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Thats another fine mess I got myself into
Comments
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What a strange birthday pressie but a great idea....
what about gettig him all the retro sweeties from when he was young and making an hamper of them..lol0 -
Thanks Taxi and yes everything just the same....no money......panic......money in........money out...........no money!!
Glad to see you are feeling a bit better!
And thanks for taking the time to post............much appreciated!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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What a strange birthday pressie but a great idea....
what about gettig him all the retro sweeties from when he was young and making an hamper of them..lol
That's exactly what I did for DH's 40th - bought him £40 of 'his' sweets.
However, brother is a healthly bod and doesn't eat 'rubbish'. He is very sporty and has all that stuff.
Maybe the most up to date IPOD from us all as he loves his music too. He and my sister bought me a Pandora Bracelet for my 40th and a charm with a diamond (albeit a small one) and I would love to get him something he can keep but not sure he would want a bracelet :rotfl:
We are having a surprise party for him at parents house so that won't cost too much..............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 love the Pandora bracelets!
Is he watching the pennies too, maybe a window is what he really wants if he is, even if it's not very exciting lol!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/£40.000 -
He no longer has any debt............he cleared it a few years ago!
But he has no spare cash as his job isn't brilliantly paid so I guess it would help if we bought him windows..........however I have a feeling he may move soon as he seems loved up and his g/f has a house too.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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That would be frustrating, maybe the iPod would be a safer bet!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/£40.000 -
Well its not his b/day to November so I will think on!
Had a tidy up, put wash on, cleaned bathroom and now DH vacuuming house so I will wash floors and we are done! Mrs R theory works!! Just need to keep it up now.
Think I will light the fire (yes it is that cold here and lounge in front of tv!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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We have not got any coal supplies in yet for the fire. Thats on the list when we get home.
LTotal 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 #1240 -
Morning Red
Did you have a nice afternoon in front of the fire yesterday?
It's raining here today and my dog is refusing to go out for a wee, might have to bribe him with some of my chocolate spread on toast!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/£40.000 -
Well done Reddie on the saving bag and I thoroughly advocate buying Christmas presents in advance as you save cos you get the chance to look at the best deals, don't have the stress or the panic, and end up getting better things than you otherwise might.
With regard to the present made out of lots of 'bits', you are right: these often cost more than buying one bigger item outright. Perhaps you could consider changing the style of present?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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