The 300k debt-free diary!!!

mickey_mouse

great to see you back on here Panda. Sounds to me like you are doing great with all your to do list :T :T

Have you any recent piccies of Adam and Greg to show us .

huuuuuuuuuuuge hugs

Keeping_Positive

Nice to see you back Panda.

With new house and baby, another lovely little boy, DH and job I think you are doing really well. Lots of green in your post (or am I just colourblind?!!).

pandapaws

I feel really lost these days with my sporadic visits to the site! Just when I start to catch up with everyone else's diaries, something comes up and I don't get back of for a week or two and I'm lost again. Wouldn't it be great if you could get some sort of digest of the diaries?!

I'm doing well with the £10 a day, currently on about £240 which I've just realised is just under £30 a day! But that included £100 from the Play boy casino offer. I'm hoping ot get a loads of stuff on Ebay on Thurs.

We're away next week on the first of our 2 Sun hols - 5 days in a caravan near Scarborough! Will drive me around the bend I'm sure, but Adam will love it.

Here's a few of the latest pictures (i.e. about a month old! ). I did, however, finally post the thank-you cards the other day, so I'm not a totally terrible person (just mostly terrible! ).







Note the cradle cap! And he doesn't like trousers much either!

Crap, I've just noticed the time! I'm supposed to be at work at 5 (it's 5.42!!!). Ah well, it's only DH there...I'll buy a few more free Bala Gingo tickets then head along!

Edit: WOW WOW WOW! Just went to buy the free tickets and noticed that my balance is £20 - I must have won! YAY! Now got a very valid excuse for being late for work!

chocaholic110

Aw, how cute are those pictures? He looks so happy in that first one!

mickey_mouse

awwwwww your boys are sooooooooooooo cute.

well done on the bingo win

OberonSH

Aww what a pair of cuties. And well done on the wins, and on the mega List Of Doom. You're doing really well, and I think you rock. Look how much you've taken off your debt already. Go Panda!!!

pandapaws

Well, had our fabulous Sun holiday in Scarborough and I'm glad to be back at work now for a rest! It was all ok, nothing particularly exciting but Adam enjoyed himself which was the purpose of the whole trip. Also met up with Natlou and her family one evening (who were lovely - the best behaved boys I've ever met!) which was great - it was nice not to have to pretend we're not skint for once!

I've just taken out 2 Payday loans with an APR of...get this...11,982% :eek: :rotfl: :eek: :rotfl: :eek: :rotfl:
BUT I only did it for the Quidco! They're paying £70 per accepted loan with no credit checks, and the interest that will be paid in the 17 days only comes to £25 on each, which makes a £90 profit, provided that it tracks ok. They've got a 100% score on Quidco, so hopefully it'll be ok, but it is a bit of a gamble. I've had about £150 from the Play boy Cas ino offer this month though, so the way I'm looking at it, it's £50 of their money I'm gambling. But can you believe that APR?! Do people get that desperate? I suppose they must, or these companies wouldn't be in business. Makes me realise that we're lucky to have been able to maintain a reasonable credit score despite owing billions, and I'm glad that I didn't go down the DMP option which would have taken away any decent credit facilities for emergencies.

Greg is asleep on the sofa (under supervision!) so I'm just having a quick catch up. He's been really whingey for the past few days, but *TMI alert* until this afternoon, he hadn't poo-ed for 6 days, so hopefully he'll feel much better after his explosive eruption (as DH called it!), which I thankfully missed as I was at work! His skin is still quite red and blotchy so I think I'll probably take him to the doctor this week as I think it's itching and annoying him a bit. He's a real chatterbox now, and seems to be really interested in the tennis on TV, which could be handy for the next fortnight!

We're still overspending on the house, but it's looking loads better. We also got a new car last week which is loads bigger and better than the other, and won't actually cost us anything as we can sell the old one for as much as we paid for the new one. I just need to get my rear in gear and get the old one cleaned out and put on Ebay as the money came from my Mint balance transfer cheque, and the balance I want to transfer needs to be paid off by July before interest kicks in. Once we get our affairs in proper order, I'm going to post a fully revised SOA and really get stuck into the overpayments.

Hope everyone's good. Thanks everyone for all the positive comments - it does cheer me up and motivate me when I'm not so chirpy.

hypno06

Hello!!!

We found the "need" for payday loans this month as well My APR was even more than yours :eek:

Glad to read that you are all ok - explosive nappies and all!!

lunar

Hi panda.

Love the photos, hes growing so quickly. Ive found out im having a boy as well. im so excited to be over half way there.

Im looking forward to seeing your new sig when you get it up. Are you living costs reducing as you hoped they would when you moved house? I still cant believe how soon you had to go back to work.

hope everything is going well with you and that you are finding some time to rest.

pinkydinkydo

Hi Panda

Glad your ok, your life sounds as hectic as mine, i know what you mean about not having to pretend your not skint. I think we all put so much pressure upon ourselves to act like everything is ok when it's clearly not. Goodluck with the payday loans hope it all works out ok.
Well i've got three little ones so i know how hectic it can all be, i did laugh at your clean the house and keep it clean!!!!! Take it from me it will never happen. We're still trying to sell its been on for nearly a year now its so depressing.

Sorry ive not been on here for ages been caught up with writers share!!!!

PDD XXXX