Caz counts it down

EssexHebridean

Brilliant news on the sales picking up - fingers crossed that it continues, it's be fab if you could hit your original target and all the sweeter for not having thought you'd be able to! :T

cazmanian_minx

DebtFree2012 wrote: »

Here's to hoping Fingers crossed for you re sales and well done on sticking to the proof reading!


How's the boys? Have you ridden lately?


xx

The boys are fine, thank you Finn is looking a bit rotund, but I fitted the shoulder shims to his saddle yesterday morning and if I get some time tomorrow I'll try it on him and hop on if it fits. He needs a good six to eight weeks of gentle hacking - he's reasonably fit through living out on a steep hill all year round, but at fifteen I'd rather not rush his fitness. I've also got to deal with his abscess exit hole growing down - the farrier has warned me that at some point he'll probably get slightly footy as the split reaches the bottom of his foot and starts to break off. Merlin is doing really well and the mystery might-possibly-be-a-baby-sarcoid lump on his shoulder has more than halved in size with regular applications of manuka honey.

Today's been a pretty good day I had a nice email from the transcription company asking if I was on Skype to make it easier for the office to liaise with me over work. I downloaded it and got it working and as a result the proofreading tally is now up to £128 in three days :j:j On top of that, the nice people who placed the £411 order have bought another £350-worth of stuff and the overseas lady has finished shopping and has been sent an invoice for £142 which, hopefully, will be paid overnight tonight. According to my stars in this week's Closer magazine, it's an exceptionally good time for me in terms of attracting money into my life - they're not kidding!!

Oh, and a small milestone today; because I banked so much with the £411 clearing into my business account, I was able to allocate £50 to the business overdraft today and that means I've paid off over £500 of it, so the first 5% is gone. I was also able to pay myself another £200

wonabeedebtfree

cazmanian_minx wrote: »

Nearly all the regulars are through the personal website


low rate of base rate plus 1.1% (currently 1.6% in total) for the whole term, hence the idea of maybe paying off higher rate debt with that £500. However, Mr Minx was honest enough to confess that if his cards were paid off for him, he might not be able to resist running them up again, so it's going in the offset for now.

So what have I been up to today? LOTS of proofreading Now up to £92, I've done another file tonight (£4) and have five to do tomorrow (£20). Not bad going when you think that's only since Sunday night.

I've also packed and posted a £411 order and another regular customer has already put £128-worth of stuff in her basket and then got in touch to ask me to shift some stock between sites so she could buy more. Hopefully that'll be all sorted in the next 24 hours (she's in a very different time zone).

Things are looking up. If (and it's a big if) the bead sales recover and I can continue to draw out £1300 a month, freeing up the transcription and proofreading money for debt repayment, then I do actually stand a chance of making my original target of getting it all paid back by the time I'm 40 in August 2015. The race is on!

I would take Mr Minx cards and out them in the freezer so he cant use them!!:)

If it were me I would use the 500 against the highest rate card or debt you have so it would disappear quicker then once the cards are all gone you will have not only the 500 for the cards but also the mininum paid and the bit extra each month. Think of all the interest you would save??

If Mr Minx wants to update/extend build etc maybe it might be worth he looking for ways to get free things. Some people have bits of materials left over and they would ask people to take them away. We have a thing here call free cycle(this is world wide) or gumtree and he might be able to get free bricks, slabs, sand timber etc I know of one guy he built a garage this way. Maybe he could find a corner in the yard some where towards this type of project? the only expense would be labour then.

Things are definately looking up. You were worried the last few months and things are improving with the new proof reading and also the shop. That is some order you got in. A few more like that would come in handy..

Maybe Ebay might see that the businesses are struggling with the new matrix and may revert back. Not hold out much hope though.

The mortgage deal you have is brilliant. If only if only... ours is 4.35% and that is a wopping €1869 per month for the next 24years!! When I was working my wages went towards this but as I am out sick hubbys is doing everything. I busted my back after a car accident a few years ago and I am an accountant so the last thing I can do is sit in an office for 10hours a day. Dont get me wrong I do miss it. the money not the hours of work that is!!

wonabeedebtfree

cazmanian_minx wrote: »

The boys are fine, thank you '

Today's been a pretty good day I had a nice email from the transcription company asking if I was on Skype to make it easier for the office to liaise with me over work. I downloaded it and got it working and as a result the proofreading tally is now up to £128 in three days :j:j On top of that, the nice people who placed the £411 order have bought another £350-worth of stuff and the overseas lady has finished shopping and has been sent an invoice for £142 which, hopefully, will be paid overnight tonight. According to my stars in this week's Closer magazine, it's an exceptionally good time for me in terms of attracting money into my life - they're not kidding!!

Oh, and a small milestone today; because I banked so much with the £411 clearing into my business account, I was able to allocate £50 to the business overdraft today and that means I've paid off over £500 of it, so the first 5% is gone. I was also able to pay myself another £200

My God that is some money. Such a lovely customer £350 ontop of the £411.
They say if you are positive then positive things happen to you and i think that is what is happening for you at the minute.
It makes such a difference when you can reduce your debts doesnt it? Freedom is around the corner.. and before you are 40!!

DebtFree2012

Whoop whooop - ^^^^ here here x

cazmanian_minx

wonabeedebtfree wrote: »

I would take Mr Minx cards and out them in the freezer so he cant use them!!:)

If it were me I would use the 500 against the highest rate card or debt you have so it would disappear quicker then once the cards are all gone you will have not only the 500 for the cards but also the mininum paid and the bit extra each month. Think of all the interest you would save??

The cards are mostly at 0% - one is 6.9% life of balance, but that's the Barclaycard, so I pay about £12 a month in interest. A lump of the Egg card just finished its 0% period, but the rest of that card finishes on 0% on 1st August, so I'm waiting for another three weeks or so before I apply for a new balance transfer offer. I'll probably try for the Bank of Scotland one with the low 1.5% transfer fee. If I don't get it, then I'll have to have a re-think

If Mr Minx wants to update/extend build etc maybe it might be worth he looking for ways to get free things. Some people have bits of materials left over and they would ask people to take them away. We have a thing here call free cycle(this is world wide) or gumtree and he might be able to get free bricks, slabs, sand timber etc I know of one guy he built a garage this way. Maybe he could find a corner in the yard some where towards this type of project? the only expense would be labour then.

We have freecycle in the UK as well, but you actually have to have a reasonable amount of people in the area to make it worthwhile. Up here, we have about 45,000 people living in an area the size of the whole of Belgium. No point in having free materials if you have to spend £100 in fuel on doing a 200-mile round trip with a 3 ton trailer hitched up to collect £50-worth of wood.

No transcription or proofreading work yet today, but I have a nice wodge of orders to go out and I really need to order some stock. I've paid myself another £250 this morning, another £550 will see me at my normal £1300 from the beads and I still have the proofreading invoice from last month to come as well, which is £180 after the tax and VAT have been put aside. Assuming that I get all that banked, plus Mr Minx's half of the food shopping for the remainder of the month (about £140), that puts my YNAB buffer for July to £1360, or over a month's bead shop wages, which is what I wanted to get it to. So from next month, any surplus can start going on the cards :j

DebtFree2012

Congratulations!

cazmanian_minx

Three files to proofread this morning, then I got assigned another seven this evening. Not all of them have been typed up yet, they're overnight jobs, so I did the one with a deadline of 6am tomorrow morning and one of the others that had come in and then left the other five as they don't have to be back until midday tomorrow and it's easier to do battle with strong French accents over a dodgy phone line when Mr Minx isn't watching the Super League

Tomorrow's looking like a quiet day on the bead front at the moment, only five to go so far, but the £300+ order card payment will clear into the bank account overnight. I must do a tally up of this week's earnings tomorrow, I think it's been quite a successful week. I did miscalculate my buffer though, I forgot to budget the council tax this month somehow! Corrected now, but that puts me £113 behind where I thought I was.

DebtFree2012

Won't take long to make that up

cazmanian_minx

This is roughly what I look like at the moment after a ton and a half of proofreading today:



The good news is that I've made £52 in the process, bringing my proofreading total to £200 for the week!



So here are some quick scores on the doors before I go and feed the horses, walk the dog, have a shower and then collapse on the sofa in my pyjamas with the tub of Ben & Jerry's the very lovely Mr Minx brought home from town with him

Business
Overdraft: -£-9560.00 / -£9420.00 +£140.00

Business total: -£9560.00 / -£9420.00 +£140.00

Personal
Egg card: -£4630.00 / -£4630.00 no change
Barclaycard: -£2150.00 / -£2150.00 no change
Nationwide card: -£2355.00 / -£2355.00 no change

Personal total: -£9135.00 / -£9135.00 no change

Grand total: -£18,695.00 / -£18,555.00 +£140.00

Actually there's another reason to celebrate - the amount paid off has *just* tipped over the £9,000 mark

I said I was going to have a look at this week's earnings, didn't I? As a summary - proofreading £200, transcription £0, 10% of bead bankings £164.21, so £364.21 in total. Not quite as stellar as I thought, but over my target £350, so I'm happy with that. Though the 10% is a bit academic now, since sales picked up - I paid myself another £450 today, so another £100 on Monday and that'll be my £1300 for the month