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  • FIRST POST
    • ploppy57
    • By ploppy57 25th Jan 15, 9:08 PM
    • 723Posts
    • 4,656Thanks
    ploppy57
    Off on our adventure....Jan 2015
    • #1
    • 25th Jan 15, 9:08 PM
    Off on our adventure....Jan 2015 25th Jan 15 at 9:08 PM
    Well I thought maybe I should start a diary so as not to fill the other threads with waffle....I thought I had started one the other day, but I just can't find it now, so maybe I didn't actually post it....LOL

    Anyway, after our LBM just over a week ago, we are now just waiting to send all details to SC and hope to do that this week as soon as we have our new joint account details...didn't want to do it before as don't want them contacting our old bank. Soon as we get the account number I will set up all our new DD's and contact Lloyds to tell them I want to downgrade our Platinum account to a Classic.

    Letters are all ready to send with the 1 token payment, which I will do this week as a few of the CC's are due at beginning of month. Hopefully the DMP will start in March.

    I have registered us both with Noddle, as advised on another thread and am surprised that we actually have a credit rating of 3/5....expected it to be lower!

    So what did we do this weekend? Well yesterday we decided to go for a carvery as we may not get too many treats in the future. I get the odd few hours overtime some months, so that was what we used to go out. 2 carveries ( I had the veggie option so was cheaper) and 2 drinks for under 16, so don't think that was too bad.

    Then today I signed up for a few more survey sites, but have noticed with a lot of them they keep saying I am not eligible etc.....probably because I am too truthful and have no kids, no pets and not a lot of interests etc....maybe I should tell a few porkies to get more surveys. Then we went for a walk in the sunshine to see if the Co-op had any offers just before they closed....they didn't but at least we got a nice walk.

    Now watching TV, cuddled under a blanket to save on the gas and just about to have another cup of tea. Lets see what this week brings.....
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
Page 6
    • ploppy57
    • By ploppy57 18th Apr 16, 8:00 AM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Great news Ploppy - so glad to see you back and fighting the predators again

    I've missed you. I feel an afinity with you as we started our DMP journies together and were going through the setup worries at the same time.

    Keep posting -x-
    Originally posted by January2015
    Thankyou I agree, whenever I have a problem I always think..."What would January have done"? LOL
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • ploppy57
    • By ploppy57 18th Apr 16, 5:34 PM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Had dentist appointment today. Had to find a new one recently as it turned out that ours wasn't as good as I had thought and there are a few things need sorting and when I got an infection recently, the old dentist was rubbish and not very nice at all, considering I have a real dentist phobia which has been made worse since I had the problem with anxiety last year. Anyway, I was recommended the best dentist in the area, who is brilliant with nervous patients, but has no NHS spaces so had to go private. Not ideal, but I think health is important and I decided to go for it and just take it one step at a time and only have the treatment I could afford. So went to the see him a few weeks ago and he said he would give me today's appointment for free to boost my confidence back up again and also to drill away the bad bits at the back and see exactly what needed doing to it. So now have a nice treatment plan that is going to cost about 700 in total. I have explained that I won't be having it all done quickly due to finances but I do at least have enough put by for the first extraction and hopefully will get more work from the casual work now to put by for the rest...slow but sure.
    So I no longer worry about things like this, it will either all turn out ok, or it won't. Personally I think all will be sorted....positive thinking and all that!

    Postie must have wondered what was going on today....13 envelopes dropped through the door, all from Ll***s and Hellif*x. Confirming the new DMP amounts and saying all accounts are now on their way to collections dept, which is what we were told in Feb, so don't know why it all takes so long.

    BC confirmed today that it will be 7 months to default but that it will then be backdated to the date we started our DMP...so that is even better.
    So all in all, things are going ok. Not come into a fortune or anything, but nothing bad has happened either.
    Hope everybody else is ok
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • ploppy57
    • By ploppy57 12th Jan 18, 11:00 AM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Well having not written in my diary for far too long, I decided I should get back into it. ...if anybody is actually remotely interested in reading it. Even if you are not, at least it will be something I can look back on in years to come and realise what a good thing the DMP was.
    I am still saving for the emergency fund...not going well as had too many expenses last year. It all comes down to me as any spare money OH gets, he buys stuff for himself that he says he "needs"...new bike boots, new phone case, new fleece....when I say new, they are actually mostly second hand, but I am not 100% sure he really "needs" them.


    Well things are still ticking along in DMP land, although would be better if we could pay it off quicker. There are so many things we really could do with purchasing and having to make a list in priority order. The main one being a new mattress. Ours is way passed the recommended 8 years (think we have had it almost 14 years) and is really bad now. Made worse by the fact that I have been diagnosed with Osteoporosis and am finding it doubly uncomfortable. Good mattresses seem to be expensive and not sure it is worth throwing away money on a cheap one that won't last long. So not sure what the answer is, but definitely need one sooner rather than later.
    Really need to do some decorating as well and sofa is really in need of replacing, as well as needing a new window & door in lounge and new bedroom carpet and also will be needing a new car in the next couple of years. So as you can see we need a lottery win.....LOL.
    Thing is, I believe that our health and bodies are more important than material possessions..(which is why the mattress is top priority), and even though we need all these things and have our DMP to pay, I am still saving for a cheap 4 night break in a caravan in UK, in May.


    Well that is my interesting life so far...lol. Still working part time, not sure I could do any more TBH, as I am exhausted most of the time as it is. Feeling a bit rough today actually, hope I am not coming down with something, as we are supposed to be visiting parents tomorrow....150 mile drive, as we had to cancel before Christmas due to everybody being ill.
    So will see how the weekend progresses.
    Until next time.....x
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • ploppy57
    • By ploppy57 12th Jan 18, 11:23 AM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Just adding...(feels like I am waffling today)....I am determined to have a good declutter again this year, did it a couple of years ago, but it has all built up again....thanks to OH...LOL. Soon as I have time I am starting one room at a time and hopefully finding a few things to car boot or sell on FB etc. Also starting a lot more survey/receipt upload sites etc to try and save more money.
    Onwards and upwards!
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • ploppy57
    • By ploppy57 29th Jan 18, 12:04 PM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Well weekend was good, we actually went out for a rare treat. Really wanted to go to cinema and see Darkest Hour so as I had had an extra day overtime this week, we treated ourselves....well I do get cheaper ticket now I am 60...lol. Then I found a 2for1 voucher for Bella Italia so we went for a late breakfast first.
    Now onwards and upwards with debt busting. Have contacted SC to to let them know we are going SM from Feb. Letters all sent to creditors enclosing a financial statement from the NEDCAB site. Just about to cancel the SC SO & awaiting the details of setting up new ones for each creditor, although some of them have already put their details on back of the original letters they sent us when they took over the debts.
    Am now saving a lot harder for different things by saving 2 & 20p's...its surprising how quickly it adds up. Also trying to get emergency fund back up again and also set a separate account to skim extra money from main account daily and put towards treats/cheap holiday etc.
    I have set up another account to put money into each month to save for F&F's, now that we are going SM. So all in all I am feeling very positive about things now & although our original DFD was many years away, the plan is now to get it paid a lot sooner by saving and trying to get some deals with creditors. Robinson's already offered us a 50% deal but we were not in a position to have the funds to accept....so hopefully next time we will.

    The only blot on the landscape at the moment is that I broke a tooth....well more like the whole tooth came away & have to go to dentist on Weds. I have enough money if he decides to take out the little bit that's left.....although I am petrified of dentists and don't really want him to do that. But if he says he can crown it, which would be better really as I have so many gaps already, then that will cost a lot more so might be a bit of a challenge there!
    Anyway, enough waffle for today. Thanks for reading.
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Suseka97
    • By Suseka97 30th Jan 18, 12:33 PM
    • 295 Posts
    • 393 Thanks
    Suseka97
    Have popped over from the DMP thread just to say hi and good luck with going self-managed. Good idea to get a fund going for F&Fs down the line and every little helps. I feel your pain, re the dentist, I also have a bit of a dentist phobia having had some 'not so nice' experiences with dentists in the past. I've got to make an appointment with a private dentist because I need some work doing that isn't covered by the NHS (which I find somewhat annoying) and have been putting it off because of the likely cost.
    Anyways - hope it all works out for you
    LBM Apr13: 14 Creditors / 85k+ owed
    Self-managed Aug17
    Current Status: 3 UE's and 3 with CCA's pending / 11k o/s
    • ploppy57
    • By ploppy57 30th Jan 18, 12:55 PM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Have popped over from the DMP thread just to say hi and good luck with going self-managed. Good idea to get a fund going for F&Fs down the line and every little helps. I feel your pain, re the dentist, I also have a bit of a dentist phobia having had some 'not so nice' experiences with dentists in the past. I've got to make an appointment with a private dentist because I need some work doing that isn't covered by the NHS (which I find somewhat annoying) and have been putting it off because of the likely cost.
    Anyways - hope it all works out for you
    Originally posted by Suseka97
    Hi and welcome to my diary and thanks for the good wishes.

    Looking at your debts in your signature, you have done really well in just a few years. Can I ask....did you make offers and were they accepted?

    I'm glad I'm not the only one with dental phobia. I found this dentist last year on recommendations and originally had a tooth out privately as he had no NHS spaces at the time. Then later in the year we transferred to his NHS list. I thought he had sorted me out and now this other tooth has broken off. Its really broken a lot so not sure what his options will be.
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Daydreambeliever
    • By Daydreambeliever 31st Jan 18, 12:38 PM
    • 29 Posts
    • 44 Thanks
    Daydreambeliever
    Hello Ploppy57, I am a long time lurker on this forum and post occasionally. I just wanted to say hello and I followed your diary back when you started with January2015 and I followed both of your diaries. Glad you are carrying on, I think it is a wonderful way to track your journey. I had been on a DMP with Stepchange for what seemed forever and unfortunately, as I was so constrained with my budget for fear of getting everything paid off, got into a mess of borrowing again with payday loans and Very catalogue. Anyway, back in January 2015, I knew I had to sort myself out and found this site and have never looked back. I followed you and January and along with Puzzcat got some backbone and contacted SC to add in these debts. Last year, I actually went self managed. So happy you are going SM, you won't regret it. I have recently had to drop to token payments again as my poor furbaby is not well and have vet fees. I also have a c/c account from mid 90's I never got around to CCAing so I am hoping to get courage to do that asap. My OH knows nothing of my debt, and only my sister and very best friend know. Even now, I feel so ashamed of my debt but I love this site because it is somewhere I can read up, get help, and not be so hard on myself knowing I am not alone in this. Anyway, keep on going and welcome to the Self Manage Club Have a lovely day and look forward to following your journey and good luck with dentist. Like you, I get very anxious about going. DB xx
    • ploppy57
    • By ploppy57 31st Jan 18, 3:07 PM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Hello Ploppy57, I am a long time lurker on this forum and post occasionally. I just wanted to say hello and I followed your diary back when you started with January2015 and I followed both of your diaries. Glad you are carrying on, I think it is a wonderful way to track your journey. I had been on a DMP with Stepchange for what seemed forever and unfortunately, as I was so constrained with my budget for fear of getting everything paid off, got into a mess of borrowing again with payday loans and Very catalogue. Anyway, back in January 2015, I knew I had to sort myself out and found this site and have never looked back. I followed you and January and along with Puzzcat got some backbone and contacted SC to add in these debts. Last year, I actually went self managed. So happy you are going SM, you won't regret it. I have recently had to drop to token payments again as my poor furbaby is not well and have vet fees. I also have a c/c account from mid 90's I never got around to CCAing so I am hoping to get courage to do that asap. My OH knows nothing of my debt, and only my sister and very best friend know. Even now, I feel so ashamed of my debt but I love this site because it is somewhere I can read up, get help, and not be so hard on myself knowing I am not alone in this. Anyway, keep on going and welcome to the Self Manage Club Have a lovely day and look forward to following your journey and good luck with dentist. Like you, I get very anxious about going. DB xx
    Originally posted by Daydreambeliever

    Hi and welcome to my diary. I am sure we are doing the right thing going SM. Determined to get things paid off even quicker now.
    Dentist was ok....as in he didn't do anything today, other than xrays. But I do have to go back to have a root taken out from a tooth that broke a couple of years ago.... Then there is a back one that has had a temporary filling in for almost a year now as I can't pluck up the courage to go and have it out as it is a back one and frightens me to death thinking about it. The one that broke the other day, he says is ok at the moment if he just smooths it down, unless I really want him to take the rest of it out......er....no.... So I now just have to pluck up the courage and make the appointment for the first one and see where we go from there....he knows how scared I am but he thinks if I have the easy one done first I will be ok....lol.....that doesn't compute properly in my brain....the one I had out last year was bad enough.....
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • ploppy57
    • By ploppy57 31st Jan 18, 4:44 PM
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    • 4,656 Thanks
    ploppy57
    Well today has been a day of 2 halves....good and bad. Went to dentist which was bad ...he didn't do anything, which was good.... Got to go back and have root out x 1 and tooth out x 1.. ....really terrified of that.

    On a good note, first of the letters popped through the door in reply to all my new SM letters I have sent out. PRA are happy to accept our new reduced payments on all 3 of the old MBNA accounts. The total outstanding on these 3 is only about 1800, which is quite a small chunk of our total debt, but one I would like to get rid of ASAP. So hoping with it being such a small amount, we might be able to save for some F&F's quite soon. I have also written CCA letters to them, so we will see what response we get back from them about that. If they don't comply, I will stop payments and see if I can force them to settle for a smaller amount.

    I have written to NewDay today, via the online account thingy, regarding my old Debenhams card. That has a balance of 261. I have been paying 5 with Stepchange but now that we are going SM, that would drop considerably. I have pointed out that as it would take many years to repay the debt, I hoped they would accept a reduced figure and offered them 130, which I said I could pay next week. So I will keep you all updated on my progress.

    So that's it for today, lets see what the future holds....
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • jwil
    • By jwil 31st Jan 18, 6:25 PM
    • 8,621 Posts
    • 26,623 Thanks
    jwil
    You are doing really well. Good luck with the F&F for the Debenhams card!
    "If you can dream it, you can do it". Walt Disney
    • ploppy57
    • By ploppy57 3rd Feb 18, 9:09 PM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Shattered today. Had to go and visit my dad so OH could fix his house alarm for him. He lives 150 miles away, so we left home at about 6.30 this morning & got back home about 7.30 tonight! Job's done for him...he's nearly 86 so obviously couldn't do it himself & OH had installed it in the first place....Cost 40 in fuel but didn't feel we could refuse and he did give me 20 towards it, bless him and bought us a nice lunch.

    Came back & checked the post to find Link had replied to my letter asking for their bank details in order to set up SO. They sent their bank details but asked for ours......Don't think so!!!!! Why would they need our details? Posted on the DMP support thread asking if this is correct. Really not wanting to give them our details.

    Hope everybody is having a good weekend.
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Daydreambeliever
    • By Daydreambeliever 4th Feb 18, 11:14 AM
    • 29 Posts
    • 44 Thanks
    Daydreambeliever
    Hello Ploppy, I ignored any request for bank details when I went self managed and just set up standing orders, I didn't complete any of their I&E just sent my own also. It is probably just one of their generic letters and as long as they are getting a payment that's all that matters. Enjoy your Sunday, lovely Spring day here in Midlands !!!55357;!!!56842; DB x
    • ploppy57
    • By ploppy57 6th Feb 18, 7:39 PM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Well, still no response from any other creditors other than PRA & Link...( although only for one of the accounts out of 3). I have bank details for some of the others as they were on their original letters so can set up their SO's, but if the others don't reply by the 10th they will not get their first SM payment.

    OH did our new car insurance renewal on Friday....never trust a man!!! Its the only job he does where our finances are concerned as I sort everything else, and he messed it up! Wanted to pay monthly but he ended up selecting wrong option and they have taken the full 190 out of the bank in one go! Now waiting for it to be refunded after he phoned up to sort it out. Fingers crossed its back in bank by tomorrow as its messed me right up.

    Apart from that, everything's fine....although I've still not made my next dentist appointment..... Must try and do it tomorrow if I can pluck up the courage.
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Onebrokelady
    • By Onebrokelady 6th Feb 18, 8:40 PM
    • 371 Posts
    • 1,007 Thanks
    Onebrokelady
    Hi Ploppy,I am just starting out on my DMP journey and decided to read your diary and i found it very reassuring,today I was feeling very fed up as little things went wrong and I have yet another cold (sound familiar) so it!!!8217;s nice to know that you overcame all the problems at the beginning and are still plugging away, I think Im just feeling sorry for myself today but reading your diary has cheered me up,Ive now subscribed so you will have to keep updating it now as my mental state depends on it......lol......
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 770.00 Total Now Owed = 16,860
    Emergency Fund = 400.00 Xmas savings = 250.00
    • ploppy57
    • By ploppy57 6th Feb 18, 10:42 PM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Hi Ploppy,I am just starting out on my DMP journey and decided to read your diary and i found it very reassuring,today I was feeling very fed up as little things went wrong and I have yet another cold (sound familiar) so it!!!8217;s nice to know that you overcame all the problems at the beginning and are still plugging away, I think Im just feeling sorry for myself today but reading your diary has cheered me up,Ive now subscribed so you will have to keep updating it now as my mental state depends on it......lol......
    Originally posted by Onebrokelady
    Hi, thanks for reading my diary. Please don't be put off when things go wrong at the start of your DMP. At the beginning I think I was so stressed by all the debt problems that I felt constantly bad. I think the main thing we did wrong at the beginning was to try and pay too much each month. I was focusing too much on getting it paid quickly. Then work problems meant I wasn't earning as much and we had to reduce our payments and I kept reading about other people going self managed and felt I didn't have the courage to do it..... ( OH leaves it all up to me and is no help in sorting stuff out at all...he'd basically go along with anything I suggest. ) Now I feel that the SM route is going to work for us and I am confident that we will be debt free much sooner than originally thought.
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • ploppy57
    • By ploppy57 9th Feb 18, 11:40 PM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    Well, on the DMP front, P*A have responded to my CCA requests by putting the accounts on hold while they search for relevant documents. I'm pretty sure they will struggle as they are old accounts, 1999, 2000, 2002. So keeping fingers crossed on that one.

    In other news....I rang up and made my dentist appointment!! 28th Feb! Will try not to think about it until then.
    Hope everyone else is ticking along fine.
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Onebrokelady
    • By Onebrokelady 10th Feb 18, 4:58 PM
    • 371 Posts
    • 1,007 Thanks
    Onebrokelady
    I am another one who hates the dentist,I havent been for such a long time because I was kicked off the list at my last dentist because I didnt go for my check ups, they used to contact you when one was due but changed the system and stopped doing that,only they didnt tell me so I forgot,I now dont have a dentist because finding an NHS one is impossible,we do have a really good dental school here though so if I have a problem I go there,the students always need someone to practice on and they are well supervised so its not as scary as you might think
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 770.00 Total Now Owed = 16,860
    Emergency Fund = 400.00 Xmas savings = 250.00
    • ploppy57
    • By ploppy57 10th Feb 18, 5:29 PM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    I am another one who hates the dentist,I havent been for such a long time because I was kicked off the list at my last dentist because I didnt go for my check ups, they used to contact you when one was due but changed the system and stopped doing that,only they didnt tell me so I forgot,I now dont have a dentist because finding an NHS one is impossible,we do have a really good dental school here though so if I have a problem I go there,the students always need someone to practice on and they are well supervised so its not as scary as you might think
    Originally posted by Onebrokelady
    I'm absolutely terrified of dentists. Our old one was not nice, and eventually found the current one on recommendations from a few people and he is lovely. He totally understands my fear. I have a tooth that broke off and left a bit of the root in and has to come out. Then there is another one that really needs to come out. I am starting with the route bit and see how I feel about making another appointment for the other one.....one step at a time.
    DMP March '15 57,549. Now 44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... 1000.
    Christmas '18 challenge... 22 /300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Onebrokelady
    • By Onebrokelady 10th Feb 18, 6:24 PM
    • 371 Posts
    • 1,007 Thanks
    Onebrokelady
    Good luck with your treatment,I know exactly how you feel,my original dentist was lovely and understood my fears but when he retired and a new lot took over it was definitely just business to them,they just saw the patients as money not people and were awful,I am fairly lucky that my teeth are actually really healthy and the only treatment I!!!8217;ve needed over the years has been wisdom teeth romving and a repair to a tooth I broke a few years ago,this repair didn!!!8217;t work so I had that tooth out so problem solved
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 770.00 Total Now Owed = 16,860
    Emergency Fund = 400.00 Xmas savings = 250.00
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