small steps and a fresh start......my journey starts here

keggie

Glad to see you are still making progress with your plans and that you've got your bank accounts sorted. You're still doing well with Ebay - I'm taking it much slower (lazy really) only listed 2 things to date but both have sold. I've finally managed to get enough points for a voucher on survey site - your survey seems a better idea in that it seems quicker!

Good luck with the weight loss.

MiaowMiaow

Hi Keggie :-)
keep it going with the ebay - it is so boring listing but exciting when it gets to the end of the auction!! ooh i cant wait till i get a survey voucher!!

I have a hideous cold this morning :-( coughing and spluttering everywhere even the cats are running off!!

not sure what the plan is for today yet - last night i spent about £15 out for tea which is bad but was really nice evening with the company of a really nice man :-)

i need to wrap and post some ebay parcels and really need to go to library - i had forgotten about my books and they are overdue so mad with myself about that !!

need to tidy up the house and catch up on some more washing too. hopefully it will be another sunny day!
xx

MiaowMiaow

MiaowMiaow wrote: »

[STRIKE]I have applied for 2 basic bank accounts - once paperwork arrives sign and post back asap[/STRIKE]
[STRIKE]Car insurance - cancel brother on policy as he has now bought a car[/STRIKE]
[STRIKE]Cancel equifax - may have to ring up[/STRIKE]
I have a savings account somewhere with about £35 in it - locate and get money!! still working on - wrote a letter but they said to go online but as it is a xmas savings account it is not accessable at the moment:eek:need to ring up

[STRIKE]
Food petrol and spends £250 starting March 28th - speak to brother re food - spend as little as possible. until this date continue to use 0% m&s CC as cheaper than OD
[/STRIKE]
[STRIKE]m&s credit card 0% ends November 2011 - ensure this is in diary to swap the month before - maybe to halifax if same rate (5.6% for life of balance)[/STRIKE]
mortgage - switch??? we were paying about £760 but when brother was made redundant before xmas we swapped from 30 yr to 35yr mortgage - ideally will want to go back to 30 yr. still need to look into this

try to use the gym - otherwise cannot justify the cost. - not going too well:(

[STRIKE]
ebay ebay ebay!!!!
[/STRIKE]
clear out garage (need help as there are spiders!!) - anything for ebay or car boot? - still need to do this

[STRIKE]
any extra cash into HSBC OD
[/STRIKE]
look into getting pet insurance for my 2 cats - may be worth it in the long run and save future costs?? - not sure yet

[STRIKE]
do things that make me happy - read, listen to music, keyboard
[/STRIKE]
start my learn cantonese cd still not started!!!

[STRIKE]keep up with spending diary[/STRIKE]

Rock_Cakes

That a lot of things crossed out well done you!

If you are not going to the gym then why not cancel and it try and walking a bit more? Just seems a waste seeing as your not using it. Plus spring seems to be here, do you really want to be indoors when you could be enjoying the sunshine. BTW I am fully aware I have now jinxed the weather with this statement.


xx

MiaowMiaow

Rock_Cakes wrote: »

That a lot of things crossed out well done you!

If you are not going to the gym then why not cancel and it try and walking a bit more? Just seems a waste seeing as your not using it. Plus spring seems to be here, do you really want to be indoors when you could be enjoying the sunshine. BTW I am fully aware I have now jinxed the weather with this statement.


xx

oh no i hope you havent!!!! its been lovely today again:) I know - I pay £33/mth but struggling to find the motivation. Going to give myself another week to see if i use it. i know if i get into a routine i will go but its just getting there....:eek:xx

MiaowMiaow

Well i had to have a little sleep this afternoon as very groggy with my cold and have toothache now too :(:(

I have just filled in a tax rebate form to checdk if i am on the right tax code - you never know!

struggling to access online accounts for my new bank accounts - keeps saying they are currently not available which is very annoying.:mad:

working tomorrow and all weekend - going to cook a batch of pasta to take for lunches :-)

Need to organise work clothes tonight and get myself ready !!

xx

keggie

Sorry to hear that you're not feeling too good, perhaps work will be the best place? Shame to waste days off feeling ill!

We both used to have gym memberships but couldn't justify the cost - we now have a cross whipet/greyhound to walk, a rowing machine and I do pilates (half the cost of which is refunded through hospital fund). My BIL however is also hard up but gym is cost effective for him as he goes every day, socialises there and showers etc so spends nothing on heating - but then he is single.

burntfingers_2

Hope your feeling a little better today...:)

I applied for a refund on my tax as I had followed the instructions on here and told them my change of address....so far I haven't heard anything back but thought that this could be because of the new tax year fast approaching but I calculated that they owed me £400 ish...funny how they are fast to take it off you....so will need to follow that up with a reminder letter me thinks....

Hope the weekend isn't too much of a struggle work wise especially as you aren't feeling so good....

I always find that when you have been off from work a while when you go back you just get all the bugs that are going around....so maybe your immune system is a bit on the low side....hopefully with the new healthy diet you will start to see the results shortly.

Keep your chin up and keep smiling...onwards and upwards

MiaowMiaow

keggie wrote: »

Sorry to hear that you're not feeling too good, perhaps work will be the best place? Shame to waste days off feeling ill!

We both used to have gym memberships but couldn't justify the cost - we now have a cross whipet/greyhound to walk, a rowing machine and I do pilates (half the cost of which is refunded through hospital fund). My BIL however is also hard up but gym is cost effective for him as he goes every day, socialises there and showers etc so spends nothing on heating - but then he is single.

thanks Keggie:) was better being at work today. I really need to either go to the gym or give it up! hope your okay xx

MiaowMiaow

:)xx

burntfingers wrote: »

Hope your feeling a little better today...:)

I applied for a refund on my tax as I had followed the instructions on here and told them my change of address....so far I haven't heard anything back but thought that this could be because of the new tax year fast approaching but I calculated that they owed me £400 ish...funny how they are fast to take it off you....so will need to follow that up with a reminder letter me thinks....

Hope the weekend isn't too much of a struggle work wise especially as you aren't feeling so good....

I always find that when you have been off from work a while when you go back you just get all the bugs that are going around....so maybe your immune system is a bit on the low side....hopefully with the new healthy diet you will start to see the results shortly.

Keep your chin up and keep smiling...onwards and upwards

Thanks BF:) I think you are right about my immune system - just picking everything up ! but hopefully after a few more weeks ill be back on form getting some early nights whilst working this weekend to help i think.
The tax people certainly are quick to rectify underpayments!!!! hopefully we will both hear something soon :)xx