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Just checked & it does indeedI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Just checked as well and I'm really happy my post helped youLBM: August 2006 £12,568.49 - DFD 22nd March 2012
"The road to DF is long and bumpy" GreenSaints0 -
Yes, thank you January. So, also getting my facebook page up and running in that I now have a link to my Kl online shop there too and I plan to inform customers via a Xmas newsletter during November and invite them to join me as a friend. Another way to promote my business too if there is anyone, either themselves or anyone they know wanting to earn extra money with Kl. Yes, definately want to become more expert in social media to build my business.
Other news. Am on target to reduce my od by £500 by the end of this month. Sales are very good so plan to keep on target to secure a higher bonus again this month. Once od reduction done, my next plan is to buy my dd's Xmas and birthday present combined which is a dressing table. It's £150, the one I intend to buy, also for her 10th birthday I would like to take her to a musical so thats on the cards. I have projected what I need to achieve between now and the New Year including where I need to be financially to be able to have the school holidays off at Xmas and be up to date with the bills in January and cover my tax bill due at the end of January. Feel I have it all under control with money available on top to either reduce debt further or act as a buffer just in case of say snow occuring. I've made a plan, it's now just got to be executed! My car goes in for its repair this week following the minor accident I was in a couple of weeks ago( a van reversed into me and thankfully the driver has accepted liability) and I intend to work from home as much as possible on the two days its in the garage so my plan is to do ebay, put together a newsletter to customers and work on my website and facebook . Keep as proactive as possible to actively generate further income.
Have also made an appt to see my doctor accept its to see a doc Ive never seen before, but what i want to do is highlight what is becoming not just discomfort, but pain, in my good leg. I've not fallen over which is positive but I am tripping up frequently as has always been the case really, it's just a bit more frequently and I think some of it has to be because its getting colder but anyway I need to have it documented withmy doc and perhaps there are things he can suggest or just for him to be aware of it. Anyway, its one positive of living in a small house because invariably a piece of furniture stops me falling when I lose my balance!!! The only thing is I have a variety of bruises where I've knocked into pointed edges of cupboards/drawers etc and they vary in colour from black to purple to blue depending how old they are and how detailed my dd is when she wants to check how they are for me bless her!!!!! It's just the way it is and as long as I can keep going I try not to let it worry me.
Otherwise, just keeping as positive and focused as poss, remain determined in achieving my goals for the remainder of the year and ensure debts continue to reduce and all stays well.My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T0 -
Well done on your sales so far and all the prep for increasing your sales0
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Well done PaF.
I hope your new website gets you lots of new business. Which musical are you planning on taking your dd to? I think it's sensible to keep some money as an emergency fund in case you get snowy weather again. Keep warm and safe.
VCCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420 -
Yes, the musical I'm hoping to get tickets to see is Starlight Express. All gong well, I should be able to book them next week once my mortgage is paid, my od facility reduced by £500 and when my bonus for these last 4 weeks of sales is credited to my account.
So, on that note sales going well. Collected £720 just this Monday alone. Still trying to get my head round facebook but my friend is assisting me there. I have just 7 friends on there which we laugh about but next week is half term so will be putting together my next newsletter for customers explaining how I'm on face book so hopefully that wil generate more friends and "followers" from my customer base. Dd's christmas stocking from Father Christmas is virtually done. If money goes as well as I hope then I will just get a couple more things but I'vemanaged to keep my spending to a minimum and whlst individual items haven't cost much they are things I know she will love. So for eg I've got her a couple of painting by number pictures to paint and they come in at just £2.49 each and she loves them. I think the shopping assistants think I'm a bit crazy because I just get so excited about it all and the thought of dd's little face lightening up when she sees what Father Xmas has bought just makes me so happy!! The next part of the plan is to buy her dressing table. My friend has offered to store it and her husband will bring it up on Christmas eve after dd is asleep and we will pop it in her room with a bow around it.
Have finally been to see the doc. He thinks the pain in my leg is due to my limping compensating for my funny leg. He wants to keep a check on it and he's refering me to Social care to see if there are any more adaptations that would help me get around indoors and out. I have said I want to keep working which he supports and encourages so thats ok. My fear is I will be told to stop what I am doing and I don't want to as I love it and want to continue for as long as I can.
On the family front all is quiet and I feel much calmer and happier in myself. More confident even. My friends are so supportive and kind and I am so grateful to them for being there. So, onward and upward planning my work and working my plan!!My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T0 -
So glad that all is going so well.
Excellent news on reduction in OD.
Happy daysI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
You sound very calm & collected. Something my Mum would always say I should aim for as I'm not! But really you seem very well organized and professional. Well done on the bonus and the zooming sales.CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420
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all sounds brilliant, I love the christmas stockings, to me they hold the magic to Christmas, xxx rip dad... we had our ups and downs but we’re always be family xx0
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It's all sounding very good, PaF: keep those parrots covered up!Please call me 'Pickle'
No More Buying Books: ???
No More Buying DVDs: ???
NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
Proud to be dealing with her debts 1198~
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