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Thats another fine mess I got myself into

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  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Just catching up.....sorry that yesterday was so pants. ((hugs))

    BUT you got through it - you will get through other days that are just as frustrating, and each time you do so, you are making progress.

    One day you will look back and think "how on earth did I do it", but the fact will be that you DID.

    Hope that today brings you calmness and relaxation!
    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)
  • Helen105
    Helen105 Posts: 363 Forumite
    Part of the Furniture Combo Breaker
    At least now you have two days when no cheques or DDs will bounce.

    We used to buy rhubarb from the farm in the Rhubarb Triangle near here, you know the early stuff is actually grown in sheds by candlelight? It's a while back but I was thinking that the season ended at the end of July, is that why it was a special order, the farmer was having to coax the rhubarb into one last effort?
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Blimey, Reddie - sorry you are having to juggle so hard. You should run away and join the financial circus! ;)

    Here's to a better Saturday than Friday. And nip over to my thread it you want a laugh...
    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
    Helen105 wrote: »
    At least now you have two days when no cheques or DDs will bounce.

    We used to buy rhubarb from the farm in the Rhubarb Triangle near here, you know the early stuff is actually grown in sheds by candlelight? It's a while back but I was thinking that the season ended at the end of July, is that why it was a special order, the farmer was having to coax the rhubarb into one last effort?

    We buy all our fruit from specialist fruit farms who produce all year round, probably like you say, by candlelight etc

    DH found one that was £2 a bucket (1kg) cheaper than current supplier and he has no idea how it got to 50 buckets, he thought he ordered 5!!!!!!!!!!! But it doesn't really matter (apart from finding the pennies to pay an unexpected big bill) because he will use it all and we wont have to buy more for 5/6 weeks.

    And on the good news front we have cleared another o/s bill by paying the £800 yesterday (part was o/s for quite a while) So another debtor gonners!

    Surprisingly we are on target with debt bust but am still mindful of necessity not to jump in with paying debts to quickly. Once I have the money to cover the 'extra' bill of rhubarb, I will take stock and relook at where we are.

    Again, our year end is 30/09 and so thats my target date to reduce business debt by as much as possible.

    And also I really want a whole month of making all min payments on personal debt so thats the focus for the next 6 weeks! Thus the ebaying etc
    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!
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So you know every month you are going to have a scary week. What are you going to do planning wise to get you over the eeek period in September?
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Lucielle

    My plan is to pay cc due in this week in the month earlier when we have few demands, e.g. week ending 13th is not too bad. I am going to try and move car payment to another date in the month too. That should reduce personal debt for that week.

    Business wise - DH is letting me know when he needs apples - well in advance so that means, hopefully, no shocks there either.

    So really its a matter of managing cash flow better.

    Thats the plan anyway

    But Lord only knows...........

    Maybe when I have another look at the figures I will re-evaluate again!
    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
    Ladies

    Life is on the up - just made £49 profit from sale of one DVD on Amazon!!!!! Happy Days!
    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!
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hi RMC

    Just caught up on your thread - you are doing AMAZING at reducing the business debt though I do understand the difficulty of waiting of monies coming in etc.

    Well done on the amazon sale that is fab! Hope you sell lots more things - clearing space and making cash.

    Take Care and hope your toes feel better soon.
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Thanks so much for stopping by DDFW!

    You are doing fantastically well on Ebay, do you agree it is very slow at the moment!

    DH has just complained that his long established DVD collection is all but gone - drives me crazy!!
    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!
  • elfen
    elfen Posts: 10,213 Forumite
    RMC - what DVD was it?
    ** Total debt: £6950.82 ± May NSDs 1/10 **
    ** Fat Bum Shrinking: -7/56lbs **
    **SPC 2012 #1498 -£152 and 1499 ***
    I do it all because I'm scared.
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