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Thats another fine mess I got myself into

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  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    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!
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    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!
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    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/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    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!
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    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.
  • Herewego
    Herewego Posts: 2,541 Forumite
    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 :o would it be politically correct to put a sign on the door saying leave me alone I have man flu :D
    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
    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!
  • Herewego
    Herewego Posts: 2,541 Forumite
    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 LOL
    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
    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/£40.00
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    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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