A Payment A Day Part 5

sashybo

Thanks Flower and Silaqui - it's always nice to have a bit of virtual sympathy. :beer: Left work early today as not feeling great.

Hopeful1 wrote: »

Sashybo, sorry to hear work is making you feel so down. Have you got anything nice planned for the weekend? It sounds like you need something to look forward to to get you through the week xxx

Thanks Hopeful. Think we will be laying some plywood so our bathroom floor can be tiled which I've waited for ages for. :j I do have a week of annual leave booked in two weeks time and am really looking forward to that. I've been counting down from about 6 weeks ago!

so_here_we_are wrote: »

Sashybo, sorry your having a bad time at work, have you thought about going to your doctor and getting them to sign you off for a couple of weeks with stress. I know its not the best and I'm not saying you are stressed but it might give you some breathing room, sometime life does get tooo much and everything usually comes at once and we just need a little bit of time to recharge our batteries. - Just a though, hope it helps x

Thanks SHWA, I might have to see the doctor as have previously suffered from depression and am a bit worried that it's sneaking up on me again. Unfortunately I'm in a probation period at work and only on a fixed term contract so don't think I could take time off.

I need to start job hunting again I guess, as even if my contract is extended I don't really want to stay where I am. I thought moving away from retail would be good for me - more money and more regular hours but I was actually happier in my old job. Oh, I never seem to be happy whatever job I'm in. :mad:

After that mega post my pad is £1 again today between the two ccs.

septemberblues

Hopeful1 wrote: »

Welcome to the thread September. Are you just going to keep saving until your tin is full? When you do open it you'll have to let us know what you decided to use if for

Thanks for the welcome. I would like to save for a new tv as mine has a rather irritating habit of whistleing/whining when you are watching a programme:eek:. The tin is HUGE so I don't know if I can fill it within the next few years, I am saving coppers in another tin as well. My aim is to try and save between £5 and £10 a week if possible......................so today I have got 50p again but will try harder

macgirl

sashybo wrote: »

I might have to see the doctor as have previously suffered from depression and am a bit worried that it's sneaking up on me again.

Sashybo, do you think you might have SAD? Do you get chance for a daily walk at lunchtime or during daylight hours?
Try to pamper yourself or do something pleasurable every day (:p) to keep the dark demons at bay.
Take care

Thisisforthekids

£4.17 Today please, catch up soon.!!!

Moneytroubles_2

£65 paid to the nationwide overdraft.

£1 paid to the very catalogue.

mumofthreemonkies83

Hi guys

Lurker here whos having a bad time of it, im assuming the G&T was for me Angelic :shhh: :rotfl:

I think maybe someone up there doesnt like me, sent off the divorce papers on Sunday and got them back today with written comments about everything id missed
Apparently I need to give details and dates of "occasions" when soon to be -oh has been a pr*ck, me thinks that might take some writing out :rolleyes:

Decided to reprint the first page as there was also an error on the place of marriage and the darn printer kept repeating in its bloody robot voice, the paper has jammed, please clear the paper jam :mad::mad::mad:

Also forgot to inclose the marriage certificate, but have sorted it all now and its ready to go back again tomorrow, hopefully its clear cut from then on


Oh and to top it all off I didnt get paid at all this week and I have debits going out on Sunday..... arrggghh what a week!
Oh and the soon to be ex oh is struggling to cope and has decided he NEEDS to get away to Cyprus for a while where his sister lives leaving me quite literally holding the babies :rolleyes:

Kids of course are all off school and running me ragged, its a blessing really, im so tired by bedtime I dont have time for insomnia
Roll on a new routine that hopefully leaves me a little time for R&R

Big hugs to you too, Beautyand the beast. xxx
No idea why the farm wont load to whoever asked (so sorry im rubbish with remembering anything) but mine does that when the pc is having a lazy day, very annoying :mad:

Hugs to all who need them and congrats to the bingo winners, send me some good fortune please :beer: that way I can get back to padding *keeping on topic* ;)

Mumof4 xx

PS Massive thanks Mary and Jo for the PM's xxxxx

macgirl

Oooh, sorry to hear that Mumof4
Hugs and G&T's aplenty to you.
Have you tried your luck with the old free bingo? At risk of sounding like an old biddy - it may be worth your while for a few extra pennies.....
Take care, Mac xx

Silaqui

Hi everyone

£2.25 pad for me today please - although it is payday tomorrow so I might nip back in a bit and add a bit more, wanna check the grabbits first see if there's anything worth going for!

Well done Jazzie on getting rid of your loan, and hugs to everyone who's having a hard time of things at the minute.

Mac, was wondering which free bingo you are playing??
xx

Paulgonnabedebtfree

angelicmary85 wrote: »

Morning All!

Anther £3.00 for me please Purple!

At the rate I'm going now my cc will never be paid off my April

I see you've dropped to 43 now Paul...well done! (Did you do that a while ago and I didn't notice??)

Hope you all have a fab day! x

Sorry to say that there is some fairly new debt from recent weeks that I haven't factored in yet because it's on a couple of cards that I haven't used in ages. It was my intention to pay them off as soon as the bills come in which is why I haven't "declared" them on here. Unfortunately, it looks like I won't be paying them off as soon as I felt I could. This isn't quite as naughty as it seems. I say this because I opted to pay my vehicle insurance for the full year and used my card to do it (nearly £500). This was my best option because it will be cheaper on the card than having ten direct debits going out over the next year. My business insurances were also up for renewal (a further £366). I did even better with this one. Apparently, they allow you to pay over three months if you send a cheque each month and it's interest free. This will help me manage my cashflow a little better. Once again I was excercising my least bad options. I did shop around on both insurances and although I could have saved some money on the actual policies, the cheaper ones didn't have certain extra bits that I prefer to keep (such as bundled RAC cover, protected NCB, covering the item being worked on (public liability ins) etc. I do believe in protected NCB. It saved me a packet some years ago.
If £500 sounds expensive for vehicle/RAC cover, I think I should explain that the cover I need is slightly specialised and only a few companies supply it. I must have a commercial policy due to the type of van that I own and even then I am restricted due to having a large water tank in the back. Typically, as few companies offer this cover, the rates tend to be higher due to the lack of competition.
Anyway, I could have done instalments on my insurance but opted to up my debt to a card instead. I have ensured that all the business stuff is on one card because it's easier to offset any interest against a future tax bill.
I also had to use another card as my computer monitor went belly up. I have had an ancient 14" CRT monitor as a back-up in case my larger one went wrong. Typically, when the large one finally packed up, the back-up didn't work either. I would have turned to Freecycle for another monitor but I needed a monitor to see the Freecycle site (aka catch 22 ). Anyway, I got a new flat screen monitor for under £90. I had no idea that flat screens had dropped in price so much. I will be offsetting part of that against a future tax bill too as my computer is part business use.
I've never really caught up financially since having a holiday in August and returtning to a slipping clutch (£600).

I'm not complaining. I now have the tools to make greater inroads into my debt over the next few years. Big tax bills loom on the horizon which makes me a bit nervous. However, I have generally slashed my spending by hundreds of pounds a month and there is still room for more. It's taken me since the start of the year to get organised and sustain new habits. Still room for improvement though.
Am I really the only nutter on here who feels happy because they have a meal of pasta, tinned tomatoes, and peas - followed by an apple and an orange for pudding? . Not worked it out but I reckon that's a filling, reasonably healthy meal for not much over a quid.

macgirl

Silaqui

b!ngobritain, but there are others, see this thread...
http://forums.moneysavingexpert.com/showthread.html?t=1487085
You can do free daily scratchcards too
Good Luck!