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Where am I going wrong???
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Not done a lot of anything today - have been having trouble breathing so apart from doctors and hospital for Xray, that's been it... Good thing is no spending (didn't park up the hospital, Mum dropped me off and picked me up - good ol' Mum...
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Have done my meal plan and we had chicken and rice tonight, so no takeaways as I had already got the chicken out last night, even though I didn't feel like cooking, so that was good.
Have sorted out the £700+ over our overdraft thing - had doubled up on a couple of things so removed those, have moved the dates of some others and am only about £200 over now - which should be fine as I am owed more than that in wages... phew, what a relief that is...
I'm going to look at it a bit better later, but for now it is OK and that's the main thing...LBM April 2013 - £29,000.00Vanquis CC's PAID - Debenhams SC PAID - A+L OD PAID - Asda CC £783.75Barclaycard CC £1400.78 - BoS CC PAID - Freemans Cat PAIDF/D Loan & CC £1458.96 - Santander Loan PAID - Mum Loan PAIDRBS OD PAID - F/D OD £1026.52Weekly Grocery Challenge - £95.00 budget / spend £-0 -
Quick Hello from me.
So......
Hello.
Going to suscribe to your diary.
You are doing well, keep it up.
Nice progress so far.
Re: Maestro card, leave it at home....... Works for me as I am a Marketing Man's dream - Impulse buyer left, right, centre, below and above. I can't resist.... though I am now, cos I leave my cards at home.** Proud to be dealing with my debts **LBM - Jan 2009 _pale_ : £24,802.21 :eek:February 2010 :silenced: : £18,078.47 (not including OD)July 2010
= £16,819.34 (not including OD)
January 2012 :mad: = £14,338.75 (not including OD)0 -
The_Golden_Goose wrote: »Quick Hello from me.
So......
Hello.
Going to suscribe to your diary.
You are doing well, keep it up.
Nice progress so far.
Re: Maestro card, leave it at home....... Works for me as I am a Marketing Man's dream - Impulse buyer left, right, centre, below and above. I can't resist.... though I am now, cos I leave my cards at home.
Thanks for the support, it really helps and I think you're right - leave the cards at home once the money is out is the best way.
I've got two days this week that are going to be tough - Thursday I'm working, so will have to make sarnies to take with me or I'll be tempted (I'll have to get those lunch bars for the car quickly) and on Friday I'm going to Grand Designs Live at Excel - now THAT will be tough. Will definitly not be eating there that day, much too expensive, but will probably be having lunch out with my friend, plus cost of train there (free tickets) So will see how this goes... wish me luck! LBM April 2013 - £29,000.00Vanquis CC's PAID - Debenhams SC PAID - A+L OD PAID - Asda CC £783.75Barclaycard CC £1400.78 - BoS CC PAID - Freemans Cat PAIDF/D Loan & CC £1458.96 - Santander Loan PAID - Mum Loan PAIDRBS OD PAID - F/D OD £1026.52Weekly Grocery Challenge - £95.00 budget / spend £-0 -
I have no idea where you're going, but if there is green space near there and a decent weather forecast why not suggest a picnic?Flylady_Flower wrote: »Thanks for the support, it really helps and I think you're right - leave the cards at home once the money is out is the best way.
I've got two days this week that are going to be tough - Thursday I'm working, so will have to make sarnies to take with me or I'll be tempted (I'll have to get those lunch bars for the car quickly) and on Friday I'm going to Grand Designs Live at Excel - now THAT will be tough. Will definitly not be eating there that day, much too expensive, but will probably be having lunch out with my friend, plus cost of train there (free tickets) So will see how this goes... wish me luck! 0 -
flying_fresian wrote: »I have no idea where you're going, but if there is green space near there and a decent weather forecast why not suggest a picnic?
Thursday is work, and we'll be emptying two storage units and dropping the stuff off to a show home - sarnies will be fine, we'll probably eat at the show home or in the van knowing us...
Friday I don't know - It's at Excel in London - Here - (by the London Airport) have to admit, it's only a short distance from me but I've never been so not sure whats about there - I know Docklands is lovely but not sure how far we are from there... good idea though, might take a look at that, thanks FF:T Ohhh, just thought I have a proper picnic hamper, with real plates and glasses and everything that I got free from Viking stationers (I love stationary...;)) but will be too big to carry around all day though, shame... LBM April 2013 - £29,000.00Vanquis CC's PAID - Debenhams SC PAID - A+L OD PAID - Asda CC £783.75Barclaycard CC £1400.78 - BoS CC PAID - Freemans Cat PAIDF/D Loan & CC £1458.96 - Santander Loan PAID - Mum Loan PAIDRBS OD PAID - F/D OD £1026.52Weekly Grocery Challenge - £95.00 budget / spend £-0 -
Wow.......That looks amazing:)
I would love to go to the grand designs show:D
Im jealous!!!!:)
Have a look to see if there are any resturants like pizza express around and download the vouchers from the home page 2 for 1 meal deals!!!:jIm going to be frugal:j:DIm going to be frugal:D;)Im going to be frugal;)Beetlejuice Beetlejuice...................:rotfl:0 -
mumoffour77 wrote: »Wow.......That looks amazing:)
I would love to go to the grand designs show:D
Im jealous!!!!:)
Have a look to see if there are any resturants like pizza express around and download the vouchers from the home page 2 for 1 meal deals!!!
Like your thinking... LBM April 2013 - £29,000.00Vanquis CC's PAID - Debenhams SC PAID - A+L OD PAID - Asda CC £783.75Barclaycard CC £1400.78 - BoS CC PAID - Freemans Cat PAIDF/D Loan & CC £1458.96 - Santander Loan PAID - Mum Loan PAIDRBS OD PAID - F/D OD £1026.52Weekly Grocery Challenge - £95.00 budget / spend £-0 -
Hello
Just read your diary well done on progress so far. I must admit that takeaways, cream cakes and other silly spends are a weakness of mine as well. So far not hit a Grocery Challenge budget yet this year. Ifind writing down the spends on my diary helps as well. BTW miss your good bad and ugly!
Did you use the make sense of it SOA? http://www.makesenseofcards.com/soacalc.html ? If so you can automatically download it into the snowball calculator to work out the best way to pay off your debts. Generally highest APR first ie Vanquis. Here is the snowball link if you just want to do that on its own http://www.whatsthecost.com/snowball.aspx:jMay 2013 new beginnings:j0 -
Keeping_Positive wrote: »Hello
Just read your diary well done on progress so far. I must admit that takeaways, cream cakes and other silly spends are a weakness of mine as well. So far not hit a Grocery Challenge budget yet this year. Ifind writing down the spends on my diary helps as well. BTW miss your good bad and ugly!
Did you use the make sense of it SOA? http://www.makesenseofcards.com/soacalc.html ? If so you can automatically download it into the snowball calculator to work out the best way to pay off your debts. Generally highest APR first ie Vanquis. Here is the snowball link if you just want to do that on its own http://www.whatsthecost.com/snowball.aspx
Thanks, didn't feel very well yesterday, so didn't do my good bad and ugly, but will go back to them today...
I have done the snowball calculator but haven't looked at the make sense of cards SOA - definitely worth a look... thank you LBM April 2013 - £29,000.00Vanquis CC's PAID - Debenhams SC PAID - A+L OD PAID - Asda CC £783.75Barclaycard CC £1400.78 - BoS CC PAID - Freemans Cat PAIDF/D Loan & CC £1458.96 - Santander Loan PAID - Mum Loan PAIDRBS OD PAID - F/D OD £1026.52Weekly Grocery Challenge - £95.00 budget / spend £-0 -
That's 95% correct. But just to add the extra 5%Keeping_Positive wrote: »Did you use the make sense of it SOA? http://www.makesenseofcards.com/soacalc.html ? If so you can automatically download it into the snowball calculator to work out the best way to pay off your debts. Generally highest APR first ie Vanquis. Here is the snowball link if you just want to do that on its own http://www.whatsthecost.com/snowball.aspx , http://www.makesenseofcards.com/soacalc.html allows you to create an SOA. Having created the SOA, you can then click on the "Snowball" button which opens up the same site's Snowball Calculator and loads the data from the SOA into the Snowball. If you want to go straight to the snowball calculator, it is here http://www.makesenseofcards.com/snowcalc.html and you can either type all the details in from scratch or click on the "prefill from SOA" button.
There is an older, well-used and excellent snowball calculator at http://www.whatsthecost.com/snowball.aspx, but that is different to the one above and does not integrate with the SOA Calculator.
Footnote. I did speak with the author of the whatsthecost calculator to see if there was a way that we could integrate with my SOA calculator but it wasn't technically feasible. That is the main reason that I wrote the new one.
ClarimanAuthor of the first Stoozing FAQ on the Internet and Creator of the SOA & Snowball calculators at Lemonfool.co.uk0
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