Time to start a Fresh part 2, 2022!

BlueJ94

WinterWarrior said:

The colours are fabulous. 

Thank you! 

BlueJ94

EssexHebridean said:

OH MY GOD YOUR HAIR IS AMAZING! I've got complete colour-envy, looks stunning! 

Fingers crossed you'll hear back on the other F&F offers pretty soon. I completely agree with just letting 118 run now. As and when you reach the point that you only have that one left can I also suggest you look at setting aside the money you would have OP'd into savings too, rather than paying off a bit at a time. That way, once you've got something close to the full amount in place you can make a further F&F offer, and quite frankly, at that point, if they still refuse to negotiate even, I'd just be inclined to set the monthly payment to come out of that savings pot and again leave it running paying the absolute minimum. Allowing the interest is stopped on it (And I assume it's defaulted?) there's no actual real benefit to YOU in clearing it sooner other than being "headline debt free" - in fact by that stage there's a decent chance that it will be financially better for you to have the debt-neutral amount stashed and earning some interest. Allowing that they also have your existing F&F on file there's probably a decent chance that at some stage they might approach you with another offer - particularly once they realise that you're happy to dig in for the long-haul otherwise!

Thank you so much! Took just over 2 hours to do. Hard to see the back of my head

Yes defaulted. Yeah I'm not going to keep trying to offer 118 F&F, thanks for the advice I'll definitely do it that way

EssexHebridean

jadewest94 said:

badmemory said:

Please delete the picture - love the colours by the way.  You are doing really well.

Delete the picture? 

I'm guessing BM thinks it could be a security risk for you, but as I assume your profile photo is also of you, possibly no additional concerns from that one! )

BlueJ94

EssexHebridean said:

jadewest94 said:

badmemory said:

Please delete the picture - love the colours by the way.  You are doing really well.

Delete the picture? 

I'm guessing BM thinks it could be a security risk for you, but as I assume your profile photo is also of you, possibly no additional concerns from that one! )

Ah fair enough. Yes profile picture is of me also, I wouldn’t of posted my wacky hair if there was no other pictures of me on here  

badmemory

My DS is always warning me not to post this & that as people my age (he's a little more tactful than that but that is what he means) tend not to realise how much info we are giving away.  The thing is that way down the line things can come back & bite you on the bum.  Been there, done that, would not like anyone else to wear the Tshirt.

BlueJ94

badmemory said:

My DS is always warning me not to post this & that as people my age (he's a little more tactful than that but that is what he means) tend not to realise how much info we are giving away.  The thing is that way down the line things can come back & bite you on the bum.  Been there, done that, would not like anyone else to wear the Tshirt.

I appreciate the concern. Thank you

Parkyp

I think you’ve found a new talent. Looks good. 

BlueJ94

Parkyp said:

I think you’ve found a new talent. Looks good. 

I've been dying my hair since 2012 but thank you! 

BlueJ94

Evening all, 

Not much has been happening really. Its OH birthday next Wednesday so have to find him a gift. Not sure what to get yet  

We had one to one meetings in my main work today, interesting to say the least. Been told my wage will go up to £10PH from £9.60. He also told me I look tired, but I explained I probably do 60 hours or more a week between the two jobs! Suggested there could be a warehouse manager job going in the near future, I'm not really interested though.

Sainsburys, no update on contract yet. Hopefully find out for definite on 5th March. Still have holidays to use with them, 4 days I think. I'm also working for them all week now until Sunday, Sunday I'm double shifting 4am-8am then 12.30PM until 4.30PM. Not back in then until the Wednesday so get myself some extra sleep.

OH is cooking tonight so steak and chips for tea, whilst I wait I plan on watching 'no return' on ITV, looks good.

Night all x

BlueJ94

Oh, I'm also thinking of rejoining the gym. I'm undecided yet.