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Thats another fine mess I got myself into
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No that will happen and sooner than we think (well thats part of my dream)
It does however seem that once you clear debt you become a MFW and then I don't know what!
Today I was thinking that if we are debt free in 2/3 years, we could be mortgage free in another 10. I would be 55 and have no mortgage and considering we only got this mortgage when I was 38, that would be so cool but hey, back to baby steps for now.
I was also thinking about my credit rating which is by now pants, and then I remembered no credit ever again, dont have the pennies dont buy the goods!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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The way your going that debt will soon be history, well done on MM and ebay didnt take long to makesome extra cash.
You are sounding much more positive than yesterday hopefully we have our RED back fighting fit, the occaional wobble does us good sometimes as we can reflect on how far we have come or even where we could have been if we hadn't had our LBM. I often forget how bad it was at the start with the sleepless nights and fear of the post arriving.MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Now isn't that funny - you posted just as I was looking at snowball and specifically Ricardo! According to it I will be down to owing him £2998 in Feb 2011, currently £3400.
Now I am still convincing myself that I have to build up a 'surplus' (also known as reducing o/d) in business account between Sept and Jan but my mini goal is to get Ricardo down to £2999 by 31.12.10 because I will NOT owe him £3000 in any part of 2011.
So while I have to 'wait' to start throwing extra at personal debt, this will be a good mini goal to keep me going
I love the post coming but still just when phone rings!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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Ouch ouch ouch! But they will grow back - when I did the marathon I lost several toe nails - had manky feet for a while, and painted on pretend toe nails (!) but within a few months they were back to normal......until the next time!
Good news on the miracle £20 though - and good for you for enjoying chips......yum yum yum!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
REDMADCURLS wrote: »Can I really get an acrylic nail over top of nothing as it were - that would be good because its going to be ugly
IS there a chance it wont grow back?
Yes, a sculpted acrylic can be put over it, but it will take a bit of time to see whether or not it will grow back or not. If the trauma is too great, it won't, but it might just be one big fat knock and it might. Be nice to your feet in the meantime and don't let it get knocked again in order to stand the best chance of it regrowing.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!
Proud to be dealing with her debts 1198~
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REDMADCURLS wrote: »Cant leave silver bags out as DH loots them frequently. Right now can't afford to save £1 but someday I will!
I know that feeling: I see all the people saving £1 or £2 coins and I think 'That's not spare change - that's actually quite a lot of cash!' :rotfl: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!
Proud to be dealing with her debts 1198~
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Yes, a sculpted acrylic can be put over it, but it will take a bit of time to see whether or not it will grow back or not. If the trauma is too great, it won't, but it might just be one big fat knock and it might. Be nice to your feet in the meantime and don't let it get knocked again in order to stand the best chance of it regrowing.
I still feel physically sick! It is starting to throb again badly but that is to be expected.
I, as per direction from NHS Direct, cleaned both and stuck a plaster on. They said that the nail thats hanging by a thread will fall off but to keep plaster on so I dont rip it off
Work is not looking good for tomorrow which is pants but still cant put any weight on my toes, three of which are badly bruised
YUCK!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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I know that feeling: I see all the people saving £1 or £2 coins and I think 'That's not spare change - that's actually quite a lot of cash!' :rotfl:
My SIL does not pay with anything with coins, just paper money! She throws all coins in a tin and pays her caravan fees with the coins each year - about £1500 :eek: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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REDMADCURLS wrote: »My SIL does not pay with anything with coins, just paper money! She throws all coins in a tin and pays her caravan fees with the coins each year - about £1500 :eek:
Nice if you can support that lifestyle, I guess. Here's to us being able to do that sometime soon! :beer:
And Reddie....what the hell did you do with that hoover to get in such a state? Did you drop the heavy bit on your foot, you poor dear?! xPlease 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!
Proud to be dealing with her debts 1198~
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I was wearing flip flops and I think it fell on my foot, I really have no idea how I did it, but am I glad my toenails were short or else I would have ripped my leg off!
I am normally not at all squemish but this has taken me to another dimension!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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