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  • FIRST POST
    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Jul 17, 11:47 PM
    • 14,885Posts
    • 47,935Thanks
    Buffythedebtslayer
    Buffy Keeps on the Straight and Narrow
    • #1
    • 25th Jul 17, 11:47 PM
    Buffy Keeps on the Straight and Narrow 25th Jul 17 at 11:47 PM
    Hello,

    I used to post here loads and loads, I have been debt free since 2011 but I am due dental work (yes finally!) and need glasses and work done on the car, the house and the garden so am going to do a 0% balance transfer if I can time everything right and then work very hard on paying it off.

    I do have some savings but they are staying as an emergency fund, I like the security they give me. Plus they may well not be enough. In the back of my mind I think I am due a tax rebate as well, not had time to investigate yet.

    Some things have changed and some things stay the same. As a family we are having a very hard time and that is partly why I am back, I need a reminder not spend all the time and to try to find the cheapest ways to do things. Especially eating.

    Lately I have been buying things from Amazon like it doesn't cost me a thing and do not even get me started on the contactless payment option.....it is really bad!!

    I get paid tomorrow so a little sort out of the budgets and then an investigation of 0% BT offers.

    Love

    Buffy
    Saving all the money.............really I am !
Page 1
    • Scott_Weiland
    • By Scott_Weiland 26th Jul 17, 1:40 AM
    • 616 Posts
    • 1,500 Thanks
    Scott_Weiland
    • #2
    • 26th Jul 17, 1:40 AM
    • #2
    • 26th Jul 17, 1:40 AM
    Welcome back Buffy x
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £166.90 Survey Earnings YTD £535.12
    • Purplemumof2
    • By Purplemumof2 26th Jul 17, 5:26 AM
    • 5,354 Posts
    • 18,305 Thanks
    Purplemumof2
    • #3
    • 26th Jul 17, 5:26 AM
    • #3
    • 26th Jul 17, 5:26 AM
    Hi Buffy,

    Happy new shiny diary.

    Welcome back xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7100.00 Cap 1: £533.40 BC: £5090.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • Hiddenidenity
    • By Hiddenidenity 26th Jul 17, 7:13 AM
    • 5,328 Posts
    • 26,196 Thanks
    Hiddenidenity
    • #4
    • 26th Jul 17, 7:13 AM
    • #4
    • 26th Jul 17, 7:13 AM
    Welcome back Buffy

    Happy new diary x
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Buffythedebtslayer
    • By Buffythedebtslayer 26th Jul 17, 12:13 PM
    • 14,885 Posts
    • 47,935 Thanks
    Buffythedebtslayer
    • #5
    • 26th Jul 17, 12:13 PM
    • #5
    • 26th Jul 17, 12:13 PM
    Hello,

    thanks for the welcome

    I should be paying for my car tax and sorting out my banking but I am so knackered today!

    Got to go to the hospital soon. best get on.
    Saving all the money.............really I am !
    • mary hinge
    • By mary hinge 26th Jul 17, 1:37 PM
    • 1,403 Posts
    • 6,560 Thanks
    mary hinge
    • #6
    • 26th Jul 17, 1:37 PM
    • #6
    • 26th Jul 17, 1:37 PM
    Welcome back Buffy! Happy new diary! Sorry to read your family is going through the mill at the moment and hope things improve for you all soon

    Mrs H x
    Living in a superhero induced haze
    "You did good Kidda!"
    • missmental123
    • By missmental123 26th Jul 17, 2:25 PM
    • 50 Posts
    • 145 Thanks
    missmental123
    • #7
    • 26th Jul 17, 2:25 PM
    • #7
    • 26th Jul 17, 2:25 PM
    Hi,

    I love your name! My cat is called Biffy!
    I also have a bad habit of online shopping! Last week, I ordered a bargain silver sequin jacket on sale from Mango because i was a bargain! It was beautiful when it arrived but I then saw sense and returned it. I'm now excited to be getting a refund!

    Good luck!
    • beanielou
    • By beanielou 26th Jul 17, 10:48 PM
    • 48,487 Posts
    • 178,356 Thanks
    beanielou
    • #8
    • 26th Jul 17, 10:48 PM
    • #8
    • 26th Jul 17, 10:48 PM
    Hey Buffster.
    Good to see you.
    You remember to take care of you xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • beanielou
    • By beanielou 26th Jul 17, 10:49 PM
    • 48,487 Posts
    • 178,356 Thanks
    beanielou
    • #9
    • 26th Jul 17, 10:49 PM
    • #9
    • 26th Jul 17, 10:49 PM
    & agree that contactless is way way to easy
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Buffythedebtslayer
    • By Buffythedebtslayer 26th Jul 17, 11:17 PM
    • 14,885 Posts
    • 47,935 Thanks
    Buffythedebtslayer
    Hello,

    Got paid today. Good

    BIL is still stable in intensive care - which is stressful but good.

    Spent 15 quid on ready meals........not good.

    Also spent money on lunch.

    I have 500 pounds to last me the next 5 weeks. sounds like a lot. however under the current circumstances I am not sure. It costs 3.10 a day in travel which is 300ish of the 500.

    then plus food out (yes, but the rest of the family buy stuff and it is part of the routine so I will have to buy some each day)

    Plus I have the vets to pay for. hmm.

    Good news tho, I have paid my car tax and have 391 saved for Christmas. ( and 4000 in my emergency fund but am not supposed to be touching that)

    It is 11.15 nearly. I will think about this tomorrow.
    Saving all the money.............really I am !
    • Moneyineptitude
    • By Moneyineptitude 26th Jul 17, 11:27 PM
    • 18,712 Posts
    • 9,971 Thanks
    Moneyineptitude
    I have 500 pounds to last me the next 5 weeks. sounds like a lot. however under the current circumstances I am not sure. It costs 3.10 a day in travel which is 300ish of the 500.
    Originally posted by Buffythedebtslayer
    £3.10 a day for 35 days is £108.50, nowhere near "300ish"
    • Buffythedebtslayer
    • By Buffythedebtslayer 26th Jul 17, 11:37 PM
    • 14,885 Posts
    • 47,935 Thanks
    Buffythedebtslayer
    Oops.

    that is what you get for writing done all the sums on paper and being tired! I did think it was a bit much !
    Saving all the money.............really I am !
    • Buffythedebtslayer
    • By Buffythedebtslayer 27th Jul 17, 12:03 AM
    • 14,885 Posts
    • 47,935 Thanks
    Buffythedebtslayer
    & agree that contactless is way way to easy
    Originally posted by beanielou

    It really is. a beep beep here, a beep beep there..............

    Really must go to bed now. good to see you Beanie pie XXXX
    Saving all the money.............really I am !
    • beanielou
    • By beanielou 27th Jul 17, 5:24 AM
    • 48,487 Posts
    • 178,356 Thanks
    beanielou
    It is good that you are thinking money wise Buffy but in the current situation as you say you really have to just go with the flow. I think you all have enough to worry about at the mo. Take care. Xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Buffythedebtslayer
    • By Buffythedebtslayer 27th Jul 17, 10:47 AM
    • 14,885 Posts
    • 47,935 Thanks
    Buffythedebtslayer
    I know Beanie, I think I am just looking for some kind of control when everything is out of our hands. We go every day for all the visiting hours available.

    It is going to be a hard few days now. Waiting for test results.

    Still we have dinners for the next 3 days so will pop out again on Sunday for more microwave meals. This time from Sainsbury's!

    I am so tired.

    I booked an eye test for Monday,which should be free if I can find the letter they sent, need to take Mum to the hospital on Tuesday. She is very stressed out obviously, it is all hard to see.

    Need to pay my credit card bill by 9th August.
    Saving all the money.............really I am !
    • beanielou
    • By beanielou 27th Jul 17, 9:23 PM
    • 48,487 Posts
    • 178,356 Thanks
    beanielou
    A hard few days indeed
    Positive vibes for you all.
    YOur mum will be finding it hard.
    Can you set up a bill payment on your internet banking to pay CC bill at the correct time so its not forgotten?
    No wonder you are tired.
    It is emotionally draining.
    xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • MessyMare
    • By MessyMare 27th Jul 17, 9:45 PM
    • 948 Posts
    • 4,018 Thanks
    MessyMare
    Hello

    Am in total agreement with you about contactless being too easy. And any website that saves your card info...I'm considering getting all new cards so it's not so easy!
    DEBT: £1658.22/£76843
    EMERGENCY FUND: £575/£1000
    Our greatest weakness lies in giving up; always try just one more time
    • Buffythedebtslayer
    • By Buffythedebtslayer 27th Jul 17, 10:33 PM
    • 14,885 Posts
    • 47,935 Thanks
    Buffythedebtslayer
    I checked the direct debit is still set up, tho I would like to pay it before that just so I know it is done.

    My brother in law has yet to wake up from the sedation they gave him. It was a difficult day. He did make some responses to comments or talking.

    Too hard to write about.

    Moneywise 3.89 on lunch, 3.10 on travel.

    Didn't go and get tea or coffee didn't seem right.

    am now trawling Amazon........
    Saving all the money.............really I am !
    • Buffythedebtslayer
    • By Buffythedebtslayer 28th Jul 17, 12:34 PM
    • 14,885 Posts
    • 47,935 Thanks
    Buffythedebtslayer
    We leave for the hospital at one, I feel so tired and over whelmed. God knows what my sister is feeling.

    One of the dogs is a nervous wreck. Both need the vets. I made all these appointments and plans. I am devastated for my sister and for him.

    I was really hopeful at the start. I am still hopeful.

    Please pray if you pray?
    Saving all the money.............really I am !
    • Buffythedebtslayer
    • By Buffythedebtslayer 28th Jul 17, 10:12 PM
    • 14,885 Posts
    • 47,935 Thanks
    Buffythedebtslayer
    Back from the hospital, no change - whilst that once was a relief now it holds a terror that he might not wake up.

    Money wise I spent 3.63 on lunch. And bought my sister a coffee.

    I am going to register my oyster card which irks me but I shall as I had a (wrong, there's a surprise) incomplete journey that I need to query.

    The dogs are going to the vets tomorrow. Poor boys, we are out so much and they are alone. One has a very upset tummy and the other has injured his foot.

    On a less important note my fish appear to be dying.

    But the gardener came and the garden looks good.

    Love Buffy

    X
    Saving all the money.............really I am !
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