Clawing my way out of debt!

catspaw

NSD NSD NSD!!!!:j for yesterday!!! That makes 3 this month, maybe next month I should go for 10 as my target this one is 5.

Today isn't going to be though, got a meeting that involves using a public paying car park and then off to a client. Neither are close enough to use public trnasport....so that's petrol and parking for me today then:mad:

BUT, tmw should be as I am at a clients all day.

This self employment isn't too bad ( ish but it's early days yet). I might even get away with wed-Fri as NSD ........watch this space.

Am dreading my first set of bills in this new place, as I work from home the PC is on all day and charge my phone here, one upside is that the house is so full of light I don't need the lights on at the moment...that will change as winter creeps in.

must post and run as have to get that petrol

catspaw

mmmm, not a NSD today as had managed to run out of milk at 5a.m.....must remember to buy extra and start freezing it.
Made my PAD and checked my balance:o now as I have just started this self employment lark things are going to fluctuate just a tad, I do have money coming in next week from a client but not a lot

SOOOOOOO, In thanks to Westiedog I will now bite the bullett and start posting my Bank balance: todays balance is after a few payments have gone out

£39 in credit

of to clients now

catspaw

:mad::mad: what happened to the NDS???? I spens £1 during the day- 80p on 4 very dodgy cups of coffee and 20p on a soggy chocolate bar......that's it, am taking a flask tmw, a large bottle of watre and a chocolate moose.

And then my delightfull soon to be EX Hubbie raises his head, with some paperwork for a parking fine for me that he has had since JAN!!!!:eek:

I didn't even recieve a ticket on the car when it happened....so had to ring the court-the original ticket was for £35 and now it is £240 and they want to increase it:mad:

Seems I need to do some running around to sign something to say that I didn't know about it.
But how come the muppett has heald onto it since Jan is what I want to know??? mmmmm wonder if voodoo is legal?

last thing I need today especially as I have an assignment to be in by Friday.

cocalls

oh no thats one more stress you dont need from ex oh good luck with the assignment for fri

catspaw

Right , a good/bad day today
good: need to sign a form for the parking ticket saying I knew nothing about it or it going to court ( very easy to do as have proff I wasn't living with my ex):D

Bad: not a no spend day, managed to waste money on 2 cans of coke and a cheese burger....mind you as I managed to drop my homemade lunch on the floor I had to go and get something

Also seem to be on a downer at the moment with the exercise. I am supposed to be running the Jungle marathon in Oct for a charity, seems there are problems with the way they fund the entry fee and now I have to find everything up front as opposed to through a just giving page:mad:

as I have had a few friends sponser me I have to now raise £2K in a matter of weeks:eek: , but a can't seem to get the motivation to train/write the press release/get picture taken for it......and so it goes on.
So, have asked my housemate to drop me off at the clients twice this week and as I am only working mornings there I can run home.....think its about 15 miles though............maybe I'd better check!!!!

Also seem to have lapsed on my PAD ( but payment next Friday means I can take a large chunk off the Cap1 CC so it WILL be cleared by Sept.
Will take a look at some of these challenges ie maybe this make £10 a day on e and have a good look at the old style MS boards to see where I can cut down.

Have decided to see if I can be DF by 1st Jan 2010.

catspaw

you ever get one of those days where you want yo rant at everyone??
Bloody Barclays took out my final charges dating from 26may to 26th june of £66 with no warning :mad::mad: usually I get a letter but nothing this time

Mind you that rerve is cancelled and I have no overdraft so it won't be happening again

Tmw is DD1s brithday and am taking her and DD2 and 2 friends to see the new Harry Potter so def not a NSD, will make Thursday one though.

Did a calculation on my debts tonight with what the DMP said would clear it and it will take anohter 6 1/2 years if I do it that way..........must make more money...must...must

as I am self employed this is a bit of a struggle at the moment but will take sort temp jobs to try and help, if the money goes directly to the debts then I won't be tempted to spend it.

WILL clear Cap1 CC by end of August and am aiming for Van by end of Nov.
Am waiting for a responce form Barc re the loan as had PPi with them but nothing so far.........only Welcome to go:rolleyes:

Lemon_Tree

hi sorry it's been a good day/bad day today.
at least you know now what the worst case is 6 1/2 years, you can make many small changes which will bring it closer.
although i never really calculated mine when i first started out i'm sure mine was well into the 2020's and i've been working on it for 3 years now, blimey is that a long time come to thing about it.

catspaw

It's just the shock when you see it written down for the first time and then realise how old you'd be:mad:

I'm not standing ofr it I tell you I'm not ( in fact I'm going to lie down and have a drink-Iwish:p)

Have had an ok week I suppose. DD1 birthady treat to the cinema with friends went of without a hitch, Harry Potter was quite good. Luckily had budgeted for the train tickets ( wonders of a family rail card FREE from on here) and the ice cream and McDo's. Kids weren't too bad either.

Also had extra spends of kids clothes as both DD's seem to have grown overnight, and now brakes are going on car.

Mind you client did pay me for the first time even though that has been eaten up with petrol and bills. Bad news is project was stopped on Thurs and is likely to be back up on Tues- ho hum.

Have signed up to Greenmetropolis and advertised 15 books and am now looing at scratchcards and maybe bingo and maybe even eBay.

Am aiming for Tmw and Monday to be NSD.

£18.55 Bank balance as of today (Thank you Westiedog for the idea) now all I need is people to yell at me if I spend anything:eek:

Lemon_Tree

hi i've got what has to be a good weekend as OH isnt' having to work. we went shopping today and got some much needed stuff but now i feel guilty. I've also got into the trap of playing scratchcards that you pay for, all because i won a few thought there was a glitch in the system - no it was just to fool me. i'm so annoyed at myself.
at least i've got washing dry today yay for some sunshine even if we did bake whilst shopping.
not got much planned for the rest of the weekend bit of gardening and sorting out, skint until payday, and trying to get my Oh to understand why i don't want him to get further into his OD

catspaw

Morning Lemontree,
know the feeling about the shopping, even if it is needed...is this a side effect of being a DFW? that we feel guilty even when buying food/cleaning stuff:rolleyes:

Has your OH had his LBM yet?

mmm, how do these scratch card things work then?
I know the mathematical odds of paper ones ( oh the wonders of having a mother who taught a leve maths and chemistry), it stopped my buying lottery tickets years ago!