Today is a new day!

brizzledfw

Hi P&F know how stressful it was last winter with the snow and bad weather so hope this cold snap passes soon and doesn't affect takings too much. You sound like its all coming together so well done.

Sending positive thoughts!!!

Brizzle x

Verbatim

Beautifully worked out and organized as ever PAF. I too hope that the snow and ice clears where you are asap.

Good luck with the new business ventures and parties.

beanielou

Great to hear you sounding so positive :j

ani*fan

Hi PAF

So glad to hear about you enjoying your treats! :j Fantastic!

Just wanted to say, maybe the ice grips for runners would be good for you? I read a review for some that you can screw in the bottom of your shoes. I was just thinking, if people can sprint in them on ice then maybe you could trust them more than the regular ones?

Anyway, just a thought. Can't believe how much more cash you're going to have every month. Amazing progress.

Jo4

OMG - as usual you have everything planned and are doing soooo well! :j I hope you are enjoying the retail therapy - I always think it feels much better when you have the cash in your hand & when you manage to bring the purchase in within or under budget - FANTASTIC! :money:

I hope the snow clears where you are soon!

fern44

so happy for you you deserve it after all the hard work:j

POSITIVE_AND_FOCUSED

Thank you for all your encouraging comments. I worked Monday and it actually was not too bad. Some roads were more lethal than others but in the main the snow was melting and the snow became slush and that was much better than ice. It's since then that its been really hard to get about because the slush has turned to ice and so I haven't done what I had originally planned. I couldn't face it. I have a small number of books to collect today as opposed to a lot more!, I will be lucky if I pick up £200 in orders and my target was £500. That said Im hoping to catch up with what I can do tomorrow but then theres talk today of more snow possibly.
So, on a more positive note Ive been focusing on what I can do to enhance my business. Getting my online shop in the process of being sorted, speaking to a prospect interested in joining and getting my initial party bookings sorted so I can get proactive there.
Yesterday was a joyful day although I gavemyself a headache number crunching and wanting to be happy with my plan. Ive decided to NOT clear three debts in their entirety but reduce debt so I am benefiting from the lowest interest rates possible. For eg some of my Sainsburys debt was being charged at 25% interest and the rest at 5% so Ive got the balance down so I am now only paying 5% on whats left. Ive cleared 1 debt completely and reduced two others, in one case again to benefit from a 5.94% interest rate as opposed to 23%. Ive worked out that by doing this Ive saved myself a further 22 months of repaying debt. Quite scary to think how the interest can effect getting a debt repaid by such an amount of time! Anyway, it was a wonderful, exhilarating experience to be able to do it and I do have room to pay off more debt but Ive decided to hold back until after the weather improves to then assess where Im at. If I can still achieve the sales and the bonus I'm hoping to weather permitting I will be in a position to pay off another £5/700 somewhere without any worry at all. Where theres a will theres a way, on that note must get on and organised. It's taking me a lot longer to do anything out there and I want to finish by the time I collect dd later... We are making progress thats the thing and thats what helps to give a spring in my step!!

Keeping_Motivated

Ah I'm glad you worked out the interest rates that work best for you, I hate to think the banks are getting more out of you than necessary.

I'm also glad you have a bit of breathing space while this weather is bad and you are not completely stressed by it like you were last year.

Keeping_Motivated

Now you've paid some debt off with the lump sum and also have been paying down for quite some time now are you open to any 0% offers to help clear things sooner too?

fern44

Hi
none of my business but why do you list your mortgage in with whole debt
mortgage is not bad debt its a good one securing your future
it looks like your well on your way to paying off the other debts you should be really proud of yourself good luck