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Thats another fine mess I got myself into

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  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    You will be delighted to know I also had a bath so at least I smell ok.

    Glad to hear it. This thread was starting to get a bit of a funky smell! ;) (And a fresh bed and and a bath and new PJs...good times!)
    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~

  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    taxi73 wrote: »
    Nothing new here..lol...except going to venture out tomorrow

    Way hay! Taxi's being released from captivity! :D

    Hope you have a nice outing. x
    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~

  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    InaPickle wrote: »
    Glad to hear it. This thread was starting to get a bit of a funky smell! ;) (And a fresh bed and and a bath and new PJs...good times!)


    Is that not the very best feeling - clean you getting into clean bed - yum yum yummy dum :D
    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
    Is that not the very best feeling - clean you getting into clean bed - yum yum yummy dum :D

    Pretty much! It's the 'aaaah' feeling you get when you first get in and the quilt falls on top of you and you get the fresh feeling and the new scent. :D
    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~

  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Oh what a lovely sleep!

    I have realised that I spend most of my time at this laptop trying to juggle money!

    I loathe this week in the month, we have so much going out and so little coming in. Many of our customers do their chq run on 20th and so next week is better. So I have been working out who I can pay earlier in the month to allow minimum outlay during this week.

    Not one month has passed where I am not behind, which of course, has a negative impact on the beginning of each new month - gggggggggggrrrrrrrrr.

    I know you all say it does get easier but I wish easier would come sooner!

    Oh and we have no gas (still) for cooker top. Oven is electric. But we haven't starved!
    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!
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Sometimes it feels like the end will never be in sight, I can't wait to get under the £10k mark and then I realise I will still owe TEN GRAND!
    LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)

    Barclays: £2,928.34 Lloyds: £2,499.60
    MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00

    Surveys: £6.60/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    I just don't know how to break the cycle of not covering what we owe each month.

    I have cut everything back to the bone (not reached my £100 shopping budget challenge yet) The business is doing well, sales are up 80% on last year but then there has been an increase in expenses (as you would expect).

    DH said last night 'I feel like I am living on the dole' - which is true. We have so little money, thus why no gas - God Almighty it is £25 for a cyclinder and we can't get one.

    I need to manage better - I need to get bills paid earlier so that we are not like this - I need, yet again, to relook at funds!
    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
    Should also say that we have £3000 outstanding from shops, which of course will come in end of month, and keep us 'safe' for another while.

    It is just this week (20th of each month) that it goes pear shaped! Again I think I am paying too much too soon to business debt - need to think outside the box.

    You know how it is, money comes in and you are paying all of it out ASAP because all you want is figures to come down
    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!
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    What you need is for someone to give you a months free money as a little bonus and then you wouldn't have to play catch up. If only!

    I totally see you DH's point that it feels like your on the dole despite working your backsides off, it's not fair :(
    LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)

    Barclays: £2,928.34 Lloyds: £2,499.60
    MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00

    Surveys: £6.60/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Oh a months free money, how good would that be..............instead always paying catch up!

    Plus this month no travel expenses, because I was off most of July and so didn't clock up any extra miles - thats about £200 for me!
    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!
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