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Thats another fine mess I got myself into
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Do any of you folks have a breadmaker - necessity or another useless gadget? We spend a fortune on bread.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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Luckystepho wrote: »Hi RMC, I have just read all of your diary in two sittings, and have been fantisizing about apple and blueberry pies with piping hot custard!! I love your writing- really funny and very readable, and I think we must do a similar kind of job- I'm not a qualified social worker but I do social work.
Hopefully once you have caught up with the business debts, you will be on top of the income- you have cleared a great big chunk off your debts already since the start of the diary! xx
Thankyou Luckystepho. I would send you a pie but they dont travel well! So please do have a cyber one on me!
I know in residential SW the pay rates are very similiar wether qualified or not and those of my colleagues who are not qualified don't have to 'put their name' to legal documentation and are convinced that alone makes the pennies in diff pay rates very worthwhile. I have toyed for a while about returning to residential childcare (not sure where you work) as the money is great and the hours are preferrable (for my life anyway as I have so much to do re business I would like not to work 9-5 and would like the idea of getting my work done in 4 days in a week)
But for now I will stick with working with kids in care rather than joining their homes!
I am also working hard on positive thinking - we are coming up to 'danger week' (it was this time last month I had my champagne and meltdown moment!) Thus I will stay positive.
I am still trying to work out if I am broke or skint...........skint is probably more positive but some day soon I will have enough to do the things I want to do and actually each month of this journey I have done more and more of the things I want to do. Because right now I want to pay my debts and I am doing that so 'all's good in the 'hood!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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Do you think your in a better position for your danger week this month Red?
Any news on tickets?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 -
hi red i have a danger week mine has just gone i usually cope with wine!!!x0
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Do you think your in a better position for your danger week this month Red?
When the VAT return comes tomorrow we will be fine!;)
Any news on tickets?
Nada yet but I know I will get tickets so it will be fine;)
BEAT_THE_DEBT wrote: »hi red i have a danger week mine has just gone i usually cope with wine!!!x
When you have a spare few minutes BTD, read back in my diary for Danger Week (around 13-20) and you will see I coped with Champagne :rotfl::rotfl::rotfl::rotfl:
Let them eat cake and all that jazz!
Ebay up to £30 on 9 items with 4 hours to go and lots of watchers so we are doing well - remember I would like £5 per item!
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 am loving the positive attitudeLBM 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 -
i want pie and custard now!!!!x0
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I am loving the positive attitude
Well if you can 'see' it, I must be feeling it, which is great.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!
0 -
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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More advice required (still waiting on opinions on breadmaker)
It is my sisters' bday on Friday (right in the middle of Danger Week) and I have zero pennies (well I could use the £26 I have saved for Xmas but that kinda defeats the purpose) so I had a thought. She is a single mum and also self employed thus constantly chasing herself and also, because of some stuff outside her control, her mood is quite low at the moment. Anyway I thought I could give her vouchers, but of a different sort. Vouchers for my time.
EG. A voucher for
An Hours Ironing x 2
Downstairs windows cleaned
Babysitting x 2
Oven and Fridge clean
Wardrobe Tidy
And One for 2 hours and she can choose whichever mingin' job she wants.
What do you think? Am I just presenting as a miser because remember I will be giving her this and then clearing off to Dublin for the night (so not that skint, she might think)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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