today I got a letter from NW saying its not down to us its down to the dca.... oh well I expect someone will give me an answer when I stop paying them at the end of the month....

    Right off to chill now after my Phone teaching session this afternoon, I am quite worn out now...!!!

    Puzz. x
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Have a smiley week Puzz :)
    NOAh
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
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