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Thats another fine mess I got myself into
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Didn't want to read and run. I save £2 coins and try to 'forget' about them. It really huffs me if I have to spend one.
LTotal 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 #1240 -
Sorry to hear about your lack of funds - tricky when you don't want to upset customers. I would just eat the leftovers if i was in a business like that.....1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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LOL at eating produce!!
Would you believe me if I said I rarely eat them - primarily because OH stinks of baking and the bakery is our garage converted so to me they are taking over my life and not in a good way - I just want the $$$$$$. I guess if there were not 1000 apple tarts around I would want one thoughLBM 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'm hungry now. And wanting an apple tart but it's silly o'clock again and I should be asleep!
I popped a £2 into my £1 tin today/yesterday(which will prey on my pedantic side
but I don't come across them often enough for them to have their own tin!) ...and now I've cancelled the paperboy it might even stand a chance of staying in there past a week! (I wish I had the discipline to do the sealed pots Inmydreams does!)
Jan10: 28,315.81 Jan11: 18,015.32 Jan12: 7,682.58 Jan13: 2,987.73 Current debt: 1,225.55
HFC [STRIKE]1896.10. [/STRIKE] 225.55 SLC2 [STRIKE]5123.34[/STRIKE] 0 Others [STRIKE]2085[/STRIKE] 1000 Bcard [STRIKE]1172.60[/STRIKE] 0
Mike's Mob0 -
Hi Red have you got a debit card machine? You can take payment over phone when you take the orders??0
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BEAT_THE_DEBT wrote: »Hi Red have you got a debit card machine? You can take payment over phone when you take the orders??
Unfortunately not - very small business £70k turnover - and get this, with bakery produce it is normal for sale or return - in orders he can leave as much as he likes in shops and then pays them 25% commission on what they sell - almost like he rents the space in their shops!
Had to buy £5 of diesel today, so paranoid thinking they all were laughing at this 40 year old woman who could only afford £5 diesel. But tomorrow is pay day and the first day of me actually conciously paying OFF my debt.
DH has a bid on Ebay - didnt I just know he would get one first!!!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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Great news on the ebay but dont moan just encourage it tell him it must be the way he did it much better than you,then all you have to do is find the stuff to ebay and thats the easy bit. Wish my DH would do some he just thinks im mad lounge looks like a jumble sale and l only seem to list if im in the mood.
Dont worry about the £5 fuel I do it all the time. Fridays payday for me aand i cant wait got all my envelopes ready for my budgets another thing that makes him think im mad ( maybe he has a point)MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Oh my DH thinks I am totally crazy!! But I will be crazy and out of debt!! (Some day)
Don't even want to look at balance because I am sure another ddm is due tomorrow, my pay will go in tomorrow AM and of course they will charge me because they will try to take DDM two minutes before they credit pay - jobsworths!
If I didnt have £2k o/d with them I would change banks yesterday!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 had that very same argument with my bank RMC. Cheque came out today, realised, phoned to put money in... no way they'd guarantee I wouldn't be charged, unless I took out the premier account (£9.50 pm)... so I did (even though I don't want it!) as 9.50 is better than £20 I guess. But if they can waive it for one, they can surely waive it for the other! Grrr :mad:Jan10: 28,315.81 Jan11: 18,015.32 Jan12: 7,682.58 Jan13: 2,987.73 Current debt: 1,225.55
HFC [STRIKE]1896.10. [/STRIKE] 225.55 SLC2 [STRIKE]5123.34[/STRIKE] 0 Others [STRIKE]2085[/STRIKE] 1000 Bcard [STRIKE]1172.60[/STRIKE] 0
Mike's Mob0 -
Its like the poorer you are the more they make out of you - b'tards for sure but as I said on Herewego's diary, I have a £2k o/d and so cant leave them yet. Think I am paying them £150 this month - dead money which should be going to richard branson!!
But this month - there will be NO charge - I swear, even it kills meLBM 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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