So here's to you, Mrs R....

mrs_robinson_3

Boo. We lost. But it was quite a good effort nonetheless.

Now feeling a bit guilty about the purchases. Will keep the lipstick, as did need it, as was scraping out the remnants of my old one with a brush, and have had it for 2 years anyway. But will reflect over the weekend whether the dress/tunic should go back. Though it is rather lovely, for the price.

Hhhmm.

Mrs R

beanielou

Keep the tunic.

Double_Trouble

Keep it Mrs R.!!!!!!!!!!!

DTxx

mrs_robinson_3

Oh, so you lot are encouraging me to a be a bad girl, eh? I like it! And I probably will keep the tunic as it is rather a stunner, for a v small outlay really. Plus, what I didn't confess above was that I was invited out tonight, which was another reason for the purchase, but have decided I can't really justify being out as well, and as lots of people were going, they won't miss me, so backed out. Thus saving at least £40.

And, to my chagrin, have now had an email saying my Virgin 0% app, which was refused, has been reviewed, and I can have it after all. But I've already BT'd to RBS and spent £119 on the fee in the process. So now I'll have to decide what to do. I possibly will move it again to Virgin, once I've looked back to see how long the 0% lasts, as the 3.9% am now on with RBS is until November. So if it's a longer period than that, it will save me swapping again and in the long term, over the next 11 months in which I'm going to pay the balance off, I might save, even with another fee, but need to do the maths.

What would you all do?

Mrs R

thrifty_fifty

Wonderful purchases Mrs R. A tunic is a very versatile piece and as for the lippy, well you had used the other one up, and as the dior one is super moisturising, you don't have to take lip balm out with you too, so kind of a saving in a way.

xx

hypno06

Virgin 0% is normally for a whopping 15 months

rupe34

:rotfl:Mrs R - you are brilliant! Keep the tunic - and the fiendishly expensive lippy;) - I bet the cricket club didn't know what had hit them. I would love to be glamorous, but don't really have the self-belief to pull it off - so I will just have to live the glam life vicariously through your diary:D

mrs_robinson_3

Thanks Rupe - it's possibly not as glam as it sounds, I do my fair share of mummy duties and the like, but I do try to find the glam (and a little bit of naughty) in any situation - life's more fun that way!

So today we booked our hol. And I know this is a DF forum, so I appreciate many reading this may not be having a hol at all, so am truly grateful that we are able to.

In the end we squeaked in marginally under the £2k barrier I had in my head - and we have booked a truly comfortable looking mobile home in France for the 5 of us, with 2 bathrooms, for 11 nights, plus two ferry crossings, one of which is overnight, so I don't think that's too bad.

We'll also stay over a night on the way back, to save having to leave before dawn to get the ferry back, so will need to fork out for a night in a hotel, but that'll just be an Etap or similar. By my reckoning it's £38.50 ish per person per day, so compared to the cost of my lipstick, it's pretty good VFM. Feel free to disagree though.......

And I have a plan for my remaining CC debt, now that nice Sir Richard wants me back in the fold. Here it is:

Pay £338 to RBS at the beginning of June. This will clear the "original" debt to RBS, before I did the BT from Egg.

Leaving £4127 o/s, plus some interest, like about £15, so say £4142

BT £3000 to Virgin, but first ask if they can waive the fee as it was their initial refusal that caused me to switch it to RBS, costing me £120 in the process. They probably won't, but may as well ask. I have my charm after all.

The £3000 will have to include any fee they do charge, as £3k is my limit.

So allowing, say, £90 for a fee to Virgin, I'm likely to be able to BT £2910 from RBS.

Which will leave about £1232 on the RBS card.

So I'll then pay that at £410 p.month in July, Aug, Sept, whilst paying the minimum off the Virgin card (likely to be £25, but need to look this up)

So in Oct, I'll have cleared the RBS, the Virgin balance will be something like £2925, and I'll then pay £435 a month to Virgin.......

Which will mean I'll be all paid off in April 2011, having started this mission in Sept 08

And the panicky BT to RBS won't have set me back too much, especially not if I can get Virgin to waive the fee.

Loving my new lipstick (though not using it for every day at that price) and found I had a lovely pair of gold and wood flip flops, worn only once (not easy to walk in) which set off the tunic nicely....so whilst I shouldn't have........am glad I did!

It's not a rehearsal after all

Mrs R

hypno06

mrs_robinson wrote: »

It's not a rehearsal

Mrs R

Absolutely!

Holiday sounds very good vfm, in my opinion.....things like Etap really help to keep the cost down so good for you.

mrs_robinson_3

Look at your weight loss, Hypno! 22/28lbs is absolutely fantastic. And as it's been steady, am sure you'll keep it off. Brilliantly well done.

Mrs R