Clawing back - the second half

Claw_back_money

Hi all
Nearly the end of the month, a good time to take stock financially, and start scheming!

I got paid a couple of days ago for job #2, so that will go towards overdraft, getting to sub £1k is looking like a real possibility.

I've just applied for and been accepted for a play.com card, to move the outstanding credit card balance of £3K, whose 0% rate expires v soon. I think it will be paid off in just a few months so it seemed silly to pay nearly double the BT fee and get a 16 month card. The card that would have suited me better is no longer doing 0% BTs at the moment. Play.com have given me a bonkers credit limit though, and now if I was to use all my credit it would take me to nearly twice my annual salary.
I need to get that balance moved as soon as possible, its touch and go if its too late that I'm going to have to pay interest to Egg :eek:. I kept putting it off.

Another black mark for forgetting to put in my invoice to edigital, so I won't get any money from them this month.

I'm quite pleased with groceries this month, one shop to go this afternoon, but we've only spent £134 this month, and that includes OH having done some shopping!

I'm looking forward to going to the cinema to see a random film this week, through the VW promotion that I spotted on this site. I've seen several films this year through seefilmfirst, which is lovely as we're not really going out at all.

Hope everyone else is doing ok..

Cheers
Cbm

Claw_back_money

Poorbuthappy55 wrote: »

I am hooked - it's what I need to keep me on the straight and narrow!! No rehab for this particular addiction. xx

but waking up in the middle of the night saying "must save money" (think Homer Simpson donut voice) is a little anti-social......:rotfl:

Cbm

Claw_back_money

How lovely to have the lighter morning, it made Monday morning much nicer. The flipside was cycling home in the gloomy evening, in the drizzle... how many weeks til summer?
A NSD today, as I didn't leave my desk except for meetings. All as expected in the bank accounts, and nothing interesting in the post. I'm hoping for a chilled evening, I have got some of the bargainiferous Hotel Chocolat goodies left and that would be a fab end to the day!

Have a good evening...

Cbm

Lemon_Tree

hi hope you enjoy the film, we got our first free film about a month ago and it's a fab feeling knowing you haven't paid but won't get in trouble.

Claw_back_money

Yawn, another long and boring day working, but I've been working from home this afternoon so its just a question of putting things away rather than travelling home, and, jacket potatoes are already washed and in the oven!

Bad news from DS2. He has just started uni and was, I think missing home a bit, so we've paid for him to fly home for reading week next week, and he booked the tickets. He then phoned to say that reading week was the following week, and there's a £25 'administration charge' per flight to change them. I think that's outrageous - what sort of administration do they do that costs that much! I decided we'd go halves with him on the cost; I know £25 will hurt (him) a bit but don't think that paying it all will really help in the long run.

I've got loads to do tonight... huge pile of ironing, bulging email inbox, a load of paperwork and the study has got rather out of hand again. Apart from the ironing most of that is to do with my voluntary work. Fab - I'm doing administration for a hobby. :rolleyes:
However, the thing that is calling to me is a cross-stitch card I started last night, which is what I really want to do. I think I might compromise and sort the study and create piles of paperwork for Friday - day off - and then shut the door and go and finish my card. Sounds like a plan!

Cbm

Lemon_Tree

i've often wished i could work in the admin department of any insurance or loan company what with the admin charge you get on the first payment or when you need to change anything.

Poorbuthappy55

Did you finish your card? I hate having a pile of chores in the evening after I've been at work all day - makes me all bitter and twisted!

PBH x

Claw_back_money

Hi all
Celebration mode chez CB this morning - I'm not working today, its payday, and we made the target of sub £4K debt for the end of October. :T :money: :j

I'm just working out what we can reasonably achieve in November, which will probably be the last substantial pot of money from job #2, although there will be a bit in December. Fingers crossed the new play.com card arrives in time to do the balance transfer, or I might end up with interest payments. :mad: Assuming that the bigger debt is going to be on a 0% card, it is joint account overdraft busting again this month. The balance is £940 so it would be really hard to pay that all off in a month with 2 of the youngsters coming home for a week, DD birthday and a car service due. But it might be possible; survey and some expenses are due, and it will be a bumper payment from job #2... and probably better to aim for 0 and miss by a couple of hundred pounds than aim for £500 or something.

And it will be quite something to finally be shot of the overdraft!!!! Off to amend signature and make something yummy but OS for dinner, to be washed down with a bottle of celebrator wine (bought from M&S on one of their fab offers, of course). :beer:

Cheers all
Cbm

Claw_back_money

Lemon_Tree wrote: »

i've often wished i could work in the admin department of any insurance or loan company what with the admin charge you get on the first payment or when you need to change anything.

And to be paid on commission, easy money!!
Cbm

Claw_back_money

Poorbuthappy55 wrote: »

Did you finish your card? I hate having a pile of chores in the evening after I've been at work all day - makes me all bitter and twisted!

PBH x

Hi PBH
I finished the cross-stitch part, I think I want to make a 'frame' for it to go on the front of the card. I also did tidy the study and sort the paperwork, so felt very virtuous while happily sewing. Only bad bit was that my eyesight has obviously deteriorated and I found it hard to see, I ended up with one of the kids' desk lamps shining on the sewing.
CBM