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

ragstoricheswannabe

Hello, not wrote on here for what seems like ages as nothing dfw was going on! hate the end of months.

well the loan has come out and has taken me over the £3k paid mark!!!!:D:D:D get paid on fri, but still have the childminder to pay so will be a tight squeeze this week. Then next week ca make all my budgeted paymets for the month and work out/transfer the money i am under budget for like the phones and childcare (childcare is a whole £6 under budget!!!!)

Have sent my ebay parcels but have yet to relist and list more items. may do it later in the week now i have an updated price list for the postage:mad:

Right, off to get ready for work,
love rags
xxxxxxxxx

ragstoricheswannabe

Hello all.

Well had a shock when i got to work yesterday, some evil people had broke in on sat night and nicked the safe with all the residents money and jewellery!!!!!:mad: bar stewards!!!!!

Well its payday on fri!!!!:j so next week will hopefully be under £21k in debt!!!!! (sounds great but have been here once before)

Still havent got my front and back doors installed!!:mad: my fella rang them today and apparently the doors have been ordered but they are just waiting for something. Said they will ring back this afternoon ad leave a message on our answer machine................................................................. nothing here!!!! getting really pee'd off with them now. We have used them before in our old bungalow and couldnt fault them but this time there have been nothig but problems........................... thinking of making an official complaint, might get something knocked off the price?!?!?!?!

not much else to report,
love rags
xxxxxxx

ragstoricheswannabe

Just tried to apply for a barclaycard in my fella's name (has a better credit score since i have been on mat leave) as its got a 0% rate for 12 months but have been REFUSED!!!!!!!!! bit devestated about it as thought we would have got it and could of got the hbos card on 0% and get it cleared off quicker!!!!! Not going to apply for anything else this year as need to renew the mortgage soon and surley these refusals of credit will hinder what offers we will get????!!!!!

Going to do some ebaying tonight, even my fella said we need to get listing and get some of our stuff shifted. Have loads and will soon have even more as both ds1 and ds2 have grown out of their current clothes so will be popping them on too at some point.

Cant believe schools finish for the summer hols next week!!!!!! Ds1 will then be going into reception class!!!!!! my baby is all grown up. He is ready for it though.................might improve his behavior a little.

payday in 2 days!!!!!:j whoo hoo!!!! although no sooner is it in the account it goes back out again!!!!!:mad: next months i am really looking forward to with all my overtime............... hoping my fella gets his overtime on fri too so can pay that off the hbos card. That should make it £350 off the hbos cc this month, nearly under £1k!!!!! Will have to read back through my diary to find out which debt i will be concentrating on next as hoping to have the hbos cc cleared in the next 3 months!!!!!!:D

Ooh i feel the need to go and play with the snowball calculator!!!!!!

love rags
xxxxxxxxx

ragstoricheswannabe

ragstoricheswannabe wrote: »

my order of debts to concentrate on is as follows (idea nicked from nat)

1. Hbos cc @ 16.9%
2. Egg 2 cc @ 0% till next year
3. Egg 1 cc @ 0% till next year
4. Mil @ 0% but want to pay her back as soon as
5. Hbos loan @ 7.9%
6. Overdraft @ ridiculous high %

The quad will pay off in bits every month as its a mate we owe it to.

Found it and am quoting it so i dont have to go through reams of pages to find it again!!!!!

Now off to play with the snowball calculator!!!!!!

retrocircles

Rags you're doing so well with your debt-busting, it's amazing! I'm sorry to hear about your car. I can't believe your doors aren't in yet?! It's been ages! I hope you're still Wii Fit-ing! You have patience, I couldn't stand the thing.

Your grow plot looks lovely!!!

mummy2mygirls

well done!! how good will that be to get the hbos one paid of in the next three mths!!!

Pity you didnt get the 0% one!!I have ried for both m and dh over the last few mths and we both got refused!!! ARRR its horrible...

hope the snowball shows yo some good results

ragstoricheswannabe

Hey mummy, am giving up on ever transfering the hbos card!!!!! its just not as easy to get the 0% deals!!! (not a bad thing as it meas less available credit!)

Well have played with the snowball calculator and it says so far i will be debt free by april 2012!!!!!:D but thats not including the money i will pay off the hbos card next month!!!!!! to meet that dfd i will need to pay £700 a month towards the debts, doable if my manager keeps giving the overtime!!!!!! think she will as the other nurse has taken a step backwards after a major operation to remove her stomach (cancer) so doesnt thik she will be back this year! but we shall see, if not then will have to do some major ebaying and praying!!!!!!

Seen as i have early completed my mission of paying off £4k this year, will wait till after august and will set myself another target!!!!! good way to stay motivated!!!!

Still not heard about my doors, cue another phone call!!!!!!

ragstoricheswannabe

Hey everyone,

went to have a look around home bargains yesterday (thinking the crowds would have been and gone) and OMG that is one dangerous store!!!!!! i could of spent a fortune in there!!!!!!

Have found that most of the items like the toothpaste and mouthwash and even food i have been stocking up on from approved foods are in there and slightly cheaper as no postage to pay!!!!! I was very controlled and didnt buy much but will be dragging my OH in there on fri to stock up!!! So much better than the woolies that was there!!!!!! Do they get different stock in regularly or is what they have it?!?!?!

Have got someone from dfs coming this afternoon to fix my sofa's! I really am not that impressed by them, the recliners have gone lop sided and its ripping the leather underneath on one of them. This is the second time we have had them out and we only got them just before xmas!!!!!!!! I really do think we are jinxed as my mum and dad got their recliners from there and theirs have been fine!!!!!!

Still no news on my doors:mad: keep being told that the person we need to speak to is out measuring and will ring us back!!!!!:mad::mad::mad::mad:

Not much on the dfw front, £50 paid to egg1 today, but get paid tomorrow so will pay some off the hbos cc and mil. My fella has said he may have a few nights out next week, now whilst i hate him being away least it is a bit more to pay off the hbos cc! i will get it paid off in the next 3 months!!!!!!

Need to do a meal plan for next week, just looked over on the old style board which hasnt helped, they seem to be able to cook some grand looking meals!!!!! Only working 3 days next week so should be easy to figure one out...................... watch this space.

Hope you are all ok??
love rags
xxxxxxxx

retrocircles

I'm still due to write a letter to DFS about our sofa. They've had to come out twice to fix it & yet I'm paying full price for what I deem remanufactured goods?! I don't think so! I want a replacement or a discount. Their choice!

ragstoricheswannabe

Today has been quite productive!!!!!!

Have finally been diagnosed with irritable bowel syndrome!!! (after years of guessing as much but never having it confirmed) have now got some medication to take prior to eating but not sure if they want me on it long term or untill the symptoms settle down (which is almost never as always bloated after eating etc) my nursing background cant help me with that either as have known people on it long term and those on it short term....................................................

and the second thing is we are finally going to get our doors next wed/thurs!!!!!!! only took my fella going into the showroom so we couldnt be fobbed off. They have offered no apoligy or explanation so we figure the doors have been ther but they had just "forgot" about us. Im sure they wouldnt have had we only paid a deposit.........................

and its payday tomorrow.............fingers crossed my fella gets his overtime too.

oh and on a good note for us but a bad note for our debt, we have found a car we wanted, like and is within the busget we set for ourselves..........................we just need to decide whether to try and go for finance. Def need to get rid of our current car as will not pass the mot in sept and will be a pricey do. the car is in doncaster which is a good 2/3 hours away from us.....................decisions, decisions!!!!!