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Thistle grasps the nettle (again)!!
Comments
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Afternoon.
Yesterday's spa was just lovely and I sat in the steam room for 30 minutes which really helped my sinuses. I managed the whole experience for £20.95 which I shall deduct from the extra money I'm earning doing group cover on Saturday.
Wednesday is my long day doing 4 sessions. My numbers were the highest they've ever been since I launched this morning group at end of May so that's looking very promising. I still need 29 more members to achieve my goal for this group of 75.
This evening's group is my big triple session group. Looking forward to seeing all my members. They're losing weight really well.
A guy in my Monday group lost 17lb in his first week so he was chuffed.
Money news:
BC have now resolved their computer glitch so my card takings from Thursday & Saturday have finally hit my business bank account, making everything look a bit more healthy.
Paid across the £30 to M B N A CC yesterday and that has cleared. Now down to a balance of £4370. The min payment plus the standing order have still to go out this month. That'll be a further £115 reduction. All other CCs now sitting at £0 except S123 which gets paid off every month anyway. I use it for the cashback. YNAB keeps me on plan with this - no extra debt created.
Happy Wednesday y'all!
T:)Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Sounds very positive Thistle x0
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Yesterday was a whirlwind of stuff to do so I never even got to fire up my computer once, hence no daily update!
My SW week is complete although I am covering for a colleague tomorrow (another £60 for the debt pot, well £40 because I went to the spa on Tuesday didn't I.....)
My lovely grandfather clock (named Horace after my Grandfather!) has just struck 10.00 so I'm a bit behind but I've started my To Do list of jobs for today. I don't need to go out until 8pm (to set up the venue for tomorrow's group to avoid a 6am get up!!) so I'm pottering around doing jobs.
Financials:
Working out what my groups have earned this week so I know how much I can draw down from my business account for the week. I take each group's earnings and round down to the next £50 so there's always a little surplus building up for August and December when members drift away from attending and my earnings drop.
Then once I know, I'll transfer to my S123 a/c and use YNAB to allocate the money to categories for the next 7 days.
Then I'll do a bank rec to see what D/Ds have dropped out of the bank and bring everything up to date.
That's all for now......:TMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Ps.....
Groups this week have contributed a further 9 x £2 coins for the holiday pig. I'm hoping when I count it all up on 30 September 2018 that it's hit at least £1,000 since 1 October 2017
Days to the big £2 Holiday Pig Reveal: 16Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
To Do List: 14 September 2018
- Franchise Account for Wednesday's PM Group
- Franchise Account for Thursday's PM Group
- [STRIKE]Count stock of bars and books[/STRIKE]
- Order replacement stock
- Go through member Food Diaries and feedback via text
- Member support
- record franchise details onto Xero Accounting System
- Continue getting purchase ledger on Xero up to date for y/e 31 March 2018
- Prepare Treasurer's report for committee meeting tomorrow
- [STRIKE]Decide whether I wish to carry on as Treasurer![/STRIKE]
- Prepare dinner - Turkey mince bolognese
- Put a washing load on (although might wait til Monday when the sun is due to appear again to dry on line!)
- Tidy kitchen and [STRIKE]put dishwasher on new cycle[/STRIKE]
- Carry all the crap that is currently in the sitting room up the spare bedroom for sorting out later on.
- Recycle cardboard and paper into commercial wheelie bin for collection next Thursday
- Wash out domestic recycling wheelie bin with bleach.
- Mop kitchen floor and wipe down cupboards and stove top
- Shine my kitchen sink
- Change bed and vaccuum
Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Morning all,
Feeling a whole lot better today after finally getting shot of this terrible malaise that's been weighing heavy on my shoulders for two weeks. I can breathe again and I am headache free - feels great!!
Covering for 2 colleagues this week so doing 15 sessions altogether so it's going to be a marathon week. It will however, give me a massive debt-busting boost so it's worth giving up 2 of my days off for that.
Bought a few whoopsied products for next couple of meals, but have decided to shop everyday for exactly what I need. I'm in the supermarket daily anyway buying raffle prizes for group so it'll save me a load of money as I do waste food terribly. Not on purpose but you know how it is - you buy it, then something happens and it never gets eaten, or you don't fancy it. Being ill hasn't helped though.
Feeling fresh for Monday and only 3 weeks to Rome holiday now so it's all becoming real.
Catch you later....
Thistle:)Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Ps
Personal Trainer cancelled my session this morning which saved me paying his fee.
I'll keep that for next Monday's session.
T:)Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Afternoon all,
Many bargains obtained in the house of Morris's son this lunchtime - they'd clearly been very energetic with their whoopsing gun! Managed to get vine tomatoes, asparagus, mushrooms, pakchoi, sweet peppers, baby potatoes, red grapes, parsnips and fennel for less that £5. Bought 2kg of chicken breast for £10 - 7 massive chicken bosoms which will feed me for yonks!! Will freeze them individually later.
Money news - earned extra funds for debt-busting after covering for a colleague all day on Tuesday - 16 hour day but lucrative. £20 put aside for spa (my little treat) and the rest can go to the M B N A card.
Added a further £50 of £2 coins to my Rome fund this morning. I can hardly lift the piggy bank now. Cashing in on 30 September. Can't wait to see how much is in there after 365 days of £2 saving.
M B N A direct debit has gone out to cover the minimum payment and the standing order for £65 will go out tomorrow. Hopefully that'll bring the debt busting on this card to =£200 in September.
Another group to cover on Saturday too.
I need to purchase a base for a king size bed as I want to move into my back room as it's darker and quieter and has a lovely view across the fields. It's south facing so I can lie in bed and watch the moon which I love to do. The moonlight licks out all the silver in the wallpaper, It's very relaxing. Been quoted £179 which I don't think is too bad. Did go round the chazzer shops but the beds were so grotty, they almost had a nerve trying to sell them I thought. Yeugh!!
Group tonight then a day working from home tomorrow. Nice!
Thistle:)Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0
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