Brogden's Debt Disaster & Self Managed DMP!

Brogden

in_need_of_direction wrote: »

Lighten up on yourself Hun. You're doing what you know is right. Stick with it.

ooooh !! Did you hear that everybody......INOD called me 'Hun !'

Well.....a happy Broggers on a Sunday morning

You're a 'Hun' too.......as in a 'honey' not 'Atilla :rotfl:!!'

Bx

Brogden

grannyx2 wrote: »

Hope you plans prove to be free of bother and look forward to hearing all about them x

Thanks Granny

You must be having trouble sleeping - that's why you're reading my posts at that time

...........zzzzzzzzzzzzzzzzz.................x

Brogden

I 'humped' on Tuesday this week !! I mean to say that was the middle of my week and I am on leave today

A day out with the 'old boys,' a few of these from my school days and we are planning to perhaps have a mild shandy amongst the glasses of tizer and lemonade

Its funny how knowing I have a day out at the end of the week has made me a little 'MSE-careless' this week. I suppose its only a few quid I have overspent and it has all been on things to eat Choccies, crisps and not bothering to prepare a packed lunch when on the road but buy stuff when I am out. I haven't been near a chip shop !! I'd would have liked to though !!

Debtwise I am in limbo and have in a fairly random manner been making offers and I will post details of these when finalised in case that helps anybody. I don't think it is right to give a run down of everything whilst under negotiation. Not terribly British and you don't know if the predators are watching! :eek:

I've got to iron my jeans, clean my shoes and do a few family chores first so have a good day everybody and take heart - weekend is on the way!! :beer: (its Vimto in those glasses!)

Brogden

Verbatim

Hi Brogden
Nice to see you back as I haven't seen your posts for a few days. It's that dratted work I suppose. Such a time user-upper!
How are the envelopes working? If you've overspent does that mean you've been sneakily "borrowing" from future days' envelopes?
GL with the f&fs

Enjoy your day off.

Brogden

Verbatim wrote: »

Hi Brogden
Nice to see you back as I haven't seen your posts for a few days. It's that dratted work I suppose. Such a time user-upper!
How are the envelopes working? If you've overspent does that mean you've been sneakily "borrowing" from future days' envelopes?
GL with the f&fs

Enjoy your day off.

Thanks Verb

I didn't steal from future days' envelopes for my lunches, choccies or crisps :rotfl:!! I did a little yesterday to make sure I was not embarrassed in the rounds of tizers and lemonades though so I must concentrate now on a 'budgetary undershoot' for the weekend to compensate!

Got absolutely SOAKED walking home from the station !! Went straight to bed !!

Brogden x

Brogden

I am not the most popular person here at the moment. In the half light, carrying the cat basket I have just trod on the cat's tail with my right foot, pinning her to the floor while my left foot kicked her in the ribs. Fortunately I was wearing my slippers. She has now asked for second helpings of her fishy breakfast so I thought I had better give it to her regardless of her weight problem to make amends .

The best thing about pets is the love an trust. They forgive you for anything and never have the funnies with you. We used to have a dog and he was just the same

Right.......on the financials:-

- Three new spreadsheets - Gas, Electricity and Water consumption. Still in germinal stages and being tested. As we are Eon customers I can't complete the function on the gas one as they were inconsiderate enough to reduce their prices and I don't know how this works :mad:. The electricity one appears to be working but I need to iron out some wrinkles on all in time to 'launch' and get serious at 1st Feb.

- Had a couple of mega-cheeky settlement offers rejected, one a second offer. I am doing too much too quickly on all of this and I am currently considering paying all of the next year's council tax in one go to free up additional clout in the budget to hit some predators on 'instalments.' This is not as mad as it sounds as I am finding a repeating pattern that if a reduced settlement is agreed it is OK to pay over three months. That could keep me out of mischief for a year but my heart still aches that in doing that I would not be doing all I can for the mortgage.

- Following my Wonga complaint (last October :eek:) a foreign lady rang me to apologise that Wonga had not so far given their final response. She advised they had so many ongoing complaints that they couldn't cope and were discussing the acceptability of their approach with the FCA. Time will tell - I am paying them nothing currently but that is agreed

- Finally the envelopes reign supreme. Following a festive 'fall out' I am 'on the envelopes.' It has taken me a long time but I think I have found ' the love of my life' :happyhear:happyhear:happyhear:happyhear .....the one for me.....nobody makes me feel the way you do :A:blushing::blushing: !!!!

Have a great day.

Brogden

Verbatim

Great to hear the envelopes are doing it for you Broggers! I hope you didn't have a sore head after all the Tizers the other night? Hope it was a good one.

Brogden

Verbatim wrote: »

Great to hear the envelopes are doing it for you Broggers! I hope you didn't have a sore head after all the Tizers the other night? Hope it was a good one.

You don't get a sore head with Tizers Verb......a bit of wind maybe ....!

On the envelopes, I wonder if in 2008/9 we would have had the collapsing banks if they had used 'envelopes'.......big ones of course :eek:

They might have come in handy in Tesco's accounts department too :rotfl:!!
.

Aloofdragon

Awww Kitty kicker (can't type what pred text entered lol),Council tax is the bane of my life it's the only bill that physically distresses me paying !! 2 months without it now thank goodness.I have got bored daily tracking last few weeks not spending when everytime you sign in online you bombarded with sales emails and offers from your fav stores but going to restart the challenge s next week and delete all shop emails ! Loving the new oomph and raring to goness with your new found love lol have a lovely Sunday Brogs x

Brogden

Aloofdragon wrote: »

Awww Kitty kicker (can't type what pred text entered lol),Council tax is the bane of my life it's the only bill that physically distresses me paying !! 2 months without it now thank goodness.I have got bored daily tracking last few weeks not spending when everytime you sign in online you bombarded with sales emails and offers from your fav stores but going to restart the challenge s next week and delete all shop emails ! Loving the new oomph and raring to goness with your new found love lol have a lovely Sunday Brogs x

Thank you Dragon !!

I am not a vocational 'Kitty Kicker' just in case anybody was wondering.

Our cat has forgotten all about it and is stalking the garden like a wild beast as there were sightings of a ginger predator. She hates ALL other cats without exception :mad: