The Matrix - Re-Evolution!!

Memory_Girl

TA-DA

Just to cheer me up .................. and because despite paying off this debt for 2 years I have NEVER received a statement - and despite two letters I have still not received a balance................

Original Debt (Personal Guarantee) £10,000
Payments made so far £8948
Finger in the air balance £1052

Balance in the Current Account (mortgage Offset) £1480

So depending on how much interest they have added over the term I could actually be within sniffing distance of being DEBT FREE!!!!!!

Dances off around the room!!!!!

MG

ETA Can't believe I have nearly paid this off despite being on less than £800 pcm of income:j:j:j

MrsMoo2U

Memory_Girl wrote: »

Forest Kindi done and dusted - but it is now throwing it down and freezing cold to boot.

I'm in a grump as in the last two days I have had notification from Tax Credits people that they want to see evidence of my self employed.

My details
Type of work and nature of my business
Dairy of bookings / appointments made
Copies of Adverts places
Breakdown of hours worked per week
Invoices for any work done
Receipts for any expenses paid

Now that is what I call a full audit.

Then today a letter from Council Tax - basically looking for the same.

So I am taking this as a sign that I need to get all my paperwork shipshape. So grumpy mood or not, I call this afternoon as a Power Day to pull everything out and get it sorted.

Pop the kettle on and grab my timer - Officially starts at 2pm.

MG

Memory_Girl wrote: »

First box of assorted paperwork sorted into 3 piles - most of it went into the bin though - Yay!!!!

Onto the second (with cuppa to fortify me LOL)

MG

Memory_Girl wrote: »

Hate filing - pah!!! I love filing would have done it for you if closer.

But it is done and the sun has come out - so all is well with the world - LOL

MG

Crab apple and chilli jelly Claire?

:T:T:T So how many hours in the end?

Memory_Girl

Erm - one with lots of breaks.:rotfl:

Goes off hanging her head in shame:p

MG

Marru

I will be back later to catch up but I need to dash off to pick DD from after school club and take her to beavers. I have been today on a course teaching me to be a better separate parent :rotfl: What an utter waste of time. I knew all that and am already doing all of it. I wish my ex would realise that I am not having a game plan and would drop his. We wouldn't be in this poo then.

Oh never mind, more coffee...

Horace

This afternoon, I made a plan - tomorrow I am going to visit the NT property where I intend working (hark at me and I haven't submitted my application yet). This will refresh my memory as to the layout of the place and give me more ideas on how to improve things - I may treat myself to a piece of cake and cup of tea whilst I am there (purely for market research purposes I hasten to add). I will then be able to complete the application with ease then.

Still need milk but can't be bothered to go and get some so I am drinking Ovaltine that just needs water adding. Oh and the NT sent me some free PG Tips teabags that came in their magazine.

Memory_Girl

Sounds like a plan Horace.

My back to work credit of £40 per week stops in 4 weeks - so the game is on to get rid of Big Horse Debt and get back on an even keel.

I have go a direct phone number for their Glasgow office and I shall be on the phone first thing to find out direct from the horses mouth what the interest damage is.

One last push - wouldn't it be great to be debt free by the 17th of December? That would be 10K gone in 2 years.

Off to pay £53 off using online banking - that way I shall owe just three figures instead of four - £999 to go :j

MG

Dorastar

Evening matrixey peeps - school harvest service done (mentally ticks box till this time next year) got a nice compliment from a senior teacher (smiley) and dh has 'tidied' house so it looks fairly good.

Wall nearly done, just got to pay for it now, then going to MSE after that till we can pay off CC before pension/tax increases hit next april is not going to be pretty but at least I still have a job

Had some lovely homemade veg soup made by dd at the weekend - she really enjoys cooking and is desperate to cook so she did roast tomato and pepper soup and veg soup to clear out fridge and we have a freezer full now!

clairewop

positive vibes please I'm going through an application for a mortgage over the phone

jc2703

Hope it goes well Claire!

1. got up and checked the bank and found money gone in early
2. car passed its MOT with no expense
3. been sat in meetings with suppliers today and in each one listened to my Boss say how well I'm doing and what an asset I am to the business
4. DH passed his grading at martial arts

I wanted to document this to show that sometimes I have great days!! lol

Hope it rubs off

clairewop

nope it didn't