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A journey of a 1000 miles must begin with single footstep....
Comments
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Oh that will be great if you can stop those nasty o/d charges yum xLBM 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/£40.000 -
Well I only have £2.20 left from my £30, but at least I didn't spend my emergency tenner!
My head hurts and I am kind of deaf this morning! I found my shoes on the kitchen table when I got up?
Time for another cuppa I think, before shower and dog walk!
Sounds like it was a good night and well done on not dipping into your emergency £10 AND you came home with change! Result all round! :money:Oh that will be great if you can stop those nasty o/d charges yum x
Yeah, its what is killing us
Because we are right at the limit of that OD...its so easy to go into the "reserve" but because of DD's we can't remove the reserve yet Need to get the OD beat so we can tackle some other high interest debts. I do have a plan, just hope we can stick to it x 0 -
Well done on not using the emergency £10!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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You have mail Ms WooLBM 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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ha - its funny to imagine the shoes on the table :-)
Glad you had a nice time and stayed in budget - good girl.0 -
YumPumpkinPie wrote: »Grrrr! I annoy myself sometimes! Woop £22 every 5 days reserve here I come:(:(
You are in the reserve club too? It's so annoying! We have asked for a normal overdraft which will be easier to pay back (as won't have around £72 in charges per month) and they say no.:mad: I share your pain
Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 10 -
Well I only have £2.20 left from my £30, but at least I didn't spend my emergency tenner!
My head hurts and I am kind of deaf this morning! I found my shoes on the kitchen table when I got up?
Time for another cuppa I think, before shower and dog walk!
That's another £10 for lovely Lloyds!
At least you had both your shoes, my brother once came home with only one!0 -
Glad you had a good night out and didnt go over budget, boo to the bad head and deafness.
Now payday has been and gone whats the plans for the month ?MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Now the countdown till next day begins, is there ever anything else lol!
I have another £40 put aside in Novembers pay for Xmas presents, but I reckon I will need to find a further £30 as well to finish.
The £10 left from last night isn't spare unfortunately, it's my fuel money but I always take emergency taxi money out with me just in case!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/£40.000 -
well at least you have your fuel money for next week!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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