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Thats another fine mess I got myself into

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  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Thanks chicks

    I dont think I am as stressed as last week but still its there.

    Will ring boss today to discuss taking rest of week, but I am sure it wont be a problem

    I have just woken up at this late hour!

    Good News - another chq so will make another payment re business today - so I am on target for the month, which makes me happy!
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    You must've been really tired to sleep in until that time...
    glad that you've got a cheque in.
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Already banked and another bill paid :)
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    sounds good to me.
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    I am shattered................have felt so tired all day but the good news is I am not back to work until next Monday. I truly have the worlds greatest boss!

    So I will get to play with salary all day Friday which is great.

    Last month I truly f'd up - I paid wrong credit cards and so some got 2 payments and some got none - divvy or what! So I will rectify that over this week in my head anyway and then will pay as many as I can on Friday. I do love payday because it makes me feel a tiny step closer to salvation.

    This month I will also get below £39k, so that means that I will have cleared £3k in 5 months, which isnt great but I will also have cleared £4k of business debt in 3 months - and I would like to clear another £3k from business this month so that means I will owe £6.5k of business debt at end of August, which is great plus I have added nothing to business debt. Our year end is 30/9/10 and that was my target month to clear as much as possible. Currently my target is to owe £3500 of business debt in Sept. This will be cleared by me continuing (as I am now) to pay £140 weekly of it - and from Sept, it will be cleared in 20 weeks.

    Then, hopefully, any business surplus will go, finally, to paying extra's on cc's. So come Sept I will do snowball again and see where I am and my estimated DFD, I had originally said by March 2013 and that was with paying an extra £500 a month, I would like to pay £1000 but that will be hard in Dec, Jan and Feb as business is slow.

    I do love planning - LOL this whole post started 20 mins ago with me saying it was nearly payday and then off I went to spreadsheets to have a looksie LOL
    Will update sig at end of week just in case I get some more paid
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Ms Pickle you were here and thanks for the thanks, write something next time as I find your little midnight posts make me smile out loud each morning - I think we have a similar sense of humour! (My brother and I think we are the funniest people we know!!!!!)

    Went to bed early (ish) watched 3 episodes of Mad Men (love it) and couldn't get to sleep, woke up at 7am - so screw that!

    Banking down - nothing in nothing out - happy days!

    10p on scratchies!

    Wait for postman, maybe another cheque and if so another bill paid

    3 days to pay day - God its been a long month!
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    You are doing great on the debt front am really pleased for you.

    So glad that you managed to take the rest of the week off ..can you factor some relaxation time into that?
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    LOL relaxing by inputting more things on new accounts system!

    No chq's in but then again nothing out either.

    Will be able to update sig when final payment made on 30/07 :)
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    *Tiptoes back in*

    Oh, so you didn't find the whoopee cushion I left on your seat, then? And where did the bucket of water I left over the door to your thread go? ;)

    *Sneaks back out, giggling*
    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!
    P
    roud to be dealing with her debts 1198~

  • taxi73
    taxi73 Posts: 20,815 Forumite
    Nothing in or out equals balance so is all good...lol

    Pickle...what are you like..lol
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