Thats another fine mess I got myself into

Lemon_Tree

REDMADCURLS wrote: »

I nearly contemplated taking the day off because I couldn't afford to go to work!

I HATE THE END OF THE MONTH!

i remember this problem, i used to have to take the works receipts to the bank at least 3 days per week so i could claim the milage which would then put enough petrol into my car to get me to work the following week (couldn't go anywhere else though).
although i probably doesn't feel like it, it will ease because you've made significant changes and they will affect your life and finances eventually!

taxi73

I agree with LT here...it will get better honest

REDMADCURLS

Well now, I borrowed £460 from business because chq it is to cover was only sent yesterday
Then I paid my mum back £400 I owed her from last thurs (to cover the businss bank who went ahead and bounced chq's)
Then I put £50 in A&L, plus I 'found' £20 in my own bank (God Bless Amazon) so that's enough to cover dd's
I bought sausages (on offer) and bacon (on offer) and some bread and milk = £6.10
And LMAO didn't have to go to museum in the end!

Tomorrow I get paid and will pay £460 back to business!
And then I will worry about tomorrows bills!

I think I should apply for Chancellor's job!

REDMADCURLS

And yes Taxi and LT you are right, it will get better, it is getting better!!

I owe less than I did in Feb, infact I owe (personal and business) 10% less than I did at end of Feb - which I am delighted about!

Herewego

:T:T:T:T:T
Fantastic news on the balances coming dowm.

Well done on the "Great month end bank account shuffle" well known to many of us on here :dance:
Looking forward to payday tomorrow too and then we can start the countdown again

REDMADCURLS

I have about 6 spreadsheets on the go here trying to work out July - its really hard when you have no idea what is going to come in from the business, all I can do is work on projections - so far £1500 short but there is always ebay LMAO!

It has taught me that there is NO room for manover with finances, that wedding last month wrecked us. Which in turn makes me worry about 'unforeseens' which we have no savings for.

On a brighter note, I have just remembered the VAT refund will be in mid July, so thats about £700 I think. Only another £800 to find. If however I manage all of that, business debt will be down to £8,700 which would be terrific. (Year End is 30/09 and I would like to be at £5k by then)

Although as we all know the best laid budget plan etc etc etc....

taxi73

Well done on the juggling...
And m sure that you'll manage to find the extras needed for July.

Herewego

At least you have plans now thats the hardest bit, hopefully everything should start to fall into place soon. I keep thinking how bad would it be if i hadnt been debt busting for the last 6 months

REDMADCURLS

LOL Taxi - don't we always!

REDMADCURLS

LOL the plans just make the reality more frustrating!

And yes imagine how worse off we would be if we hadn't have started when we did! There should be a national LBM day.

Totalled up personal debt and it is down by a massive £439.66 so must update sig LOL (God I HATE paying interest!)