The Ultimate Incentive muddles along

shrimpy_80

Hi all, so nice to see this thread up and running again! I've just caught up on the last year and a half's worth of posts - lots to catch up on! Lots has changed my end too but the main one is that the finances have nosedived so hoping some of your focus and positivity will rub off on me

Cinny91

Sounds like it's new thread time, Dinah!

Have you pointed out the perks of being employed to her? Sometimes it's so much easier to see the top line without thinking of the rest.

My car's been in for it's MOT but should "only" be around the £150 mark 🤞 We've been tight with our budget this month to pay the maximum off our debts so we'll only have a few £ in the bank and £30ish in cash but we'll be fine. We do keep a £1500 float in our bank, so it isn't like we're really running on £0 (our bank is the one that had the big fudge up earlier this year so we get a 5% return on that :T)

Dinah93

The idea of starting a new thread feels so massive I'm struggling to post!

Need to make some bigger payments out of the business in the next few days, but money won't be in there until next week so going to have to do it as personal and then reimburse next week.

Big payments we need to make are

Business
£288 - business rent
£897.50 - contractor invoice
£497 - truck payment
£550 website first payment
£400 rigging kit

personal
£600ish flights
£600ish car hire
£300ish car insurance renewal
??? Accommodation

Business already owes me about £3k, which I should be able to draw in December as well as these expenses. I've got a grant I need to find time to get quotes for as that will pay 1/3 of eligible costs for the next 10 months.

Dinah93

£60.80 in the account today from selling some baby things at the nearly new sale a few weeks ago. Is this in any way offsetting buying a gorgeous £12 baby dress in Cath Kidston on black Friday? I'm not pregnant. We have no decision made if we're having any more children. If we do that child may not be a girl or born at the right time of year to wear said gorgeous baby dress. I need help.

kavics17

That’s how I knew I wanted more children... just saying.,,

archersluck

Just checked in on a whim, I'd missed the flurry of chat last year - such lovely news Kavics, how is being a mother of 2!?

How are things Dinah? fb looks like business is still going well. Is your Canada hol soon?

Not much to report here, we got a dog last year who eats all our money but he's worth it!

Cinny91

It’s been so long since I logged in I’d forgotten my password.

Where did we all vanish to? Where is everyone?

Thinking of this thread yesterday as we had to unexpectedly scrap and replace my car and our debt is astronomical 😭 we’re cracking down now and I wondered if anyone was still posting!

clearmydebts

Hi Cinny!

I'm still around but haven't been posting. My debt is astronomical too and I need to make some changes. Would love to hear from the others

Cinny91

Hope you and your family are well CMD

Our new loan is at 20k. Two new (well, to us) cars, a broken fridge and just generally being a little lazy with things has worn us in. I'm thinking of starting a diary, I'm tired of being in the same darn cycle!

Buffythedebtslayer

I didn't used post often (no kids or creativity!) but I loved reading about all your successes and ideas. you were all so resilient and inspiring. Brilliant to read about Kavics XX

I hope everyone is doing well and you all come back and post.