📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Superpap's positive mutterings about debt/savings...

1697072747586

Comments

  • I did beanie, did you not get my reply? If you give me your address I will send some on monday :D

    Well payday :j got a bit extra as our payrise has gone in today. Also good news... now the only 'debt' I had outstanding was a 0% loan from my employers when I first started. Well you had to repay this on your last wages. Well they have changed that so you can repay it now if you like. So next moth I am paying £150 out of my wages and the following month £55. This will mean when I leave I will have a full wage. Ok it may be a little tough money wise but my locked saver matures next month so if all else fails I can always nab something from that :D At least this will be one and I need not worry about it :D
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    That's great PaP - gives you a little more fexibility to be able to pay it and not have to worry about it if/when you leave :)

    How's the craft bits selling going?

    Sea xxxx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • beanielou
    beanielou Posts: 95,648 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks PAP.
    Will PM u.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    thanks great news :) sorry to hear about your tickets though x
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • sea, thats what I thought. My hr manager thought I was mad but I would like to just get it out of the way as soon as possible. Craft stuff has gone really well made about £200 and still ahve 1/2 of it left. I have managed to buy my new pc screen, sign up for some classes and pay for this months stamping up stuf and I still have money left :D

    beanie, will send them asap

    sf, thanks. Nevermind about the tickets will put it down to life. They may turn up one day though :D

    Right I seem to have 'lost' my ds. I brought the 42 classic card/board games with it. Well mum decided she must 'have a go' well I haent had it back since :rotfl: but hey she is having fun :j
  • beanielou
    beanielou Posts: 95,648 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks a lot PAP:A
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanie ~ I still havent sent them. I am so sorry but all my ebay stuff has started ending and those need to go first. After taking over 10 parcels today and 17 to go tommorow I dont want to annoy the post office. I will send yours on wednesday ~ sorry :o

    ~~~~~~~~~~~~

    Right thought I had better updat everyone on here. Everythings going well, after all my bills/savings I will have £50 in my accounts till payday... however I need to send ebay parcels so that will not last long. I have made £230 on ebay before fees (on my stuff) so that has been transferred... however as much as I would love to put this into savings I desperatly need some new clothes. I havent brought anything (except 2 pieces of underwear and one skirt) for 2 year+ so I need some things for holiday. So I am planning on using £150 of that for clothes. If I go to george I could prob get lots for that as they do £1.50 t shirts that I can personalise. I went through my wardrobe on sunday and I have 2 trousers (+ one pair of worrk trousers) and 3 wearable tops. As I dont go out much and I wear the same things anyway I havent noticed till now. Also I look about 300 months pregnant at the moment so need something to cover me up :rotfl: So next weekend I have off I am planning to go shopping and get some new stuff, obviously as heap as possible.

    So thats me, still very down but trying to get over it, again. Well take care all
  • booklover
    booklover Posts: 898 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Pap you are doing really well moneywise..

    Take care of yourself and treat yourself well.

    Fiona x
  • beanielou
    beanielou Posts: 95,648 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    PAP~dont worry~just when u can.
    Happy shopping!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Also I look about 300 months pregnant at the moment so need something to cover me up :rotfl:

    :mad: Oi!! Less of that pap. Stop putting yourself down. Don't make me come up there!!! :p
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.