£70 a day's what the panda will pay!

hypno06

Glad to be an inspiration.....but sorry that Cuthbert has gone. Perhaps he can make an appearance elsewhere on the board!

good luck with the £70 a day - you are even better at finding the extra money through various "schemes" than I am so I have no doubt you will do it - and I bet you will be debt free long before you are 35. (oh to be young again!).

pandapaws

hypno06 wrote: »

Glad to be an inspiration.....but sorry that Cuthbert has gone. Perhaps he can make an appearance elsewhere on the board!

Yeah, I'm kinda missing him already!

Karmacat

Hypno! I *know* you're still in your 30s, stop teasng Panda! :rotfl: Now if *I* was to be in my early 30s again, *that* would be something....

Anyway.... Panda, just wanted to say, I know I was the one who fell down and made the crack about the lottery, but seriously, the £120 a month storage charge is much more important, as Tyllwyd said, even on your money thats a big amount. Doesn't matter that its on the business account - if the business is in the black to a larger extent, you pay yourself more or something. Its still money!

I love the £70 a day by the way. great stuff.

tyllwyd

"Originally Posted by pandapaws
Floxxie, I'd definitely recommend getting help with the housework - I've got a lovely Polish girl who does the ironing and gives a bit of help cleaning and it's well worth the money, otherwise these things just wouldn't get done and I'd be a billion times more stressed than I am already."

Just noticed this - I totally know where you are coming from (I still miss the lovely Polish girl who used to come to us a few years back) but if you are paying this every month, shouldn't it go on the SOA???

And the cars - I know you've said that the insurance is more or less free, but you've got two cars at the moment, so that must be, say £20 per month for the tax and the same for servicing/maintenance?

pandapaws

You're both totally right about the storage, it does need to go. But it's a 40 foot long unit and it's crammed to the brim with stuff, so it ain't going in a lunch hour! Any volunteers to help?! It's the kids that are the problem more than anything, if it was just me & OH we'd have it done in no time. I can't wait to get rid of it, that's £120 a month more for [strike]handbags[/strike] debt repayments!

The other things haven't been put in my SOA because I don't pay for them every month - I know you're supposed to divide by 12 and all that, but we just don't do it that way, and if I put figures in the SOA for all the other things I'd just be making them up with no intention of sticking to them, as I generally just spend what I need. We've got a bit of a surplus each month (which varies depending how much extra has come in on top of the wages) and we just spend that on whatever is needed that month. Anything left over can go to making extra payments (not many at the mo because of all the house stuff).

If I was in a position where the outs were higher than the ins, then I'd include it all but fortunately we're not, so I'd rather just keep it as it is. We actually made about £80 profit on the car insurance last year, so it would be hard to include that in the SOA anyway...£6.66 a month under other income?:D When it's so difficult to quantify I'd rather leave it out. As for Eva, she just comes as and when it suits us both. This is also something that comes out of my remaining spending money rather than a household expense, so I didn't include that either. If I couldn't afford her, she'd stop coming so it isn't a fixed cost. But I do appreciate the food for thought, keep nagging me guys, it's what I need!

Karmacat

I know what you mean.... I have my mortgage, a French mortgage, and a fixed rate loan - and I can't snowball any of them, or get a debt free date that means anything. The loan and the English mortgage both happen to finish in 2012, the French mortgage finishes .... um... bit of controversy here, but its either 2020 or 2121 eek.... the English mortgage is interest only with an endowment policy as the repayment vehicle, its *all* awkward and unwieldy - this is the reality of our lives, not the neatness of an soa!

lunar

Panda, so glad to see you back on the board, with new motivation.

Imagine what your debt total would be if you had done all these things (moved, had a baby, bought a car) without having your LBM! you would prob be much worse off. You did move so you can keep on working and not increase your debt and im sure you will more than met your new targets. You have pretty good interest rates on all the debts so that will really help.

I cant believe Greg is 5 months! I cant believe how quickly this year is going. I only have 5 more weeks to work then will have 5 weeks before my due date. My doc doesnt want me to work past 35 weeks.

Glad to see you have a new diary up and running, from a fellow Yorkshire girl I will be reading with interest as normal.

Floxxie

pandapaws wrote: »

Good luck! Might do the squares thing later. Hypno, you should take out copyright on your motivational ideas, you could charge me a fortune! (But please don't!)

I've got the squares already and have put them away as they were stuck on my wall and I could see I was making zero progress - got very down about! Perhaps now I am motivated it can come out again.

Shame about losing Cuthbert - no news here about another child but fingers crossed it will happen soon (any excuse not to eBay - lol!)

And great idea about an 'as and when' cleaner and being s/e. Will get that sorted outt in the next few weeks.

I shall be following with interest as I'm in the same boat as you - children taking up my day and then too exhausted to so anything at night!

Floxxie

Purpleroses

:wave:
hi panda! glad to see you're back and all is well in the panda household!

Lucifa73

Floxxie wrote: »

I've got the squares already and have put them away as they were stuck on my wall and I could see I was making zero progress - got very down about! Perhaps now I am motivated it can come out again.

Floxxie

Excuse me for butting in but what is this 'squares' thing that's been mentioned a couple of times?