Thats another fine mess I got myself into

Woowoo

Have an amazing time Red, just think of the rain as atmospheric!

REDMADCURLS

Two random things I have read today that I need to think about

a) I am not poor - I am broke

b) I need to control my money and not have it control me!

c) What I want and what I need are very very different.

And yes I know, thats 3 things!

REDMADCURLS

Dh refused to go - it was miserable outside

And then the heavens completely opened - he made a wise choice!

taxi73

Does that mean you haven't gone either?

hypno06

That's a shame

Herewego

It's such a shame the weather has ruined so many things this year, they keep telling us it will get hotter with global warming is that after it gets wetter.

REDMADCURLS

Yes Taxi I didn't go and if you were here, you wouldn't have gone either. It was pouring down and then thundered, so sitting outside would have been horrendous. I am disappointed but not half as peed off as I would have been sitting outside!

Also been thinking about the fact that even though I have cut out almost all un-necessary spend (don't know if one can ever totally lose all of it) I still don't have enough money to cover all monthly bills. Thus ebay, music magpie etc is being used to cover minimums.

I have mentioned before that I have never been able to budget for food/fuel because I have just had to buy food when I have money - although I try to buy sensibly, buying in bulk would be more cost effective - but if I don't have the pennies etc etc

Sorry for random thoughts - I am trying to work out my 'toxins' and, surprise, surprise, they all seem to focus around money or the lack of it!

InaPickle

REDMADCURLS wrote: »

Sorry for random thoughts - I am trying to work out my 'toxins' and, surprise, surprise, they all seem to focus around money or the lack of it!

Fair enough, Red: do you have any idea how long it will be before minimums are covered by your wages?

Also, I'm glad you didn't get caught in torrential rain.

BEAT_THE_DEBT

Hi Red they can take your money but they cant take your sence of humor eh? What is your shortfall each month?x

REDMADCURLS

In short Pickle - never! My wages cover all the household bills - mortgage etc but I need money from DH to cover minimums which come to £750 per month (Ugh)

This is why I had to sort out business to ensure there was money available to 'me' for cc's etc.

Now the good news is that now the business is able to afford that £750 but ideally I would like to get to a place where I get that money at the start of each month and then there is no robbing Peter scenario and hopefully that will happen come January.

In August and September I did not get any expenses (primarily because I was off at cut-off date) and so I now know what my basic wage is. My plan is to withdraw any additional salary provided by expenses (could be between £200-£400 per month) and thats what we live off - food/fuel etc.

We have done very well this year income wise but of course we saw nothing because of the mess we started the year in and the subsequent debt payments so next year is about driving costs down, which we have already started but of course costs are always dearer when you have no money thus our need to provide a cushion for the business until January and then hopefully start overpayments.

Thats the theory..................

Still struggling with the 'toxins' thing!