The long haul supporters thread...

scoobylicious

Really hope it doesn't stay like it long Happy & hope they at least give you some good pain relief tomorrow xx
PS am waiting for the safe return of your elephant then nicca

scoobylicious

Must go to bed :mad: up at 6.30ish so should have gone ages ago
Nitey nite x

babyplum

Sorry about your back Happytogetdebtfree! Hope it feels better soon!

My little boy still hasn't pooped out the pebble!!!! Took himback to the Dr's today but they said as long as he appears ok in himself and is still pooing we just need to wait. Its very worrying, especially as i am at work for the next 3 days and can't be at home to watch him.

Some good news though. My boss has agreed that i can do an extra 2.5 hours a week at work, which will actually make very little difference in terms of time as i struggle to leave on time at the moment. It just means i will now be getting paid for all the extra hours i have been doing. But the great part is that it means an extra £90 a month with means i can up my CCCS payment from £150 to £240! Thats a HUGE difference! That will change my DFD from 2017 to 2014.

NellyM029

Hello Everyone,

Thanks for all the welcomes. Well about me... well I have been an idiot with budgeting and debt since I graduated at 22 (I'm 31 now!!!!!!).

I got student loans, then a £10,000 loan to do a masters (which never benefited me career wise - I just wanted to stay at uni for an extra year and sound clever having an MA).

I got a lowly paid gaduate job and a graduate loan for £5000. Paying £15,000 on loans on £13K salary (esp when I went out to pub quizes, nighclubs, bought hangover breakfasts, pretty shoes etc etc) was hard so I used credit cards (which I though were free money).

The debt started mounting. I spent most of the time ignoring it, settin up minimum payments and not budgeting. I have never defaulted but also never properly budgeted (hmmm no money in bank, I know buy something on a cedit card that will make me feel better. Doh!)

I would then get a loan to consolidate, but as soon as something changed e.g. relationship breakup, redundancy I would get out the credit cards and get in tht nasty minimum payment cycle.

I finally woke up in July. Light Bulb! I have got a very tight budget but only spent twice on credit cards since July for utter emergencies.

I know have a loan still with £20K to pay and credit cards with just under £15K. Which I am despeate to pay off (after tax I come out with about £1600).

I recently found a lovely new boyfriend who is lovely and handsome and wants us to move in together (I currently rent a room, but it gets expensive with commuting and petrol prices so wont be more expensive if we choose the right flat to live in).

Apart from my debt story, I love my job, but my bosses are idiots and evil so I spend lots of my time hatchng up evil plans (only hatching, I don't do!)I love dogs and want one once I am more settled. You know how some men while driving stare at pretty girls, well I do that watching dogs.

I am often told I am mental which I think is better than being told I am normal. I have partied a lot, hence the debt and am now trying to be sensible and grown up.

I have rambled for ages....

In_Search_Of_Me

NellyMo20 (228)

Welcome Nelly! Sounds very much like me except I shopped for longer lol! Keep popping in!

for people having lots of treats!! As for cake will probably chop your arm off by end of week as rejoined ww! Did lighterllife (same as cambridge) and lost 5.5 stone and then put it all back on...:) Have concluded that healthy eating is the only way to go! blagh!

Money wise pretty dire as my laptop is bust...going to try wiping it in the hope that its just a virus...suspect that th fan is broken and circuit board melted though and its really got me down. Am using mums while she stays with me but have no idea what to do when she goes...anyway am tired so off to bed i go...sleep tight all!

NellyM029

Hi In Search of Me,

What's this weight loss you're doing? I could easily survive on chocolate for ever, but as boring as it sounds a permanent healthy approach to food is the only way. Which is hard when my corner shop is selling mini eggs for 27p a bag. It would be rude not to.

How long have you been tackling your debt and how are you doing with it all.

PS Yeah do I get a number???? xxxx

niccatw

Nelly - I recognise your story . Though you must tell me where you found your lovely boyfriend! I've still to find me one of them .

I'm not supposed to be here - I told myself I would have an early night! One day maybe!

Scooby - he came back. Just for you. He told me he missed you (To any-one wondering what on earth I'm talking about, it is, off course, my pet effalump Boo, who watches and waves at us all.)

NellyM029

niccatw,

The lovely boyfriend came about from the successful use of the three date rule. Before I would rarely gove a boy a chance if they approached drunk in a pub. First date would be last date if e.g. he spoke to much about his mother, admitted to sleeping in a single bed, spoke fondly about ex etc etc.


My pals and I decided to do 3 date rule, so if someone asks, go out with them and give them three dates (unless they are clearly unhinged or they remind you of your brother). Many lads need dutch courage to ask you out, and nerves get the better of them on first dates. 2nd date will show them in a more true light and third date will be the decider of if you like, fancy etc.

Simples.

Me too early night Pah!!!

what is your effalump???

scoobylicious

niccatw wrote: »

Scooby - he came back. Just for you. He told me he missed you (To any-one wondering what on earth I'm talking about, it is, off course, my pet effalump Boo, who watches and waves at us all.)

Am delighted with his return :grinheart
Hmm...boyfriends :mad: I'm good at finding them but generally they seem to start malfuctioning when we live together :rotfl: My now exboyfriend has popped in 3 times in last week with wine, flowers, more wine, champagne, offers of takeaways, which is all lovely but about a year too late :mad:

I also recognise your story Nelly & welcome to the thread
Isom many apologies for naughty treat buying

scoobylicious

NellyM029 wrote: »

My pals and I decided to do 3 date rule, so if someone asks, go out with them and give them three dates (unless they are clearly unhinged or they remind you of your brother). I like your thinking Nelly :rotfl:

what is your effalump???

look to the left of nicca's message-he's waving at you