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Wols Riverbank Tales Pt 4: Restitution & Renaissance

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  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on radio signal.
    Im hoping for a new kitchen radio for my bday as mine is past its sell by date.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Wol2
    Wol2 Posts: 3,845 Forumite
    Part of the Furniture Combo Breaker
    Have eaten "roast" lamb steak/med veggies/tattie wedges - plus also roasted butternut squash for "onward processing".

    Very tired now - guinea meds and bed methinks

    Nite all

    xxxx
    Flooded 20/07/07 :(.
    Normal service FINALLY RESUMED 31/07/10 :j:j
    " It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
    Numptie groupie #2 :cool:
    Mortgage offset drawdown [STRIKE]£60861[/STRIKE]:(.... [STRIKE]£60074[/STRIKE] [STRIKE]£59967[/STRIKE] £65k 'ish 1/6/14

  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sleep well.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Wol2
    Wol2 Posts: 3,845 Forumite
    Part of the Furniture Combo Breaker
    beanielou wrote: »
    Great news on radio signal.
    Im hoping for a new kitchen radio for my bday as mine is past its sell by date.

    Oooohhh.....When's your birthday Beanie? - and you been dropping hints to anyone? ;)...I hope they take the hint and you will get a nice surprise on your birthday :D

    xxx
    Flooded 20/07/07 :(.
    Normal service FINALLY RESUMED 31/07/10 :j:j
    " It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
    Numptie groupie #2 :cool:
    Mortgage offset drawdown [STRIKE]£60861[/STRIKE]:(.... [STRIKE]£60074[/STRIKE] [STRIKE]£59967[/STRIKE] £65k 'ish 1/6/14

  • Wol2
    Wol2 Posts: 3,845 Forumite
    Part of the Furniture Combo Breaker
    LouiseJ wrote: »
    Glad to here that things went smoothly, take it easy and give yourself a bit of time to get over the procedure xx

    Hope you have lots of girlie chat time with KC today (no lifting mind):A

    Yoo hoo Lou :j:j

    Hope all OK up in your neck of the woods? and weather isnot too bad as you seem to have got it in the neck the last few weeks :(

    I am counting my blessings that so far, it has missed our little microclimate down here each time - sometimes only by 10 miles. But do I feel guilty? (Well it really IS someone else's turn in the UK methinks :whistle:)


    xxx
    Flooded 20/07/07 :(.
    Normal service FINALLY RESUMED 31/07/10 :j:j
    " It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
    Numptie groupie #2 :cool:
    Mortgage offset drawdown [STRIKE]£60861[/STRIKE]:(.... [STRIKE]£60074[/STRIKE] [STRIKE]£59967[/STRIKE] £65k 'ish 1/6/14

  • taxi73
    taxi73 Posts: 20,815 Forumite
    So glad the weather didn't get to you Wol xx
  • Wol2
    Wol2 Posts: 3,845 Forumite
    Part of the Furniture Combo Breaker
    taxi73 wrote: »
    Great news on the funding and loads of lovely work...that must be a relief.
    Hope the CC PEOPLE PAY OUT soon and that the complaint to the ombudsman results in a fair outcome xxxx

    I have to admit to being a tad relieved Taxi that the income will start to come back in - as my finances are in a bit of a serious state atm having had to transfer over another wad from the business account today to cover the bills for the next couple of months.

    I am clearly still in denial about my financial situation and haven't had my LBM yet. With the best will in the world, I won;t earn enough this coming 12 months to cover my outgoings (and that assumes i have no more horrendous vets bills like last year which aounted to an extra £250+ per month :eek:).

    So as of today I am starting to take stock and work out the best ways forwards.

    First things first - the 0% Barclaycard runs out in October. I have amassed a further total of £603.85 in terms of cash backs, credits etc that is being sent today towards paying this off and bringing the balance as of 13th Sept to £2748.43 at which point I will amend my siggie. Although it is tempting to look for another 0% BT - the 3% fee does not make it cost-effective so i may as well bite the bullet and pay this off from my mortgae offset and then i don;t have to worry about it.

    Hopefully by then I will have cash from the sale of my golf clubs and also possibly my stamp albums (booked appointment with Stanley Gibbons in London for mid Sept) to go towards it.


    Unofrtunately the CC payment for the oak floorboards (different CC to the Barlaycard) has already been "temporarily credited" to the account (whatever that means) so doesn;t factor into any equations going forwards as it just means they took less from me to pay off the monthly bill last month :o.

    I have been doing lots of thinking today about how to make ends meet these next 12 months - (but precious little else such as cleaning :o....piggies are now very stinky_pale_).

    Will work out some more sums and come back later with some cunning plans.


    Hope you are OK Hun - will pootle over to your diary later to check :kisses3:

    xxxx
    Flooded 20/07/07 :(.
    Normal service FINALLY RESUMED 31/07/10 :j:j
    " It is a mistake to think you can solve any major problems just with potatoes." Douglas Adams...."or the FOS" Wol2
    Numptie groupie #2 :cool:
    Mortgage offset drawdown [STRIKE]£60861[/STRIKE]:(.... [STRIKE]£60074[/STRIKE] [STRIKE]£59967[/STRIKE] £65k 'ish 1/6/14

  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Soon Wol!!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Nargleblast
    Nargleblast Posts: 10,763 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Debt-free and Proud!
    Whoa, Wol, you never stand still, do you? Page 4 of your diary already! Hope you are recuperating from your op and will be fit in time for the family visiting. I too am expecting visitors later this week for 4 days over the weekend, so that's 4 lots of breakfasts, lunches, afternoon cakes and dinners to plan and shop for. Thank goodness it's payday on Thursday!
    One life - your life - live it!
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Nowt on my diary ...can be summed in one sentence...went to bank and shops in wig and was scared of it blowing off in the wind and rain...that's my whole day.

    Glad to see you working on the figures.
    You must have loads of stuff to do a store cupboard challenge at least.

    good luck on the sales ...hope you get good prices

    hope the brain storming throws up plenty of cunning money making plans
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