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Thats another fine mess I got myself into

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Comments

  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Oh good luck with danger week!

    Yes we're ok, some things need paid but nothing is urgent or due, so for us that means ok LOL
    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!
  • Hi Red, just another jumping in to heap you with praise for your brilliant progress with the debt!. I don't post to you (or anyone really) that much, but catch up once in a while and your diary is one of the best for making me smile!

    I really hope your 2011 brings all you want it to - and enjoy every mouthful of that M&S food as it is very well deserved.

    Mrs R
    #Tesco 0% NIL Jan 2010
    # RBS 3.9% NIL Oct 2010
    # Virgin 0% £2670.92 Oct 2010
    # RBS O/D NIL - repaid with redundancy pay Jan 2010
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    THANK YOU Mrs R - you have made my life so much easier as a result of following your "2 hour Cleaning System"!

    I am glad I can make you smile with my rantings and ramblings!

    I most certainly will enjoy our M&S food, as 'it's not just any ordinary food...........' LOL (Makes a change from Lidl etc) Oh how my mindset has changed....a year ago, I would not even have fluttered as spending (well using cc) £50 in M&S
    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!
  • Herewego
    Herewego Posts: 2,541 Forumite
    Look at you M & S Food how things change so quick LOL, I may be joining you soon if the cash runs out I have £50 in vouchers.
    How bizarre skint and eating M & S food the things we have to do to get by :D
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Mmm M & S food, yummy. That has really made me laugh though, being skint so having to shop at M & S!
    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/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Have just finished books and am very very very pleased to annouce sales are up a massive

    90%

    on last year!

    :j:j:j:j:j:j:j
    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
    Re M&S food, how odd is that, spending vouchers on food! But you what, we are so going to enjoy that food. It will feel like Christmas has come early, it is so long since we had 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!
  • Herewego
    Herewego Posts: 2,541 Forumite
    Consider the food a treat for that fantastic increase in sales :beer: long may it continue, well done to Mr & Mrs Red
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Thank you Mrs HWG!

    This year of course I got the much bemoaned accounts system. After playing with it this last few months, I am now clear on what it can do and it will make 2010/11 much easier to manage.

    Also of course because bulk of business debt is now gone, we can start to pay ourselves back our initial investment, or to translate into MSE - we can pay back CC debt!

    Also I will now be able to focus on bringing costs down so hopefully we will see a profit next year - LOL you never know we may even have a teeny tax bill too LOL!
    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!
  • Herewego
    Herewego Posts: 2,541 Forumite
    Can we include the Red household on the clear the debt by xmas 2011, im just grabbing that positive attitude its great to see.
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
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