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Any room at the Inn?
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Hi OBNW!!
Don't fret over the debt-busting... we've all been through feeling like things are not moving as quick as we would like! ... well I certainly have!
Good luck with the spreadsheet instructions... if they make no sense, I can email you a copy of the spreadsheet I made up for Rags... its not particularly pretty - but it is functional.... which I think is more important! Icould put in an extra column in for your 'steps' if you like.. daily, weekly, monthly and even annually.... could be interesting!!;)
Is there anything else you can do to give you a new focus on the debt-busting? I only ask as this afternoon I am sorting through the mobiles that I have laying around and am going to organise sending them off to get some 'free money' for them.... every little helps!
Have a good weekend. I am toying with the idea of going to the pub this evening for a few drinkies..... well why not!!?
Nats xstart = Wed 19th Nov 2008 £21,225
end = Mon 28th Sept 2015 DEBT FREE!
I love a good plan - it may not work.... but I love a good plan!0 -
I am just over 12 months into debt busting and still feel I don't have a handle on it.
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 -
:hello: hi OBNW
what have you been up to? I have not done very much today, was supposed to be doing some packing or something towards the move but decided to make flapjack instead, using my shiny new measuring spoons!
catch you soon
kdnew challenge?£1 a day for Christmas 2024 £367 / £366 ~Got married 24/05/19 ~ Credit CardDFW Nerd #1155 ~LBM 25/2/09 ~ Debt at highest £8,037.35 ~ £00 -
Hi OBNW
:grouphug: I think we all go through that moment... when you've been good but don't see an instant result so it brings you back down a peg or two.. ... I guess I've been trying to make it my main focus that I've not been getting further into debt at the moment and I'm living within my budget (even if that means budgets shifting about).
Boo to Aunt Flo... she really doesn't help things the b!t*h... :mad:
Hope you had a good weekend and are feeling a little bit more positive.. I'm off to start a new to do list!!!
xxxLBM - 17th November 2008 - better late than never :rolleyes:
Challenges - 2009 - Reduce CC to £1k by December
June - Food £86/£130 * Petrol £50/£80 * Weekly allowance * £80/£1600 -
Where are ya? (in a kind of chanty voice!!)start = Wed 19th Nov 2008 £21,225
end = Mon 28th Sept 2015 DEBT FREE!
I love a good plan - it may not work.... but I love a good plan!0 -
SSSShhhh I'm here big bosses over from the states;)
They expect me to be busy 24/7:rolleyes:
will try and get my act together later.LBM- finally kicked in 16/12/08 @ [strike]£41,862 [/strike] £0.00/ DFD- 24/12/13
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Whispers: "Sorry!"start = Wed 19th Nov 2008 £21,225
end = Mon 28th Sept 2015 DEBT FREE!
I love a good plan - it may not work.... but I love a good plan!0 -
Goodness so long until payday:eek:
And next month is going to be horrific!
DD3 is 18 on the 24th DD2 is 20 on the 27th and OH says his fishing fees are due on the first and they are £220:eek: :eek: but it's his passion and I love diving soanyway so this debt is not going to shift as fast as I like.
I've sold 5 books on Amazon and made a life changing amountof money, but every little helps.
BIg bosses still in from US so I'm off again back soon.
xxxLBM- finally kicked in 16/12/08 @ [strike]£41,862 [/strike] £0.00/ DFD- 24/12/13
0 -
Hi!! Glad the spreadsheet instructions made sense!!
Are the sexy over the knee boots in honor of your big American Bosses?start = Wed 19th Nov 2008 £21,225
end = Mon 28th Sept 2015 DEBT FREE!
I love a good plan - it may not work.... but I love a good plan!0 -
natsplatnat wrote: »Are the sexy over the knee boots in honor of your big American Bosses?
:rotfl:
Just wanted to reply to you here on the boring grown up Mortgage stuff (sorry!) – fixed rate – yep mine runs out end of this month, they originally wrote to me in January telling me it was running out and ‘to go on… give us a call to discuss future options’… so I did…. The fixed rates they were offering were pants!! But mainly because my LTV is 90% - so they were offering 6.?? % (?? – can’t remember exactly what!) … which is more than I’m paying now.
The variable rate however, is currently 3% - Am with the Nationwide, and part of their rules is they’re only allowed to charge 2% above the Bank of England… who cut it recently to 0.5% - so that should follow in a few months. My mortgage is quite small though as I’m shared ownership – so am only saving £70 a month – whereas most with bigger mortgages will be much better off!!!
So I would say you’re due a letter soon, but its not a bad time to start looking into it….. I posted on the mortgage boards and there are some Yoda’s over there with wise advice!
xxLBM - 17th November 2008 - better late than never :rolleyes:
Challenges - 2009 - Reduce CC to £1k by December
June - Food £86/£130 * Petrol £50/£80 * Weekly allowance * £80/£1600
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