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A journey of a 1000 miles must begin with single footstep....
Comments
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Have just found out I'm getting a £581 bonus in September, woo hoo!
Every penny that the tax man leaves me with will be going straight to the robbing basta*ds Lloyds TSB!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 -
Have just called Lloyds and closed my credit card account, so I can't spend on it, I haven't been tempted at all but a wise precaution all the same as the available balance is now £2.5k! It also means they can't sneak the interest rate 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/£40.000 -
That's wonderful news re finding 20p and it's wonderful news on the bonus :-) I will be coming up to my yearly increment pay rise yippee it will make a nice difference of 50 quid a month after tax but still it's all in our pocket. Someone mentioned freezing paying the pension but I would get used to that extra and not want to restart paying it. What do you guys think? It would an extra 150 a month to my wage ?I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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That's great news on the payrise Happy.
I have also stopped my pension until I'm debt free, but will definately start it again as soon as I can.
My debt free date is only 2 years away so not too long to stop it for, I guess it's considering the balance of providing for your future but also trying to get your debts cleared quicker. Maybe you could freeze it for 18 months or something to clear a chunk and save on interest and then make a promise to yourself to start it again.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 Have decided against freezing paying it would upset stuff and i have maaged without it so il not upset the apple cart haha
The weather is a tad dismall but hey ho
x I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680 -
It's grey and gloomy here, but no rain.
The leaves are starting to change colour already on the trees!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 was going to start singing the seasons songs from greece 2 il be your girl for all seasons la la la tv is pretty dull too lol .... trying to figure out how much we have spent on fuel so i can update my spreadsheet xxI AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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I'm gonna have that song in my head all day now lol!
Good luck with your spreadsheets, I am planning to start walking to work again twice a week next week as this saves me about a fiver on fuel.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 -
Great news re bonus Woo - another happy find too!
Surprisingly it is a beautiful evening here and I shall be enjoying it lying on the sofa, letting the warm sun it my face as I snooze!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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Found another 20p this morning whilst walking the dog, that was worth braving the rain for!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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