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Thats another fine mess I got myself into

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Comments

  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    God, wasn't Page 34 long.............thought I was never going to move to another!
    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!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Glad you managed to get your head around the business accounts so at least now you know where you stand.
    You have my sympathy dealing with it and juggling everything but at least it let you see that you couldn't afford the staff before the situation got worse.
    Wonder whether A+L operate differently on DDs due out on Saturdays as I had one come out on a friday when it was due on a saturday(thankfully the money was in the bank) and thought it was strange at the time it happened.I never bothered phoning them about it but maybe I should've.
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Yeah it is was good to finally get a handle on it....................DH is annoyed at having to let guys go but he knows there is no alternative.

    Like you I am lucky now to be meeting min payments on cc and personal debt. Now any extra will go to business debt (for eg there are 5 delivery weeks in this month so thats a bit of a diff) so I am hopeful I can get it sorted before end of year! But best laid plans and all that!
    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
    So glad to see you've made it under the £40k.

    Your 'domestic debt' might not move much whilst you focus on the 'business debt' but at least it will not be going back up.
    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
  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Hi Red, i know what you mean about 5 wk month i love em!!!xxx I was sooooooooooo naughty on diet on weekend!!!
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Dont even talk to me about diet...........disaster!

    A letter from the business bank today, a bounced dd! Oh the joy!

    However, transferred £10 from Bingo to current account so thats my deposit back.

    Today was also a NSD!

    Roll on end of the week and pay day!
    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
    Why is it when I get home that I cannot stop eating - I had a huge dinner at 7pm and I am starving again and have munched on 3 biscuits.

    I think I may have to go back to classes! I think I need the humiliation!
    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!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    I go to classes and have been naughty the last couple of days..it's stress that is making me eat
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Boredom and no fags I think make me eat - I crave chocolate like nobodies business. In my dreams I want to fit and healthy..........in reality I am a knackered couch potato who procrasinates. Although with no smoking and debt managment, do I have time to manage another task - well I guess you do taxi so I am just procrastinating 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!
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    I hate the end of the month, going to have to dip into savings for diesel! Not sure I would make it too far with buying some :( But hey at least I have my £1 coins collected.

    Today I am off to get my hair cut by this super trendy guy who costs a fortune - my family bought it for my birthday last month. Of course my mother hasn't yet given me the pennies so again, need to use savings and then STOP myself from spending what she does give me.

    In anticipation of this event, I dyed my hair last night. I have a few grey hairs but am lucky that roots still grow natural colour. I think it is a little dark - and fake looking but no matter its done now.

    I am nervous but sure it will be fun..................I find hairdressers very intimidating places to be in - weird!
    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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