"Simply not solvent!

Seaxwyn

A few DFW things today:

• received payment for delivering Yellow Pages last month - £105.20 :j I've already paid £70 of this out to my young helpers though, and I suppose I will have to declare it to the Inland Revenue.
• received £25 incentive payment for doing a 'review' with Alliance & Leicester five months ago. It went into my 'Plus Saver' account - does anyone know how to get it out of there? I want to start snowballing my Sainsbury's credit card.
• got lots of lovely food very cheap by going along to the Farmers Market just as they were packing up.

I also feel much more excited about snowballing now that I have a clear no 1 target debt in mind. Thanks to everyone who helped me sort out which it would be. I just can't wait to pay something off it!

Things are tight at the mo as though I'm due to write a big invoice for some work I finished last month, I can't actually do this until the project has been 'evaluated', and this is happening very slowly.

Rather a dull post for a Friday night, sorry! I'm off to heat up a delicious looking organic steak and kidney pie, £1 from the Farmers Market, should feed seven of us!

taxi73

Hi Seaxwyn..well done for what you've done so far and the pie sounds yummy!!1

hypno06

Your total is coming down nicely - won't be long at all until it starts with a 3 instead of a 4.

Glad that the snowballing seems to be working now.

Hope you have a good weekend and that the kids spend their "earnings" wisely!

chevalier

Hi Seaxwyn
How are you going this week? Any news on OH job decision?
chev

Seaxwyn

HI chevalier

OH is being very cool and not rushing into a decision, which is the opposite of how I would react. Both jobs are for next academic year so he doesn't feel any pressure. He would like to stay at the place where he has been teaching and the course leader wants him too so negotiations are going on with higher powers at the college about whether they can offer him more work.

Meanwhile he has also been offered some work doing something completely different. I don't know how much that will be - maybe only a day or two - but it's another boost to his confidence. We find out more on Thursday.

I've also got lots of work for the next month or so but as usual I am being rubbish about getting it done. I'm so fed up with myself.

But I sent off an invoice today for £4,000 so we should be able to meet outgoings for next couple of months at least and pay a decent amount off my credit card.

So that's us! How are you? I wish you'd start a diary, chev, because you post such nice things on other people's threads but we don't often get a glimpse of how things are for you.

taxi73

Hi....my my he is popular....what great news and to have so much choice that is fantastic...I'm so happy for you...and glad that finances are looking up ...like you say £4000 will go a long way...
Now then .....GET SOME WORK DONE...then you'll have plenty more coming in...(just a gentle shove,honest)

hypno06

Evening! Did you get your work done? We must challenge each other to do a certain amount of "billable" work each day, or at least work that is directly related to it, otherwise we will both be in trouble!

Have made a list of things to do tomorrow, so no excuses for me to procrastinate!

Seaxwyn

I've signed up to AJolly's challenge to pay off £6342 by Christmas - my own take on this is to get to under £35k by Christmas. I need a challenge to shake me out of my lethargy.

Hypno, a work challenge would be very good too - faffing about when I have work piled up on my desk is my biggest problem.

For example I only wrote 9 of the 15 pieces yesterday, so today's priority is to get the rest done and I'm logging off here til it's finished.

chevalier

Hi there Seaxwyn
Thanks for the kind words. I don't post a diary because financially we are pretty balanced! (Other things aren't balanced but that is another story:rolleyes: ) I was very lucky that my OH sorted me out financial knowledge wise when I was still a student. I had a credit card that I was just doing minimum payments on, and he explained why doing this was a bad idea.

Also I was bought up by a single parent when such things weren't as usual as it is today, so I knew in the back of my head sort of way to work for what you wanted etc.

I am really lucky in that OH and I have similar view points on money. So we still drive the same cars we did 5 years ago, and though I lust for a Laguna sports tourer estate I don't NEED one:D . We aren't proud and take second hand furniture from anyone so our house is definitely the shabby chic look!

However I empathise with you because I can procrastinate for England too. I got made redundant when pregnant with DS2 and so am retraining, such that I can get a job when we go to New Zealand, and so I KNOW that this course is important, will make our lives better, make me feel I accomplished something etc etc, and yet I still spend far too much time on here and not looking at sound wave pollution (the current block of my course)!

We live a pretty DFW life so when I offer advice it is with 20 years of knowledge about stretching things and the difference between want and need etc.

So though I have issues, they are not financial ones, so prefer to have people concentrate on those who really are up the proverbial without a paddle.

Anyway back to you! I am going to do 2 hours studying now. There I have put it in print! So your challenge (cue mission impossible music) is to do 2 hours too! Race ya!
take care
chev

Seaxwyn

Hi chev

I hope your studying is going well and wish you the very best in sorting out the other issues you hint at.

I so sympathise, procrastination is an awful thing to be afflicted with. My procrastination problem has got so bad that I have today taken drastic action and installed 'Blocksite' on my computer to stop me playing Freecell online.

Big thanks to Bigtel on the techie board who will never know what a wonderful deed he has done in showing me how to win back the hours each day that I have been wasting playing this pointless game. If I ever get debt-free it will be down to bigtel.

Right off to get the kids.