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Thats another fine mess I got myself into

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  • Woowoo
    Woowoo Posts: 4,603 Forumite
    I just have a spreadsheet showing what I owe to whom and have internet banking with all my creditors.
    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
    Hi all

    And now I can see my kitchen table......there was a lot of paper as a result of me working out signature last week and of course I had done little to organise it. Now I have a lever arch file with each and every creditor..........Richard is at the back because I hate him most! (well really because V is at the end of the alphabet!)

    Also did another file for business creditors......DH business bank statement came in yesterday and now I know how he has pennies....he is withdrawing cash from that account!! An absolute NO NO! So ladies another grown-up (aka screaming match) on the way in the RMC household....Jeez do I have to watch every bl00dy penny....answer to my own question.....yes I bl00dy well do!!

    Smoking too much - ggggggggrrrrrrrrrrr. Eating too much 3lb on this week..........Spending too much.......so basically its all TOO MUCH!

    7 will sell of 70! Hopefully a little rush later.

    Happy Mummys Day to all that are called that by those they are actually supposed to mother..as opposed to me with a 44 year old!!
    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
    Deep breaths count to 10

    You will stop the fags, the weight will come off, and you DH will see the light , what I cant tell you is when the 3rd one will happen ;)
    Can you not remove his cards and just give him cash when he needs it
    Remember how well you have done all the overpayments you have made so far and the ones you will make from ebay sales this is amazing and its all down to you :T and if you hadn't had your LBM things would be so much worse.
    Put kettle on grab a biscuit and take 5 :EasterBun Its going to be ok
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    OH's can be so grrrrrrrry can't they. Hope the 'discussion' goes well later on.
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Thank You HWG - you are right, I have worked so hard and will continue to do so and now I think I am perfectly entitled to kill him!!
    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!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Will the life insurance pay the debts off...if so go ahead..if not it's not worth it..lol
  • lucielle
    lucielle Posts: 11,505 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Like it Taxi!!!
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Herewego
    Herewego Posts: 2,541 Forumite
    Good news on the amazon sales just wish mine would pick up sold 1 in a week
    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
    taxi73 wrote: »
    Will the life insurance pay the debts off...if so go ahead..if not it's not worth it..lol

    Yeap they will :p Enough said!
    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!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    REDMADCURLS wrote: »
    Yeap they will :p Enough said!

    :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:
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