The end of procrastination and disorganisation.......

abba1772

You can get your mojo back parsniphead xx

doingitanyway

I think you could use your signature to set some financial targets then you (and we) can see your progress and encourage you.

When I need my Mojo I listen to Dave Ramsey. He is probably a bit out there but I find him inspiring.

Just a few thoughts.

Enjoy baking biscuits with your son

parsniphead

I used to listen to Dave all the time, especially when sewing. It's been months actually. Need to switch off the music and start my Ramsey time again.

Very tired today. DS stuffed his face with everything yesterday and vomited early this morning.;). The third night of hardly any sleep. I'm surprised I don't look older than I do.....

Right off to clear the front room so I can get the roof man in.

Have a good day. Xxx

abba1772

Aww bless hope ds is ok xx

parsniphead

Thanks abba.

He is not himself. He fell asleep on DH this afternoon and promptly threw up when he woke up. Even as a baby he needed a car/pram ride to nap in the day. He never went off just because.

abba1772

Aww bless him there's nothing worse than a poorly child hopefully the sleeping will help him get better quicker xx

parsniphead

Thanks Abba. He is better now and I don't I know it. Paper everywhere.:eek: Oh well, its good to be crafty.:eek::eek::eek:

I've been looking at finances and my bank statements this morning and have realised how lax I have been recently.:eek: Its absolutely shocking to be honest. I have worked out two possible plans, one of which using some of the money for windows but would help me pay off all of the consumer debt but the big one five months earlier than by not using it. I'm really torn but as someone who spends her life waiting I've decided that I need to decide which way to go by the end of today.

One thing I'm going to do is transfer most of the v@nquis debt to the t3sco card and pay of the balance on v@nquis. I will still be paying interest but no where near as much as with v@nquis. Obviously this debt is not paid off but I will feel a bit closer with the number of debts reduced and having less interest.

Once this is done I will start hitting the smaller ones.

For the first time in a while I'm feeling excited and motivated.

Right ho must get on with starting to sorting out this mess. :j

Have a good day all.:)

parsniphead

Goodness, its all or nothing with me.

My balance transfer has gone through. :j I just need to wait for it to go through on the v@nquis account so I can pay off any left over. I'm starting to feel that I'm getting some control back.

I'm still pondering as to whether i pay off the c@pital one card in full. I will take a hit on the window fund but I dont have enough anyway. With the debt gone I could save up the money need quicker. I need to decide today though.

I can be tell you something though I can't wait to tell v@nquis to get stuffed.:rotfl:

Another bit of info, l have purchased a roll of 15 bin bags today. I intend to fill them ALL by the end of the week with rubbish or donateables. In will return to tell you if this has been successful. :eek:

Apart from wanting to head to Leeds tonight to see a gig ( I'm not going by the way) there's nothing else.

Back later with my decision. X

redofromstart

whats the interest rate PH?

parsniphead

30.34% redofromstart, which is about £26 per month interest. I do want to get the windows but to throw away this money each month seems stupid.the v@nquis was way more so I'm glad I moved it.

I also think that I will give me the motivation to keep going. I have some sewing work to do this week so all of that can go towards the debt too. All the little bits add up.

To be honest I feel very on the bottom of the pile at the moment. I think I'm still upset about the redundancy....I know I should get over it. Also I'm embarrassed about the debt. So many of my contemparies have gone on to achieve and I'm feeling at a very loose end. I have to find a way to drag myself out of my funk.

Thats it, decision made. I'm killing the !!!!ital one. Will do it now. Its now or never.

Plus I'm jealous of Doingitanyway :T:rotfl:.

Back soon. X

Edited to say.......

DONE IT. WOO HOO.