My rags to riches, weight loss, yummy mummy stuff and 'owt else i can think of diary!

natsplatnat

Yeah you should be fine! I have sold quite a few bits and pieces recently and some of them have gone abroad - some people have even paid the UK price for postage. I have just contacted them and explained the extra cost and asked them to forward payment. You can add it to the invoice that you send them. If they have paid for the goods already, don't forget to add a teeny-tiny amount to the cost of the postage to cover the deduction paypal will make!

tinypawz

ragstoricheswannabe wrote: »

Just got my post through, and there was a letter from hbos cc saying that coz we have handled our account so good they are upping the credit limit!!!!!!!!!!!:mad:
Am happy to say that we are ignoring that letter and not taking advantage of the extra money they have thrown at us.

Just to make sure.....phone HBSO and tell them to reduce the limit back to what it was, that way you can;t be tempted. Or if your balance is less than orginal limit, you could ask them to reduce the limit further.

I know that I would have been tempted to spend the different. Thats why I got rid of all the plastic....far too easy to spend and 'forget' to pay it.

mummy2mygirls

as for the ebay thing - its fine to change the postage cost for somebody outside of uk. As natsplanat said you can put it on the invoic you sen them when the item is sold! Good that the bids are going up.
Hope your ok, i have just done the school run and it took 45 mins to get home when its not that far away as dd2 was not wanting to walk/go the opposit way to me etc etc so was a nightmare, i just hope the walk will have tired her out for bed time..........
speak later xxx

ragstoricheswannabe

Have had a big sort out with paperwork today, everything is now sorted out into my paperwork box like the house bills, account numbers policies for house and car etc and my A4 file is up and running. Just have one section of the file thats unused but sure i will find a use for it.

well next month and march are my council tax free months so instead of living it up, we have agreed to use it as extra payments towards the next card. March i will have to pay £70 or so to renew my nurses pin number so will be using the rest of whats left towards the next card. That should hopefully bring the balance to near £200!!! well on for my target!!!!!!!!!!!!!!!!!

well ds1 ended up in a+e at tea time with a mini asthma attack!!! one nebuliser and some steriods later we were allowed home with another 2 days worth of steriods bless him. he is supposed to be at the childminders tomorrow but will see how he is through the night and in the morning.

mummy2mygirls

oh bless to ds1! i hope he is a bit better now he has the steriods..

Well done on getting the paperwork all sorted.
Good to put the money towards something rather then just blow it- as i have done every yr for the last how every long i paid council tax.....This yr we will be good with the extra money aswell.
xx

Pips_Mum

Hello!!
I have mid month grumps too I think!! So tired even though he is a good baby.
I got paid today so want to pay a chunk of debt off, havent had time today to do any banking.
I am looking forward to the council tax free months too, plan to pay more debt off with it.
None of you warned me I would suddenly lose around half my day, bat an eyelid and you miss about 12 hours!!
Well done on the organising x x

smarties84

Pipsmum - long gone have the days when you can go to the toilet alone and read a magazine (not at the same time i may add, well unless you want 2) LOL - they are so worth it tho, hey! xx

Rags - poor ds1 - i hope he is ok xx

natsplatnat

Morning Rags! Hope DS1 is better today? Well done on the filing front - nothing like a bit of organisation to make you feel more in control!

Have a good day!

ragstoricheswannabe

Good morning everyone!!!!! For once ds2 slept quite well last night, it was ds1 that was up through the night!!!! sods law!!!!!!!! He is still alittle wheezy so have kept him at home today so i can keep an eye on him (and chase after him with his inhaler!:rotfl: )

Feeling a lot better this morning after having a good sort out and organising my paperwork! although it suddenly dawned on me at 3am that after paying all childcare and the like, i am actually not going to be any better off than i am now as childcare will take up half my wage!! Need to find a way of getting more money that doesnt involve leaving the kids. Might try delivering phone books when they next advertise. Can park the car somewhere, fill the bottom of the pram and ds1 can help as loves posting things!!! Never seem to see adverts for delivering leaflets as that would be on the same lines as above. Have done avon before and that was very time consuming. Have looked on the up your income board but nothing there jumps out.
Anyone appiled for the adverts to be printed on your car???

Have a good list of things to do today including cancelling the ppi on my loan as charging me nearly £3k for the life of the loan!!!! thinking i may try to claim it back but have no idea if it was missold. They just advised that i take it as had no other policies in place. That should hopefully knock some money off the total i owe, will soon have my debts below £20k!:D

Well made just over £14 on ebay, only 2 of my items didnt sell so will relist them in the hope they will sell and will list some more items when i have a spare half an hour to do it. Gonna put £10 towards debt and the £4 for postage. The baby carriers were not selling well or for very much on ebay when i looked so will put that up in the supermarket. Have found a yoghurt maker in the back of the cupboard that i got free from lakeland when i worked there!! even have spare pots with it. not sure whether to sell them or use them to make hm yoghurt??? no idea how to make it or whether it tastes nice. Also gonna dig out all my old maternity wear (dont have a lot) and sell that in a bundle as the maternity top and jeans i listed together sold. Just need to buy some paper to wrap up the items and will post on monday. Does everyone use the brown paper or any that you have lying around?? i usually buy the brown paper but wondered if there was a cheaper alternative.

Need to my chores which include:, , , a womans work is never done!!!!!

First a brew me thinks
Love rags
xxxxxxxx

ragstoricheswannabe

Have been on the phone and cancelled my loan insurance!!!! They will re-do the loan (but no credit checks and the like) and will still be on the old terms and will still finish on the same date (72 months/2014:eek: ) so will have 2 free payment months and will be paying £151.15 instead of £173.80 a month!!!!:D and i can make overpayments!! Now, what would you do with the £20 a month i have gained??? use that to overpay on loan, put it towards paying off the overdraft or throw at some of the other debts??????

so have worked out that 2 free payment months totals £346.60 and added to the 2 free council tax months (£230) i will have £501.60 extra to throw at my debts!!!!:j :T (took £75 off for my pin number)

so now my dilemma is: do i throw that all at my next card and have it nearly cleared, use it all towards my overdraft, pay some off the debts and put some in savings for things like mot's, tax and repairs, put a little in of the scenaro's above???????????