"Simply not solvent!

boredofbeingathome

Karmacat wrote: »

There's one on ebay for BIN of £6.87 and £3.78 postage, from the States, 11 days to go on the auction. I'm Watching it now.

EDIT and another at £3.

Good grief we can make dosh off the Ninja? I am torn now, because i love it.:o :rotfl:

hypno06

I never got a ninja......or an ipod.....or a memory-stick......

**sulks**

boredofbeingathome

hypno06 wrote: »

I never got a ninja......or an ipod.....or a memory-stick......

**sulks**

Did you ask them about it Hypno? I was just thinking about it before and was going to post on yours about it.

hypno06

yes, I asked but got no response

Seaxwyn

I'd forgotten about my Ninja! He's languishing in my present box. But I love my Qype t-shirt, I'm wearing it now.
BOB and hypno, how come you're not doing the new Qype promotion? £50 for 50 reviews - easy (except I'm stuck on 38).

boredofbeingathome

I put in for it and was accepted but then i lost some motivation. Felt really rough for a few days, i loved doing the last one as well. I will get my head together and maybe have a mad splurge if not will do the next one.

I would ask again Hypno.

Edit to say i love my T shirt as well it is a lovely fit.

Seaxwyn

1 February and my debt total is £36,253.27, which is £4500 more than it was on 1 January, and, even more depressingly, only £338 less than it was on 1 January 2008. I've paid out thousands in debt repayments in that time, then had to borrow as much again.

I've applied for the park job, I don't feel it was a very strong application, I just hope there wasn't much competition as it is a part-time job. But I need to have a hard think about whether I would just prolong our problems by taking it. I still feel I can't face applying for full-time well paid jobs though.

hypno06

At some point, your desire to make changes to your finances and the way you deal with them, will outweigh your tendancy to "bumble along".....and at that point, you will have a secondary LBM, and will find that you do change your accounts/payments/banking/work attitude and will most likely see the difference.

But until then, no one can do it for you, and you have to accept that things will just "bumble along" and be pleased at the fact that you are not in MORE debt than you were this time last year.

You CAN avoid this happening again next year, but that involves making changes - putting money away for your tax, sorting your bills out so you know exactly what comes out where, and having the money going in the same pot to cover it, etc.

Hope that doesn't sound harsh.....it is just the way I see it, and how I experienced that sort of difference myself.

Sea78

Hey Seax
Why do you think you would prolongyour problems by taking it? Would it not give a little more structure and then perhaps you could transfer this to work at home? xxx

hypno06

I think the main thing is for you to decide what you want to do. For everything we do there is a benefit and a downside, and for each of us, that downside has to be worth having in order to reap the benefit.

So for me, the debt being busted was far more of a necessity than working for myself.......

In an ideal world, working for myself and debt busting would have worked hand in hand at a very successful rate of knots.....but my discipline was good, but not good enough to get the debt down at the rate I wanted. I daresay that I could have worked harder/made more effort and earned more....but the fact was that I didn't, for whatever reason, and to go out to work in a "proper job" was the better option.

Of course, had I stayed self employed and made the decision that to make minimum payments and let the debt take it's natural course, that would have been fine - but it is making the decision and then acting on it that needs to be done.

Of course, we want the perfect scenario.....but we all know that life is rarely like that.

As sea says, Structure is the key here, but if you don't want structure, then you cannot expect everything to fall into the right place all the time. If you do want structure, you have to form it!