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Thats another fine mess I got myself into

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Comments

  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    EE thank you so much for reading!

    I would have killed him, there would have been one less elephant in the world, for sure!
    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
    Another 1.5lbs off, thats a total of 5.5lbs, which means I am below 13 stone by a whole 1/2lb!

    Good MSE day too. Neices' b/day pressie bought from Gap with 30% off voucher. Boots stuff bought with points and New Look vouchers from MBNA bought me some summer tops!
    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
    Well done on the weight loss Red x
    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
  • Herewego
    Herewego Posts: 2,541 Forumite
    Way to go with the weight loss thats great news

    Are you feeling a little better payday is nearly here
    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
    No hun, I hate this week before payday - my car payment was due and another £100 of dd's but thats me now until payday for payments so just a week of being broke and it starts all over again!
    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
    Looking at your signature looks like you could be hitting the 39K thats fantastic Im hoping for 47K this month but i need to do some serious work would love to break into 46's it could be possible all dependant on the dreaded car
    MARCH 2016 DEBT £25750/ £25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Well done on the weight loss
  • Well done on the weight loss Red, your doing fantastically well. I know what you mean about the week before payday :(
    12/04/2019
    Savings £134 nothing changed here
    Credit Score 134/700 - Jan. 171/700 - Feb. 151/700 - Mar.
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Morning Red, hope your ok?

    Your almost under the £40k, it will feel so good to see it drop into the next bracket.

    I know it feels like a never ending cycle of waiting for pay day, just to start all over again but one day all that money will be yours, no more Richard, just yours to spend on nice things.

    Have a good weekend x
    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 Guys, thanks for writing, especially when I am being such a poor communicator!

    Definately will not get below £40k because going to add business debt next week - which should be less than £20k.

    DH has decided to sell his Xbox - this is the equivilant of a child to him, well almost. Before you feel sorry for him, he is selling one of three he owns!!!!! Has he has his LBM yet, I still don't know!

    We worked out that in a month we will have about 40% of turnover left in profit, which is fantastic for any small business....however to do this we need to let one part time worker go next week :( and cut the hours of another.

    The debt it due to poor money management and not thinking about the big picture, but then you are the small group of people who understand how this happens.

    DH 'forgot' to put money in bank on Thurs - so there was a charge for a DD which normally comes out on 24th (a Sunday this month) which they decided to take on 22nd! GRRRRRRRRRRRRRR £25 charge for a £25 dd which they wont refund because they have already done that this year!!

    Anyway tomorrow I will work out the practicalities of the money and all up total debt. I think if we work hard for 6 mths we could clear business debt which makes there more to throw at Ricardo et al so I may be able to catch up with original DFD!
    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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