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fed up of this never-ending struggle

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Comments

  • MissKJ
    MissKJ Posts: 780 Forumite
    Colour is good! (that took me ages,leave it at one word!)

    Oh and by the way, kids love going to the park. Don't lose sight of that. They also love making pie or crumble with autumn berries that are out four weeks early this year! In fact they generally just like spending quality time with mum.:D
    unsecured Debts at [strike]August 2007 £79,984[/strike] September £79,579 [STRIKE]Snowballing date July 2013[/STRIKE].

    May 2009, £76,772 unsecured debts

    DMP started Dec 2008, End date at start 2133!
  • MissKJ, love the colours!! lol

    I know my daughter loves spending time with me, but she is also going though the 'hormonal' stage where everything I say and do is wrong and ends up with her having a 'hissy':eek: ! I know she doesn't love me any less and vice versa, but I still try!

    mjjj xx :D
    LBM April 2006-19 creditors, £47,000, After 2 yrs £50,000 After 3yrs £45,373 DFW long haul supporters #101 Reclaimed: Halifax -£1566 & £448 PPI, Marbles/HFC -£200, Barclays -£409, Morgan Stanley -£129 + £933 PPI, Cap 1 -£493, Argos -£120. Studio -£76, Citi-£155, FOS- MBNA, GE/Santander x2, Shop Direct x2. Total - £4589.31!!
  • MissKJ
    MissKJ Posts: 780 Forumite
    Well, I am not the one to comment anyway, my DD is only 8, and I know she will put me through hell, so feisty already. :eek: Good luck with that!!!!
    unsecured Debts at [strike]August 2007 £79,984[/strike] September £79,579 [STRIKE]Snowballing date July 2013[/STRIKE].

    May 2009, £76,772 unsecured debts

    DMP started Dec 2008, End date at start 2133!
  • Hi, just a thought but what about suggesting to your daughter that she sells some of her old stuff (clothes that don't fit/toys & games she doesnt use) on ebay? Explain to her that if an old outfit sells for £10, she can either buy new clothes or have magazines for X amount of weeks, or go to the cinema with friends etc etc. At least it'll take some pressure of you and she might value what she has a bit more as she's had to find the funds to buy it herself rather than asking you. Also, my parents used to take in Spanish student every summer - not sure what it pays but it more than covers the cost of having them for a few weeks.
  • Hi MJ, just wanted to wish you well and congratulate you on what you have done so far. Keep positive and keep going.

    I love the ideas other people have come up with - especially seeing if your daughter can sell some things she has grown out of to pay for new. Nothing will help her more than being taught what things actually cost.

    I noticed no-one answered one of your questions - yes, you are allowed a current account on a DMP (we have several which we use as 'virtual piggy banks' for different pots of money), just no additional borrowing, that would include an overdraft for example.

    Good luck and well done :T

    Newgirl
  • asp746
    asp746 Posts: 419 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    keep going - you're doing a great job - i know exactly the feeling about it feeling that you will be paying the debt forever. I've finished paying my debts now which totalled £15k and i feel positively rich infact it was only june i got my bt landline connected after about 4 years. All in all the debts took 6 yrs to pay off, my house looks like a timewarp as i've been unable to decorate or do anything.

    are you sure your being left enough to live on each month? sometimes people pay back too much each month thinking ohwell the debt will go quicker but in the meantime don't leave enough to live off which then leads to feeling low etc. You should have enough to give dd a treat now and again and you should be able to shop for food properly. Repaying debts shouldnt leave you living like Bob Cratchit.

    big hugz
    xx
  • An idea to pay for the magazines is to earn points through pigsback. I know in Ireland they do bookshop vouchers (not sure if they do something similar in the UK?). I've been using those to buy magazines. Maybe your daughter could do the same?
  • mojo-jojo wrote: »
    .

    Glad you're okay, I feel bad sometimes that so many people reply to me with good wishes and support and I often don't feel 'up to' replying to all of them.


    Don't worry hon! You just keep coming back and posting and let us know how you are doing.

    LA x
    Bank Balance: In the black for the moment.
    Sainsburys Loan: Cleared July 2010
    Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
  • Key mjjj - any news from your part of the world?
    Bank Balance: In the black for the moment.
    Sainsburys Loan: Cleared July 2010
    Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
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