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Take it easy xMy 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 -
Sorry to hear you're still feeling a bit rough after your fall..hope you recover soon xxx
sounds like you've had a fab time with DD0 -
POSITIVE_AND_FOCUSED wrote: »Thanks Beanie lou. have just noticed your signature after all this time! Well done n being debt free and I will def remember the Japanese proverb you have quoted!!!
Proverb is very apt for those of us who fall regularily!
Not quite debt free~still OD to go.I 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 -
Well, my target sales for last week was £1K, I sold £981, not bad with still recovering from my fall. My knees are still v sore, put it this way Im v v grateful for my stairlift!I have been more tired than usual, have thankfully finally managed to secure an appt with my doc for next fri after trying to do so since the 6th Jan! Kleeneze had their New Year conference last week and so many exciting things are happening at the moment, I am really considering starting up building my team again as I just think the opportunity is not to be missed. The reason I focused more on my retail was simply I got so tired trying to do it all, retail and team build and look after dd etc. It got too much and as my retail pays the bills for now, I decided retail took priority, thats aside from the fact that I love being out and about and seeing my customers, and the challenge of achieving great sales. However, I am thinking outside the box, and my newsletters to my customers have been v successful in the past and Kl have produced some great literature which I can attach to them. So with 1300 plus customers that will be a good start, then Im thinking of going through my old leads, even if I make 5 tel calls a week thats better than none, then I did v well with my parties. I now have friends who would let me bring dd with me as they have kids themselves, and they all know each other. If I set fri as party plan eve that could work well with no school on sat. So, Im considering that. Oh, if only there were 2 of me!!!!The frustration is what I want to do and what I can do are two different things! The positive out of that is at least I can do some of what I want to do, the rest will just have to take longer to do!!!!
Anyway, other news briefly. We have no spare money, everything is tied up with bills and projected petrol requirements for next week!! However, at least there is enough money to cover those things. Thank you, thank you!!! However, I just know we have a guardian angel because this week some wonderful moments occured. The lady from the charity came to see me and bought more tins of food with her, and biscuits which my dd adores! I wasn't expecting anything and I am so grateful because I just make meals incorporating the tins weve been given. Thank you, thank you!Then my dear friend popped round and she has over the last couple of years given clothes too small for her dd for my dd to wear. The clothes that no longer fit my dd I offered back to her in case she wanted to sell them on ebay but she is happy for me to sell them on ebay and keep the profit. Just how wonderful and kind is that? Then another friend is helping me set up a facebook page which I will link to my Kleeneze website and the Kleeneze official facebook page. What Im hoping is that I may get enquiries through that avenue from others looking to Kl as an earning opportunity and also for my customers to contact me with orders etc, particularly useful in snowy periods!! So, lots to be positive about. We are hanging in there and I thank on high for that. Off to get a cup of tea and start selling on ebay now! I have sold 8 items this weekend. Thank you, thank you!The key for me is to be as proactive as poss and know that all is well and that my best is good enough! I refuse to be negative. This afternoon, dd and I are cutting out pics from mags and we each have a board with the heading "Our dreams" and we are going to stick those pics up to remind ourselves of what we intend to achieve and make happen and also what we love about our lives now. Dd and I are a team at the end of the day and I am determined to ensure our lives are lived and enjoyed to the full with or without money!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 -
All sounding good to me ~ very positive & focusedI 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 -
Thanks for updating PAF. I'm glad you're feeling positive and continuing to make what you want happen.
Well done on the ebaying. That's something I've never got my head around.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 -
Sound great, PaF! :clap:
Just thinking outside your box a bit...perhaps team-building would be something good for you to do in the winter months when the weather is bad and getting round is more difficult? A lot of it must be indoors, and you will still see a benefit, no?
Keep going, cos you're doing great!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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very positive and focused as ever..you're doing fantastic0
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Well, I am thrilled with progress so far this year. What I haven't said before now is that this month I was £75 behind on my mortgage from dec but as of this week that is not the case. Then I had to delay payt to Egg and my council tax by a couple of days , however they are all upstraight too. In fact egg refunded me my late charge because they took the direct debit again after I had paid them online so they had my money twice despite assuring me that wouldn't happen! Alls well that ends well! Since 5th Jan, just over 2 weeks Ive sold £2500. Its where I need to be. I have enough money to cver all my bills up to the end of the month, and with my ongoing sales there will be no concerns beyond that. Ebay is still doing well, Ive been able to transfer £25 from my sales there this month and there are 6 more things def selling this weekend with bids on them. Its all making a dif and v self empowering. To feel more in control of the debt and knowing its going down. Of course, the other reason why things are going well is simply Im watching every penny. My outgoings Ive managed to get down, and I just do not spend as much as I ever did. I am confident I will move from covering my bills to covering them on time, and then earning more than I need for the bills to get ahead of myself. Yes, as they say plan your work and work your plan, apart from my fall everything so far is going to plan.
Re my bus my ideal is to sell £1K a week and recruit 1 person every month. I take on board your suggestion Pickle but my retail needs to cover the bills and just maybe I could get my income up so that it is higher in the summer months to compensate for the potential snow in the winter months and then focus more on team building, that is a possibility. That said, there is just so much to be shouting from the rooftops right now about Kl that I want to get stuck in now, yesterday even. My team, The Shining Stars is simply going to get bigger if I have my way! Yes, all is well, and I will not let anything be detrimental to what I intend to achieve. Thank you, thank you on high!!! This is the year things will get better than ever!
So, on that note, am going to dish up supper which tonight is mashed pots and sausage casserole which Ive done in the slow cooker. Tomorrow is having a great time with dd, and doing ebay and getting ready for next week. I cant wait to get those orders in on Monday!!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 -
What an absolutely positive and cheery post..you deserve all the rewards for your hard work0
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