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    • cazmanian_minx
    • By cazmanian_minx 29th Jun 12, 2:38 PM
    • 4,011Posts
    • 18,472Thanks
    cazmanian_minx
    Caz counts it down
    • #1
    • 29th Jun 12, 2:38 PM
    Caz counts it down 29th Jun 12 at 2:38 PM
    Hi everyone, I hope you don't mind me joining in here - I've been lurking for a while, but it's reached the point where I need to 'fess up to owing rather more money than is comfortable and actually doing something about it.

    I'll be 37 in eight and a half weeks and I live on the north coast of Scotland with Mr Minx, one horse and one pony, one of which only arrived a fortnight ago (yes, I know...he was a gift and they're kept at home, which makes them far cheaper to run than children!). I'd like to get this sorted out by the time I'm 40 which gives me 1,149 days to Do Something.

    Because of my location (slap bang in the middle of nowhere - it's a 52 mile round trip to the nearest small town and a 220-mile round trip to the nearest place with 'normal' high-street shops), things like mystery shopping and extra part time jobs aren't an option. I'm self employed, working from home selling beads and jewellery-making findings over the internet and as a sole trader my business's debts are also my debts, so I need to get both paid off.

    At its worst, back in March this year, my total business and personal debts stood at £27,560.88. Today I'm down to £21,710.37, broken down as follows:

    Business
    Overdraft: -£1910.01 (6.5%)
    Barclaycard: -£8999.00 (20.9%)

    Business total: -£10,909.01

    Personal
    Overdraft: -£3620.69 (19.9%)
    Tesco card: -£1608.91 (part at 15.9%, part at 17.1%)
    Egg card: -£3521.76 (16.9%)
    Dental loan: -£1250.00 (0% - yes, really)
    Post Office card: -£800.00 (18.9%)

    Personal total: -£10,801.36

    Grand total: -£21,710.37

    So I need to pay off £18.90 a day to meet my challenge BEFORE thinking about the added interest. It's not going to be easy...
Page 144
    • brizzledfw
    • By brizzledfw 25th Sep 16, 9:11 AM
    • 7,090 Posts
    • 34,274 Thanks
    brizzledfw
    All sounding super busy and very productive. Good idea to drip feed into a saving/investment account too..

    Xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 67/100 ** LSDs Target 5 for September 02/05 **AFDs 11/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • cazmanian_minx
    • By cazmanian_minx 2nd Oct 16, 12:38 PM
    • 4,011 Posts
    • 18,472 Thanks
    cazmanian_minx
    Back from holiday (which was amazing) to a revised council tax bill - I don't have to pay the 200% charge, thank you Highland Council

    Thursday and Friday seemed to go by in a blur of catching up, but life is more or less back to normal, other than an enormous pile of laundry and the 9-week-old Border Collie puppy asleep on my lap He arrived yesterday and is unbelievably cute. House training going well so far, only two accidents and both of those were my fault for not spotting the signs quickly enough - given that, as a working dog puppy, he's not been living in a house, I'm over the moon with him on that front. No problems with our other dog either, though she gave him a proper telling off for trying to pinch her breakfast this morning (they're fed at opposite ends of the kitchen) and he went yelping into his crate and refused to come out for 10 minutes, but they're fine again now.



    This morning I had a driving lesson and both my vehicle and the village survived! Feeling like the luckiest crofter in the Highlands right now

    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
    • Knit Witch
    • By Knit Witch 2nd Oct 16, 1:22 PM
    • 3,060 Posts
    • 28,224 Thanks
    Knit Witch
    so cute! is he going to be a working dog?
    OS Weight Loss 1/10
    • milasavesmoney
    • By milasavesmoney 2nd Oct 16, 6:28 PM
    • 1,608 Posts
    • 14,368 Thanks
    milasavesmoney
    Beautiful baby and shiny red tractor! Life is good in the Highlands!
    What have you named them?
    Who said it was easy. [Coldplay]
    • JustAboutThere
    • By JustAboutThere 3rd Oct 16, 9:56 AM
    • 507 Posts
    • 2,150 Thanks
    JustAboutThere
    One very cute pup and one very snazzy tractor.
    • EssexHebridean
    • By EssexHebridean 5th Oct 16, 12:37 PM
    • 7,778 Posts
    • 40,281 Thanks
    EssexHebridean
    LOVE both the pup and the Fergie! Nice work all round!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • cazmanian_minx
    • By cazmanian_minx 5th Oct 16, 9:40 PM
    • 4,011 Posts
    • 18,472 Thanks
    cazmanian_minx
    so cute! is he going to be a working dog?
    Originally posted by Knit Witch
    Yes, if I don't mess his training up He knows what to do, he's already practising herding me round the garden! I'm hoping a friend's nephew, who is only 16 but doing fantastically well with his dogs, can be persuaded to give me some lessons for cash. His twin sister has a real gift for upcycling furniture as well, so hopefully I can employ her too and we can furnish Ethel's partly from Dingwall furniture auction

    Beautiful baby and shiny red tractor! Life is good in the Highlands!
    What have you named them?
    Originally posted by milasavesmoney
    The puppy is Jack and the tractor doesn't have a name, but is definitely a she!

    I have very nearly made my first £10 from my website! My Google Adsense revenue is now up to £9.92 plus a grand total of 2p earned this month so far. I've got to get to £60 before I can cash out, so it's going to be a while, but hey, double figures is a start. I've also put my first referral link into a post (the blog now has a suitable disclaimer in the sidebar) and am really thinking I should be signing up to an affiliate programme, but probably need to increase my traffic first before it's worth it. I'm wondering about investing in a course, but it's tricky to know which are the good ones and which ones are rip-offs.

    I've been estimated £800 for prepping and painting the house, excluding paint, which I think is fair, given it's five or six days of work, in tricky weather, and involves ladders (which I hate!). I've got to buy the paint, but I've found the shade I want on offer at 2 for £40 (normally £29 each) with free delivery, so 20 cans should be arriving here next Monday (with 3% cashback if it tracks successfully!)

    Invoicing for last month wasn't as bad as I feared - I billed around £650 when I was thinking it was about £400. About to do a bit more work this evening, as I'm up for a bit longer on house-training duty!
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
    • cazmanian_minx
    • By cazmanian_minx 6th Oct 16, 9:06 PM
    • 4,011 Posts
    • 18,472 Thanks
    cazmanian_minx
    I put the mortgage payment up by £10 today (the monthly payment went out yesterday) - thought that since I was doing £10 into Ratesetter, I might as well do the same for the mortgage

    Yesterday's payment took us over £29,000 paid off, which is 20%, and next month's will see us go into the £115,xxx band.
    Save
    Last edited by cazmanian_minx; 06-10-2016 at 9:10 PM.
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
    • EssexHebridean
    • By EssexHebridean 6th Oct 16, 9:22 PM
    • 7,778 Posts
    • 40,281 Thanks
    EssexHebridean
    Well done you - chipping away a little at a time is definitely the way forward with a mortgage - well we found it worked anyway!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • cazmanian_minx
    • By cazmanian_minx 10th Oct 16, 1:50 PM
    • 4,011 Posts
    • 18,472 Thanks
    cazmanian_minx
    Adsense is now over £10 (It's the little things...)

    I've been catching up YNAB and making the card payments due so far this month - now down into the £2,xxx band of the original CC debt and have hit 90% paid off (Well, bar £4, but I'm rounding). There'll be another chunk paid off later in the month when the other two cards generate their statements. Feeling like the end is in sight for this particular chunk of debt.
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
    • milasavesmoney
    • By milasavesmoney 12th Oct 16, 6:26 AM
    • 1,608 Posts
    • 14,368 Thanks
    milasavesmoney
    Wowzer!!! Such a huge accomplishment!!!!!

    How is Jackbaby?
    Who said it was easy. [Coldplay]
    • cazmanian_minx
    • By cazmanian_minx 14th Oct 16, 2:22 PM
    • 4,011 Posts
    • 18,472 Thanks
    cazmanian_minx
    He's currently overtired but refusing to go to sleep, which has resulted in him coming in from the garden, taking a flying leap onto the sofa and then promptly peeing on it. However, he does have his cute moments

    https://www.youtube.com/watch?v=RDag99C6xag

    (He won possession of Ducky in the end!)

    I am ridiculously tired, but have had a fair bit of work on this week, so hopefully good for the finances.
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
    • Knit Witch
    • By Knit Witch 14th Oct 16, 7:50 PM
    • 3,060 Posts
    • 28,224 Thanks
    Knit Witch
    a lot of the time Jura was in the front end down back end up play position
    OS Weight Loss 1/10
    • milasavesmoney
    • By milasavesmoney 15th Oct 16, 7:05 AM
    • 1,608 Posts
    • 14,368 Thanks
    milasavesmoney
    Those two are really cute together.
    Who said it was easy. [Coldplay]
    • JustAboutThere
    • By JustAboutThere 17th Oct 16, 11:12 AM
    • 507 Posts
    • 2,150 Thanks
    JustAboutThere
    If the new puppy is Jack and the tractor is female, then perhaps the tractor needs to be called Jill.
    • cazmanian_minx
    • By cazmanian_minx 21st Oct 16, 12:44 PM
    • 4,011 Posts
    • 18,472 Thanks
    cazmanian_minx
    Obligatory puppy photo - the day we got him versus two and a half weeks later. He's growing fast!



    It has been an extraordinarily expensive week and I don't actually know how much it's going to cost yet, but I needed antibiotic and vitamin injections for two lambs (one of which very sadly didn't make it, but the other has improved massively and is now giving me a merry dance round the vegetable patch each morning when I try and catch her for her jab - last one tomorrow, thank goodness!), Jack had his second vaccinations and then my laptop decided it wasn't going to play sound any more. It had been an intermittent fault for a few weeks which became permanent in the early part of this week, so I suspect a hardware failure somewhere, though I did try re-downloading the latest sound drivers for it.

    All the vet stuff has gone on my account, so I won't know the damage until I get my bill early next month, but I've spent more than I've ever spent in my life on a piece of tech for the laptop. The problem is that most laptop keyboards now are chiclet-style - a bit like calculator keys with space around each key and not much depth when you press them. These make it difficult to touch-type at high speed, so I was looking for a replacement with a proper keyboard and though I'd have happily bought another ThinkPad, the place I bought the current one from didn't have a good enough one in stock and the lead time on a new one for the spec I wanted was 17-19 working days!

    So last night I bit the bullet and bought myself a Microsoft Surface Pro 4, at an eye-watering £960. I'm hoping it will last longer than the two-year average I get out of the reconditioned laptops I've been buying! I was grumbling about it to Mr RPC during our catch-up call this morning and he astonished me by promptly telling me to invoice him for half of it. After triple-checking he was sure, I shall be adding 50% of it to this month's invoice for him and am very, very grateful to him.
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
    • cazmanian_minx
    • By cazmanian_minx 1st Nov 16, 9:43 AM
    • 4,011 Posts
    • 18,472 Thanks
    cazmanian_minx
    It's been a while since I did a monthly scores on the doors and I need to get back into the habit, because my income is slipping. So here's October:

    Mr RPC - £708.20
    NEL - £175.00
    Journalist #4 - £125.25
    Journalist #5 (new client!) - £64.50

    Total - £1072.95

    Bit of a comedown from the £1500-£1800 I was doing regularly earlier in the year, so I need to pull my socks up.

    List of things I want to get done this month:
    1. Clear some bead stock. Doesn't matter if I get below cost price for it, it's at least money in the bank rather than stuff taking up space in the annexe.
    2. Go through my books and DVDs, weed out the ones I don't want, send off the ones that are sellable to webuybooks and donate the rest to Cancer Research.
    3. Complete the decrofting application for Ethel's House.
    4. Find a simple beanie hat knitting pattern, knit a tester in some old wool I have lying around and then spin enough fleece to knit one from my own sheep and see if I'm spinning a smooth enough yarn for it not to fall apart.
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
    • EssexHebridean
    • By EssexHebridean 1st Nov 16, 3:29 PM
    • 7,778 Posts
    • 40,281 Thanks
    EssexHebridean
    Just catching up here - sorry!

    Jack is still utterly gorgeous then! And good news on the laptop - I can't see beyond that giving you decent service. I know exactly what you mean about modern keyboards - I'm dreading my work one going kaput because you can be sure they'll insist on buying me one of the "modern" ones...but I don't want one! I like a nice, positive, clicky, PROPER keyboard!

    Nice list for the month too - I've made a start on sorting DVD's myself but not sure how much more I can do with books - I think I've stripped mine pretty much back to minimums now. I may just have to accept that on that side of things, I'm as decluttered as I'm going to get!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • cazmanian_minx
    • By cazmanian_minx 2nd Nov 16, 4:04 PM
    • 4,011 Posts
    • 18,472 Thanks
    cazmanian_minx
    1,550 Christmas-related resin flatbacks now listed on eBay in packs of 50 Fingers crossed for some sales...I've put them on with best offer available for anyone who wants more than one pack, and I'm offering free postage, so I hope they'll shift. Mr Minx is away tonight, so I'll come back out to the office after I've sorted out the livestock and try and get some more listed. Apparently I'm able to do 100 free listings a day for the whole of November!
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
    • cazmanian_minx
    • By cazmanian_minx 3rd Nov 16, 11:21 AM
    • 4,011 Posts
    • 18,472 Thanks
    cazmanian_minx
    Mr RPC is in meetings all day, so I can have a relatively quiet one, which is good, because I didn't sleep too well last night - my own fault, I was up late trying to cast on 100 stitches on a circular needle using the long tail method and then join them together without twisting them and then knit 2" of rib. Gave up about 11pm after the third attempt when I got to the fourth round of rib and realised I'd managed to add an extra stitch somewhere in the middle! I started again this morning and after a bit of a dodgy start where I only managed to cast on 80 stitches before running out of long tail (fortunately that's the next size down on the pattern), have got four rows of rib knitted without anything going wrong.

    I've also got another four lines of stock listed on eBay - bees, caterpillars, chickens and crocodiles in flatback form - and will try to do the next four later, four little drawer being the maximum I can safely carry down the spiral staircase without risking dropping them everywhere. I'm counting and bagging up as I go now, so when (being positive!) they sell, it's just a case of throwing them in a padded envelope and taking them to the post office.

    Nationwide sent me a letter yesterday offering to nearly double the credit limit on my card. As it's the lowest one of the lot, I've accepted it - I'm not going to use it, but it brings my ratio of amount borrowed to total credit limit down a bit, which is a good thing.
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,836.86 Amount paid off: £7,580.00 (4.22%)
    Sugar days 2017: 17/26 Debt-free: 17/02/2017
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