My Journey

bevan840

Well, wages are going to be low again next week Had to take Giz to the Vet again this morning, this morning I came downstairs to find puddles EVERYWHERE!!! Little puddles, on the floor, on the sofa, on my desk, on a magazine etc etc was also straining in the tray so wasn't going to waste any time and booked an appointment for the start of surgery. The lady we saw was also there on saturday when he had the catheter put back in so she knew about him, poor thing had a full bladder and decided to try and leave a puddle on the table but she helped him to empty it completely, she said it's most probably very sore for him (much like a human with a wee infection that burns when you pee, the last thing you want to do is wee, which is what Giz has been doing) so she's given me some anti inflammatories to be taken as well as the rest of medication he is on and hopefully he will start to be more normal. I asked her if I needed to stay home from work to keep an eye on him and she said as his bladder is empty he won't need a wee again for a long while so I could go to work (damn lol)

College last night was a struggle, we're on to what they all call, the worst part of accounting, and boy is it confusing!!!! I don't know if it was because I was tired with not having much sleep with Giz away or just the normal confusion for me, but last night was very difficult, not looking forward to tonight Need to fill in another claim form for todays appointment but will wait until we've seen Vet tomorrow night before I start to fill it in, so that hopefully we won't need to fill in any more.

Still haven't packed or done anything towards holiday, still unsure as don't want to leave Giz while he's not well, I know DH will look after him but he can be a little forgetful at times and he can't miss giving Giz his meds else he might get worse again Will have to text him and remind him daily But Sis received an email yesterday to say that New Moon was dispatched!!!! She's told me I can open it!!! :j But I cant watch it :doh: lol I have to wait till Tuesday to watch it with her
I've arranged my day out with the AYME girlies down there, supposed to be penpals but I'm useless now as I never have time to write letters Going to see Alice in Wonderland Hopefully best friend will be able to come down too, it all depends on if she has enough money for train fare as won't be able to drive 2 hours to her so she might come to me
Next week is going to be one busy holiday!! lol

Felt so stressed and down this morning I bought myself a choccy bar naughty me, but those new Galaxy Bubbles are gorgeous!!!!

Done the shopping for DH, the only thing he should need to get will be milk, potatoes, just little bits and I'll do a shop when I get back. He's already put in a request that I visit Trago for some new wiper blades for the volvo lol Think Dad might have some so will ask him

Went to check greenhouse this morning and it had fallen over again I'd put the strawberries in it too found all of them and put them back in their pots but didnt put them in greenhouse, taken the cover off and hoping it will stand with no problems.

Hope everyone has a nice day xxx

ETA Just had text to say phone bill is ready, this is the one I was dreading because it covers while DH was in Austria and it is surprisingly lower than I expected, estimating for £80 ish and come under £70 like a normal bill

Jo_R_2

Aaarrrgh you just reminded me about shopping ,had forgotten to do ours online so need to book a slot asap for tomorrow or else brave the supermarket (don't wanna!)

Poor Gizmo - hope he feels better again soon x

savingholmes

bevan840 wrote: »

ETA Just had text to say phone bill is ready, this is the one I was dreading because it covers while DH was in Austria and it is surprisingly lower than I expected, estimating for £80 ish and come under £70 like a normal bill

Talk talk may be cheaper for international calls if you buy a "boost". I would investigate how you can phone your OH cheaper like skype etc as this is extremely high.

bevan840

SH that was the mobile bill, for both phones he took his laptop and we topped his dongle up before he went but for some reason it wouldn't work *shrug*

Well, I'm here at Mum's left home around 10:45 ish and arrived here around 7pm, very tired but also very wired and when went to bed couldn't go to sleep!! Couldn't work out if it was
a. No DH
b. Different bed or
c. Too quiet!! lol
Put my ipod on and within an hr I managed to drop off
Funniest part was I almost left home without the ticket!!! :rotfl: the main reason for this holiday and I almost leave it at home lol it's in my filofax now up by my bed with all my bags etc

Still going to keep an eye on finances but not as closely as when I'm at home most probably, things are moving along fine anyway so they should still be fine within a week Managed to get 20p (2x10p) on scratch though

Anyway, going to go and enjoy my first shower since Jan
Have a nice Sunday all xxx

savingholmes

hope you have a great time and that the concert lives up to the hype

bevan840

Wow, what a night on monday!! It was AMAZING!!!!!! THE best night of the year so far I'm now putting cashback and scratches towards a ticket to go to Newcastle Arena, would love to see it all over again, will definitely look into getting a chair though as had to stand up for the whole night!! :eek: Managed it but could barely walk to the car afterwards. The website for where it was also said that you weren't allowed to take camera's or even mobiles in, and yet EVERYONE had atleast one or the other!!! I tried to use my camera on phone but wouldn't zoom in so Peter looks like an ant *shrug* Sis managed to get some half decent pics on her phone before it died so going to try and get them onto my memory stick or phone

Managed to close my online savings account, going to wait till it is in my account, transfer it to my ISA then try and find a good ISA rate and start transferring into there.

Been ringing DH daily, sometimes twice, Gizmo is doing ok, no more puddles eating his food and medication and Angel is eating again also so everyone seems to be ok at home.

Having brill time down here, shame I brought the crap weather down again though. Going to see Alice in Wonderland tomorrow night, seeing friend during the afternoon and as his fiance will be out will see how I feel after the film and might go back after. Definitely going to Asda before I go there so I can get a micro meal and New Moon £8 in Asda, on Monday in Morrisons it was £12.99 and today was £9.99 lol Still not down low enough for me to buy it

Cant think of much else at the moment, I hope everyone is ok xxx

savingholmes

Bevan you sound really positive - that is lovely to hear

bevan840

Here's March's SOA at the end, I've estimated tomorrows shopping will be around £40. It doesn't look brilliant I know, no wonder we're in and out of the overdraft at the moment

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household............. 2
Number of children in household......... 2
Number of cars owned........................... 2

Monthly Income Details
Monthly income after tax................................. 789.3
Partners monthly income after tax................. 920.8
Total monthly income..................... 1710.1

Monthly Expense Details
Rent......................................................... 448
Electricity.............................................. 20
Gas............................................................ 60
Water rates........................................... 22.65
Telephone (land line)............................. 35
Mobile phone.......................................... 69.23
Groceries etc. ....................................... 290
Clothing................................................... 14.99
Petrol/diesel.......................................... 261
Car Insurance........................................ 63.64
Car maintenance (including MOT)..... 9
Car parking............................................ 18
Other child related expenses............ 192.73
Pet insurance/vet bills....................... 152.72
Contents insurance.............................. 16.2
Presents (birthday, christmas etc). 60.98 (Xmas £25, Mothers Day £30.98 & BIL birthday £5)
Entertainment..................................... 25.7
Holiday.................................................. 10
Easter Eggs........................................... 15.93
Experian................................................. 6.99
Moving Budget....................................... 0.01
Total monthly expenses.......... 1792.77

Assets
Car(s).................................. 2500
Total Assets........... 2500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt...................Monthly...............APR
CC1..................................1925.16....................55...................20.9
CC2.................................833.56.....................30....................17.8
Sofa................................914.85....................31.55....................0
Car..................................2659.01..................91.69....................0
Ipod...................................120...........................40......................0
Mum..................................2200..........................0........................0
Dad...................................1500...........................0........................0
Total unsecured debts.10152.58.....248.24


Monthly Budget Summary
Total monthly income................................................. 1,710.1
Expenses (including HP & secured debts)............. 1,792.77
Available for debt repayments.............................. -82.67
Monthly UNsecured debt repayments................... 248.24
Amount short for making debt repayments. -330.91

Personal Balance Sheet Summary
Total assets (things you own)........... 2,500
Total Unsecured debt.................... -10,152.58
Net Assets..................... -7,652.58

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

One word describes this SOA, damn

bevan840

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household...... 2
Number of children in household... 2
Number of cars owned.................... 2

Monthly Income Details
Monthly income after tax..................................... 975
Partners monthly income after tax................... 1150.5
Total monthly income...................... 2125.5

Monthly Expense Details
Rent...................................................................... 560
Council tax.......................................................... 85.2
Electricity........................................................... 50
Gas......................................................................... 60
Water rates......................................................... 22.65
Telephone (land line).......................................... 35
Mobile phone....................................................... 67.21
Groceries etc. ..................................................... 250
Petrol/diesel....................................................... 250
Road tax.............................................................. 110
Car Insurance.................................................... 98.72 *Renewal time for DH*
Car parking......................................................... 20
Other child related expenses......................... 192.73
Pet insurance/vet bills..................................... 20.06
Contents insurance............................................ 16.2
Presents (birthday, christmas etc)................. 25
Entertainment.................................................... 3.99
Holiday................................................................. 10
Moving Budget................................................... 0.01
Total monthly expenses.................. 1876.77

Assets
Car(s).................................. 2500
Total Assets........... 2500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description.....................................Debt.............Monthly..............APR
CC1.................................................1898.85..............55...................20.9
CC2.................................................813.93................25...................17.8
Sofa.................................................883.3..............31.55....................0
Car.................................................2567.32...........91.69....................0
Ipod...................................................92.....................40......................0
Mum.................................................2200....................0.......................0
Dad..................................................1500.....................0.......................0
Total unsecured debts.......9955.4.......243.24

Monthly Budget Summary
Total monthly income............................................ 2,125.5
Expenses (including HP & secured debts)........ 1,876.77
Available for debt repayments.......................... 248.73
Monthly UNsecured debt repayments.............. 243.24
Amount left after debt repayments....... 5.49 *Lets hope we can keep this *

Personal Balance Sheet Summary
Total assets (things you own)...................... 2,500
Total Unsecured debt................................. -9,955.4
Net Assets............................ -7,455.4

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

DH's car insurance, previous company wanted £605 :eek: searched via TCB through gocompare and compare the market, found cheapest, then went through TCB to the actual site, gaining £28 cashback and getting more knocked off for going 'direct' through the website, so only paying £40pm instead of the £55pm Direct Line wanted :T

Will try and do quick catch up tomorrow, need to go to bed as not getting much sleep at the moment as DH has got the nasty throat virus going around and I've now got a sore throat Thank god it's only a 4 day week this week

bevan840

Well, what a busy week I had

Helped Mum and Dad out while I was down, Mum had a carpal tunnel op a few weeks ago so helped Mum and gave Dad a week off from being taxi and veg peeler hehe She's had the left done and the right will be getting done in November.

Peter Andre was brilliant, amazing, excellent etc etc He sang live the whole show And boy does he look fit in person!! I checked facebook for his page and apparantly he was giving autographs at the end of the evening and we missed it I was having extreme trouble walking in the first place so probably wouldn't of been able to stand long in a queue so maybe if we go to Newcastle I can get one then Using cashback to get tickets

DH's car insurance has been renewed, Direct Line wanted to charge £550 + interest for paying monthly = £605 :eek: Apparantly the bulk of claims for the last year were from 21-25yr olds and unfortunately I fall into that bracket still, regardless of the fact that I am also with them and have 6 years no claims! Bloke on the phone said there was nothing he could do so DH told him to cancel the policy as of the last date on policy. Went to TCB and clicked through to GoCompare and Comparethemarket.com but only GoCompare seems to of tracked so far but thats £1.50, cheapest we found on both was with Axa Insurance, so checked on TCB if they had them and they did for £29 So, clicked through, and because we'd gone direct to the website (sort of lol) it was cheaper than both website's had quoted us Paid the deposit of £74.70 and will be paying 10 monthly payments of £40, about 40p more than last year but better than paying out £55-£60 a month on top of a £90 ish deposit. Emailed in his proof of no claims and just waiting to hear it's ok, couldn't get scanner to work so took a photo and explained why it wasn't scanned in. I seem to of fixed the printer/scanner now

With it being a 5 week month, rent is a little more expensive than usual, but then so is wages I've budgetted my wages at being the lowest they could be, roughly £195 a week. Council tax starts again in April, electric £10 a week, only used £20 for March so probably won't need all £50 but would rather over estimate than underestimate. Need to tax DH's car this month, decided to do same as last year (was hoping we wouldn't need to but never mind) and pay 6 months now, 6 months again in October and then hopefully next year we can start paying it yearly again

Debt is slowly going down, put in all my receipts of the last week last night, only thing I need to get today is the normal shopping but I know I'm not going to be able to save £300 ish pounds to offset the deficit on March's SOA so leaving it as it is. Overdraft is currently at £250 to cover for monthly bill account payment, going to leave it there as CSA payment will need it again, will try and pay it off at end of the month but by my spreadsheet we will need it again for the next few months but will put money in it as/when we can so that the charge won't be too high.

Gizmo seems to be doing ok, they are both back to being brother and sister and sleeping/playing together again phew. DH took him for his check up last week and didn't get a wee sample like he was told to, said he couldn't get one and when I came home I found all the stuff in exactly the same condition they were when I left, unopened! So, need to try and get a sample out of him myself I think.

DH has got a nasty throat bug which seems to be doing the rounds up here at the moment, he was talking to a teacher yesterday and she said they'd had a lot of children off with this bug, extremely sore throat, feeling cold even though he's red hot, hasn't got a high temp but higher than usual for him, aches and pains. Made him gargle with soluble paracetamol last night, didn't like it, but it seems to of done the trick He was asleep when I went to bed last night, he woke up around midnight, but then went back to sleep after about half hour and as far as I know slept the rest of the night, didn't wake me up by tossing and turning at least so I'm assuming he slept ok. Poor bu88er was in bed when I got home from work which is very unlike him.

Had a minor melt down when at Mum and Dad's, I'm struggling with some of the college work due to concentration problems. My Dad made the grave mistake of saying 'If I really wanted it I'd work at it' which considering I'm doing a 39/40 hour week, on top of college 2 nights a week and running a household as well as of course having the joys of ME to deal with all at the same time was the wrong thing to say!! Told him that that comment hurt then went to my room crying Mum came up to try and calm me down and we had a little chat, decided that regardless of my result in June I won't be going back to college in September. At the moment, college on top of a job I hate is too much for me and it's making me worse, hence the concentration problems. Also putting the baby idea on the back burner to try and focus on me, instead of everything and everyone else. Really need to find another job, preferably something I will enjoy, but nothing seems to be available and everything I apply for I never hear from *shrug* Also decided to start taking Omega 3 supplement as apparantly they are good for the brain, I can't stand fish, I think they taste worse than they smell and apparantly the Flora buttery isn't good enough :cool: hehe

All in all, been very up and down, now got the sore throat and hoping it doesn't get as bad as DH's, made some jelly last night anyway just in case

Hope everyone is ok xxx