Brogden's Debt Disaster & Self Managed DMP!

NoOneAround

Aloofdragon wrote: »

I am yet to be a Grandma but I am starting a tin tonight, any change will be thought of not as spare cash but memory building, your all lovely people with kind hearts over this way xx

Hi ALoofdragon, I hope that your memory tin will always be as overflowing as my dad's:) He and mum are the most generous people I know. If they pick up a coin in the road they will always put it into a charity tin - they always said they didn't ever want someone else's loss to be their gain

PinotGrigio41

typo

NoOneAround wrote: »

Enjoyed catching up today after a busy couple of days, both on the merits of tights and vs socks (whatever you intend to use either for ) and social statements
Where do I stand? Both "darn" right;)
xx


Mrs PG and Brogden, Loved the Dad memories:)
My dad has an old metal money tin with a money slot on top and a lock. He and mum always put all of their change in their. It was never locked, though it had a lock. It was used for paying the milkman and the window cleaner, and all our bus fares and dinner money. He still has the tin and they still keep their change in it. Its all battered and scratched. They have bus passes now and no milkman doing a round and the window cleaner costs more than loose change! But they still collect their change, and now it is used for charity donations (my mum always puts change in her pocket when she goes shopping in case someone is collecting), and when the grandchildren are there they get treated to whippy ice cream cones, (with flake obviously!) when the van comes round every evening spring summer and autumn. The excitement that little tin generates is amazing. Its the parable tin - it has never been empty.


xx

What a lovely story No One ! Just goes to show what lovely people there are out there. Your parents sound great.

Just think in years to come Brogdens Tights may conjour up the same lovely memories as your dads tin and my dads old socks !! :eek:

PinotGrigio41

Aloofdragon wrote: »

I am yet to be a Grandma but I am starting a tin tonight, any change will be thought of not as spare cash but memory building, your all lovely people with kind hearts over this way xx

Thats a lovely idea Aloof.

We started a "Good Things Jar" the New Year before last, sadly it was the year we lost my dad, so there werent that many good things to put in it.

The plan was that each time something good or happy happened to one of us, we would write it on a piece of paper and date it , then fold it up and pop it in the jar. The Jar would run from the 1st January each year. We were not allowed to look in the jar and read the pieces of paper until the following New Years day when we all sat together and unfolded the paper and read out all of the good things that had happened that year ! Even though we lost my dad and didn't put many good things in, we still sat down to read on New Years Day and it was really funny to hear what we had written and a lovely way to be reminded of things that had made each of us happy throughout the year.

We did start a new jar this new year but I must confess that I don't think much has gone in it, its been challenging to say the least, but now I have told you about it, I am remembering plenty of things that should have gone in the jar. I may give the girls a pad and pen tomorrow and tell them to get writing ! xx

Sorry Brogden I have hi-jacked your diary, I will rush back over to my own now. Byee xx

Brogden

PinotGrigio41 wrote: »

Sorry Brogden I have hi-jacked your diary, I will rush back over to my own now. Byee xx/QUOTE]

Don't worry about hijacking Pinot.

You, Aloof and NOA are welcome around anytime.

I'll polish some glasses and open a bottle of wine

xx

Brogden

Good MorningEverybody !!!!!


It’s a quiet and grey Sunday morning around here and I have been up since 6:00am. I lay in bed awake for an hour. With the clocks changing I had enjoyed my quota of sleep but knew I would be in trouble if I started ‘clomping around’ waking the less active members of the household!

After surveying the diaries I went straight into the debts and pulled up my spreadsheets to look at the viability of getting rid of a couple of small irritating predators before Crimbo. :xmastree:

Its small stuff this…..not my immovable Ayers Rock which is the Gnat’s Vest and Hellifax / Skank of Botland but irritating little outcrops……..debris……scree. OK you are in my sights and I’m coming to get you with my little chisel and toffee hammer…….:rotfl:

Opos Limited – the single most dozy firm of debt collectors ever who are collecting the balance of my inflated loan with the despicable Minicredit. I had to speak to them last week as I wasn’t paying them their £35.00 monthly payment due to my bus lane fine – I agreed payments of £72.50 for November and December paydays to clear the £145.00 still owing. They wouldn’t consider an F&F without an I&E – they tell me something different every time I speak to them. So….I&E going in the post now asking for a F&F of £100.00 end of November – SAVING OF £45.00 if the dozy burgers agree – not much but it would get the shopping so I thought it worth composing the letter and giving them a print of my monthly cash flow spreadsheet!

Motor Mile Finance – a very pleasant bunch of chaps who I would happily share a pint with :beer: pity about the stupid name! I currently owe £213.31 on a defaulted loan with Swift Sterling. Whilst these debts do demonstrate Brogden’s ‘past’ stupidities this particular PDL experience has been the cleanest and most pleasant, if ‘pleasant’ is the right term! I agreed this week to an F&F of £130.00 saving me £83.31. This morning I have just been looking at where I can ‘chisel’ this from and composing a plan based on ‘envelope underspends!’ :T

So……if all of this comes off that’s £358.31 worth of debt cleared for £230.00 but most importantly it is two DCA’s off my case……two less firms causing domestic unrest and poor Brogden being beaten up each time they pay the Royal Mail to put something unpleasant through the letter box of Brogden Towers.

I am not fighting shy of my ‘Ayers Rock.’ I have been on a reconnaissance mission, walking around it looking for the best way to attack it and the best places to insert the sticks of dynamite but the real attack will not commence until the end of February next year.

I do not mean to be unpleasant about Ayers Rock. The features the Rock has in common with the Gnat’s Vest are that they are both huge and immovable. Many would consider Ayers Rock to be a thing of great natural beauty which benefits us all and with this all ‘poetic’ comparison with the Gnat’s Vest (and Hellifax / Skank of Botland) must end.


Have a great day all.

Brogden.

in_need_of_direction

I think your plan is sensible. It would motivate me to have fewer people to deal with.

Brogden

in_need_of_direction wrote: »

I think your plan is sensible. It would motivate me to have fewer people to deal with.

Thanks INOD

It certainly motivates me to have less people to deal with so if I can scrub these two before my new year onslaught, that has to be good :T

I'm gonna try me best !!

Brogden x

Brogden

Good Morning All!

A quick update from Brogden Towers......

I mentioned that I was complaining to Wonga and the DCA they passed my debt to - BCW / Gothia / Red Castle. I received a letter from the DCA to say that a 'cease all action' instruction has been placed on my account whilst the issue is being investigated. Hmmmmn.......lets see what happens there. I wonder if I'll hear from the big 'W?'

My 'envelope budgeting' is going absolutely fab !! I wish I had started this years ago but I never found myself to be particularly attracted to envelopes - they are obviously an acquired taste!

Unfortunately I have very little 'surplus' mainly because of the amount of business diesel I have used but then that all comes back to me in the next couple of weeks!

Hope everybody is keeping well!!!!

Brogden

NoOneAround

Cease all action sounds heavenly coming from predators! A good sign me thinks:) Hope the Big W thinks "Whoopsie, a fighter here, best give in while the goings good"


Have just asked DH to start putting expenses back for diesel into a separate account - it's already gone from our funds so accounted for - perhaps we can save it for a small family holiday next year or other treat. I am going to treat that as my surplus virtual envelope even though it isn't really surplus


Enjoy the rest of this very grey day , not enough blue to patch a sailors trousers today (still remember that from my Enid Blyton -passions of the past)
xx
NOA

Brogden

NoOneAround wrote: »

Cease all action sounds heavenly coming from predators! A good sign me thinks:) Hope the Big W thinks "Whoopsie, a fighter here, best give in while the goings good"


Have just asked DH to start putting expenses back for diesel into a separate account - it's already gone from our funds so accounted for - perhaps we can save it for a small family holiday next year or other treat. I am going to treat that as my surplus virtual envelope even though it isn't really surplus


Enjoy the rest of this very grey day , not enough blue to patch a sailors trousers today (still remember that from my Enid Blyton -passions of the past)
xx
NOA

Thanks M'Dear!

I would love to have some clear and available 'surplus!' With the envelope system I might be able to arrange a little bit when my expenses payment arrives in the bank. I do have two or three empty envelopes prior to payday and those have to be filled by either daily underspends (difficult) or from a slug of the exes

I am happy as can be with this way of doing things though. I don't even mind being a little off course as long as I know that I'm off course and can take some corrective action! Before the envelopes every day I was heading up a blind alley.

Its a bit grey here again. I think that once again the sailor is going to have to put up with a drafty hole in his trousers :rotfl:

Speak later,

Brogden x