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Thats another fine mess I got myself into
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Whoops I posted before I seen your last post, looks like I spoke to soon!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 -
LOL Woo - but its not a disaster, just a stupid mistake and at least it was to my mum (not a supplier or such like) So no not a disaster!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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Oh Red, I know EXACTLY what you mean. I feel like I am finally get there with the monthly budget to enable us to actually pay off more than the minimum per month (well a £5.00 is a start! lol!) and today my car broke down on the drive and got towed to VW on the back of a flatbed
I am still waiting for them to get back to us with what is wrong with it, but I have a gut feeling its going to be expensive - so weight watchers wise, I had a good day, I think I can pretty much eat what I want to today with all those activity points earnt having to cycle to work - I actually thought I was going to pass out 
And when I eventually did turn up, I was a sweaty, greasy, wheezing mess 
Official DFW Nerd Club - Member no. 607 - Proud To Be Dealing With My Debts :T
One day maybe I will be debt free0 -
ello cupcake!!!
Just having a wee catch up, so sorry to hear about the final, but such a massive acheivement to get to where you did. Very positice saying there is always next year too!
Doh to the cheque! one of those lesson learnt moments I guess!! I too am changing my account from the royal bank of mum to a more mainstream one. felt so guilty and am only now paying her back!!!
Lots of hugs.
P xxxdebt @05/11/11 £12210.63!! slowly chipping away!!:heart2:impossible is nothing.:heart2:0 -
I have also had to depend on the Royal Bank of Mom in the past. My ambition is that when I have eventually cleared these debts, I will somehow repay her with a fab gift or holiday. Mom was 80 last month and still does loads for me (baby sitting as well as banker!) I do what I can for her now, but I know that she will be thrilled when I am one day in the black!!!!Proud to be dealing with my debts,light bulb moment: 2/1/2010, reviewed 7/1/20120
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Mine too Cialilerin - sometimes I think she worries more about our debt than me (and she doesn't know the full story!!)
Sadly no VAT payment yet - not great since I phoned to remind accountant last Monday and it is now 22nd!
However, we have survived and thats what counts!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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Another day - another £ to a creditor and nothing from our debtors!!
One shop has 'lost' their bill, marvellous.............................another £500 not coming this month!
Van broke down yesterday - £200 to find for chq written to pay for it.............plus mechanic says we are now putting good money after bad..........need a plan for a van (and I am a poet, and didn't know it)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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Maybe we could all just ask the universe to send you a new van!
Hope the VAT return comes in soon and grr to the lost invoice leaving you short xLBM 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 hate cars/vans etc. They all cost a fortune and only ever break down at the worst possible time! Having said that couldn't live without my car!!Proud to be dealing with my debts,light bulb moment: 2/1/2010, reviewed 7/1/20120
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That sounds like a plan Woo - thank you
Happy Thursday ALL and happy pay day to those who get their lolly today!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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