Financial faux pas and other disasterous decisions

moo2moo

Hi Tea!

Today is payday WHOOOPPEEEEEEEEEEEEEEEEEEEE!!!!!!!!!!!!!!! I've already confused the ladies att he post offfice by withdrwing a large wodge of cash and immediately redepositing it into another account. I opened two current accounts and a savings account via Quidco for £120 plus £100 from the Alliance and Leicester for switching, not that I have, but it means that on paper I have to look like a minimum £500 each month goes into each account (fortunately only £1 into the savings account but by direct debit) and I have to actively use these accounts. So I'm actively and randomly making payments to myself from one account to the other via the free postal cheque service, the many bookies I appear to have used recently and cash from the cash point and the Post Office. All in all I've managed to make £200 appear to have miraculously morphed into a grand. If only it were true.

£5 Amazon voucher arrived this morning from the Socratic Forum and a free 50p from the daily scratchcards took me to £10.10p. I played bingo and lost *sob* a whole 10p reducing me to £10.00 but I'll be able to withdraw tomorrow safe in the knowledge that I am a valued real money player.

Came across great odds on a match tomorrow with BetFred which releases a £50 free bet for a measely 52p loss. Bring on the money! Unfortunately my favourite matching site has glitched and manually it takes me an eternity to find a decent match so I can't finish off the last of my 25 Paddy Power £10 bets for my final free tenner.

So my plan for the weekend :

1. Wave bye bye to the DDs as they depart for Grannies until Monday.
2. Go into work very late and finish even later.
3. Find 4 more Paddy Power bets (I think - it might be less but some were void )
4. Place 2 x free £10 Paddy Power bets to be done.
5. Await the results of tomorows matches and hope that the 2 x £50 free bets are unlocked very soon afterwards rather than 48 hours later.
6. Use these.
7. Work out how much surplus cash I can safely pay off the debt - I'm hoping for £800 plus OHs overtime and expenses.
8. Sort out and pay OHs friends car insurance. Very very long story involving flooding and a tree in France.
9. E-mail OHs friend with an invoice for his car service, MOT and insurance costs.
10. Clear up after dog. The spots on the cream carpet in the bedroom are not, as was first thought, drips from defrosting snow on the dogs claws (which would have been infinately preferable) instead they are drips of urine. Dog is now on antibiotics to treat this. Plan A was to liberate the carpet vac from school but was foiled by the heads wifes friend currently being in possession of it so I'll be scrubbing it the old fashioned way.
11. Long and undisturbed lie in... although OH has to leave for work at 4am so I'll probably end up being wide awake much much earlier than normal.

lucielle

That sounds like a big list to complete. Hope you enjoy your lie-in.
L

beanielou

Where do u get your energy?

WorkingHardDFW

That sounds like a very long and very tiring list of things to get done...good luck:rolleyes:

I've been following your thread for a while. Ref the MBing. How much have you made from it to pay towards your debts? I'm just about to start and am just waiting for a couple of bits to clear.

moo2moo

Hi WorkingHard.

At this point in time I'm at roughly £160 in cash profit. Plus £45 Quidco which isn't due until April. Effort wise it works out at around £15 per hour. I should have two £50 bets available for use later today which between them will earn around £75 in less than 30 minutes.

The biggest screw up I've made so far was going direct to Betfair. Don't do it. Use a referal link. PM me or theres a long list on the referrals board. This will give you lots more cash and keep on giving for the first three months. I can't tell you how gutted I am that I didn't realise before I signed up. My next recommendation would be to sign up with Paddy power via Quidco for £20 cashback and 5 x £10 free bets. Note to self that was 5 not 1+5 as I convinced myself so I've made 5 additional unnescessary bets, fortunately at a loss of around 80p so not an enormous catastrophe but in future I will write down the specific Ts&Cs rather than making then up in la-la land to suit my whims. Still learning, mostly that all the screw ups I've made are entirely of my own creation. I must not be so impatient. Says she with 7 bets in play today. Oh ys I'm taking it easy. Actually 5 of them are for my imaginary free 6th tenner from Paddy ower so not quite as attrocious as it seems. Number 6 is a free £10 bet and no. 7 releases a free £50 bet.

Didn't manage my lie in. OHs alarm went off again and again and again and then I was deafened by his mobile. I'd made coffee and let the dog out before he moved. What a clever fella he is. Thats an ingenious way to get coffee in bed. I was bleary eyed and half asleep when the dog went demented and chased a juvenile fox out of the garden. he was beautiful but not the ideal visitor when you have chooks.

The hunt for insurance is not going at all well. Not helped that the vehicle in question is the boys toy. OHs friend lives in France and uses it for fun and transport when he visits the UK, he picks up all the bills we have free use of it when hes not around. Its cheaper for him than a hire car and he has a free on demand chaufeur service to and from the airport. Insuring it should be straightforward but isn't. Hello, I'd like to pay lots of money to have 3 named drivers on the insurance please, no we're not all related, no we don't live together. Ah I see you can't cover that scenario but you'd be quite happy if my husbands gay lover was named on the policy. Yes of course thats imminently sensible. Add to this 3 points for speeding doing a whopping 31 in a 30 zone and we're royally shafted. I don't condone speeding but the speedometer of a 25 year old Land Rover is not the most acurate object on the planet. In fact its pretty amazing that it works at all. Better still are the call centres who refuse to speak to you because you're not the vehicle owner and although you would like to give them money they can't discuss it with you. I only want a quote! One fabulous company has helpfully quoted me just under £3000 fully comp with a £1000 excess. Did I forget to mention that the solid gold plating had dropped off a decade back? Where do these people dream these things up. I think the best one to date is the .... and our policy comes with free comprehensive RAC cover. Me: no it doesn't. Them: yes it does. Me: but you've just said it doesn't cover vehicles over 12 years old. Them: Thats correct. Me: so you won't cover my 25 year old vehicle then. Them: is it over 12 years of age? Duh!

Mission Update :

1- I'm freeeeeeeeeee freeeeeee as a bird. Granny collected the DDs from school so won't see them until Monday evening when we're meeting in a restuarant halfway between us and them.
2 - Finally escaped from work at 7:30pm leaving lots of things to do before the boss gets in on Monday.
3 - Paddy Power bets placed unnescessarily - must read Ts&Cs properly in future.
4 - Free £10 bet placed
5 - No sign of the £50 bets yet
6 - Going to make an overpayment of £800 in two stages. £550 from the first to the second the fake current account and then on to the debt. The remainder directly to the debt. Will review accounts at the end of half term to see if I can increase this. Waiting for one of the credit card bills to arrive first though.

£10 withdrawn from free scratchcards. Just leaves me the carpet to clean so I'm going to conquer the bedroom whilst I'm at it. This involves emptying anything which isn't nailed down out of the room and cleaning properly then returning things which belong to their rightful homes and hopefully uneathing a whole load of tat for flea-bay. School are having a Bag2school clothes collection soon too so thats an excuse to go through the wardrobe and suggest things which the OH might like to consider parting with. If this is anything like normal I'll find a book that I've forgotten all about, grab a coffee read for a bit and discover that I've entered the space time continum where the book is finished and the upstairs of the house is a disaster zone.

Intergalactic_Floozie

Still here and still laughing!!!! Well done on the matched betting! I'm really going to have to try and read (and understand) that thread again!!

skint-student-nurse

hi moo,just to say ive read this thread and your an inspiration! signed up for quidco already! love your energy and i will be reading your diary from now on.

moo2moo

Having my first financial rethink of the day. The posties brought an unexpected bill. Well its not really a bill in the sense of the pay it now or else but more a can you afford not to type of bill.

The DDs are horse mad and their riding school runs structured dump and run Pony days where I get to pay for the priviledge of them shovelling !!!!, sweeping the yard and genrally slaving away for 8 hours. They do get rewarded for this with two riding lessons, competitions, quizzes, treasure hunts and work towards their pony club awards so it comes as no surprise that this years programme is every tuesday throughout the holidays. More importantly its heavily suggested that failure to attend all nine sessions would be detrimental to the entire programme (perhaps resulting in catastrophic collapse of the universe) and the discount is only available until the end of February. To be fair though its a heck of a lot cheaper than last year, £15 a day cheaper assuming I send both of them to every session. But its still £360. However it will secure my status as the most fabulous mother in the universe and its potential for threats is outrageous. Tidy your room or there will be no pony fun day, you'll have to stay at home with daddy instead.

moo2moo

My second financil brain fart of the day brings forth the following revelation.... over 9 weeks of ordinary 30 minute riding lessons I'd usually fork out a rather ridiculous £180. If I tell the monkeys they can either have their normal 30 minute lesson or an 8 hour pony day but not both DD2 will immediately chhose the pony day whilst DD1 will sulk for a bit, rant for a bit and then reach the same conclusion.

lucielle

I like your thinking. My chaps have got various different friends coming in the hols so the proposal for actually getting their bedrooms tidied actually looks do able. I have got 2 horses and the poop and scoop days are fun. My chaps did those before we got the boys. Have fun and if you find a book hope its a good one.
L