If you only knew how much you have helped me

tigzem

Hi Icka,

Welcome to MSE and DFW.

These guys have inspired me no end to sort my financial mess out.

You sound really positive, keep smiling and posting, they are a lovely bunch.

xxx

icka

Morning All

Its Sunday and Ive already been up for about an hour, I have managed to shower, shave my legs (well they werent that bad since I did them on Friday) Maybe if I do them more often it wont seem like such a chore, and I put some Johnstons holiday skin on. So so far its looking good also managed to tidy my bathroom, its amazing what moist toliet tissue can do. And I'm just about to put a wash on. Going to clean the kitchen and maybe just maybe Ill hover - woo don't do it I hear you say. I hate hoovering will do anything to get out of it yukk.

Oh my mood is positive so many wrestling with the hoover under the stairs would not be a great idea. Yea good call, leave the hoovering someone else could do it.

Have to do everyting before OH comes back he was down the country at home after our fight, he wants a big talk with me today. Don't think I can cope with it to tell the truth. Actually the thougths are starting to make me panick:eek: :eek: :eek: Ok I'm not going to think about it, going to get on with the cleaning. Then I'm going to do my SOA. everything is going to be fine.

Think I might walk, to the shop :T not drive, walk, well its not that far, just the end of the road and I am hankering after a bacon sarnie. emm emmm bacon.

Oh I have to go stuff to do, things to clean, bacon to buy

Chat later

Icka

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icka

Hi Guys

I have sort of worked out what I owe

Car Loan 3627.39 11.2%
Top up Loan 1650.34 9.8%
Credit Union Loan 960.00 ???
Over Draft 1000.00 19.6%
College Loan 3450.00 11.2

Ok Think thats it

icka

Sorry still have not worked out how to post properly

What I owe continued


Im in court on Monday tomorrow :eek: :eek: I didnt pay a traffic ticket. DIdnt have the money at the time and now I will probably have to pay a 200-400 fine tomorrow:mad:

I have to get my car NCT'd this week, I need new brakepads and my clutch is sticking etc etc. God only know how much that will cost.

I owe my Mum €5,000 and it was my brothers wedding 5 weeks ago and I have to pay my part of the gift to my baby brother €350 asap.

I know its not as much as some people but its huge for me. I also have college fees again in September €3600, which I can pay half September, Half the following December. My company said they will pay half the fees but only when I get the results and they are all C grades or above in June 2008. However I dont think I canrely on that as I we are going through an acquisition in Sept and there will be loads of lay-offs and you dont really need a recruiter, when you are laying people off. So I think Im going to be let go by then.

My rent is €600 per month, I live in Dublin rent is really high
Phone €50 per month, was €150 but I have a company phone now and I also copped on to myself.
Bills €115 per months (thats going on this months bills)
Bin charges €30 per month
Petrol €60 per month, Pending if I go home or not if I do it can be an extra €40 per month.
Food €200 per month, Live with OH and horrible flat mate and they are very expensive to feed. But hopefully this is not the case this month. This could end up being more.

Entertainment - guess it changes I dont really like to go out, but say friday was OH birthday and it cost me a fortune

I have to Hair/clothes/Makeup/beauty €80 per month It really depends


Oh Gosh I forgot I owe my ex €500 and he is being really nasty about it. So Ill have to pay him straight away when I get paid.

I dont know how much I am going to get paid as this will be the first time with the new company, so as soon as I know I will let you know.

Did I leave anything out

My car tax and Insurance is €90 per month. Not been driving that long so my insurance is quite expensive,

Phew

kiwigirl

Why don't you stick the positive pointers somewhere where you can see them when you feel a bit down and see what you've accomplished, that will make you feel better.

Other's will come on soon about your SOA. But could you ebay some of the things in your house? What about some survey's?

You also say you've not been driving that long, what about Pass Plus or Advanced Driving to help a bit with your NCD? have you checked your insurance to see if it'd be cheaper to put OH on it too? Sometimes it's cheaper with someone else driving it - he doesn't need to drive it, my insurance is cheaper when I put my parents on policy than just me to drive! And I've got 9 years NCD.

cat4772

Icka, Hello and welcome (sorry, only just seen this post). You're right, MSE & DFW are defnitely helping more people than they would dream about, let alone realise (me included)!

Your ex-OHs mate sounds like a real jerk - and if OH didn't stick up for you then so is he (definitely doesn't deserve you).

Sending you a massive :grouphug: and I *know* that with the support of EVERYONE at MSE and DFW you'll be debt free in no time.

Take care, Cat.x

icka

Hi Guys

Went to work this morning early was in for 7.45:T :T I rock. Then had three interviews. Went to court in the afternoon which was nothing to be worried about. Nothing happened he asked was it my car I smiled and said yes and he gave me a 40 quid fine :rolleyes: well it could have been worse I was expecting to be locked up never been to court before.

Anyway been back to work since 4 did three more interviews. I'm totally drained and I'm going home. Only 7 days until pay day. So I can start making a stab at paying some bills.

Quite looking forward to it.

All in all its been a weird but productive day, felt like I was on the set of Judge Judy earlier. Not half as exciting.

Anyway hope you are all in good form. I was very bold had loads of sweets today. But no more from tomorrow was so stress about the court. I know its a pityful excuse, but I promise I'll be really good tomorrow

Chat later

Icka
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