New me New start, Pania's positive Progress!

redsquirrel80

:T:T:T That's brilliant- good work!!

Tipsy, moi? Tiny bit! Had a great afternoon ta Home now with sneaky takeaway and maybe just one more likkle glass of wine...

pania

Debt currently £26618.51!!!!:o (thats a bit better)
1) £14705.72 2) £4132 3) £1160.30 4) £2308.71 5)£1289..25 6) £1623.53 7)£1399
Panias 15k by dec 08. £2046.43, 12953 to go

promise i've not gone mad, posting this for a reason.....

pania

Target for march

1) contractual payment for debt 1 = £100, overpay by £5.72 to bring to a round number
2) Wooo debt 2 dropping into the next thousand!!! yay!!!
3) contractual payment for debt 3 = £40 overpay by £21.30 to bring down to £1099... then tackle with ebay and amazon over next month to get below £1000!!!!
4) contractual payment on debt 4 = £35 overpay by £3.71 to round off... may sound silly but will look better...droping into next hundred but is only weeeny debt still over the 2k mark. grrrr....
5) contractual payment on debt 5 = £26 , overpay by 3.25 to round off.
6) contractual payment on debt 6 = £126 already overpaying by £19 per month
7) contractual payment on debt 7 = £50, overpay by £9 to get rid of odd £9 on the end.

total sum of overpayments needing to be made... (excluding welcome) £42.98.

£20 budgetted for need to raise additional £22.98 from somewhere.......

Do I not save as much this month to make up for it or do I save and try to find it from elsewhere? so desperate to get atleast 1 debt below the £1000 mark... hmmmm...

Karmacat

Wow. Thats one of the most detailed plans I've ever seen! Pania, it looks brill, hope it all works out.

redsquirrel80

That's what you call planning!!

I'm sure you can make £22.98 from somewhere

pania

Hi guys, thanks for saying I'm detailed and planning... trust me i am the most disorganised scattiest person going in real life. I need things to be down in black and white else i'm daaaaaw what was my name, where was i going what was I doing!!!! with money though i seem to be getting scarily methodical. down to the last penny sometimes!!!!

I think I have a solution....

I am going to have approx £35 left over at the end of the month from this months stuff. was going to transfer that over to my other savings as i know that march's pay is going to be abysmal. However I think I should be able to survive on what I have saved already and as such can use this to overpay as above. may even be able to use the surplus also off the nationwide card to get it nearer to that tantalising £999 mark!!!

how was the head this morning squirrel? glad you had a good weekend. All prepared for tomorrow?

In_Search_Of_Me

Afternoon! Yup that is detailed!! Never could get spreadsheets myself & resort to a nice ledger that I write in!! Payday on Weds....ooo getting CC to under 1000 now that would be nice!! ANy running today?

pania

Hiya ISOM how you feeling hon? back any better? hope so!! had to admit i winced when i read about the gooey stuff coming out!!!!

Off running this avo, got a sign up at 1830 so i'm going to pop to the gym about 1630, have a run, then a shower then go see my client all fresh smelling and exercised!!!:D :rolleyes:

I'm with you in the "I Can't do spreadsheets" club!!! :rolleyes: the bloomin things baffle me, I'm a see it write it learn it person to so writing things down as opposed to typing really fixes it in my mind. just a shame my handwriting is like a spider crawling across a page!!!:rotfl:

Gotta wait til monday for payday.... Lucky you having it on weds!!!!

Yep would be lovely to get atleast one debt below the dreaded £1000 mark, will feel tackleable then:rotfl: :rotfl: :rotfl: (don't you just love creating new words!!!!!):rotfl: :rotfl: :rotfl:

Hope you have a really good day today and mange to get out for some exercise soon. xxx

redsquirrel80

Head's fine, ta! Really struggled to get up this morning though, between the frostiness and knowing I was coming in here to do nothing :rolleyes: Have done quite a lot of preparation, got some good (I think) answers ready for questions I think they'll probably ask. Just need to do a bit more reading over what the dept does etc.. and then cross my fingers/ toes/ eyes/ ears... :rotfl:

redsquirrel80

ps I love spreadsheets.. I'm weird