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Have grasped the nettle..........now to deal with the ensuing rash

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  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Body clock still adjusting. Have been up since 5am tinkering around with numbers, calculators, 0%BT,colouring in squares and generally having a bit of a SOA hour :) Pleased to say that debt down another £433:j. That is 8.75% since August:D

    Onwards and downwards...............
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    edited 28 October 2014 at 7:32AM
    My posts seem to be being lost to the ether this morning:mad: Me or MSE??
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    There definitely gremlins in the machine this morning.............home office clearing day today:eek:
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • PinkPoppies
    PinkPoppies Posts: 562 Forumite
    There is something so satisfying about tinkering with spreadsheets and squares isn't there! :D

    Onwards and downwards indeed! :T
    Total Starting Debt August 2014- £38,061
    Current Debt- £3600
    Mortgage Offset Savings- £600
    90.5% paid off so far...
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    OK to day is the day I do some 0%BT shuffling..............I wrote it all down first so I could see what was best to move where and when and I am just about to start to process.

    Got £6 from a clothes weigh in yesterday which has gone straight onto the debt.

    Lots to do and whilst I have the energy I am off to do as much as possible...............
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    I have now completed the BT 0% shuffle - took me longer than expected as one transfer I couldnt do cos cards came under same umbrella bank:mad: Anyway with a bit more jiggery pokery I think I have managed it now:eek: Also closed one card down as havent used it in over 12 months, they havent offered me any deals and I dont need that much credit:D

    Right. November in my sights now. Its going to be a very busy slide towards the end of the year. Need to finish the home office declutter before anything else.................. and need to get some things on Ebay to use up my monthly allowance. Will make a list - never got round to Octobers - and post later.
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Have been very tired last couple of days - exhaustion rather than tired..................body clock not quite adjusted but I am back on a strict time of going to bed and no screens!

    Behind on lots of jobs:( Garden needs some attention. Still dithering over home office declutter. Ebay has been ignored but on the plus side I have managed to take yet more bags to Oxf*m to collect Nect*r points and Marks vouchers. Survey totals are looking good - hoping to cash in soon for some Amazon vouchers and I found a large boneless piece of pork shoulder in the freezer which I had forgotten about which will be the basis of a few meals this next week:)

    Think I might go back to bed for an hour now........have a book club book to read which is not holding my attention sadly, so will use that to get back to sleep:D
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Book Group tonight..................and I havent read it. I am going to be drummed out of the Brownies at this rate! No excuses other than it didnt hold my attention enough to dedicate any time to it.........Oh well another book or my Z*pper pile;)

    It will be nice cake though........think that is why we do it really!
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Changes in work mean some restructuring and reorganisation. Lots of people jockeying for position,trying to make themselves indispensable or securing their roles.............hmm looks like I am going to have to join in the affray. Will give it some thought over weekend. It has been a silly busy week with new biting frogs to contend with. New staff joined us from The Mainstream............there eyes have been opened. I had to point out that this is what happens when the system rights you off at 4. However new colleagues means a bit of pressure taken off me so a less frenetic weekend planned :)

    Few more squares coloured in. Will be back later with how many.
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    What a lazy day so far - 1 load in DW 1 load in WM some bacon and egg rolls made for lunch and a bit of catch up on iplyr! This is what happens when the pressure from work is shared...........long may it last. Feel I maybe playing catch up a bit tomorrow.

    Another 0.75% off debt so that is 9.5% since August:D

    Going to a bonfire firework display thing tonight - £3 a head.
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
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