dottyanne's debt diary

Pobby

Like it,like it!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

dottyanne

listed more shop stuff on e-bay, been really busy in shop OH doing overtime at shop tomorrow whilst im doing my cleaning job as we've so much work in :T

Need to have a re-check of my finances later/tomorrow.....really trying to stay focused which means regularly keeping check or what/when/where needs paying - anyone any ideas as to how to keep things really organised - dont like the idea of a big calendar etc..?? how do you lot do it??

beverleyhills

:grouphug:

dottyanne

Thanks bh, needed that lol...........am such an !!!!!! - should be happy being me but in such a crappy place at the moment im just not happy at all ;-(

Pobby

Hi again young Dotty.Just had another butchers @ your SOA.What is a ``virtual lease``,never heard of that.I understand that there is a business rate reduction available to some small business{or at least it`s available in Trowbridge}.Might just be worth looking into.Is the IR payments p.a.y.e due on wages from your other halfs monthly salary?

beverleyhills

Hi dottyanne

Lie back in a nice warm bath. Close your eyes and try to picture yourself walking up to the Troodos Mountains at the end of a warm day. It's still warm but not hot. The air is heavy with the scent of pine and wild herbs. Twigs crackle under your feet, birds fly away as you disturb their peace. Give each bird one of your worries to take away. As you take each step your heart becomes lighter. You come to a clearing in the woods, pause for a while before beginning the descent to where your lovely DH and children are waiting for you.

Enjoy your journey

dottyanne

Pobby wrote:

Hi again young Dotty.Just had another butchers @ your SOA.What is a ``virtual lease``,never heard of that.I understand that there is a business rate reduction available to some small business{or at least it`s available in Trowbridge}.Might just be worth looking into.Is the IR payments p.a.y.e due on wages from your other halfs monthly salary?

hi Pobby

to clarify:-

virtual lease - this is the hire of a credit card terminal .

We DO get the small business business rate reduction (although we didnt for the first 6 months and ended up paying more then than for a full year!)

Yes, the IR payments are due for PAYE and NI payable by me as the business owner as deductions from OH wages.

any ideas??? all will be GREATLY received lol

dottyanne

beverleyhills wrote:

Hi dottyanne

Lie back in a nice warm bath. Close your eyes and try to picture yourself walking up to the Troodos Mountains at the end of a warm day. It's still warm but not hot. The air is heavy with the scent of pine and wild herbs. Twigs crackle under your feet, birds fly away as you disturb their peace. Give each bird one of your worries to take away. As you take each step your heart becomes lighter. You come to a clearing in the woods, pause for a while before beginning the descent to where your lovely DH and children are waiting for you.

Enjoy your journey

LOL - thanks bh

Sounds lovely - but couldnt it be Brad Pitt waiting for me?? (only joking) hubby n kids would be great

dottyanne

Ok time for an update me thinks............

Heres how it looked:-

Monthly Direct Debits (personal)

Abbey Mortgage (6.50%) – 774.30
G E Money Serviving Limited (secured Loan) – 208.92
T V Licence – 11.07
Powergen – £94.00 per month
Sky Digital - £36.00 per month
Direct Line (life) – 20.05
Direct Line (contents) – 36.36
Egg Card – 40.00 (15.9% Apr)
Egg Loan – 361.80 (7.7% Apr) Payable Till Dec 2011
Rbs Personal Loan – 61.39 (paid Off In August This Year)
United Utilities - 49.82

All Up To Date At The Moment!!

Monthly Bills (personal)


Kids School Dinners/snack Money – 111.00
Food (approx) – 240.00
Oh Smoking – 100.00

All Up To Date At The Moment!!

Debts (personal)

Ground Rent – 200.00 Overdue – To Be Paid In Full
Capital One Cc – Me – O/s Approx – 290.00 (17.9%) Up To Date
Barclaycard – Oh – O/s Approx – 850.00 (limit 700.00) PAID £120 TODAY
Capital One Cc – Oh – O/s Approx – 1015.00 PAID £100 TODAY
Robinson Way Debt Collectors (british Gas) – Oh – Approx 608.00 – 20.00 Per Month – up to date now
Scotcall Debt Collections Agency (dss) – Oh – 3630.64 – 10.00 Per Month - Up To Date
Inland Revenue – Tax Credits Overpayment – 646.12 – Overdue Since November 2005 – Not Paid Anything!!
Great Universal – Me – O/s 651.83 – Payments Of £30 Per Month – Up To Date
RBS OVERDRAFT - 4000.00
Dad – 3100.00
Mum – 500.00
Brother – Car Loan – 37.19 Per Month – Up To Date

NOT EVEN TAKEN ANYTHING INTO ACCOUNT FOR SAVING FOR BIRTHDAYS AND CHRISTMAS ETC...............


Business Direct Debits

Shop Rent – 368.33
Motorline Insurance (van) – 52.14
United Utilities – 20.88
National Insurance – 10.50
Cardnet Charge – 25.57
Virtual Lease (every 3 Months) 84.60
Matsu – 30.00
Direct Line (car Insurance) – 50.00

Was Also 240.12 Hp Each Month On Van But Dad Has Paid This Off As Van For Sale – Will Be Paying Him Back Fully When Van Is Sold

All Up Todate At The Moment!!!!

Business Bills


Accountant – June 05 – 94.00 – Overdue
Accountant – Oct 05 – 94.00 – Overdue
Accountant – Jan 06 – 94.00 - Overdue
Business Rates – O/s 358.00 Overdue For Last Year – Have Written To See If They Will Spread Over This Year With New Bill PAID £180 SO FAR - ON PAYMENT PLAN UNTIL CLEAR - RESULT!!

Inland Revenue – 05 Jul 05 – 120.85 Overdue PAID IN FULL TODAY
Inland Revenue – 05 Aug 05 – 96.68 Overdue
Inland Revenue – 05 Sep 05 – 96.68 Overdue
Inland Revenue – 05 Oct 05 – 120.85 Overdue
Inland Revenue – 05 Nov 05 – 96.68 Overdue
Inland Revenue – 05 Jan 06 – 64.21 Overdue
Inland Revenue – 05 Feb 06 – 96.68 – Overdue

Petrol & Diesel – Approx £40 Per Month

I Don’t Think Ive Missed Anything Off If I Have I Will Let You All Know!!

Pobby

In roads again!!!!!!!!!!!!!!!!!!!Nice one.Hope that the shop is still doing good.