New me New start, Pania's positive Progress!

ampersand

pania wrote: »

[maud] I feel that much of the world's sorrow comes from people who are *this*,
I]she points to a daisy[/I
[maud] yet allow themselves be treated as *that*.
[she gestures to a field of daisies

oh so very true.....


Thanks ampersand thats made me smile. xxx

###############
....and those daisies are in a miltary cemetery, remember!

Bon, je suis Maude, including - sans doute - the bits the priest reacts to with horror:rolleyes: .
I think, therefore I am MAUDE may be my signature now.

pania

wrist duly slapped, green light to blue.... NOW!

In_Search_Of_Me

Afternoon! Ahh travells in cars! Now I travel quite a bit and have been known to have something of a shop in the boot! Cereal bars are great as are cans of tesco red bull but being sensible the best option is often just bottles of water! Boring yes but cal free and does the job with dehydration nicely plus helps with drinking enough water in the day! Not drinking enough (water not wine & red bull lol!) can make you feel quite crappy but I still never quite manage enough!
Anyway...good that there are twinklings of light in the Oh land but these things are all in your time! I would echo what the others said but a hug for you - its not always easy to muster the strength when you feel battered...Hope the visit was good. What is happening with hispotal appointment? Are you managing not to run reanwhile?
LOL re the harness!! Tempted to google just to see what you refer to but I am an innocent creature & suspect I may also be shocked!! Good that piggy being fed! Mine is just about to start again having pasted the hole up and redecorated!

In_Search_Of_Me

lol re my typos!! Left em in but boy are they bad!! Wonder if its the drugs?!!

pania

Hello everyone!! hello ISOM!!! LOL at the typo's don't worry i'm just as bad!!

Well today is turning into a good day. I have been into town and paid off my Welcome finance loan with my cheque, and they gave me 56p discount to as i didn't have the cash on me love their genorous little hearts:rolleyes: so although i now have to pay said family member back it feels good not to be paying the bug gers mahoosive 59% apr anymore!!!

I have also just spoken re the buy out on my mobile and is £20 lower than i anticipated so i may well transfer another £20 over to the mum account just so as i'm not tempted to spend it instead!!! I need to be careful as i have gone savealoony this last week and am in danger of leaving myself incredibly tight by saving too much!!! battening down the hatches for a rainy day i think is the terminology!!!:rotfl:

So i one fell swoop i have managed to lower my outgoings by £87!!!!:T :T

(or another way to look at it i've freed up another £87 to pay off my debt each month! YAHOOOOOO!!!!:D ) I have to admit i'm really not that fond of this save it up then pay it off lark, I'm the sort of person that needs to see results to remain motivated and not seeing my totals falling is depressing to the extreme!! Yes I am saving but i want to see my debt coming down!!!
(does that make sense?)

OK, so re work, new contracts come into effect on 7th april (:j )

to work out how much i am likely to be paid at the end of april i have....
Taken my current net basic salary, divided by 31 (days btwn 25/3 and 25/4) and then multiplied by 14 = £526.58

then
Taken my new net basic salary without car allowance and done the same but multiplied by 19 (days between 7/4 and 25/4)= £758.77

then
done the same with net car allowance = £184.79

total pay for april minus any commissions or mileage = £1470.14

Are any of you guys good with figures and can check that my logic is right on that?

pania

Oh and PS, we also get COMPANY MOBI'S!!!!!! :j :j :j :j

which will save me on average £50 per month off the £90 i am paying at the moment..:D

So there goes more money!!!!!

To tell you the truth it is less pressure re the monthly outgoings, as yes i do have a shortfall each month between my BASIC and my outgoings... so the pressure is there to earn the commission and cover it and months like next month HURT!!!:eek: so lowering the outgoings while still meeting my contractual payments takes the pressure off much much more. it then leaves me additional funds to overpay when i have them or not, which ever is the option available at the time.

right, nuff rambling,. on with the work young lady!!!!;)

redsquirrel80

pania wrote: »

Hello everyone!! hello ISOM!!! LOL at the typo's don't worry i'm just as bad!!

Well today is turning into a good day. I have been into town and paid off my Welcome finance loan with my cheque, and they gave me 56p discount to as i didn't have the cash on me love their genorous little hearts:rolleyes: so although i now have to pay said family member back it feels good not to be paying the bug gers mahoosive 59% apr anymore!!!

I have also just spoken re the buy out on my mobile and is £20 lower than i anticipated so i may well transfer another £20 over to the mum account just so as i'm not tempted to spend it instead!!! I need to be careful as i have gone savealoony this last week and am in danger of leaving myself incredibly tight by saving too much!!! battening down the hatches for a rainy day i think is the terminology!!!:rotfl:

So i one fell swoop i have managed to lower my outgoings by £87!!!!:T :T

(or another way to look at it i've freed up another £87 to pay off my debt each month! YAHOOOOOO!!!!:D ) I have to admit i'm really not that fond of this save it up then pay it off lark, I'm the sort of person that needs to see results to remain motivated and not seeing my totals falling is depressing to the extreme!! Yes I am saving but i want to see my debt coming down!!!
(does that make sense?)

OK, so re work, new contracts come into effect on 7th april (:j )

to work out how much i am likely to be paid at the end of april i have....
Taken my current net basic salary, divided by 31 (days btwn 25/3 and 25/4) and then multiplied by 14 = £526.58

then
Taken my new net basic salary without car allowance and done the same but multiplied by 19 (days between 7/4 and 25/4)= £758.77

then
done the same with net car allowance = £184.79

total pay for april minus any commissions or mileage = £1470.14

Are any of you guys good with figures and can check that my logic is right on that?

Seems logical to me (though I won't claim to be 'good' with figures), maybe slightly different with new tax and NI levels - shouldn't be far off though! Sounds like the changes at work are definitely working out in your favour, so pleased for you! :j

pania

thanks squirrel, i know i should know this but when do the new taxlevels come in? is NI changing also? god i should SOOOO know this!!!!

Jelly_Babies

No idea about NI but wanted to say wooohoooo - congratulations on a step in the right direction :j :T

redsquirrel80

pania wrote: »

thanks squirrel, i know i should know this but when do the new taxlevels come in? is NI changing also? god i should SOOOO know this!!!!

April I think


ps PM MEEEEEE Er, whenever you're ready of course