New me New start, Pania's positive Progress!

redsquirrel80

As LT says you could always use bank of mum.. or what about a savings account that you have to give notice to withdraw?

pania

Lemon_Tree wrote: »

mine is either zero percent or loans on fixed rates which i don't think i can over pay. I do have an overdraft which i'm trying to reduce by £20 a month, unfortunately they will only drop it by £50 amounts so i have to be very good and make sure i don't spend the money whilst i'm waiting to get to the £50 mark.

Glad the new contract should bring you out at least even, i'm sure you'll find the work, you certainly don't like sitting around doing nothing

hell no! and right now tis like this..

Job description of P...

Sit on Butt in house

answer occasional phonecall.

drive to occasional pointless non earning appointment

earn no money

:rolleyes:

I said to the new MD today, give me the work and i will give you the results. without it i may as well not be here... he agreed... oops:p

ZTD

pania wrote: »

Am i right to be throwing money at them to try to get them down or would i be better off saving money and utilising the to make settlement offers?
I'm not interested in partial settlements just full and finals where the debt is satisfied and that is that.
any one got any thoughts?

You would be best off saving as much as you can and going down the F&F route. Give it to your mum as dual-purpose emergency money. Do *not* under any circumstances even hint to the OH as to its existence.

That will be just another excuse for you to pay everything.

locutus2003

Hey Pania

Just wanted to say that I hadn't realised you were staying away from the other thread deliberately. You are a great, kind and wonderful person - and it's great to have you back there too!

Take care

xx

pania

hello locutus how are you? thanks hon, thats such a lovely thing to say... it's good to go back rather than steal furtivie glances at the thread and run away to hide....
i'm a silly old bear....

pania

ZTD wrote: »

You would be best off saving as much as you can and going down the F&F route. Give it to your mum as dual-purpose emergency money. Do *not* under any circumstances even hint to the OH as to its existence.

That will be just another excuse for you to pay everything.

Aye, your right;)

over to ma then....:o

mums fab.....;)

In_Search_Of_Me

Just popping in to say hi! Been busy bunny aint ya! Cant answer re what to do for the best re dosh but sure wise bods will help! Hows the eye? Are you managing to go slow & not do excercise? Am on a go slow as swam and scar/wound been painful today Hope youre ok!

pania

oooh sorry to hear has been painful... take it easy hon are you ok?

no exercise for me til sunday. hos appointment next thurs... need to get there without driving !! eep!!! then will prob be quiet as makes my typing go ksaehrnduywguycwegrutyqgc nboluihrt with the stuff they put in my eyes!!! he he..

Nice to hear from you hon was getting concerned you'd not been about. xxx

hypno06

Let me know if you need lifts when you are blind.....;)

In_Search_Of_Me

Just been bisy with work etc & swam yesterday so was shattered...have decided that I'm nt oing to the London meet though as just cant afford it & while I'd love to go I just know the whole thing would cost a bomb so have(after much umming & ahhing!) decided to give it a miss. Am dissapointed but feel its the right thing to do...plus with teh work year (April -31mch) I will be off alot between now & then so in work terms will need to get my head down for a bit...sure there wil be others though....