📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Thats another fine mess I got myself into

1232233235237238301

Comments

  • Great news on 90% sales increase. This next year is looking rosy for you. An account system which is working. Debt in hand, each month less. Shopping at M&S for food.
    About 5 years ago, I remember when my sil phoned and I said that my DH was food shopping in M&S, she made a joke/comment , I had to explain that it was a few days before pay day, no money in the account, but we had a M&S store card. No wonder we were in a money mess.

    Good luck for the new financial year.
    Pay £7,500 in 2011 paid £29,325 No 43 OP £21,825
    Olympic 78= £20,000 paid £35,708 over paid £15,708
    Mortgage over payment £1996/£1497 paid in 2011
    sealed pot 4 number 845
    Weight Loss 29lbs/13lbs
  • When we've had M & S gift vouchers we've used them for food shopping. Crispy Aromatic Duck, yum!
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Just had a yummy M&S tea, God it was delicious!
    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!
  • pania
    pania Posts: 8,258 Forumite
    hellooooooooooooooooooooooooooooo :D good news i hear??? x
    debt @05/11/11 £12210.63!! slowly chipping away!!
    :heart2:impossible is nothing.:heart2:
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Yeah things are good here (I feel nervous saying that)

    Of course, we are still robbing Paul when his back is turned but we are well on our way to a civilsed form of living, as opposed to a mere existence.
    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!
  • pania
    pania Posts: 8,258 Forumite
    thats brilliant news babe, really really pleased!! :D xx
    debt @05/11/11 £12210.63!! slowly chipping away!!
    :heart2:impossible is nothing.:heart2:
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Evening all,

    Payment due 4th still not arrived.............they said they posted it on 4th so hopefully tomorrow. This is a clear example why I need to build cushion into business account so that we are not in a panic for money.

    Apart from that, things are tight, very tight but at least not bursting!!

    Tired, and as someone else said on their diary................it feels like it should be Friday - lllllllloooooooooooonnnnnnnnnngggggggggg week.

    Weigh in tomorrow, would be delighted with 1lb off. Think that I have had my uber lose now (9lbs in two weeks) and we are on slow steady decline now, which is great as long as I keep losing. If I manage average of 1lb weekly, I will have lost 23lbs by Xmas, which would be fan dabby dosey!
    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
    Not good news on the money fingers crossed for tomorrow.
    Keep up the good work with the diet you are doing fantastic and I am sure you will make your goal by xmas, hope work is a little easier through the next 2 days.
    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
    Hope the money arrives today Red.

    Well done on the weight loss so far and good luck at the weigh in tonight x
    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
    Absurd&Ludricous are now taking DD's out in the middle of the day! No longer in the morning is your statement on line a reflection of the day it appears, but rather a dd has come out yesterday sometime (it wasn't out in the morning when I checked!) So my statement this morning show a lodgement and then next is a dd and then a reversal!!!!!!!!!!!!!!! Damn them!

    So the statement shows enough money in the account to cover but obviously they attempted the DD sometime before the lodgement was made. And to infuriate me further the dd has always come out on the 7th but for some reason yesterday it came out on the 6th in the afternoon!!

    Will try to think of the positives of this annoyance!!
    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!
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.