you know when all you lovely people give advice...

daphne_descends

Pap I think that's a great idea. I actually just suggested this to my mum tonight (she is after a hobby when her OU course ends and is quite creative).

Go for it! :money:

Edit: Also a colleague used to bring in cards she had made now and then and leave them in the kitchen for people to look at and pay her if they wanted any. They always disappeared within a day or two!

postingalwaysposting

sf, will do... will give mse users a discount too ohhh this is so cool :j

postingalwaysposting

thanks fac :T first card ~ 'new baby' nah only joking, glad you approve though

beanielou

OOh cant wait hun.:j

LookingAhead

How exciting!!

Actually fac just reminded me - we have a guy who brings in cards in a basket and leaves them at our works. People pay the receptionist and he comes back every few weeks to collect/swap cards out.

Maybe you can find a few nice friendly businesses near you who will do the same?

Just a thought!

hbl_2

PAP - don't sweat it. I could give you the whole spiel about about how it's not how many times we fall over, but how many times we get up that matters but you know all that.

So instead, you have my sincerest and most heartfelt respect for saying, "you know what, I fell down, but I can get back up again and here's how." But don't beat yourself up about this, there are so many factors at play here and it's early days.

We spend so much time on here talking about becoming debt free that so little is spoken about how to BE debt free. It's a steep learning curve!

Namaste!

postingalwaysposting

thanks all :T it really looks like it will work and i am all excited :rotfl: anyways my lovely part of the month ~ budgets however this month will not work at all

right not going into too much details but my driving will cost £282.00 this month however as of w/c the 5th nov i many have to spend an extra £80 or £160 or £150 depending on an outcome :rolleyes: *if you 'get' what i mean please dont mention it ~ anywhere* so this will be the hard part anyways heres oct~nov budget...

£100.00 ~ mum/rent
£65.00 ~ BT
£11.00 ~ house insurance
£9.50 ~ weight loss resources
£25.00 ~ Halifax ~ locked
£5.00 ~ Halifax ~ web saver
£9.72 ~ magazine subs

£48.00 ~ bus cards
£40.00 ~ 0% furniture card ~ Argos
£282.00 ~ 13 hours driving

Total = £595.22

Take home = £770.00 = £174.78 spare :eek: as you can see that include no more savings to my holiday club in sig (ING), no 'me' money and more importantly no money to go to my best friends bash :rolleyes:

Now accounts at present are sat as ~

£67.74 ~ bills
left to debit...
£40.00 ~ argos, will roll it onto next bill as cause of royal mail i cant pay
£9.72 ~ mag subs, if it doesnt debit its still there and i will save this from the above soa
£10.00 ~ ING, the direct debit has been well and truely *beeped* up its there if needed
£2.49 ~ card making stuff
£6.00 (approx) ~ card making stuff

£68.21 :rolleyes: although this isnt the case due to argos

£45.50 ~ spends
left to debit...
nothing

*planning for this to be used monday for card stuffs* so no going out this weekend :rotfl:

grrrr i will be so glad when my outgoings reduce :rotfl: anyways pap shall work her magic and it will all be fine when pay day (mon) arrives :rotfl:

beanielou

At least you know that your extra spends are shot term-ish.
Is there no way that you can get to your BF's bash?
It would be such a pain to miss it.

postingalwaysposting

beanielou wrote: »

At least you know that your extra spends are shot term-ish.
Is there no way that you can get to your BF's bash?
It would be such a pain to miss it.

hi beanie :hello:

well its the driving at present that is costing me far too much, but as you say its short term and hopefully should end sharpish. Its mad because i have never had so many lesson anyway, usually i was averaging 8 hours per month :rolleyes: anyways...

well i have to go to her bash as at present its only me and her :rotfl:hoping to grab some other but yes i cant miss it and shant... i have £174.78 for the month so breaking it down ~

£50 ~ weekly £10 however i am hoping that i can do some weeks of £5
£50 ~ birthday bash

This then leaves £74.78 which i darnt touch till the 5th :rolleyes: anyway i work it because of driving its very tight. If the worse comes to the worst i will have to get some savings out :rolleyes: but i shall cross that bridge when i get there ~

But my terramundi pot shall have to wait for novembers pay day now

Oh and to make things worse my order from avon needs to be payed tommorow £8.35 and my studio order on monday £16... both of which i budgetted for but both were cancelled now they have arrived :mad: and the worse part is none of it is for me except one spary for £1.50 :rotfl:

anyways enough of ranting, i am already feeling guilty as i am suposed to be in college :cool:

beanielou

Have you not gone to college then?
Im off to dreaded weigh in & expecting a slight gain.Sigh.