Brogden's Debt Disaster & Self Managed DMP!

Emmala

Brogden wrote: »

Hello Molly

Thank you for bobbing in.....I am asking myself how I feel about being 'watched with interest .' Its like catching a space alien and putting him under the microscope to see how he functions :rotfl:!! Hmmmn......I promise I will try to behave very well

If the situation is 'dire' do you really need to be alone with it? Is Step Change worth a call? I went through speaking to them. At the time I couldn't get my head around how payday loan rollovers would work in the context of a 'managed' DMP and that was the main reason for not proceeding and in the end I just did it for myself. I am now glad about this but I could always have leaned on them and gone self-managed later. I was swallowing hard on the sort of monthly payment I should make I have to say but I was such a novice.

It is all very 'sortable' whatever but you probably know that

All the best for a 'sorting' 2015.

Brogden x

Hi Brogden,

We do need to do this alone as we need to remortgage in a couple of years and can't afford to trash our credit rating. My DH has been out of work for 17 months now and we went from his £60k salary to my SAHM non existent one to my TA £8k one........he was left £5k out of pocket from his US employer plus we had some other cc debt but I have to believe he will get another job soon! Currently we have enough coming in to pay mortgage and bills but not debt repayments or food but I can manage with some juggling. I will be looking for a teaching job once we go back next week so I have to believe that we are just going through a phase of things getting worse before they get better! My parents have been helping us but it's not fair to keep asking, we have yo do this ourselves.

Sob story over, time for a drink or two methinks!

Thanks for listening......I shall go back to stalking you from afar!!:rotfl:

Molly x

Brogden

MollyMischief wrote: »

Hi Brogden,

We do need to do this alone as we need to remortgage in a couple of years and can't afford to trash our credit rating. My DH has been out of work for 17 months now and we went from his £60k salary to my SAHM non existent one to my TA £8k one........he was left £5k out of pocket from his US employer plus we had some other cc debt but I have to believe he will get another job soon! Currently we have enough coming in to pay mortgage and bills but not debt repayments or food but I can manage with some juggling. I will be looking for a teaching job once we go back next week so I have to believe that we are just going through a phase of things getting worse before they get better! My parents have been helping us but it's not fair to keep asking, we have yo do this ourselves.

Sob story over, time for a drink or two methinks!

Thanks for listening......I shall go back to stalking you from afar!!:rotfl:

Molly x

I see Molly - its all about preserving the credit ratings for mortgage isn't it? I appreciate that this is quite stressful and wish you both the maximum best in getting work as soon as possible. I am sure you will do it .

Please don't watch from afar- I was only joking about the microscope

Tea and buttered scones anytime......even space aliens like that :rotfl:!!

Brogden x

Brogden

supersaver1000 wrote: »

Brilliant post, go get em. We will all be cheering you on. I may even join you and get rid of my car loan by then :eek:

Don't apologise for ranting, we all think the same things. It's great to hear someone else say them.

Keep going Broggers, you are motivating us all!

Happy New Year

Sorry SS - I missed you yesterday.

A Happy New Year to you too

I have had a bit of financial work to do (a couple of offers on Mrs. B's and an I&E 'Round Robin' so the predators know its tough at Brogden Towers ) I keep putting all of this off which is not good enough........I think I need somebody like you or INOD to give me a good telling off !! No problem from me if the whip is the best idea :eek: !!

Suffering a bit of post-Crimbo lazyness I think. This is the first 'normal' day isn't it? I've got to take DD2's new jeans into town to try to exchange them.......there's always something wrong with everything she buys! Thankfully nothing wrong with her car but I knackered myself finally getting around to cleaning it yesterday - she'd better be grateful

Brogden x

Historybuff

Hi Brogden. Just calling in. I joined the Debt Free by Christmas 2015 group through your link. I wish I could pay it all off by then, but I've set a minimum amount I want paid off by then instead, so I can join in.
Have a good day!

Brogden

Historybuff wrote: »

Hi Brogden. Just calling in. I joined the Debt Free by Christmas 2015 group through your link. I wish I could pay it all off by then, but I've set a minimum amount I want paid off by then instead, so I can join in.
Have a good day!

You have a nice day too HB!

All the best with the debt free by Christmas 2015 challenge!

Brogden x

muppets

Historybuff wrote: »

Hi Brogden. Just calling in. I joined the Debt Free by Christmas 2015 group through your link. I wish I could pay it all off by then, but I've set a minimum amount I want paid off by then instead, so I can join in.
Have a good day!

I have been a long term lurker on your thread, but just wanted to stop by and say hi.
I am also on the DFBX 2015, have been with them for a few years, I also only set a target I want paid off as I know I could never pay the whole of my debt of in 1 year.
Good luck with you debt busting

supersaver1000

Oh! The Deadwood Stage is a-rollin' on over the plains,
with the curtains flappin' and the driver slappin' the reins.
Beautiful sky! A wonderful day!
Whip crack-away!, Whip crack-away!, Whip crack-away!

I am in awe of the car cleaning, hope she appreciates such a good dad. Think you deserved a rest today.

Whip crack-away! Tomorrow :T

Calamity Jane

Brogden

muppets wrote: »

I have been a long term lurker on your thread, but just wanted to stop by and say hi.
I am also on the DFBX 2015, have been with them for a few years, I also only set a target I want paid off as I know I could never pay the whole of my debt of in 1 year.
Good luck with you debt busting

Thanks muppets and please don't lurk silently too much - its always good to have visitors.

I am sticking to just the one challenge! I know everybody 'thinks' that I am a complete nutter and that I am just proving that fact again with my 2015 pledge. I know its ambitious / rash / nuts (delete as appropriate) but I thought I might as well be an honorable runner up than to not really go for it totally gung ho?

Between you and I......if I do hit my target I'll bare my bottom on the town hall steps :rotfl:!!!!

Brogden :cool:

Ali-OK

Brogden wrote: »

Thank you Ali !!

'Tea with Ali'....that sounds great! Sounds a bit like a well known book !!

Thanks for your good wishes for 2015 I wished you the best before but I'll bore you and do it again

Chill out well and truly before you go back to work and remember with all that you do that a bit of R&R (that's not rock n roll :cool:) allows you to keep on keeping on. I know you have a little trouble with just letting the day go by and so do I. For the next few days that's what we are going to do though ......order :mad:

Please keep us updated on the mortgage and payments......I know its not just me......it helps us all a lot whether its mortgage (you) or yucky debts (me at the mo') :T

Brogden x

Morning Broggers

I always visit diaries with one of these :coffee: (though it's tea as we know ) - they say there's at least one book in us all, maybe a place to make our fortunes?

Ah, love my soft rock music (maybe not so much the roll, though I will if I keep on with the pile of chocs I got for Christmas :eek: :rotfl:). Sounds of DS's iTunes Xmas voucher purchases have been blaring out whilst I slowly clean the bathroom - deep clean and deep joy! At least he's buying music that I like too and then I can definitely relax in a posh bubble bath later that was an Xmas pressie. Win-win.

Chilled out the past 2 days with a 1,000 piece jigsaw (now done) and 2 No Spend Days were the bonus

Shall keep chipping away and reporting the financials.

Have a happy weekend

Brogden

Ali-OK wrote: »

Morning Broggers

I always visit diaries with one of these :coffee: (though it's tea as we know ) - they say there's at least one book in us all, maybe a place to make our fortunes?

Ah, love my soft rock music (maybe not so much the roll, though I will if I keep on with the pile of chocs I got for Christmas :eek: :rotfl:). Sounds of DS's iTunes Xmas voucher purchases have been blaring out whilst I slowly clean the bathroom - deep clean and deep joy! At least he's buying music that I like too and then I can definitely relax in a posh bubble bath later that was an Xmas pressie. Win-win.

Chilled out the past 2 days with a 1,000 piece jigsaw (now done) and 2 No Spend Days were the bonus

Shall keep chipping away and reporting the financials.

Have a happy weekend

Thank you Ali - I can see you are having a happy weekend

I have been a bit busy on the old yellow stickers yesterday and today. Sainsbreeze.....my favourite.....3 x Hollands Meat Pies for 12p each :j Ginster's steak slice 20p :j DD2 who is a bit vege-orientated although she ate home made chicken tikka last night got £23 worth of vegie stuff for £3.29 from Holland & Barrett!!! :cool: I have also got various half baked breads for 10p a pack !! You would be proud of us!

I am on the way out now to go to the tip, buy stamps for two full and final offers on Mrs. B's debts and then bring in middle-eastern take outs for the DD's and a red hot curry for the seniors Nobody eats all the same things here - its a bit of a nightmare to be honest and I limit it to once a week !

So....back in the car.....I'll be thinking of you nibbling chocolates whilst covered in bubbles ........oh for the high life !!

Brogden x