Today is a new day!

scrooge2008

Excellent post PandF, I know you'll do it.

It's 6.02 am now, hope you are up and working through that paperwork .

'Life Plan - Operation Go for It', sounds like a military campaign, but that is what the great business leaders like Jack Welch advise:-

"Good business leaders create a vision, articulate the vision, passionately own the vision, and relentlessly drive it to completion".

Have a good week and campaign!

POSITIVE_AND_FOCUSED

Thank you for your encouraging words! I love the quote Scrooge. Will copy it out and add it to my positive bits and bobs I have around the house!

Well, yes indeed 6.02am saw me out of bed and having a cuppa in the garden, in the quiet of the am, getting my head together, listening to the sound of the birds, the train at the bottom of my garden, the cows the other side of the railway line, the stillness in the air and amazed at the sight of the moon as the sun was rising. Lovely!. Then proceeded to do all the paperwork I wanted so v chuffed. Culminating in getting dd to school on time so quite miraculous all things considered!

2 things to detail today. My order value I was expecting to be between £300 and £500 is now fast heading toward £600! Yes, thank you god! Will know exactly when I put the last of the orders through tomorrow. Target is now £1500 each week personal sales, so far done nearly £1200/1300, so looking good! Yes! Just need to make equally good progress with building my team. It will happen, I will get there! Lots of calls to make tomorrow so will expect good results from those.

The auction man came. Hes getting back to me within the week with final valuations. All looking positive though.

Off to bed, another busy day tom, looking forward to it though. I think I have turned a corner through doing this diary. I am looking forward to each day by and large. Im enjoying being a mum, Im working on my attitude, Im visualising success and Im enjoying the debt reducing challenge, and of course working my business. This period of my life is proving life changing for me. Night!

scrooge2008

Morning,

Glad things are going in the right direction. I loved your description of the early morning. I love this time of day too, though tend to spend it in front of the computer.

I like an hour before anyone is up, to get my head together, and plan the day, catch up on MSE etc.

POSITIVE_AND_FOCUSED

Well feeling a bit at a lose end, enjoying the additional unexpected time to myself. Should be at dds school dropping her off, however a kind neighbour/friend offered to take dd with her two and my dd was so excited at the thought of going with her friends how could I refuse! The good news today, can confirm a total of £443.82 has been cleared off my mortgage and secured debt this month so thats great!

So far today have made some scones for a friend Im meeting for lunch today. Will be working up til 12.30pm, enjoy the lunch with friend, then collect dd from school at 3 , then dd and I will be doing some deliveries for an hour or so, then back home, do dds supper, help with any reading she has, and then on the phone making my bus calls before getting ready for tom.

The sun is shining here!

POSITIVE_AND_FOCUSED

Have well and truely landed with a bump today. Checked my acc, MBNA have taken their payt today instead of the 11th as agreed. The bank are going to charge me because the 2nd ddebit due today to Egg hasn't gone through, and Egg will no doubt charge me for that dd being returned. Have contacted MBNA, and apparently the woman I spoke to last week completely misinformed me. Feel so gutted. Have to obtain proof of all the charges, write to MBNA requesting that they refund me. Cant access my Egg acc on line for some reason, so will tel them after taking dd to school. So, plan of attack, contact egg to explain and ask for a letter detailing their charges, obtain bank letter of charges, write to MBNA specifying the name of the woman I spoke to who has kindly told me she will sort it, wait for their refund, wait for their response from my letter re interest rates - they said they would contact me by the 14th, then depending on response contact the Account Review Dept who may be able to help me with payts, set up a better repayment plan than the current one.

Feeling done in, am behind with my work, need a cup of tea, need to stop this panicky feeling, and get on with the day. Must focus on all the positive avenues happening at the mo, but its so hard at these times isn't it. Feel as if someone has kicked me in the gutter!

Onwards and upwards, it cant get any worse than this, and I wont allow it to. Just need to get rid of my heart beating in my throat!

hypno06

arrgh that is so frustrating - when you have done everything you can to ensure things don't cause a problem :mad: I am sure that everyone will refund etc, but make sure you put on your letters "and I would be grateful for your confirmation that this will not show as a negative on my credit file".

Go grab that cuppa, take a deep breath, and get on with the day - you can do this!

hypno06

Oh, and I can't get into egg accounts either - home page is ok, but can't get any furher than that.......try again later.

Katy83

Oh you poor thing - I've just read through your diary and you have such a positive can-do attitude it is a real inspiration. There is nothing more frustrating than bills coming out when you don't expect them, good luck on getting it sorted out xx

aplaceinthesun

Oh no ... how frustrating afterbeing toldf by MBNA that the date change was OK .... just wanted to send a little hug your way ... x

POSITIVE_AND_FOCUSED

Yes, thank you for your words of support! Given myself a headache crying about it all, realise at these times just how fragile our existence is at times. Need to address it somehow.

Contacted Egg by tel, apparently your cr rating isn't effected unless the second attempt to take the dd fails. The charge from them will show tomorrow, and so I will fax that and the inevitable charges advice from the bank to MBNA who have assured me they will refund.

Planned to go to a Spin Class today, not going now, just need to focus on work, catching up with that. Getting through the day too. Have a lot on. Keep my head down, and keep looking forward.

So, will go to Spin on fri as planned, and hopefully things will be more on track generally by then anyway.

This has decided me once and for all once the valuations are received by me, am def going to sell my antique furniture from gran, my Mackenzie Thorpe limited edition pictures and Linda Jane Smith limited edition pictures. Am def going to work ultra ultra hard to ensure my bus succeeds and bring my df date forward substantially. There is a fighting spirit in me somewhere under this flipping headache!!
Have a good day!