IA's 'Does my bum look big in this Debt?' Diary

JET34

and another vote for ashton's!! the little packet's could be mistaken for something else but they are so good!!!

ZTD

immoral_angeluk wrote: »

On the bright side though she is soooooooo close to crawling it's unbelievable... just need to wait for her to twig if she moves her hands and knees that she'll be off... then all hell breaks loose and Sar ends up back on anti depressants!!! :rotfl:

Or ties bungee rope to her ankles...

barnaby-bear

immoral_angeluk wrote: »

I'm confused.. lol.
Would it help to over pay for the whole term or just save up to pay it off in October 08?

http://www.maggenhoof.co.uk/mortgage/mortgage_help3.php

Actually that site's quite good explanation (although it says mortgage it could be about any loan or CC interest), the repayment bit about how at the start of the loan you pay loads of interest because the lump sum you owe is big. I imagine that at the 24% interest rate if the settlement fees aren't daft that if you can repay as much of the lump sum owed as fast as possible you'll get rid of the sharks and save money. The bit we found that helped us is to make sure when free of the cost of this car to put a bit aside like a bus pass (pay-as-you-drive) so next time don't touch these monsters with a barge pole...
I'm sure there must be some articles/threads on the best way to extract yourself from car credit as cheaply as possible.... anyone???

barnaby-bear

immoral_angeluk wrote: »

well.. on wednesday.. I don't want to jinx anything.. you know our luck!!!!!

Did you know you can send off for an extra years warranty on citicard for electrical appliances bought on the card, which means the Xbox thing could be covered for two years (you have to apply usually) so Steve's box-thing might avoid another three rings of red fire death?

You might hate them and they've had your money, might be worth getting as much as you can back,...

tigzem

Morning IA - just wanted to say a HUGE thank you for helping me with the shopping list.... I've made a few amendments, ie added some quorn mince, fabric cond etc, but so far I'm still under £40!! There were a few things I didn't need right now as got some here still which I'll be taking with me.

Thanks so much.... I'd have really struggled getting all that for under £50.

I won't be online at home now, but will pop on at work. I work mon/tue/fri. I look forward to seeing Citi gone on Wed... take care and give the girls a kiss from me xxx

immoral_angeluk

tigzem wrote: »

Morning IA - just wanted to say a HUGE thank you for helping me with the shopping list.... I've made a few amendments, ie added some quorn mince, fabric cond etc, but so far I'm still under £40!! There were a few things I didn't need right now as got some here still which I'll be taking with me.

Thanks so much.... I'd have really struggled getting all that for under £50.

I won't be online at home now, but will pop on at work. I work mon/tue/fri. I look forward to seeing Citi gone on Wed... take care and give the girls a kiss from me xxx

Glad I could help hun!!! Let me know how you get on!

immoral_angeluk

Morning all... the £33.01 cheque from envirofone arrived today.. so going to nip into town and bank it as Ste wants to get something for the Wii anyway with his credit notes. I'm sooo going to rub it in on monday when it arrives and he's at work.. :rotfl:

Also does anyone know if you can use the tesco clubcard vouchers for petrol? Looked on the back and it said you couldn't use them for esso fuels but not tesco....

DisillusionedAnna

Just a good morning from someone local to you, I have to say thanks to you for being the inspiration for getting me off my !!! and doing something about my financial situation,Ive kind of lurked daily reading your diary and being amazed at the way youve chipped away methodically at your debt and also at your cheery attitude towards it.
Congratulations on all you have achieved:beer: , and doubly so as you have two young children (who look adorable) and various problems that life chucks at us all.
Please dont underestimate the impact you have had,especially on me,in this day and age of giving up at the first hurdle, your a refreshing blast of air to be able to refer to.
Im off now to try and emulate a little of the fantastic things you have achieved,first step being Lightbulb moment and SOA posted:eek: , been putting it off far too long, so the quicker I act the better it will get,
Have a lovley weekend with the children and has that nice hubbie of yours got any single brothers or friends ?haha:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: Best wishes Anna

immoral_angeluk

and doubly so as you have two young children (who look adorable)

You wouldn't be saying that if you were the one who had to get up with K 4 times last night :rotfl:

Please dont underestimate the impact you have had,especially on me,in this day and age of giving up at the first hurdle, your a refreshing blast of air to be able to refer to.

Aww thank you. That's really kind of you..

Im off now to try and emulate a little of the fantastic things you have achieved,first step being Lightbulb moment and SOA posted:eek: ,

Look forward to the responses to your SOA..it can be very refreshing to see other people's takes on it...I will have a pick through it if I see it...

has that nice hubbie of yours got any single brothers or friends ?haha:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: Best wishes Anna

http://profile.myspace.com/index.cfm?fuseaction=user.viewprofile&friendid=101353710

trulymadlydeeply_indebt!

spud30 wrote: »

I'm being cheeky and trying to copy and paste your shopping list and meal planner, so I can use it myself - but it wont flippin work :rolleyes:

Just catching up on IA's diary after a hectic week. If you right click on the number in the top right corner of each post, in this case 1755, you can select "print target" and it just prints out that item.

Really handy when people post tips and menus so you can collate them into a menu folder! (Great idea in theory, but I simply run out of time with the practice!)

Sorry if this has already been suggested further along - I'm getting there after 5 days away!

TMD x