New me New start, Pania's positive Progress!

pania

oooh don't know about the referal squirrel will look at that. how are you today?

redsquirrel80

pania wrote: »

oooh don't know about the referal squirrel will look at that. how are you today?

I knew I wasn't imagining it! :rotfl:http://forums.moneysavingexpert.com/showthread.html?t=701477&highlight=bingosky

Feel free if you want to PM me your username once you've got set up on there.

Another quiet day here.. had a long lunch, nice walk in the sun and treated myself to some new make-up (courtesy of some bingo winnings ) - foundation has nearly run out and I don't want to frighten people... :rotfl:

Surfbabe

Just had a quick catch up - my numpties are parents who tell me how to teach their child to swim - pleeeeeeeeeeeease - am I the quailified teacher or are they - they stand hanging over the rail telling their little darlings to kick,close their mouth, or whatever - I'M THE ONE IN CHARGE !!!!!!!!

Rant over - sorry to hijack your thread

pania

Hijack away surfbabe!!!!!! yep, must be occupational in all walks of life....

Helloooo by the way, right must dash else late for tea...

evab_2

hi, baby ok had a scan a few weeks ago need to work out exactly how many weeks I am coz i ain't got a clue! Not running as have to be careful of my back but trying to walk as often as I can in fact off to walk to pick dd up from nursery in a bit.

Hoping to go swimming soon as miss going and feeling unfit already.

embarrassed_about_my_debt

i get it from talking to the delightful people at HM Revenue and Customs :rolleyes:

ZTD

pania wrote: »

OK, so the happy fluffy bunny of yesterday is still there, Just feeling more of teh Monty Python kinda fluffy bunny today, you know the one, cute fluffy and distinctly unthreatening from a distance, get near me and i will tear your throat out..

Just so long as it isn't an Ann Summers bunny...

pania wrote: »

Draw back of doing what i do, you sometimes have to speak to people with absolutely NO interpersonal or helpfullness skills at all....:mad: :rolleyes:

As does everyone alas. Fortunately, most people who are speaking to me have long since gained the idea that there are two ways your problems get fixed in IT - slowly and quickly - and both are equally plausible...

pania wrote: »

I still have the £450 with mum and my goal is (as it's a short month) to get through february with no need for that money so if March is totally c r a p then i can get through unscathed. I am Just so worried now about loosing my backup money that each month i am trying harder and harder to not use it, crazy hey.

Not crazy at all - it's emergency money, and you are trying to make sure it's a real emergency before you use it.

pania wrote: »

NZ may well be out of the window in May unless this picks up a bit, although in the main it will be a freebie, I still need the money to eat and to do some things to, esp as my best buddies coach goes to all the scarey places like bungee jumps.... noooooo way evereverevereverevereverever:eek: but it would be nice to know i could if i wanted to...

Have you done any calculations as to how much you would need?

pania wrote: »

However 25th February will herald the decent into the £25,000's:T which is something i am incredibly chuffed about!! I think when i came back in June last year i was in the £33k's somewhere, if i can be on track to have knocked 11k off it in the year since June then i will be happy. Right now i'm on track to have reduced it by 10k. not fab but still is the equivalent of paying a 10k loan back in a year...:cool:

You should be very happy about that. It is fab - and don't you forget it.

pania wrote: »

Well that is an incredibly long and rambling catch up, for which i apologise...

Better a long and detailed catch up, than a short and "fibre-free" one. Hmm?

Lemon_Tree

well done for getting below the £25k mark this month, that's a real milestone!

sorry to hear you had a frustrating conversation with a bank but for some reason i'm not surprised, it's weird but quite often they get quite upity thinking that they know so much more than the rest of the world put together. Sometimes i think the first thing they should be taught is that customers have brains, do actually know something and can go elsewhere if the staff are really rude!

I dont' know how you cope with the uncertainty of commissions, it would really do my head in, but you are so determined i just know you won't be long in the 20's you'll soon be in the teens.

pania

ZTD wrote: »

Just so long as it isn't an Ann Summers bunny...

Zed I have ABsolutely NO idea what on EARTH you are on about..;)

ZTD wrote:

As does everyone alas. Fortunately, most people who are speaking to me have long since gained the idea that there are two ways your problems get fixed in IT - slowly and quickly - and both are equally plausible...

Oh? hours puzzling over what is wrong followed by the quick fix of smacking it with a hammer?
(thats my usual method anyhoo...)

ZTD wrote:

Not crazy at all - it's emergency money, and you are trying to make sure it's a real emergency before you use it.

Hmmm, would NZ constitute a real emergency?:rotfl: I've never had back up money before and i am wearing it like a security blanket. I'd rather last on £49 a month than break into it knowing that it will deplete..

ZTD wrote:

Have you done any calculations as to how much you would need?

About £400 to be safe, I did the touristy "buy loads of stuff" last time round, would just be nice to do the fun stuff and maybe this time fulfill my ambition of swimming with wild dolphins, would hate to miss out on that chance due to lack of funds...

ZTD wrote:

You should be very happy about that. It is fab - and don't you forget it.

If i'd have had a backbone of steel, the gumption to say NO once in a while and bought fewer books (next post a coming) then i'd have done much better... can't loose sight of the fact it's 10k but need to do much better than that this year to meet the challenge.

ZTD wrote:

Better a long and detailed catch up, than a short and "fibre-free" one. Hmm?

Fibre-free?:rotfl: the mind boggles....

pania

Why oh Why oh Why do i do it?

Bl**dy waterstones. Bl**dy books!!!!!! Had a quiet mo after meeting hypno today, so went to waterstones.... Just to peruse you understand....
Found a gorgeous red bound copy of the lord of the rings trilogy.. £17.99
No thinks I, too expensive, walk away... so I did...
BUT thinks I.... I've been really good this month, surely i can justify A book. that damn devil on my shoulder needs shooting i can tell you... So i picked up the fellowship of the ring. £6.99 and walks around the shop with it. then i find a book about a lady that spends 6 months cycling the circumference of NZ. £9.99 now thats the kind of book i'd like to read, but then i really want to read fellowship of the rings too...

net result, 2 books £17.98, minus a small amount on a gift card, total = £15.88:eek: :eek: :eek:

have got £8.37 from ebay tonight... instead of it being extra i'm now looking at it paying for the books instead:o

it's books, nothing else, hello my names pania and i am a bookaholic....:rolleyes:


However on a good note I heard from Abbey and it is looking asthough the default is being removed.. should get confirmation tomorrow but that'd be brilliant if so. :T just need to get them to agree to refund the money now..:rolleyes: