The long haul supporters thread...

Happytogetdebtfree

Good point, this money malarky takes over us like a bad spirit hell I wish it would eat more calories rather than store more lol. It's hard to let things take a back seat in relation to debt but sometime life needs you to! I've just applied to do more study I've has to tell oh he needs to shoulder some responsibility in finance crunching house diy etc I get stressed out if I have to juggle loads :-/ anyway off back to kip let's visualise our dfd think about them feelings :-) x

talisker78

Hello,

Welcome babyplum to the long haulers - its a lovely group, apart from me. I'm very strange. Good luck in all your debtbusting endeavours.

HPGDF and scooby - trust me, don't put off kids until you can afford them - you can NEVER afford kids! Its amazing how you get by though. Even with my debt we manage somehow. Frankly as each month goes by I don't know how we do it, but it we do. If you want kids, have kids. You will never be ready for them so don't put it off. I'm sure most people with kids would say the same thing.

We thought for years that we should pay off our debt before having kids but we realised we would probably be dead before that happened, so we decided just to go for it and yes it is hard but I wouldn't miss it for the world!

Just my two pence for the day....!

Thank you scoobs for your kind words of support earlier. What card have you applied for? I'm so nervous about applying for cards but maybe its one I haven't tried - 0% would be lovely! - Fingers crossed you get it.

Love your new dog nic!

scoobylicious

Thanks for the words of wisdom talisker I'm sure you're right-financially I'll prob be able to afford kids when I'm about 60...Hmmm :rotfl:Like most people on here I wouldn't normally consider applying for a new card, but on my RBS online banking up popped this sort of approved offer for an RBS c/c & feeling a bit sheepish decided to fill it in anyway-not like I'm too worried about my credit rating :rotfl: When I finished it said it wasn't yet confirmed but also said they could offer me £6300 @ 0%?? So who knows, but now if they don't I shall feel horribly crushed!! Would be a massive help to have a 0% for a bit! & yes I agree nicca-when I got this mbna card it was an almost respectable 19.9% and then just went up & up-pity I didn't know then about choosing to keep the current interest rate-really don't think they should be able to charge such ridiculous interest rates either. I've never even missed a payment-would love just to close it :mad:
Mini rant over....
Hope you had a lovely debt free dream happy
Hello to everyone x
PS I see we now have a new PM-that took a while

niccatw

Hmmm, I'm planning a wee bit of anarchy in light of the new PM. Nothing too energetic as I don't want to get tired. And preferably something that won't get me arrested! Any ideas?

scoobylicious

Am trying to think of something nicca but failing so far

poorbabe

scoobylicious wrote: »

Thanks for the words of wisdom talisker I'm sure you're right-financially I'll prob be able to afford kids when I'm about 60...Hmmm :rotfl:Like most people on here I wouldn't normally consider applying for a new card, but on my RBS online banking up popped this sort of approved offer for an RBS c/c & feeling a bit sheepish decided to fill it in anyway-not like I'm too worried about my credit rating :rotfl: When I finished it said it wasn't yet confirmed but also said they could offer me £6300 @ 0%?? So who knows, but now if they don't I shall feel horribly crushed!! Would be a massive help to have a 0% for a bit! & yes I agree nicca-when I got this mbna card it was an almost respectable 19.9% and then just went up & up-pity I didn't know then about choosing to keep the current interest rate-really don't think they should be able to charge such ridiculous interest rates either. I've never even missed a payment-would love just to close it :mad:
Mini rant over....
Hope you had a lovely debt free dream happy
Hello to everyone x
PS I see we now have a new PM-that took a while

Scooby, before they raised your interest rate were you notified by letter? If you weren't then you might/should have grounds to complain. My understanding is they can't raise the rates until at least a year after you've had the card and then they have to give you a month's notice so you can make other arrangements.

I would like to go back to school but that will have to wait a while longer. In the meantime I'm achieving one of my objectives this year and have signed up for a women-only London to Brighton bike ride in June. I'm a tad scared as the furthest I've ridden is a a 26 mile round trip one wet and miserable Sunday morning. Fortunately we will return on the train. Looking forward to it despite the fear

scoobylicious

Thanks poorbabe Sadly yes I probably was notified but was going through a 'head in the sand approach' to my debts at the time :doh:Wish of course I could try again now :rotfl:
Well done on your bike ride-very brave of you! :T

In_Search_Of_Me

babyplum (227)

welcome! youre in good company-many of us will be here for years!
Well done on paying the od off poorbabe...I now dont use my cc's or od and while mentally it took some adjusting to "no you have NO money" but have managed since then and with w*** situation so uncertain has made me more focussed..
Will be interesting to see the changes in pm...

Happytogetdebtfree

Good point re kids talisker but I need a bigger home etc and although debts putting me off I don't feel just quite ready :-/ I've decided to withdraw my study application and wait till next year ficus on been married and having some quality time off from work and stuff. Hope everyone is well x

poorbabe

@ ISOM, now that the UK finally has a PM, I too am waiting to find out how much more financial pain I'll be in as a working, childless, socially housed, debt-ridden female .

My finances are (relatively) finely tuned for this and the next tax year and don't allow for a massive tax increase however delicately worded :cool:.

Still, getting used to the 'no money really means no money' lifestyle is helping to improve my cooking skills no end . Haven't given up on finding my own personal chef though as cooking is sometimes over-rated on those evenings when you get home late and cereal is the quickest option :eek::rotfl: