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Financial faux pas and other disasterous decisions

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  • makeup
    makeup Posts: 1,633 Forumite
    Hey Moo

    I didn't realise you had your own diary - I always enjoyed reading your posts on Lula's thread so I will subscribe to this one!

    The MB sounds complicated but it seems like you have it all down!

    I was thinking of signing up with yougov but having just read that you took forever to get £50 I think I might forget it. I'm doing onepoll at the mo and it has taken me ages to get to £22 and I need to get to £40 before they'll pay out.:mad:

    I really need to get out of bed and get to the shops. I bought some Clarks boots from their online sale and of course they don't fit so have to return them.

    Enjoy your weekend!
    I've got my own flat :j:j

    Now I have to pay the bills :eek:

    And feed my interiors addiction ;)
  • beanielou
    beanielou Posts: 95,639 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Yes, you gov takes just forever.Sigh.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • moo2moo
    moo2moo Posts: 4,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    YouGov does take forever but the surveys border on interesting, well apart from their obsession with footballers. Who cares what the nation thinks about Arson Wenger? But it is relatively easy money. You never get screened out so you waste far less time with them than with Toluna who delight in letting you answer ten minutes worth of questions before telling you that on this occassion you don't fit their demographic, you are the weakest link. Goodbye.

    Our boudoir is now shockingly clean and tidy. I didn't come across a book so no excuse for not cracking on with it. I was a little decadent though, I lit the stove in the bedroom to dry the carpet and since it was the warmest room in the house I found lots to do in there so my filing cabinet was updated too. I'm finally reaching the bottom of my stash of lotions and potions. I, like every other female on here, was at one point in the distant past an Avon rep. and I seemed to aquire tons of stuff. I did make a reaonalbe amount of money from it too but the hassle to the DDs far outweighed the reward. That and my area seemed to be 50% farms or houses which were ten minutes walk from their neighbours so it wasn't the quickest of things to do. I did gets lots of exercise and meet loads of very nice people, problem was I was just too nice and one or two of the housebound ladies used to phone their shopping list through to the village shop for me to deliver on my way past. Lovely but very time consuming and theres a limit to the number of home baked cakes that you can fit in. Mind you there are two that I still pop by to visit every couple of weeks.

    I had an e-mail from William hill with a bogof bet, I had no idea that they existed. Place a bet of up to £25 on a specific games correct score and they'd match it on the correct score of another specific game. Terriffic. My satanic clicky finger disconected itself from my brain and went into action. Best odds I could find were 8.5 at the bookies and 10.5 at the exchange so a £5 loss to gain a £25 bet. Ok I can live with that. The £193.13 liability at the exchange was a bit jaw dropping though. Match no. 2 was a vaguely more sensible 6.5 to 8.4 requiring a further £121.88 retaining £16 of the £25 free bet so an overall profit of just over £10.

    I've placed bets and corresponding lays on 14 games this week, rather than bore you with an itemised breakdown this weeks overall results are as follows:

    This weeks profit £30.18
    This weeks loss £3.15
    This weeks overall profit £27.03

    Anticipated results of todays four games : £6 loss £50 profit approx. Overall profit approx £44

    Free bets to be used £50

    I've done some of the surveys which have landed in my in-box over the weekend. The instant payers have resulted in £1 paypal and 150 Tesco Clubcard points. The bingo companies are obviously feeling the effects of the credit crunch as todays payout was 5p. Then again its a free 5p and its all mine.

    Today will be spent ironing the seven loads of laundry I managed to do yesterday followed by packing ready for a trip to the mother-in-laws. Incidently mother-in-law is an anagram of Woman Hitler - most appropriate! Mind you the OH calls my lot the outlaws and my step-mother whilst lovely is a bit eccentric, but she does at least make me look relatively normal.

    Later on I will be donning the oven gloves and introducing the cat to the delights of the cat flap. OH tried yesterday without oven gloves. Silly boy. Cat 1 -OH nil. Roofbox fitted following a mammoth hunt for the brackets which attach it to the roof bars and a conversation which went "They were on the windowsill before we tidied up for Christmas - what have you done with them?" resulting in a 2 hour search of the house and cars unearthing lots of other previously unlocated items and OHs work issue coat which has been AWOL for the past month. Finally found them at which point OH says Oh yes I put them there so that you wouldn't tidy them away. Clever huh.

    Road tested the roofbox with a trip to civilisation for alchol and 'shrooms for sphag. bol. Timed it perfectly and left £13 lighter with 2 bottles of red wine, 4 litres of coke (as a treat for OH), 2 free range chickens (dead ones), 4 extra specially posh looking pizzas and the 'shrooms. A most bargaintastic outing. OH got all excited about the prosect of a roast dinner but instead got sphag bol as I'd started it so I was jolly well finishing it.
    Saving for a Spinning Wheel and other random splurges : £183.50
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We are having roast chook today. Glad you got your room done. I managed to muck out the childrens the DDs being the worst one, bin bag of rubbish from them. Still need to pluck up courage and get mine done!
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • makeup
    makeup Posts: 1,633 Forumite
    moo2moo wrote: »
    . You never get screened out so you waste far less time with them than with Toluna who delight in letting you answer ten minutes worth of questions before telling you that on this occassion you don't fit their demographic, you are the weakest link. Goodbye.

    I know what you mean, Toluna drive me crazy with that. And so often they screen me out after answering basic q's like where I live etc and they already know everything about my whole life so why send me this stuff?

    Agree, I did one the other day where I answered lots of q's and then suddenly I'm no good for them!

    I used to like doing Juicy Brains as they gave you 25p if you were screened out. But they've stopped doing surveys now which is a shame as I used to get quite a few £'s worth of Amazon vouchers which I would save for Xmas.

    At least with Onepoll, you sort of self-screen! Much quicker.

    However I am doing a shampoo thing for Toluna so at least have a large shampoo and conditioner for free!

    Enjoy the rest of your weekend!
    I've got my own flat :j:j

    Now I have to pay the bills :eek:

    And feed my interiors addiction ;)
  • beanielou
    beanielou Posts: 95,639 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You maybe know this already but try putting cats food on other side of the cat flap!Good luck!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • moo2moo
    moo2moo Posts: 4,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Thanks but we've already tried that. Cat prefers its food live. Even tinned sardines wasn't enough of an incentive not that the cat could get anywhere near the cat flap once the stampeeding flock of chooks got a whiff. Fortunately most of them are too big to fit through the cat flap. I do have visions of finding eggs in and on the lawnmower though although that will be an improvement on the armchair.

    Rather surealy this morning has been spent wrapping Christmas presents, it'll be the first time we've seen the OHs family since October so we're doing a delayed Christmas, our third one of the year. Fortunately its a very cheap Christmas as everything came from the Boots 75% off sale. Kids clothes are packed. Its the only way to stop them wearing the things that they want to take. Wish that worked on the OH who will wear something the day before we leave get up the following morning to do his packing (nothing like leaving things to the last minute) and ask where the item is.
    Saving for a Spinning Wheel and other random splurges : £183.50
  • moo2moo
    moo2moo Posts: 4,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Drum roll please........ Dearly beloved we are gathered here today to celebrate the sheer genius which is matched betting. Despite the many mis-conceptions and outright balls ups I can officially declare my first months profit as £233.00. Additionally I have £45 due in cash back from Quidco and I still have a free £50 bet to use which will increase this total by a futher £40. Thats with 8 bookies and one exchange.

    Being a sensible kinda gal I've withdrawn all "my" money and am now only playing with the free cash profit. So total balance at the exchange is £233 in anticipation of the £50 free bet being released at the bookies later today. If it doesn't I'll be e-mailing them to find out where its got to. I was originally going to use half of each months profits to pay off the debt but its taking 5 days for transactions from the bookies to clear my bank account so I need a bigger float than I thought in play to open an account at the bookies, mug it of all the freebies, win at the exchange, withdraw the money and repeat. I'll have a think on that one and come up with a cunning plan.

    I've been ex-communicated by the school PTA and now only find out what they've been up to when they cheese someone else off enough that they forward things to me. Todays arrival was priceless. Bearing in mind that its February I've recieved a stall plan and a five page action plan for the summer fayre. Its planned with military precision and involves the police, the fire brigade, St. Johns Ambulance, a dog agility display team, the police mounted horse division, a climbing wall, a fairground, pony rides and the obligatory bouncy castle. I'm sure there will be an upadate in a bit with details of the helicopter rides around the village and perhaps the local hot air baloonists could wedge themselves on to the playground too. The credit crunch has obviously yet to hit this inbred enclave of deepest darkest North Wales or the organisers haven't retrieved their heads from their own colons for long enough to take note of it.
    Saving for a Spinning Wheel and other random splurges : £183.50
  • moo2moo
    moo2moo Posts: 4,694 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Had a phone call from them wot do organise things at the council to say that the decorators won't be at school before 8:30 which means I can afford another half hour at home doing very useful things. I'm utilsing the time wisely slobing around eating more toast. Thats six slices so far this morning to go with the six mugs of coffee. I'll be high as a kite all day.

    Have been reading through threads on the Greenfingered board and am inspired. Thats never a good way to start the day. My garden is a tip. OK garden is stretching things a bit far. The derelict wasteland surrounding my house is a disaster zone. Now that the weathers brightening up and the snow has thawed I can see just how bad things are. They're not good, not even remotely. Everythings hugely overgrown, very muddy and there are large craters all over the garden from DD2s obsession with worms. It would be nice to grow something edible in it, thats edible for us and not a caterpillar breeding programme unlike last years attempts at growing broccoli. We started laying block paving two years ago so that we had somewhere to sit outdoors and then we built an extension and ran out of cash. Immediately outside the backdoor is mud with the odd bit of broken concrete and lots more mud. I guess thats as good a place to start as any.

    By next winter I'd like to exit the house onto a non-muddy path. So that'll be a couple of grand to find then and a skip or three. I love skips. My record so far is filling a 6 tonne skip in three hours armed only with a shovel and a trug. Better still was the look on OHs face when he arrived back from a business trip to find that a large chunk of the garden had disappeared overnight. Almost as good as me deciding that the best place for a summer house was at the very bottom of the garden which meant levelling and excavating 6 square meters to fit it in which was when I decided that a set of wide sweeping steps was a good idea too and a herb garden and three or four other large terraces requiring ten or so pallets of bricks and several tonnes of sand and gravel and a small fortune in concrete. Think I might wait until he goes away again and then e-mail him with phase two of my master plan that way he'll have calmed down a bit by the time we rationally discuss it like adults and I say yes but look what I did earlier using a kango hammer (thats one of them thar things wot they do use to break up roads).
    Saving for a Spinning Wheel and other random splurges : £183.50
  • [quote=moo2moo;18836031£233.00.[/quote]

    :T :T :T :T :T :T :T

    That's amazing! Well done - I wish I could understand it!!!!
    Start Date: 27/11/2010
    Padding: Day 42
    Target £8000
    Amount: £562.23
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