oi what you doing here

elantan

yes deffinately careful miz ...dont get me wrong i didnt get into debt again till i started the business then i needed a mattress (i did need one but if i wasnt in debt i think i wouldve saved for one if you know what i mean) then we saw a suite in a closing down sale borrowed money for that then seeing as i had the visa anyway for the business well i might as well just buy the books etc that i wanted ...you know how the story goes

this time i want to do it and maybe even by the time i am done have a small amount of savings ...i know i will need a new car soonish and really dont want to take that on till i have got rid of alot of the current debt...so it is very much like you steady and non rushed much as i love this place and will always class this as my mse home (unless the sub sub board us then it will just need to change lol) i want to be able to start thinking of the mortgage so that it eases the burden on hubby with his back...

right am thinking about this challenge visual malarky i really like hypnos squares and i really like lemon trees shopping saver idea and i did love pad so am gonna do the ones that are easy enough (squares, shopping saver) try and do the pad as much as i can remember and through discussion with jammie pay off a debt ...gonna make it a debt that needs a bit of effort but wont stress me out too much about and put me going in reverse... so overdraft number one it is ...i have an over draft of £1000 sitting in one back account i need to pay it and close the account as the r.a.c took £130 something or other out it the other day for my r.a.c for the year the swines...now i dont have any goals planted in my current working money to pay this off but am going to add that this challaneve is for beyond that ...this challenge is to get rid of it completely and i want to do it in say 8 months ...if i pay £20 off of it in my budget that leaves me £840 to find in 8 months so just over £100 a month ...painful and inventive but not mission impossible ...so by mid april 2010 i will be one overdraft down ...hmmm pencil paper time

ZTD

elantan wrote: »

i wonder if it's bad luck or anything to kill a pigeon ...back luck that is for a human i think it is a given it's bad luck for the pigeon

Nope...not bad luck at all...provided it did no damage.

I once ran over a pheasant and its head cracked my number-plate...

But not as bad as this (not for the totally squeamish)

JAMIEDODGER

Good luck with paying the overdraft off:j Have you a plan on how to manage it? Will you be trying to earn extra money to clear it?

elantan

that is some serious damage z ..i would never have guessed a pheasants head could be that hard...was what left edible at all?

how you doing anyhoo long time no see

elantan

oh and incidently i started a thread on os and i cant find it ...i think we have a thread stealer in mse so grab a hold of your threads peeps

boredofbeingathome

That is a brill start EL a great amount off the debt and i reckon you will soon see the overdraft off. Why not stick all your PAD ones in there? will be gone in no time that way.

elantan

JAMIEDODGER wrote: »

Good luck with paying the overdraft off:j Have you a plan on how to manage it? Will you be trying to earn extra money to clear it?

jammie yes that i think will be the way forward ...and if i am struggling i will put the pad in it as well (cheers bob) ...so it will be overtime (ughh) business (:rotfl::rotfl::rotfl::rotfl:) anything i dont spend on holiday scratch cards penny counting ...and quite possibly starvation (not the real kind )

hypno06

Starvation is a good tactic and one I think I should adopt myself :rotfl:

elantan

i know i could do with some ...have enough packing (such a polite person lol) to feed a family of 8 for a few weeks atleast ...and i could easily keep the lamps burning for a few months

mizmir

Think I have missed something - what is pad??!