| T O P I C R E V I E W |
| Needafriend |
Posted - 02 October 2008 : 12:30:24
Hi ya Digman
I just wanted to wish you all the best for tomorrow.
It will soon be over and then you can get on with your lives.
Let us know how it goes. 
Its not as bad as you think, but i do know how your feeling right now. 
Keep smiling 
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| 12 L A T E S T R E P L I E S (Newest First) |
| Needafriend |
Posted - 02 October 2008 : 19:37:10
Hi again you Mother Hen here LOL
From what i can see that will be fine.
As i said earlier to you it will be ok. Not long now have a good nights rest and then you will be all refreshed for tom.
Have a clear head and be honest, dont panic, take the bull by the horns and no matter what you have the most important things waiting for you both back home "Your family"
Let me know how it goes and most of all Andy and Hayley keep smiling, it will be for the best and in a few days you wont know what you were worrying about.
LOL
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| digman |
Posted - 02 October 2008 : 18:44:26
Hi all , once again . Think tpnight i am going to go mad as tomorrow is rapidly coming and still got loads going on in head .
Right after taking on board the thoughts of ' the wonderful ' people on this site here is my final , final , final I&E ( i think !! aaaaargh ! )
Mortgage / secured loan £571 + £575
Gas / electric ( combined account ) £110
Water £33
Council tax £96
Tv licence £12
British gas service contract £17
Phone £46
Internet £19 - i know this will be disallowed but have included anyway as its a monthly expense + you never know !!
Home insurance £12
Life insurance £26
Food / cleaning £500 - 2 adults 3 kids
Clothing £95
Travel £60
Car insurance £20
Scooter insurance £9
Repairs / MOT / Servicing £35
Car tax £16
Scooter tax £1.50
Scooter finance £56
Hairdressing £ 25
Dentist £12
Modest uk break £40
Total £2386.5
Income £1580 my wage £570 wife wage £175.60 child benefit ( which as far as i know aint taken in account for IPA
Total £2325.6
Please ( one final time ) any thoughts !!!!
Andy |
| Needafriend |
Posted - 02 October 2008 : 18:17:33
GOOD LUCK MATE.
TTFN
Mother Hen! :-)
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| digman |
Posted - 02 October 2008 : 16:14:26
Aye , thats right Tracy , use me as guinea pig ... HaHa lol !!
Thanks tracy for your kind wishes . Will post tomorrow to let all know how it went .. good or bad !!
Can i just say thanks to everyone on here , experts and others going thru this alike . I have really appreciated the invaluable help and advice we have received . Without this forum i really would not have known where to start . All have been so supportive and helpful and most importantly non - judgemental !!
THANKYOU ALL . Roll on tomorrow ....... |
| tracy_b |
Posted - 02 October 2008 : 16:05:29
Hi Andy,
Good luck for tomorrow, letus know how you get on as i am going BR next week. I'm sure it will all be ok. Looked at your I&E any mine is very similar so will be interesting to see if the OR accepts.
Good Luck again and we will all be thinking of you.
Tracy x x |
| Needafriend |
Posted - 02 October 2008 : 14:30:19
Hi i did say on there that my OR allowed us for a family of 5 £155 for clothing.
They dont include CB with the I&E either as thats for the kids.
Good luck to all
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| digman |
Posted - 02 October 2008 : 14:26:16
Thanks for taking a look Jo . |
| Needafriend |
Posted - 02 October 2008 : 14:23:22
Hi Andy
Have looked at your I&E looks fine to me.
Take care
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriend's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| digman |
Posted - 02 October 2008 : 14:05:38
Thanks Julian , will post tomorrow definately !! |
| JulianDonnelly |
Posted - 02 October 2008 : 14:04:30
hi andy & Hayley,
I'd just like to join the others in wishing you the best of luck. Please let us know how you got on.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
| digman |
Posted - 02 October 2008 : 13:52:07
Thanks Jo & Jenny for your kind wishes for tomorrow . Just finishing off the SoA I&E etc etc , quite mind boggling to be honest but think we are there abouts now . Have posted what i think final figures are in another thread ( SOA sect 7 i think its under ) so could do with any thoughts re that .
Appointment is at 10.15 tomorrow so will be leaving home about 9.00ish
Thanks again ,
ANDY & HAYLEY |
| movin on |
Posted - 02 October 2008 : 12:32:33
Hey Digman
I will certainly echo that
Wishing you both lots of luck tomorrow i will be thinking of you both
What time is your appointment?
Jenny
The weights are coming off my shoulders very slowly, but making such a big diference !! |
