In the Lowest Hour

moneyonmymindsam

Evening Satchmo my very own flame haired lovely ...:) Hope things are going good for you.

MT I will be popping over to your diary to sully it..lol xxx

Happy Friday just got to hang on a few more hours and tomorrow's a new day...

satchmo1

Haha, MMM, sorry to disappoint but I no longer have a diary, as I bust my debts about 10 years ago and paid of my mortgage 6 years ago. I steered my new husband into MSE ways and sorted him out so that he could pay his mortgage off 2 years ago.


How I wish there had been this MSE forum when I really needed it, with my card declined in the Supermarket and not enough cash to buy a loo roll. I love the help and camaraderie on here, and put in my two-penny's worth when I think I can offer good advice. I love it when forumites go from their "lowest hour" to clearing the burden of debt - which happens when they get and act on good advice.


I know you had a low day yesterday - I hope today was better? Don't forget to put in an expenses claim for lunch (and anything else).


Flaming Satchmo (I like the sound of that)

moneyonmymindsam

The last bill came in from the business almost £700 over what I roughly calculated as including 3 way split a refund to client. Business debts £2498.00 ...I was pretty ill about to be honest ..anyway it's all over now...
Updated my signature ....a family member gave me the money to by a large item from very for them for which I added to my account and have used the money to put towards clearing business debt so I can move on ..they know I have done this and I know its a Stupid thing to do but its done now....!


I just need to do priority debts and clear them down...Interestingly BC have lowered my limit down to £900 ...


AL £1862 ( Down 138 ) :eek: Very £1320 ( up £420! ) BC £855 -down 5 :mad: C1 £175 - down 25


Personal Debt remaining : £4212:00
Bus Debt Remaining : £1249.00

BD : Closed Business Debts Split from Personal Debt - Start
£2,498 - Now £1,249 - 50% paid off as off 26/06.

RosaBernicia

Hi Sam

Just delivering ((hugs)) and virtual chocolate.

You've got a clean slate now and you already know you have the skills - that debt won't last long.


Rosa xx

Dansmam

Hey Sam not entirely sure I'm following the logic but go girl, kill that debt. You look so close to seeing it off x

MuffinTops

Hello lovely Sam,

All of this would have happened anyway and you managed to get your personal debt down quite considerably before it did. You're in a much better situation than you could have been and for that I think you should be immensely proud of yourself. I know at the moment you must feel like you're on a never ending treadmill, but you will get there! You're such an inspiration!

Delivering huge hugs, and that virtual chocolate that Rosa left? I'm not sure she really did as I can't find it anywhere!

What's that? Chocolate stains around my mouth? How dare you insinuate that I ate it all!!!!

OK, I did! I'll get you some more!!!!

MTxx

MuffinTops

Happy Pay Day Lovely Lady!




MTx

monz

You will get there Sam xx

moneyonmymindsam

Thank you Rosa,
Dansmam for popping in
Lovely MT - I just love those ..sad but I really am in need of a dancing monkey ..lol
Hello Gorgeous Monz...Counting down to next pay day as always ...


I will catch up on all the diaries ASAP


Ok I have stuck to my budget ...only four days in but hey going well so far !


I need to ebay more again .


I 'm working on the 10 a day which should be plenty ...I will look at envelope system in cash this weekend.


The positives ...
Gave a friend 50 to look after for me as if I haven't got it I cant spend ..lol
I also have £30 emergency in a piggy bank too


I need to claim back May and June expenses urgently so as this might net me £40 or so I will do it later this evening .
So tired as usual and been a long day.


Cleaning and ebaying tonight


Treats and little buys to make self feel good...


Slippers £3.98 Eyelashes £1.98


Shopping


Sat £5.00 Meat, potatoes for Lunch / Tea's
Sun £ went to £land so spends are
£1 Weedkiller
£1 Crips
£1 Drinks
£ 1 pack toilet rolls
£1 Tins food - beans
£1 toothpaste
£ 1 More chocolate bars
£1 Weetabix


Mon NCE Taxi £10.00 - Thanks to the Taxi driver who let me off £2.50


£ 2.90p - Chocolate, crips and JPotato - cheap Day


Tuesday £7.50 - Non Claimable Expense Taxi and cheapo sandwich


Scrapped in at £39.36
... as of Tuesday evening 8pm ...


Just need to by milk tomorrow ......

moneyonmymindsam

Aim for tomorrow is a NSD ..... tiny bit of cleaning done