Brogden's Debt Disaster & Self Managed DMP!

Brogden

Puzzcat wrote: »

Morning brogs,
We have sunshine too, very rare on a bank holiday! I have tipped my oh out of bed so I can strip....and wash the bedding and get it line dried....nothing like a freshly laundered air dried bed to dive into before back to the grind for us all tomorrow.
Have also put my tray of runner bean seedlings out on the table and there little heads are bobbing up through the soil. Don't you just love spring!
Hope you have a good day and enjoy a cold beer from your new fridge later..
Puzz.x

I do love spring Puzz and as I type this the sun is finally emerging !!

You did make me drop my knife and fork when I read about your bank holiday strip !! Well......how the other half lives......but a lovely idea none the less !!

You are so right that the fresh bed linen can be quite a stress reliever, particularly when we are all faced with work the next day !!

Right.......on with the lawn now its dry enough to cut

Brog x

Brogden

Happy Monday Everybody

This is a message to myself to help me to get my head together as for some reason I seem to have drifted a little recently and not come to decisions. Yesterday I bought THREE pairs of jeans !! Well I had been looking around at them in Tisco and Arseda but maximum leg length of 33 inches made it a no go . I went to the huge Sainsbreeze near us and they had loads of max 34 inches......so.....I put my proverbial snout in the proverbial trough !!

I am shocked by my profligate behaviour BUT.......that's me sorted out for a couple of years !! I don't care if they now introduce new state of the art trendy ones with illuminated seams because I wouldn't need them.....a basic man......got what he needs in pre-LBM waist size!!!! It is the waist size which was the main motivator, I have to say !!

Trying to get a grip on MSE ideals I am going to avoid buying my lunch on the road today. This always comes to around £4.00 :eek:.....so I have squashed a couple of Laughing Cow cheese triangles between pieces of bread and wrapped in foil. I have filled my birthday present flask with Batchelors Minestrone cup-a-soup - total cost for lunch......what........40p???? OK Brog - that's wot you should do all of the time :T.

On the more significant financials........

- I owe one month's council tax for last year . I'd better keep that one quiet ........the fact I have not sorted this illustrates my current 'state.' This will be sorted.......I have already put in a SO to pay next year's

- I need to pay £500 in the next week or so for my Carboot Hellifax debt on the P&F by installments - one more after that and its done

- I have reneged on my agreement to pay the P&F to 247 Funnybox In a way their uselessness caused me to not respect their demands BUT I must maintain my own standards and this is not good enough. This further illustrates my current 'drift mode.'

Finally........in a rare conversation with Mrs. B, I mentioned that she only had one debt left........MBNA.......now sold to PRAT Group. She suggested knuckling down and paying it herself :eek: !! To illustrate yet further my current mood I said.....'just bloody leave it and see if we can bloody get a better bloody P&F later on.............' I think I should be applying for a job with PRAT Group :mad: !! I am going to revisit this subject when she has time to speak to me !!

Off I go.......wear the rubber.......burn the diesel (until they ban my diesel vehicle :):):))

Broggers

Ali-OK

How about training Mrs B in getting a good P&F for her card from her pennies

Loving the 90% cost saving on lunch, that's a very good saving over a week/month/year :T

Council tax...I'll get my coat :rotfl:

Brogden

Ali-OK wrote: »

How about training Mrs B in getting a good P&F for her card from her pennies

Loving the 90% cost saving on lunch, that's a very good saving over a week/month/year :T

Council tax...I'll get my coat :rotfl:

Thanks Ali

The lunch is a no-brainer but rarely actually happens......I must change that. I was looking forward to it but got behind and I had to eat the sandwiches off the passenger seat whilst driving in heavy traffic. I couldn't even get to the soup in my flask . I tried but (the flask must be a good product) it was so hot it burned my lips trying to swig it out of the flask !!

Oh well.......retirement one day :rotfl:!!!

Broggers x

in_need_of_direction

What adventures is brogden land haven't you been sharing? C'mon now, don't be shy. We're all missing you.

Brogden

Oh INOD........I didn't know you cared !!

I confess I have not been very 'thrusting' and 'dynamic' recently as you all expect me to be !!

A modest signature update is due and a limp, floppy financial update.......

I will get it done in the next couple of days but I am away on bizzo today and I'm overnight too.

Hoping all is well with everybody

Broggers x

Verbatim

looking forward to the update

Brogden

Hi All


I’m busy and I’m not busy. I’m doing something and I’m not doing something if anybody knows what I mean. Drifting a little……not ‘down’ as such but the mind is going everywhere and maybe not always concentrating on the job in hand. The ever caring family are suggesting I have dementia……..it’s not…….its just lateral thinking :cool:.

Actually its ‘blue sky thinking’……… ‘thinking out of the box’………… ‘I’m starting with a blank canvass’ (puke)………going to ‘push the envelope’ (double-puke) and I’m going to create a ‘ROBUST’ plan :cool:. I hate, hate, hate the word ‘robust’ when applied to anything other than Tonka toys. How many times have those prats said it in the pre-election farce? How many times have I heard it from management at work as the sellotape peels and the ‘robust’ plan falls off its playing card tower into the muddy puddle? :mad:

OK that’s enough joviality for anybody and don’t cause me to get too ‘frivolous.’ The signature is now updated………what do we have? Can I ask my glamorous assistant to open the box………..in April 2015 my debt burden has reduced by £386.40!! That isn’t too great is it? Well a further £300ish went into the pension pot and I could have used the ‘net’ equivalent of £170ish to reduce debts further but I am spinning plates……I don’t regret that money in the pension fund and I bloody wish I had instructed the faceless ones to deduct much more but I can’t drive at 100mph in three directions at once so……I am driving at 33.3 (recurring) mph in three directions at once…….if indeed the laws of physics permit this !!

Anybody will see I am a bit ‘in flux’ at the moment……

My recent activities in the P&F zone have caused me to feel somewhat ‘anti-climaxtic’ at present and I am embarrassed to say that I did something which is naughty but typical of me as I arranged my P&F’s. I had made a pact with Carboot on my Hellifax cc debt. I needed £3,500 to clear a debt of £8,750 so I paid them £2,000, agreeing a plan to make three further payments of £500. I paid one of these further £500 payments last month but instead of quietly following this plan, I depleted my reserves by killing my remaining Wuscot debt…..I had to…….they gave me a 75% discount on my big one and I had to come back for more so I did !!

The result of all of this is that I kicked Wuscot into touch altogether but I have to honour my promises to Carboot so……..I rang them last week and agreed that the remaining £1,000 would now be paid as £300 this month and £350 for both May and June instead of two further payments of £500 – they are continuing to honour the serious discount and I now have this in writing. I have been very naughty but I knew I could get away with it so I did .

I hope no impressionable young people are reading my thread as once again Brogden ‘bends it like Beckham.’ !!


Have a great day everybody.

Broggers

Ali-OK

That's a seriously good outcome with Halifocks whilst chucking Wussie out yonder. Well done :T

:rotfl: at the management speak, I remember the days Have you got a window?

It's tricky deciding where to split the pounds, I spend probably too much time over-thinking and deciding then changing my mind and probably back again!

You're doing a grand job and ANY money off the debt is a result, going down wins every month

Grumpyoldmoo

Just popping by to say keep up the good work Brogden