Thats another fine mess I got myself into

REDMADCURLS

Afternoon all!

A day off work, very welcomed given the weather is pants - cold and raining. However would love to get out for a walkies later as I appeared to have gained some lb's over the weekend

Need to juggle some pennies today..................and so can't be bothered! But will do it none the less!

No cheques this morning, do these people not know it is the first of the month.

Happy November All

Woowoo

Happy November Red, wish I had a day off work I feel well knackered!

Herewego

Herewego wrote: »

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

The teenagers saw my son today and said they would like to come back and apologies but they are scared of knocking on the door again :rotfl:I must have looked more scarey than i thought

Hope you enjoyed your day off

Woowoo

Herewego wrote: »

The teenagers saw my son today and said they would like to come back and apologies but they are scared of knocking on the door again :rotfl:I must have looked more scarey than i thought

Hope you enjoyed your day off

That's brilliant HWG :rotfl:

REDMADCURLS

LOL - priceless!

Maybe I should bring to work with me!

REDMADCURLS

Ok budgets done for November and as usual they don't add up.......................

I know I keep saying this but payments to us at end of November should help reduce business debt to bearable.

We have one last large outstanding debt - to the Bank of Mum and Dad for £1700 and then we are done with large debts and we are paying off rest monthly at reasonable rate (ie no interest). I know I could use this money to pay off a cc but they have been so very good to us, helping us out of many a deep hole that I would like it gone and asap.

As of today our business debt is down to £6038.02 so thats £1200 less than last month. But delightfully at end of Nov it should be down to £3650. which will reduce by £450 a month and will be gone by June 2011. That just leaves with monthly outgoings for business which we have covered throughout and will continue to do so without difficulty.

So I said I would have business debt clear by October, I am a month late but it sure does take the pressure of for the 'quieter months' and allows me to fire any extra to dreaded cc's. This I will start in February instead of January, just to give me breathing space and allow me to build up reserve in business, also known as reducing o/d!

I am pleased

Woowoo

You should be pleased Red, you have done so very well.

It's best to take the extra month to build the reserves, it will stand you in good stead for the future.

Slow and steady wins the race after all x

REDMADCURLS

Personal debt is not so good................DH still hasn't called re cc's and of course hasn't paid them yet either. His problem to sort I believe.

Absurd&Ludicrous have not yet implemented a DDM sent to them twice by car leasing company..........I have paid up to date but they say it will show as missed payment on credit file because it didn't collect by DDM (I have paid via Switch) NOT GOOD and will arm myself for fight with Santander!

I still am not in a position to do a SOA as it still wouldn't work...............LOL after all these months!

However, I know shortfalls and as always I have danger week each month.............which hit again this month with missed ddm's but I have a plan now (well at least til end of year)

I have listed 10 things on ebay and will continue to do so at least 4 nights a week until all the carp is gone...........I don't expect to raise a load of money but enough to help meet bills in danger week would be good, so fingers crossed x

hypno06

Here's to a successful November, Red x

Herewego

Good luck with ebay I admire your determination keep up the good work