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It's not rocket science, so why don't I get it?
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It doesn't all come in one go. It takes time to learn and hone this DWF malarky. As long as the totals are coming down you're heading in the right direction!
My spreadsheet's changed over the months and as I've learnt new skills, such as subtraction, become more advanced
Truly, at first I could only do add using the backwards 3 thingy
Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
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daily update
Feeling a little better today, I am sure the St John’s Wort can’t have kicked in already, but I am certainly not complaining!
I will be riding the Captain tonight and I hope he picks up on my feeling better and isn’t such a handful! It’s not his fault, we’ve been together such a long time and horses are very empathic creatures, as are a lot of animals. In an ideal world I wouldn’t ride when feeling down, but we don’t live in an ideal world and he needs the exercise (and so do I!)
Paid across 100.11 to the card, will be able to pay the council tax amount later in the month. Might get it sub 1500.00 this month! The payments will slow down once the council tax payments resume, don’t suppose the council will be that anxious to pay off my debts…:rolleyes:
Small amount of saving, the Captain will be getting his veteran mix feed for free! The yard owner has several very old horses in retirement he says it’s pointless buying the same feed twice and as the Captain doesn’t eat much of it I can use it at no cost! It’ll save me about £12 a month. :T
Been doing OnePoll for what seems like forever and have got my total to 30.30. It doesn’t pay out until 40.00, maybe another month or so? Still haven’t heard back from the scratch card site about getting my 25.00 payment from them, must drop another reminder tonight!
...and I've worked out how to do percentages! so proud....I've added them to my signature, most inspiring!:jTotal debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
0 -
daily update
Feeling a little better today, I am sure the St John’s Wort can’t have kicked in already, but I am certainly not complaining!
I will be riding the Captain tonight and I hope he picks up on my feeling better and isn’t such a handful! It’s not his fault, we’ve been together such a long time and horses are very empathic creatures, as are a lot of animals. In an ideal world I wouldn’t ride when feeling down, but we don’t live in an ideal world and he needs the exercise (and so do I!)
Paid across 100.11 to the card, will be able to pay the council tax amount later in the month. Might get it sub 1500.00 this month! The payments will slow down once the council tax payments resume, don’t suppose the council will be that anxious to pay off my debts…:rolleyes:
Small amount of saving, the Captain will be getting his veteran mix feed for free! The yard owner has several very old horses in retirement he says it’s pointless buying the same feed twice and as the Captain doesn’t eat much of it I can use it at no cost! It’ll save me about £12 a month. :T
Been doing OnePoll for what seems like forever and have got my total to 30.30. It doesn’t pay out until 40.00, maybe another month or so? Still haven’t heard back from the scratch card site about getting my 25.00 payment from them, must drop another reminder tonight!
...and I've worked out how to do percentages! so proud....I've added them to my signature, most inspiring!:j
Glad to hear your feeling a bit more up beat :j , better take it easy tonight on the captain tonight.:p
Great news about the dreaded card comming down and the saving on the food for captain.:T
Perhaps you could sell off manure to the local gardeners:T , you could offer a delivery service and exercise him at the same time , although I supect he'd eat all their flowers.:rotfl:
I dont do onepoll but know what you mean, my yougov last april was £4.00 now its £40 and still a tenner to go till payout so thats about 7 more months , although since this credit crunch started I seem to be getting them more frequently so I might be lucky and get it earlier.
Member of change Pip's name back to PIP club 
:jI've only blooming got my name on it :j0 -
Well done on the percentages - and £12 saving on food is very good isnt it??
Glad the flowers are giving you a lift xxTotal debt 26/4/18 <£1925 we were getting there. :beer:
Total debt as of 28/4/19 £7867.38:eek:
minus 112.06 = £7755.32:money:
:money:Sleeves up folks.:money:0 -
Hope you and the Captain have a good ride.
LTotal 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 #1240 -
:beer: HAPPY BIRTHDAY HAMPSTER! :beer:
:bdaycake:Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
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Hope you and the Captain have a good ride.
L
...and we did, small confession....
I bought a calming pheromone aromatherapy thingy to use with horses, it says it will calm the horse without making it lethargic, apparently releases pheromones that tell the horse you are good to be with. Okay, so a bit off the wall, but it worked!!!
He was affectionate, gentle and rode a dream, it was so lovely having my old friend back :T Will use it again at the weekend and see if it works again!Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
0 -
Tell me more, that sounds very interesting!
LTotal 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 #1240 -
thanks for the cake ,
You use the calming pheromoans or you idiot boss ?, worth a try
Member of change Pip's name back to PIP club 
:jI've only blooming got my name on it :j0 -
hampsterpoo wrote: »thanks for the cake ,
You use the calming pheromoans or you idiot boss ?, worth a try
Won't stop him being an idiot though....Today he handed round his report....with my name as author in the footer:rolleyes:Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
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