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  • FIRST POST
    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Jul 17, 11:47 PM
    • 14,889Posts
    • 47,949Thanks
    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 3
    • Sun Addict
    • By Sun Addict 20th Aug 17, 2:31 PM
    • 4,547 Posts
    • 26,598 Thanks
    Sun Addict
    Hello Buffy, can't believe I didn't notice you had a new diary. So good to see you back. Sorry to read it's been a tough time recently, you know I know how it is with hospitals Hope your mum feels better soon - like Beanie says could you make her the appointment and then take her there to make sure she goes? Hugs from me xx
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • juliejim
    • By juliejim 20th Aug 17, 5:16 PM
    • 7,503 Posts
    • 151,049 Thanks
    juliejim
    Hugs Buffy
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
    • Buffythedebtslayer
    • By Buffythedebtslayer 26th Aug 17, 3:33 PM
    • 14,889 Posts
    • 47,949 Thanks
    Buffythedebtslayer
    Brief up date.........

    1. Mum went to the doctors. Gave her antibiotics. She is now better.

    2. During this I got sick. And I don't mean cold sick, I mean full temperature, heart thudding in my ears, shivers, sweats, vomiting, the full works. Spent two days in bed.

    3. Got the shed sorted for the bunnies, got the old shed removed, and had the garden done (it is done every two weeks now how posh )

    I am officially 4060 in debt by the way.

    But I have a pond and no shed and tomorrow if I can get together enough I will start on the rabbit house.
    Saving all the money.............really I am !
    • beanielou
    • By beanielou 26th Aug 17, 3:38 PM
    • 48,510 Posts
    • 178,578 Thanks
    beanielou
    Glad that your maw is now better.
    Sorry that you have been ill.
    Take care of you.
    Great news on the garden.
    What's the story about the rabbit house?
    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 Aug 17, 8:31 PM
    • 14,889 Posts
    • 47,949 Thanks
    Buffythedebtslayer
    Beanie,

    Last year I had the shed put up to house the rabbits, then I had my op and was housebound for the summer, so couldn't move them out. Then over Winter it sort of sunk so I got the gardener to re level it so I can put it together for them. The door shuts properly now....always handy!
    Saving all the money.............really I am !
    • beanielou
    • By beanielou 26th Aug 17, 9:13 PM
    • 48,510 Posts
    • 178,578 Thanks
    beanielou
    Meant to ask you Buffster, how is BIL now?
    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 Aug 17, 10:25 PM
    • 14,889 Posts
    • 47,949 Thanks
    Buffythedebtslayer
    Meant to ask you Buffster, how is BIL now?
    Originally posted by beanielou
    He is doing pretty well, eating some solid food and beiing responsive. Has been hard as we can't go to the hospital.

    There was some issue with his heart today, an etopic beat Mum thinks... so am praying about that. Mum didn't really understand so it might not be serious.

    But hard to tell!

    Was going to do a lot tomorrow but best friend in the world has mad a surprise trip so shall be seeing her instead I expect

    XXXXX
    Saving all the money.............really I am !
    • in need of direction
    • By in need of direction 27th Aug 17, 12:15 AM
    • 4,699 Posts
    • 26,529 Thanks
    in need of direction
    Glad to hear you're getting time with a friend.
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 8/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Buffythedebtslayer
    • By Buffythedebtslayer 30th Aug 17, 6:43 PM
    • 14,889 Posts
    • 47,949 Thanks
    Buffythedebtslayer
    Evening,

    I have been wasting my life on FB, all I do is wake up check my phone (BIL updates) waste time on FB, shower, feed animals, check FB, in so many groups - some are excellent, one on dog training is really good. a couple on organisation and money - I don't post on them, far too personal! and then there are the pet ones.

    I don't know if anyone on here joins groups but the ones I have joined for Rabbits are just full of stuck up prissy tw@ts. no housing is ever big enough and you must not own other animals if you have rabbits.........I don't share pictures of my housing (rabbits are currently free range upstairs). Groups for guinea pigs are just the same - cage must be the entire living room and the panic induced if you do something like put guinea pigs on recently cut grass(without the cuttings there), my Lord, it is the end of the world as we know it.

    So yes in between hospital updates that is it really. Definitely needs to stop. I made some progress with the rabbit shed, but it rained all day today so could do no more. started on the conservatory (for the 50th time) but found no less than 6 spiders so f55k that ! Came in here to check the finances....I am a bit poor. well not really. But I don't like being in debt again.

    Saving - 4000
    (plus 440 for Christmas)

    debt 1- 4060

    debt 2 - 772 (tho I did have to order a fish filter for the pond another 149 pounds!)

    money left from borrowing - 2300

    Still need to do the dentist. which is about 1500.

    But dentist can't happen until half term. so in will have a pay day before that. I must stop spending money on my credit card.

    In another news, I really fancy the bloke who plays Barry Allen in Flash.

    feel a bit sick.ugh.
    Last edited by Buffythedebtslayer; 30-08-2017 at 7:36 PM.
    Saving all the money.............really I am !
    • Buffythedebtslayer
    • By Buffythedebtslayer 30th Aug 17, 8:17 PM
    • 14,889 Posts
    • 47,949 Thanks
    Buffythedebtslayer
    Had dinner and feel less yucky. I have a bite on my neck - not from a sexy vampire man sadly but it has swollen up a fair bit. I feel generally itchy!!

    Just had to order a new air pump for the fish tank.

    11 pounds. not bad. last one lasted 3 years.

    I am debating whether or not to join the scrimping September challenge........
    Saving all the money.............really I am !
    • Sun Addict
    • By Sun Addict 30th Aug 17, 8:29 PM
    • 4,547 Posts
    • 26,598 Thanks
    Sun Addict
    FB is both interesting for a nosey person like me but disheartening when it appears everyone is having a much better time than you. However, when I was worried about you Beanie said you'd been posting on there so not all bad. I'm not one who posts everything on there to be honest, mainly when I'm on holiday, I don't often do anything interesting.

    We spend a fortune on pumps for the pond, although the last one has done well.

    I so need to scrimp in September, might look for that challenge.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Buffythedebtslayer
    • By Buffythedebtslayer 31st Aug 17, 12:08 AM
    • 14,889 Posts
    • 47,949 Thanks
    Buffythedebtslayer
    FB is particularly hard if I focus on my friends and their children. I get so lonely looking at those posts. I must say my other childless friends don't do FB and I am quite sure it partly for that reason, the endless comparisons are wearisome. I stay on their because my 3 best friends are there and so are a number of people I have met online - from here for example. And I have made some American friends whom I am very fond of. Most people on my FB don't have young children or any children at all and I mostly hide a lot of posts from people I have to be friends with. Much of the time on there is in groups. Discussions on all kinds of things, mainly relating to pets or politics. Tonight I noticed a picture from someone I have known for years - not really friends but she is nice, her husband was looking at her and the moment in the picture was real love. Straight up nothing but, she wasn't looking at him but you could see it on his face.

    And I did allow myself to think why hasn't anyone ever looked at me like that? I know the answer really, I never gave anyone the chance, my 20s were spent proving I didn't need a man, and since then I have worked and worked and worked. Kept away from such things!

    Any how I don't often have those moments. They soon pass. Tomorrow I am having breakfast with 3 friends and lunch with 3 more. I am really looking forward to it. I am lucky with friends

    I am going to sign up to that September challenge. I need to get this money thing back under control.

    XXXX
    Saving all the money.............really I am !
    • in need of direction
    • By in need of direction 31st Aug 17, 8:05 AM
    • 4,699 Posts
    • 26,529 Thanks
    in need of direction
    I don't do Facebook but I can relate to the time wasting. My thing is spider solitaire, the most pointless game ever! It needs to stop

    Have you made the half term dentist appointment?
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 8/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Buffythedebtslayer
    • By Buffythedebtslayer 31st Aug 17, 7:50 PM
    • 14,889 Posts
    • 47,949 Thanks
    Buffythedebtslayer
    I see your solitaire and raise you The Seekers, Sim City, Fishdom and some stupid gardening thing.

    Good day, bought my make up, got a set so I can sell part of it on FB, I have good friends, I do love them. couldn't make lunch as they met at 11.45 (breakfast was at 11) but it was a good day.

    Spent a fair bit but it will be the last time for a while.

    XXX
    Saving all the money.............really I am !
    • Sun Addict
    • By Sun Addict 31st Aug 17, 8:01 PM
    • 4,547 Posts
    • 26,598 Thanks
    Sun Addict
    I joined the September challenge So don't go spending any more on make up LOL.

    I like that bubble pop game, solitaire and free cell. Try not to go on them much as once I start I can't stop.
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 31st Aug 17, 9:26 PM
    • 48,510 Posts
    • 178,578 Thanks
    beanielou
    Can someone kindly pop up a link to September challange?

    My FB is boring. THe highlight of this week(!!!) is me trying out a shop mobility scooter.
    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 31st Aug 17, 9:57 PM
    • 14,889 Posts
    • 47,949 Thanks
    Buffythedebtslayer
    http://forums.moneysavingexpert.com/showthread.php?t=5701482

    Hope this works
    Saving all the money.............really I am !
    • Scott_Weiland
    • By Scott_Weiland 31st Aug 17, 10:45 PM
    • 627 Posts
    • 1,511 Thanks
    Scott_Weiland
    Evening,

    I have been wasting my life on FB, all I do is wake up check my phone (BIL updates) waste time on FB, shower, feed animals, check FB, in so many groups - some are excellent, one on dog training is really good. a couple on organisation and money - I don't post on them, far too personal! and then there are the pet ones.

    I don't know if anyone on here joins groups but the ones I have joined for Rabbits are just full of stuck up prissy tw@ts. no housing is ever big enough and you must not own other animals if you have rabbits.........I don't share pictures of my housing (rabbits are currently free range upstairs). Groups for guinea pigs are just the same - cage must be the entire living room and the panic induced if you do something like put guinea pigs on recently cut grass(without the cuttings there), my Lord, it is the end of the world as we know it.

    So yes in between hospital updates that is it really. Definitely needs to stop. I made some progress with the rabbit shed, but it rained all day today so could do no more. started on the conservatory (for the 50th time) but found no less than 6 spiders so f55k that ! Came in here to check the finances....I am a bit poor. well not really. But I don't like being in debt again.

    Saving - 4000
    (plus 440 for Christmas)

    debt 1- 4060

    debt 2 - 772 (tho I did have to order a fish filter for the pond another 149 pounds!)

    money left from borrowing - 2300

    Still need to do the dentist. which is about 1500.

    But dentist can't happen until half term. so in will have a pay day before that. I must stop spending money on my credit card.

    In another news, I really fancy the bloke who plays Barry Allen in Flash.

    feel a bit sick.ugh.
    Originally posted by Buffythedebtslayer

    Reduce your time on facebook spend it doing surveys
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.10 Survey Earnings YTD £535.12
    • crazy_cat_lady
    • By crazy_cat_lady 1st Sep 17, 10:47 AM
    • 3,369 Posts
    • 28,913 Thanks
    crazy_cat_lady
    Hi Buffy
    Just wanted to pop my head up and say hello - and send you lots of love.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Buffythedebtslayer
    • By Buffythedebtslayer 3rd Sep 17, 3:13 PM
    • 14,889 Posts
    • 47,949 Thanks
    Buffythedebtslayer
    Hello Crazy Cat lady

    hope you are doing alright today? I start the hamster wheel tomorrow XXXX
    Saving all the money.............really I am !
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