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Gemmzie's "Finding Some Balance in 2009" Diary

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  • beanielou
    beanielou Posts: 95,401 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news all round Gemmzie :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    Suppose it was about time for an update.

    I've done the yearly budget re-jig ready for September. No more going to the debts for now because we hit a pretty big stumbling block. Dad now has an £800 overdraft :mad:

    But I have a plan to deal with it and I've now given dad £15 a week to have for himself. We can't really afford it but over and above that is being spent currently so it makes sense to budget a fair amount. I just hope he appreciates it and sticks to it!
    No longer using this account for new posts from 2013
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    Okay, new game with the savings, matched bet as much as possible through the new season and increase it. Not going to be easy as I've got to rely on reloads and arbs, but definitely do-able so I'm aiming for nearly doubling but anything is a bonus.

    Starting figure is.... £1700 (this is the amount I can currently get at and use)
    Target: £3k

    I have one offer already, so as of Sat, I'm back in the game :)
    No longer using this account for new posts from 2013
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    Thank gawd for our emergency fund! Just had to buy a new washing machine. Had to pay extra for urgent delivery tomorrow too, but on the plus side it was the cheapest price for it and we've earnt loads of Boots points which will be very useful.
    No longer using this account for new posts from 2013
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    £42.80 made this weekend :T
    No longer using this account for new posts from 2013
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Gemmzie wrote: »
    £42.80 made this weekend :T

    That's a decent amount, gemmz! I think I have made a whole 40p on scratchcards and that is my lot - no dooyoo no m/b no nothing :o:o:o
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    Two bookies hypno! Found one which is new to me which had a refund if you lose, so nice profit from that one :)
    I still haven't got into dooyoo, do you have a referral?
    No longer using this account for new posts from 2013
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    PM me your email addy and I will refer you on dooyoo.......and if you let me know which bookies you have just done, you might inspire me to do some of that too.......:D
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    Right, I need to keep track of what needs to be paid/returned by the end of the year, so diary is where it goes....

    To Be Paid...
    * £3000 - Boiler (September)
    * £1000 - Van repairs (October)
    * £800 - Overdraft (November)
    * £1000 - Mortgage overpayment (December)

    Owed Back...
    * £775 - Car Repairs
    * £300 - Car

    Quite a lot of spending :eek: But it's all budgeted for within the savings, so we should do it with a little bit of breathing space.
    No longer using this account for new posts from 2013
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    Quick update from me as we're slightly changing strategy again.

    We ended up being about £400 short for the boiler due to my brother having to pay back a bit slower (he's moved out).
    So, I could have cleared that with Octobers savings but that would only leave £100 for the oh-**** fund (the slush of the savings money not accounted for).

    So we're sticking £2k of the boiler, another £300 (new fridge-freezer! everything is dying at once) and a bit more (more slush fund) on a 0% card till July 2010. Still have to work out exact figures, but are we being sensible doing this rather than having nothing to fall back on?

    :confused:
    No longer using this account for new posts from 2013
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