Eager Elephant's Effective Everyday Excursion ...

Eager_Elephant

Balances as per statements:

Barclaycard - £7323.56
Amazon - £2216.87
Abbey - £0.00
Total - £9540.43

Reduction - £261.29 :j :T

Eager_Elephant

Thanks beanie and bast.

I do still have 3 cats but none were as unique as him - we have probably lost about 10 in the last 10 years but none have affected us like this.

I'm just going with the flow and letting all my feelings out - DH is trying to be strong but I think it will hit him when we get the ashes back.

beanielou

I would be so lost if I lost my Mr N.
I just love him to bits.

Eager_Elephant

Abbey offered me a balance transfer for my credit card - the limit is only £1100 so I have transferred £1045 from Halifax which leaves just over £1000 on there.

So I am going to concentrate on paying down the Halifax so hopefully they will offer me a balance transfer so I can transfer some of the Barclaycard balance.

Hopefully I will be able to start PAding again this month.

Eager_Elephant

I have the ashes back and I feel strangely calm about it all. We have made a mini shrine to him . The box he came back in is lovely, the plaque is lovely and they also gave us a card with a poem in and the vets included a packet of forget me nots - it was all so lovely.

On MSE front I have been back to the dentist for a filling so that is another £30 on top of the £17 the other day :eek: but the money is there so at least it is not going on the credit card :T

DH seems to be a different matter :mad:, I noticed that he has been bidding on ebay again :mad: - will have to put a stop to this :rotfl:

I think that is about it for now.

Eager_Elephant

So today I have managed to get £5 Amazon voucher from Swagbucks and £30 from Maximiles :j:T

Swagbucks have taken me since 14/5/11 but then I have not been getting my points every day unlike FF :rotfl:

Maximiles has taken me 2 years, just checked my reward history and on the 18/10/09 I claimed a £10 Argos voucher :rotfl:

I must try harder with Swagbucks :rotfl:

At least it is something towards Xmas :T

Eager_Elephant

Balances as per statements:

Barclaycard - £7302.99
Amazon - £1147.69
Abbey - £1074.60
Total - £9525.28

Reduction - £15.15 :mad:
Obviously I did a balance transfer so there was a fee included in this hence the small reduction.
See my next post for my other excuse for not paying more :rotfl:

Eager_Elephant

Changes are afoot in the Elephant household....

We have somehow found ourselves renting two houses :eek:, I can't go in to too much detail but suffice to say it is not a situation we can get out of at the moment well not until relative shuffles off this mortal coil :eek:

So at the moment we are decorating the other house so I spent £145 on paint and paint stripper etc.

The furniture will have to be done on the cheap so my new challenge is how cheap can I furnish a 3 bedroom house - it's actually going quite well at the moment, so far this is what I have:

Sofa - free from brother
TV & Stand - free from freecycle
Cooker - £20 (Gumtree)
Double bed with matress - £30 (work notice board)
Single bed - free (facebook)

So just another single bed, washing machine and fridge freezer and then I think I am sorted :T

It is the decorating that is taking the time but hopefully by next weekend 2 bedrooms will be finished and the carpets can be laid the following weekend - oh yeah that will be another expense.

I am so frustrated with my situation but I have to make the most of it. I can meet the minimum payments and some more but for the next 2 months it will be taken up with household expenses but from January it needs to get better :T

DH still has loads of debt and he is getting no where far so I have a cunning plan to sort him out but need to work out the practicalties of it :rotfl:

I have received the last of my maintenance this month but everything is still affordable so apart from being annoyed that he doesn't have to pay for his son I am fine with it.

Need to concentrate this month on the budget and try to clear another £200 from the Halifax card as this is attracting 17.9% interest whle the rest is at 6.9%. Then I will see about a balance transfer and a limit increase.

Eager_Elephant

Well as usual nothing in the Elephant household goes to plan.

Brought the carpets from the discount warehouse place - two carpets for £168 - everything was ok until they delivered them and we realised that we had been unable to see a pattern on one of them so would not match the room :eek:. Luckily they took it back and cut us some new carpet and they will sell the one we took back on their discount rail :T

DH's mate was coming to lay the carpet because it would be cheaper but of course it wasn't - he was here about 3 hours and some of that was taken up with drinking tea and chatting and then he charged £100 :eek:
I was on the point of tears as that was the only money I had for the week and to get some food shopping. I thought he would have charged £50 but DH says he is a bit skint so charged normal price :mad:. Plus we brought the carpet glue which was £4 a tin - got this cheap as we have a trade card with B&Q.

Then we popped to Tesco for some shopping, spent £50 - luckily DH had £20 in his wallet and I tried to use one bank card - it got declined - put it on the other which left that account short for DD's :mad:.
We took relative with us and he did his own shopping, he went to his own check out so I went to the car to unpack and DH comes running out, relative has forgotten his wallet so can't pay :eek::rotfl: , luckily he had spent £30 so could put that on my other debit card but now that account is also short for DD's :rotfl::eek:.
DH does have a credit card but we dont know the pin so can only use it for online transactions.

So this week I have about £5 to my name and will likely need petrol as I am travelling a 50 mile round trip to see a friend who has had a baby :mad::eek:

God my life is awful at the moment and last night I was so moody, DH asked what was wrong, I told him, he said 'Oh not that again!!!' and walked off :mad:. Guess he can't deal with matters and if I am struggling how does he cope.
DD was crying to DH saying that she did not want to be poor - this was after I told them that the money for the carpet bloke was all I had :rotfl:

Need to pull my socks up and get on with things. We can't keep worrying about debt all the time and lurching from one crisis to the other.

I feel a FS coming up although I did one before and posted about it up there somewhere and all it showed was that DH does not have enough for his outgoings while I have enough with some left over but obviously sorting the other house out is costing money:eek:. DH is coming up with even more ideas about spending money on the house but fails to see that it is my money and I want to clear my debt :eek:

BEAT_THE_DEBT

Hi i just read your last post and i know how you feel its just so draining! Chin up (easy to say i know) xxx