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Thats another fine mess I got myself into
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Maybe I am more relaxed, and maybe thats not a good thing (haven't worked that out yet) because I don't want to fall under the spell of 'that's just how it is - we are skint and always will be'. I still go to bed thinking about figures and I still wake up thinking about figures but I am better at accepting the reality now than I was but I get mighty pee'd off at paying fee's and still haven't had a month were this has not been the case!
Ricardo............not sure I will get to the £2999 by January but yes he is my first attack once business debt is reduced.........which will be in Dec!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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Just back from a walk, Dh came with me and the doggie but slowed us down however we did walk alot further to make up for it
Now to do some book work and see where we are!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 think your more relaxed but just as determined Red.
I bet you can't wait to start on Ricardo again!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 don't think I could have kept up that level of stress.............maybe DFW is just a way of life for me now and I do more things 'automatically' regarding saving pennies and buying stuff!
Oh you have no idea how much I want to lose Ricardo, just because I don't talk about him as much, he is still someone I want GONE from my life, him and Mr Halifax (DH biggest card)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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Red, that's why i like going on the small things thread, it makes you realise the things that you now do without thinking still add to you achieving your debt free goal.0
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Bet you feel good for the long walk especially on a fresh day like today. We have just had heavy rain but it has stopped now which is a shame as I dont want to keep getting up to the door and kids trick or treating
would it be politically correct to put a sign on the door saying leave me alone I have man flu
MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Yes it would HWG - except change it to swine flu!!!!!!!!!!!!!!!!!!!!!
Always feel really good after my walk but I am not bringing DH again...............he slows me down!
You are right LT - we often forget what we do to save money and every little bit does help and all those small things do make me feel like I am making an effort!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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Not sure if its man flu or PMT but just had to tell a load of teenagers to clear off they were shouting through the letterbox because i wouldnt open the door, then when i did I had my pj's on and said Do you want something you just got me out of bed ? Their faces priceless! think they were scared and i didnt have a mask on LOLMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
I wish I could of seen that lol, you probably made their night HWG!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 -
Beat they dont bother you again next year either.
There are definate benefits to living in a house on its own - no-one bothers you!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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