I have more than enough for my needs BUT I really WANT a landrover

Different_Corner

Cheri
I'm not sure about the paint thing, my rule is if has a yoghurt consistency after stirring then it's usually okay. I'm sure there is a much more technical description !
I think it all depends on where it's been stored etc etc.

I don't believe in failures either, you can't learn to do it right unless you do it wrong first ))

MrsMoo2U

Thanks DC, I will try that method and if it doesnt look like yoghurt then it is off to the tip. It has been there for 6 years!

On another note, I am to say just a little upset (underestimate) to say the least. OH is in London from today until next Monday when he returns to his job and living away from home. He has just announced that he is also away the following weekend and therefore I will not see him at all until I arrive in London for our little jaunt. This means that I wont have seen him for three whole weeks! He doesnt understand why I am upset and thinks that I am being unreasonable for being upset. I know that it isnt his fault that I have no friends here but it really does get to me when I have gone for so long without having another human being to talk to. This working from home lark has not really done anything to encourage me to have a social life.

Note to self - find some kind of activity to sign up for asap.

MrsMoo2U

Just phoned Northern CRock - I have a flexible loan with them, taken out so that if I could I would pay it off early thus not incurring too much interest. I just asked for a settlement figure which they gave as £1013.91. They say there is 12 months left to run @ £86.52 per month which I equate to £1038.24!!!!! So if I wanted to pay it off early I would only be saving myself ££25!!!!!!!!! How is that right? Am I being a bit thick or shouldn't the settlement figure be less based on the fact that I wouldnt be accruing the interest between then and now? I asked them to send a breakdown in writing so that I can see how that is.
So the question to myself is:
Is it worth paying this off and releasing £86 per month to go towards my Virgin CC which will reduce the interest rate considerably on that whilst only actually saving myself £25 overall by paying it off.Or should I carry on paying the £86 per month to Northern Crock(of ....)?

Decisions, decisions. I dont seem to be able to see the wood for the trees today!!!!!!

MrsMoo2U

And the saga that is today continues!!!!!!! Just logged onto my bank account again because I couldnt understand why my funds are so low OK, so I am waiting for some expenses to come back in but I shouldnt be that low. And low and behold I am now overdrawn Aaaaaaarrrrrrrrghhhhhhh. Turns out the pet insurance has taken my Direct Debit twice!!! So one hour later and 4 phone calls, I finally got them to admit that they had made a mistake. They said it would take 10 DAYS to get it back to me, at which point I lost the plot. They ended up putting me through to a Manager because I was abusive :eek::eek: I tell you I was polite considering, I just told him he was a bit thick. If they had to deal with some of the customers that I have dealt with over the years and they think I am abusive then Mercy help them. Anyway, after much arguing, they advised me to phone the bank and make an indemnity claim for unauthorised payments, which I did and the money has gone straight back into my account. The bank will then reclaim the money from them.

No wonder people end up in a mess, I am anal about my accounts so I do know where I am up to and as this was my bill paying account then I knew something had to be wrong. These companies pray on the vulnerable. Some people who are in dire straits might not have noticed that payment going out until way down the line, thus incurring further charges. It seems to me that these companies wait for somebody's nose to hit the watermark and then go after them like piranhas. I know that I am so much luckier than most people in being able to keep on top of this at the moment but I can see how easy it is for people to go under. I am so bloomin well angry right now for all of those people that are treated like carp.

Sorry rant over. Now i will go to the forest and calm down and when I come back I will carry on shredding this mountain of paperwork that I wish I hadnt started to sort.

Oh Joy.

Adversity has the effect of eliciting talents which,
in prosperous circumstances,
would have lain dormant.

~ Horace 65-68 B.C. ~

Mags30

:wave: Just been catching up with your diary.

LOL at the blackberry bush incident, I expect you must have been really bruised and sore though.

You seem to have achieved loads in August, declutttering is hard work.

Somebody mentioned Elizabeth Gilberts Eat, Pray, Love. As far as I know the film is out here mid September. We need to have a virtual film night for all us Secret/self-help fans!

MrsMoo2U

Hi Mags, yes the blackberry bush incident was quite funny and yes it did hurt but I did find myself giggling to myself as I wandered back to the car. I am sure if anybody came across me they would have thought that I was the mad witch of the woods the state I looked and cackling away to myself. Maybe it was hysterics but I really couldnt stop giggling. I think that the bump on the head didnt help either.

Yes somebody mentioned that film. I like the idea of a virtual film night. I have some popping corn if anybody fancies sharing it. Should we have salted, sweet or both?

vasseur

cherisong wrote: »

And the saga that is today continues!!!!!!! Just logged onto my bank account again because I couldnt understand why my funds are so low OK, so I am waiting for some expenses to come back in but I shouldnt be that low. And low and behold I am now overdrawn Aaaaaaarrrrrrrrghhhhhhh. Turns out the pet insurance has taken my Direct Debit twice!!! So one hour later and 4 phone calls, I finally got them to admit that they had made a mistake. They said it would take 10 DAYS to get it back to me, at which point I lost the plot. They ended up putting me through to a Manager because I was abusive :eek::eek: I tell you I was polite considering, I just told him he was a bit thick. If they had to deal with some of the customers that I have dealt with over the years and they think I am abusive then Mercy help them. Anyway, after much arguing, they advised me to phone the bank and make an indemnity claim for unauthorised payments, which I did and the money has gone straight back into my account. The bank will then reclaim the money from them.

No wonder people end up in a mess, I am anal about my accounts so I do know where I am up to and as this was my bill paying account then I knew something had to be wrong. These companies pray on the vulnerable. Some people who are in dire straits might not have noticed that payment going out until way down the line, thus incurring further charges. It seems to me that these companies wait for somebody's nose to hit the watermark and then go after them like piranhas. I know that I am so much luckier than most people in being able to keep on top of this at the moment but I can see how easy it is for people to go under. I am so bloomin well angry right now for all of those people that are treated like carp.

Sorry rant over. Now i will go to the forest and calm down and when I come back I will carry on shredding this mountain of paperwork that I wish I hadnt started to sort.

Oh Joy.

Adversity has the effect of eliciting talents which,
in prosperous circumstances,
would have lain dormant.

~ Horace 65-68 B.C. ~

This annoys me so much. If for any reason you couldn't have paid they would have cancelled your insurance - I doubt if they'd have given you 10 days to pay the money. It certainly pays to be on top of your accounts. My bill account has just the exact money to cover all the D/Ds so I too would know something was wrong if it went O/D. You gotta love online banking

Sorry you're not going to see your OH as soon as you hoped. Think how lovely it will be when you do get together. You'll have painted half the house by then!

Would you like me to send you over one of my (becoming infamous ) pavlovas as some comfort food? They come highly recommended.....

MrsMoo2U

Thanks Poles. Pavlova would be just lovely. You are so right about cancelling the insurance. That happened to a friend, he was away from home, his DD bounced, he didnt know or have a clue until he was stopped by the police and accused of driving without insurance. He argued it out, showed them the docs (he was living away from home so had the docs). Turned out that they had cancelled the insurance a couple of days before so he hadnt a clue. Police car picked it up on computer when he was driving past them. He ended up with 6 points on his licence, £300 fine and now his insurance has doubled and some companies wont even quote for insurance! I get so mad. The world is full of shysters and they prey on the weak and vulnerable. Whoever thinks that the class system is dead needs a good talking to. Sorry rant over, I am just so fed up of banks, insurance companies and finance companies as I have just seen my friends lose their house through no fault of their own due to illness. Add to that the fact that the "solicitor" acting on their behalf has walked away with £84000 in fees whilst they ended up with £5000 after repaying benefits claimed, lost their house, jobs, and sanity and it just makes my blood boil.

I know that it will be lovely to see him when we do get together. I am just having a bit of a down day. Money is annoying me at the moment but that is usual for the end of the month because I go into Monica mode. What makes it worse is I have just listened to two proms tonight and they were both fab. I had originally planned to go this weekend. Why is it that I am the sensible one and stay home to save money whilst OH (who believe me is in a much worse financial state than me) just thinks Oh Well, and off he tootles. Also I guess I am a bit put out that he is going three weeks running of which I will only get to go once. It doesnt help when he phones me from the bar to put all of our friends on to say hi! I know he means well but it just makes me feel even more pants.

I cant balance my books at all tonight. I think I am going mental. I have had so much money moving around accounts this month to pay for things and waiting for expenses to come in. I have worked out though that I have spent a grand total of £12.75 on treats for myself and £10 of that was on the table. Oh well tomorrow is a new day I will just have to start all over again. I just hope that I can sleep tonight as I havent got a full nights sleep since Monday and I am really flagging.

MrsMoo2U

Oh what a beautiful morning,
Oh what a beautiful day,
I've got a wonderful feeling,
Everything's going my way.

Today is a brand new day, I am awake, the sun is shining and I am going to tackle the world.

Yay, its Friday, what a delight. Just a few hours paperwork to do today and then I have the day free to do as I please. If the rain stays off I may even get to spray my ottoman. Who knows.

Checked the bank, the indemnity payment is still there (phew) and OH's housekeeping share has arrived. I can breathe. Still not quite balancing the books but today I will not stress, No siree, today I will be a picture of calmness.
I feel so good I am even going to put some makeup on today. I know, it is extravagant wearing makeup when only I will see it buy hey, I feel like being a bit glam.

right off to splash in the stream then switch that computer on, turn the radio up loud and have a singalong a work budgets day. Maybe that is how I should try dealing with my personal budgets.

Mmmmm wanders off picking up car keys door left whilst pondering the missing balances.

Edit - forgot to mention, my final offer for severance came through. Part of it will be taxed, (drat) so now I have to make the big decision before 6th of September - do I withdraw from the process or carry on?

Returns to wandering off and exiting door left.

Cheery_Daff

Hope today is a little calmer for you cherisong, it's so difficult to make sense of things when you're wound up and lonely and tired! xx