📨 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!

Desperate, am I in the wrong place?

16061636566

Comments

  • miggy
    miggy Posts: 4,328 Forumite
    Good to hear from you again FMN. :)
    Well done for keeping positive - I'm sure the holiday was worth every penny, it can make you feel so much better - and all the best with the book!
    Miggy
    Miggy

    MEMBER OF MIKE'S MOB!
    Every Penny a Prisoner

    This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)
  • urg123
    urg123 Posts: 1,997 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi FMN

    Don't beat yourself up. You have done so well to get where you are.

    How are the chapters coming along?

    Have you been looking at getting free money? Scratchcards can help to up the income a little. It all helps.

    Waving to you

    urg x x
  • Thank you Miggy and urg. Can't believe it's more than a month since I've been here! :o

    I know I need to get back on track, but things have been so muddly with little bits of money coming in - it's been hard to stay disciplined. My goal is to try and get a new SOA posted before Christmas because our gas/electric bills and some insurance dds have shot up, so I need to take them in hand again.

    Thank you for asking about the book. I got the chapters off to my agent at the beginning of November and he was really encouraging about what I'd written so far and had some helpful advice (criticism!) too which is all good in the end. STILL no publisher for my first book, but I'm quite resigned to that taking a long time because of current times and the heavy subject matter. It would be lovely to get a novel published so all i have to do is finish it and hope!

    I hope all is well out there, and everyone is coping with the prospect of Christmas.

    FMN xx
    LBM 16/06/08 - Credit card debts June '08 [STRIKE]£49,145 [/STRIKE].... Feb '13 balance £38,478 ... We'll get there :o
  • WOW!!! I love to read someone's first post and then jump to their last post to see how they're doing, but i had to go back and read your other ones as you have completely changed (in a wonderful way) as a person....!! You appear to have gone from a very worried person to a very empowered woman!! You Go Girl!!!!!!!!!!!!!!!! You're doing so well, long may it continue..x
    June 2012 Clydesdale Loan=[STRIKE]£12620[/STRIKE]£1246.47- (only 5 payments left but just received £3955 back from it for PPI!!!)
  • GeorgeUK
    GeorgeUK Posts: 7,737 Forumite
    Hi FMN

    Glad you've not forgotten your DFW ways and at least know what needs to be looked at. Hopefully the publishers will come through for you.
    After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91

    Dad Gift 6k ¦ Savings & Inv Tst: £2,500
    Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0

    Total Owed: £2,270 (+6k) 11/08/2011
  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Get that SOA posted and then you can start making inorads to your debt. Hope you get some good news re book.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • What a very inspiring thread. It's amazing how much can happen in a year isn't it? I must admit to not having read every post and therefore may be asking an already worn out question, but what's your novel about FMN? When should we be looking for it in the shops:)
    I let my mind wander and it never came back!
  • churchrat
    churchrat Posts: 1,015 Forumite
    Great to hear from you again, really good news about the book as well. I love your thread, please keep posting.
    LBM-2003ish
    Owed £61k and £60ish mortgage
    2010 owe £00.00 and £20K mortgage:D
    2011 £9000 mortgage
  • MegandNicsmum - thank you for those lovely comments, I really appreciate it. Though I seem to have dropped the reins a bit lately I AM going to pick them up again! I have had so much support here and really believe that I would not have been able to turn things around as much as I have without all of you.

    Hi George :o - no I haven't forgotten, I know that ways of this board are the only ones out of debt madness. I just have to remember to keep at them! I think it's almost worse for my self-discipline that we've had a couple of lucky (un-planned for) amounts of money come in. I have to treat them outside of the budget rather than let them sink into our account and think "oh, well I can relax for a bit now," because that is sick-thinking. If and when they turn up I know I should move them into our "savings" account (I use the term loosely..) or divide them between our creditors, or something... How are things with you?


    lucielle, I will get that SOA posted! I think it will be a shock for me..

    consultant, thank you! My first book is a true life account of my daughter. I have a lovely agent, but so far no publisher :o The story looks gloomy, although it isn't and now isn't a good time for them to take a risk, apparently. My novel is historical, starting in the first world war and it's about the damage secrets can do to a married couple. I'm aiming to finish it by the spring but even if it was snapped straight away it would be a while before it is published! Thank you asking.

    churchrat, thank you so much and I will keep posting - starting with that pesky SOA.. :eek:

    FMN xx
    LBM 16/06/08 - Credit card debts June '08 [STRIKE]£49,145 [/STRIKE].... Feb '13 balance £38,478 ... We'll get there :o
  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I know you can do it!!! (no pressure)
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
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
  • 599.4K 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.