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  • FIRST POST
    • sashybo
    • By sashybo 2nd Jan 17, 10:55 PM
    • 2,315Posts
    • 17,953Thanks
    sashybo
    Sashybo - Back Again
    • #1
    • 2nd Jan 17, 10:55 PM
    Sashybo - Back Again 2nd Jan 17 at 10:55 PM
    Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE.

    Current debt now under 10K. This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago.

    I must admit we have slipped occasionally and had to do a couple of BT's etc as got into a bit more debt when we bought a new house & wanted shiny new things to go in it.

    Overall, things are headed in the right direction but now we have a new challenge as DH & I are expecting a baby in May.

    I only get 3 months full pay then 3 months half pay on maternity leave in my job & won't be able to go back full time as we both do shift work and there's no way to work childcare around the shifts we do (7 days in a row & many unsociable hours to boot). So we'll have to reduce the spending & batter the debt as will have a smaller income.

    So I've come crawling back - I find having a diary here does help to keep me focused and stop so much silly spending.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8204 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
Page 10
    • sashybo
    • By sashybo 12th Mar 17, 12:20 PM
    • 2,315 Posts
    • 17,953 Thanks
    sashybo
    DH is on his way home after weekend away down south & he is going to make me dinner when he gets back.

    He's just phoned & told me he's invited our friends over for late lunch/early dinner. I'm not dressed, still need to go on the cross-trainer, I've not had a shower & the house is a mess! Why do men never think things through. At least he's doing the cooking - I'm not getting involved.

    It's actually our friends who are giving us the cotbed, so we probably do at least owe them dinner. However they were only meant to be dropping off the cotbed before DH's bright idea.

    Stuck ingredients in the breadmaker before I went to bed last night so nice fresh bread was ready this morning. Only problem with that is that I need to have a slice of it with jam now. The cats are harrassing me as they want a bit too. Who knew cats liked bread? Mine do anyway, you'd think we never fed them.

    Can't remember if I mentioned that our oldest cat (nearly 9) has really stinky breath so think his teeth need cleaned. We have a separate savings account that we put money into every month for the cats, so hopefully that will pay any vet bills.

    He had a scale & polish about 2 years ago now so probably due another, he has really bad teeth & gums but seems to be a breed thing (he's Siamese). He has dental biscuits every morning, Plaque off powder over his wet food & cat toothpaste every night but doesn't really seem to help. The 2 younger cats are different breeds & their teeth are sparkly & white from all the dental products.

    Paid another £100 off loan no1 as DH reminded me we don't have council tax payment this month (how did I forget that? ). We'll have enough to pay £100 off loan no2 as well which is great.

    Right better go soon as need to go on the cross trainer before having a shower and trying to get organised before the unexpected visitors arrive.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8204 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • Bobarella
    • By Bobarella 12th Mar 17, 11:54 PM
    • 10,623 Posts
    • 68,502 Thanks
    Bobarella
    Ugh that would have annoyed me too!! Was it fun in the end?

    Ick to stinky cat breath, not what you need in your condition
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 13th Mar 17, 9:39 PM
    • 2,315 Posts
    • 17,953 Thanks
    sashybo
    Hi Bob, yes it was good to see them all, although tiring as they have a 3 yo & a 5yo.

    It was of course the 2 husbands who decided this between them. The other wife messaged me to make sure I knew what the 2 men had decided was going to happen to make sure it was ok with me. So she understood as well.

    They brought over the cot bed & a baby monitor with a sensor mat for the cot as well & wouldn't take anything for either which was lovely of them. They said they were just happy the stuff was going to be used.

    Yes yuck to stinky cat breath, doesn't help that he always wants to sit with me. Poor boy, it's not his fault, fingers crossed it's nothing serious.

    Got £75 of survey money through today so paid £50 off loan no1 & used £25 towards the clothes I had bought last week.

    Went out today with DH to run a few errands as had to feed my mum's cats & let them out for the day as well. We took some stuff to the tip for my mum as she doesn't drive.

    Got some herbs from B&Q - planted the chives & thyme together and will get some rosemary & oregano to go next to them in the planter. Put the mint & lemonbalm in their own pots as apparently they are very invasive & take over if planted with other herbs.

    We also planted our Arran pilot seed potatoes & some chantenay carrots in containers so will see how they go. Have 3 tomato seedlings growing & quite a few of the chilli seeds have germinated too.

    Went back to my mum's & let the cats in for the night and fed them. Back home for dinner & relaxing on the couch.

    Tomorrow is an early start as DH managed to kerb his car at 25mph the other day. Tracking has gone a bit wonky so he has to take it to the garage to get checked. Hopefully it's nothing too bad. I have a Dr's appt to get iron tablets & later we need to take the cat to the vets. Also need to go and see to my mum's cats in between.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8204 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • boxofpaws
    • By boxofpaws 13th Mar 17, 10:14 PM
    • 352 Posts
    • 1,444 Thanks
    boxofpaws
    Urgh, stinky cat breath, nothing worse. Actually, that's a lie. Weeding and digging around in the flower bed that turns out to be your cats' outdoor litter tray is worse. Still at least it's in my garden and not my poor next door neighbour's.

    £75 survey money is quite something, well done! And well done for not flipping out at the husband for your unexpected visitors.

    Lovely if them to give you the baby stuff
    Debt 03/01/17 = £42000
    Debt today = £36933
    • Bobarella
    • By Bobarella 13th Mar 17, 10:39 PM
    • 10,623 Posts
    • 68,502 Thanks
    Bobarella
    Nice on the £75 survey money, that's a nice chunk to have
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • Treadingonplaymobil
    • By Treadingonplaymobil 14th Mar 17, 4:56 AM
    • 662 Posts
    • 5,413 Thanks
    Treadingonplaymobil
    £75 of survey money is amazing! Well done.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 6th June 17/DFD: £56,025.55/1st March 2025
    • sashybo
    • By sashybo 14th Mar 17, 5:01 PM
    • 2,315 Posts
    • 17,953 Thanks
    sashybo
    Thanks all, have had a few survey sites all come to payout at once which is quite nice. Got another £8 through today so that has been paid off loan no1 and waiting on another £20 coming in.

    Paws, I won't lie, I strongly considered flipping out but managed to control myself (for once). Our front garden seems to be the place where the foxes like to poo.

    Cat taken to the vets and they were a bit concerned about his big weight loss since last visit for a scale & polish. We were told he was too fat so reduced his food but he has got a bit skinnier than we realised. He had bloods taken (which cost £123 this can be paid with the savings we put aside each month for the cat's vet visits though) to check for any problems but they phoned not long ago to say all looked ok, thankfully. DH was convinced the cat had kidney problems and was going to die.

    They still want the cat to put on some weight as want to do a scale & polish on his teeth and aren't happy about putting him under anaesthetic until he's heavier. So have to feed him more, he's very greedy so will be happy about that.

    DH took his car to the garage and wheel looks ok but he needs to get a tyre place to check the tracking & replace the front tyre (he knew the tyre was low on tread anyway). The mechanic we went to didn't charge for the time he took to look at it either as he said there was nothing wrong so no need to pay. Will go back to him then.

    As our energy deal is coming to an end we went and did some price comparisons and have managed to get a 1 year fix paying £20 less a month for gas & electricity.

    Also did my car insurance, got it £6 p/m cheaper than renewal quote & with £45 cashback.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8204 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • Bobarella
    • By Bobarella 15th Mar 17, 12:52 AM
    • 10,623 Posts
    • 68,502 Thanks
    Bobarella
    Glad that your Cat is ok. Expensive for the bloods to be taken though!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • Scott_Weiland
    • By Scott_Weiland 15th Mar 17, 4:45 AM
    • 285 Posts
    • 552 Thanks
    Scott_Weiland
    Hi Scott, the bigger payments I'm waiting on atm are from Globaltestmarket & My Survey UK and the smaller ones are p!necone & 0pinion Outpost.
    Originally posted by sashybo

    If your becoming a money hungry survey addict like myself who has earned the below since 01/01/2017

    2017 :-)

    Top cashback earnings: £8.32

    6/6/17 £0.46
    16/01/2017 £2.69
    25/01/2017 £0.82
    16/2/2017 44p
    19/2/17 96p
    28-2-17 55p
    08/03/17 £2.40



    Survey earnings: £233.50

    4/1/17 £2.50 opinion outpost
    11/1/17 £40 one poll.com
    11/1/17 £2.50 O.P.
    13/1/17 £16 mingle respondi
    14/01/17 £50 cheque populuslive.com cheque is waiting to clear
    23/01/17 £2.50 opinion outpost
    2/2/17. £5.00. Opinion outpost
    17/2/17 £50 you gov
    19/2/17 £25 opinium
    3/3/17 £7.50 Opinion Outpost
    15/03/2017 global test market £30
    15th march £2.50 opinion outpost

    Total £241.82


    Try these couple of surveys sites

    powerofopinions.co.uk

    opinium research.com

    mingle respondi.co.uk

    i do loads as you will see.
    Last edited by Scott_Weiland; 15-03-2017 at 5:03 AM.
    Debts 16349.33
    • sashybo
    • By sashybo 15th Mar 17, 12:12 PM
    • 2,315 Posts
    • 17,953 Thanks
    sashybo
    Thanks Bob, it was a relief there's nothing else going on with the cat - as far as they can tell anyway. We lost a previous Oriental to kidney failure so DH was thinking the worst. Think £30 of the £123 was the consultation fee so £90-odd for the bloods, could have been worse.

    Cat is very happy with his increase in food but think it has upset his stomach a bit. Not pleasant when you have an indoor cat & litter trays.

    Thanks Scott, will have a look at the other sites if I have time. Trying to get balances up before the baby arrives and get payouts.

    Back to work today for 7 late shifts, not looking forward to it. Need to go to my mum's on the way to work to feed her cats and let them out, then go on the way back to let them back in. She's back tomorrow so hopefully I'll only need to drop in on the way to work then.

    Got my iron tablets from the Dr yesterday - he said it tells you to take 3 a day on the packet but my iron levels weren't that bad so just to take 1 as they can upset your stomach/cause constipation etc.

    Have done a bit of general tidying/cleaning this morning but not too much. Will need to go and get ready for work soon.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8204 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • Bobarella
    • By Bobarella 15th Mar 17, 10:33 PM
    • 10,623 Posts
    • 68,502 Thanks
    Bobarella
    Yep can vouch for the fact iron tablets do that it's a glamorous life being pregnant
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 16th Mar 17, 12:22 PM
    • 2,315 Posts
    • 17,953 Thanks
    sashybo
    Yes very glamourous Bob. Went to Boots yesterday to stock up on maternity pads as they have a 3 for 2 offer on and had a voucher for a free box of breast pads.

    Re-arranged the labour & birth ante-natal classes I had been given dates for as both DH & I were working. Now have dates on our weekends off, so will go and see what they're like.

    Finally managed to get bigger sizes in uniform blouses so washed them last night & ironed this morning. Unfortunately need to wear one of the horrible smock-like maternity blouses today as the bigger sized normal ones aren't quite dry.

    Have also hung up a washing that DH put on but no other housework really. Could really do with washing my hair but no time so dry shampoo & tied back it is.

    Quickly doing some 0nepoll surveys then need to go and get ready for work. Also need to drop into my mum's to feed her cats, doubt they'll want out as the rain is bucketing down.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8204 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • Bobarella
    • By Bobarella 16th Mar 17, 11:20 PM
    • 10,623 Posts
    • 68,502 Thanks
    Bobarella
    The only great thing i found was my nails were fab with both pregnancies. Made up for other ailments. With my DS I had hideous indigestion. Lived on gavascon!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 17th Mar 17, 11:39 AM
    • 2,315 Posts
    • 17,953 Thanks
    sashybo
    Bob, my sister just walked around clutching a giant bottle of gavascon towards the end when she was pregnant with her second boy. Thankfully I've not had heartburn too badly yet.

    Got the other £20 survey money through that I was waiting for, so paid £10 off loan no1 and used £10 towards some pretty mugs from Habitat as they were doing 25% off everything yesterday.

    Also bought a couple of nighties yesterday before work as my usual sized ones are too small/not long enough due to the baby bump now.

    DH has some kind of man-cold so is moaning about not feeling well - he'd better not pass it on to me as have managed to avoid the plague like cold/flu going round my office so far.

    Up to £14.10 on 0nepoll which is quite good. Will try and get some other surveys done later.

    Need to do my 15 mins on the cross trainer then have a shower and get ready for work.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8204 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • sashybo
    • By sashybo 18th Mar 17, 11:48 AM
    • 2,315 Posts
    • 17,953 Thanks
    sashybo
    Having a lazy morning before work, feeling very tired today - 4 more shifts to go until 2 days off. Even DH said I looked tired this morning, will try & get to bed earlier tonight after work.

    No real news, managed the cross trainer yesterday & did feel better for it.

    The men in my work are alternating between "You shouldn't do that in your condition" and "You're only pregnant, not ill" I tend to ignore whatever they say anyway as it changes depending on what we're talking about. They all think they're experts on pregnancy.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8204 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • Bobarella
    • By Bobarella 18th Mar 17, 6:44 PM
    • 10,623 Posts
    • 68,502 Thanks
    Bobarella
    Oh your poor sister. It is so unpleasant.

    Are you getting lots of people casting their vote on what colour you are sporting?
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 19th Mar 17, 10:53 AM
    • 2,315 Posts
    • 17,953 Thanks
    sashybo
    To be honest Bob I've only had a few people say which sex they think the baby is - pretty much 50/50 at the moment. My sister is convinced I'm having a boy, that was my first instinct too but it doesn't matter either way. I think DH would like a girl but don't think he really minds.

    Heartburn/acid reflux is something that runs in my family anyway so I've always had it but generally depends on what I've eaten. I expect to get bad heartburn towards the end of the pregnancy but hoping not.

    Have been trying to collect all my recipes together so they're all in one place to make it easier to menu plan. Will take a few of the scattered notebooks I have with recipes written in to work today & put them all in one book (as long as work is quiet obviously ). Have been moving all my electronic recipes into evernote & separating them into general notes I.e. pasta recipes, soups etc. Will then be able to make a general list of dinners we can make & use this as a guideline to decide which dinners to make each week.

    Got more work shirts to iron today so will do that shortly. DH off work today so hopefully he'll get a bit of housework done & maybe start on the nursery.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8204 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • boxofpaws
    • By boxofpaws 19th Mar 17, 10:36 PM
    • 352 Posts
    • 1,444 Thanks
    boxofpaws
    I REALLY need to do the recipe book thing. What I used to do is find a new meal idea that we both liked and then COOK IT RELENTLESSLY until we were both sick of it, and then have to find a new thing to cook relentlessly. I am a bit better these days but I have a core repertoire of about 10 meals that we have over and over again. I love cooking too so i really should broaden my horizons.
    Debt 03/01/17 = £42000
    Debt today = £36933
    • sashybo
    • By sashybo 20th Mar 17, 12:47 PM
    • 2,315 Posts
    • 17,953 Thanks
    sashybo
    Paws, I know what you mean, we always end up cooking the same things & forgetting other things we like. I also save recipes online thinking "Oh that looks nice" and then never get round to trying them.

    So managed to move all written recipes from scattered notebooks into two notebooks (one savoury, one sweet) and have my electonic recipes saved as notes in appropriate categories. Have also made up two general lists in word for dinners & desserts that have both written & electronic recipes listed on it so we can have a quick look at it and see what we fancy. I think I need a list for sides as well so we can try different things.

    Now need to have a quick look through my cookbooks in the house at some point and put any of those recipes I want to try on the list (and move into notebook). Will try menu planning before our next big weekly shop and see how we get on.

    Had my check up with the midwife today and all is well, bump growing as expected and baby kicked the midwife again, wee rascal. Back to see her in 3 weeks for another check up & to have more blood taken. She wants me to try taking 2 iron tablets a day and see how I get on as she said my levels will keep dropping from now on. Not looking forward to the side effects of more iron tablets.

    DH has given into his man cold and phoned in sick. He's getting no sympathy from me - I'd better not catch whatever he's got.

    0nepoll up to £14.50 and have done a couple of short surveys today. Need to get ready for work soon, looking forward to my days off.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8204 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • Bobarella
    • By Bobarella 20th Mar 17, 2:19 PM
    • 10,623 Posts
    • 68,502 Thanks
    Bobarella
    I have to say I am very much team wait and see where babies are concerned. It was the most amazing thing each time to find out at the birth, and I was surprised both times!

    I really don't understand the arguement for needing to know in advance. But that's just me.

    Hope you don't get the heart burn. And hope DH gets better soon
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £54.82 2016-£62.28 2015- £84.20)
    RYSAW17 £1855 2016 £2,535.16 2015 £1027.20
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