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A journey of a 1000 miles must begin with single footstep....
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That's it for now though, unless I can save some shopping money
Am waiting for a pet insurance claim, the vets have only just sent it off despite me taking it in at the end of Nov grr! No idea how much it will be for, there's a £60 excess and 50% belongs to OH. Might not mention its arrival if I'm feeling naughty!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 -
Lemon_Tree wrote: »Woo wish i had random amounts to pay in the bank, i feel that i only play at debt busting because all i have is my salary paid in once a month, rediculous isn't it?
Im monthly as well LT, the £30 was Xmas money and the £10 is saved fuel money. I'm all out of spare cash now!
I sometimes think weekly paid would be easier to budget, as it's only ever a few days till pay day then!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 -
i keep saying at work weekly makes you richer, you're generally only skint for one day a month rather than for what seems like 3 weeks a month because you've timed all the bills to go straight out. Can't pursuade them though.0
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DH gives me money weekly, it is good for food, fuel etc but a nightmare trying to keep some over for bills, trust me you lose either way!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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i'm sure you do, i did think i would be a bu99er to pay monthly bills. some people i know get 13 pay days, now that could be good if you treat the 13ths as extra rather than budget it if you know what i mean.0
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13 paydays a month sounds like a fab idea, I would use it purely for treatsLBM 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 -
:jI have to say I'm impressed that you are still finding money for Lloyds when I am just hoping to pedal slowly to pay day:T0
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Have just realised I have the dentist on Tuesday morning, I can't move it as I have done this several times now and can't risk being kicked off the NHS! Thats £16.50 I have to waste on a checkup
Will need to keep my £10.39 towards this, instead of Lloyds.
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 -
hey woowoo! just wanted to stop by and say how well ur doing! havent visited ur diary for a while due to busyness etc but ur doing fantastic!!! keep it up!!! :beer: xxxCurrent Mortgage balance - £363,785.35/£420,000 (highest point Oct 2022).0
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Hi Keza
I think today is gonna be one of those days staring at the spreadsheets hoping for a miracle!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
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