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

MiaowMiaow

Right, new day and all that!!

1. [STRIKE]
2. take cat to vets 845am
3. [/STRIKE]list items on ebay - in the process of doing this now
4. meal plan for rest of week (try anyway!)
5. properly sort through finances - spreadsheet
6. pick up cat 4.30pm
7. try the snowball calculator
8. glass of wine (already have so dont need to buy!)
9. post parcel to friend

just having a coffee whilst the ebay listing commences - its such a slow process!!!! and all low value items
already eaten loads! cereal followed by 2 choc biscuits and its not eevn 10am! oops

Rock_Cakes

How are finding Ebaying? I have a few items finishing tonight, one has bids. Have a few more finishing, no bids just watchers!

What kinds of things are you ebaying? I am creating a pile of things for Ebay as I declutter. Considering putting the DH on there but I am not sure what kind of price I would get

MiaowMiaow

Another 10 items listed on ebay :-) so thats 28 in total now - what else can i find?
Just going to have a little break and a brew and do the washing up before i have another hunt .
Really pleased i have decided not to go to the bank and consolidate my od into loan as i think it would have been a mistake - just taken longer to pay off. Plus i have another 2 bank accounts opening soon so i can transfer money each month and know what i have to live on instead of obsessing over od in current account - so complicated!!

MiaowMiaow

Rock_Cakes wrote: »

How are finding Ebaying? I have a few items finishing tonight, one has bids. Have a few more finishing, no bids just watchers!

What kinds of things are you ebaying? I am creating a pile of things for Ebay as I declutter. Considering putting the DH on there but I am not sure what kind of price I would get

ha ha!! thats funny:) one item sold yesterday, one unsold which i will keep relisting! all sorts of things really - clothes (but only good quality ones/decent makes), jewellery, some electrical/gadget stuff sells well. to be honest it just depends who is looking to buy what that week! i often have to relist but i find that so long as you are completely honest with items - even mentioning a little mark on a bag etc then they still sell. its amazing what people will buy!!:) i dont have children but know thats kids clothes/toys sell well.

MiaowMiaow

34 listed on ebay now :-) got a few more but will try to fit that in later, off to do meal planning now and post an ebay parcel and something to my friend. Wondering how my cat is.........sure he is okay , its just a castration but the poor boy!x

burntfingers_2

morning

I am glad that you have decided against the loan as this would increase your indebtedness as they would give you the loan plus then encourage you to take out a little bit more as a 'cushion' plus with the interest you would be paying it back even longer.

Plus the only way this would work is if you cancelled the overdraft, but banks have short memories and would no doubt give you another which then leads to having a larger loan plus an overdraft :eek:

Your doing the right thing by having a clean bank account, pay back what you can each month to the overdraft, but ask them to reduce the overdraft each time before too long it will have gone....especially if you use the ebay funds too to clear it off...:T

MiaowMiaow

Yeh - will get there eventually!!
Everytime my OD gets lower I can decrease it myself on online banking and would be charged to increase it again so that should stop me!!!!

MiaowMiaow

[STRIKE]
take cat to vets 845am
[/STRIKE]:(
[STRIKE]
list items on ebay
[/STRIKE]:):)34 so far..............
[STRIKE]
meal plan for rest of week (try anyway!)
[/STRIKE]
TUES-Pancakes at Mums
Weds - chicken curry (chicken in freezer) going to make big batch so can freeze some
Thurs - Im going to a friends for tea but there is fish in the freezer for my brother
Fri - chilli - already made in the freezer
Sat - lasagna - sauce made in freezer, just need to buy cheese
Sun - sausage casserole
properly sort through finances - spreadsheet
pick up cat 4.30pm
try the snowball calculator
glass of wine (already have so dont need to buy!)
[STRIKE]
post parcel to friend
[/STRIKE] - cost £3.84 but she needed it as had left it here and lives far away.


Been to the post office 51p on ebay parcel, £3.84 on friends parcel and £1.72 on 12x second class stamps. total - £6.07

Been to local T express and bought -
milk 86p
sausages 61p reduced from £2.05(straight in freezer)
2 small rhubarb crumbles 44p reduced from £1.48 (straight in freezer)
topside beef for sandwiches 83p reduced from £2.76
total £2.74

so that s £8.81 to add to weekly spends but plenty of food in now apart from fresh veg which ive decided is cheaper to buy as and when i need it

burntfingers_2

Girl power :j

cool 34 ebay items....you will soon have that overdraft paid off in no time !!

Can you tell me where I can find the snowball calculator...please

Rock_Cakes

MiaowMiaow wrote: »

34 listed on ebay now :-) got a few more but will try to fit that in later, off to do meal planning now and post an ebay parcel and something to my friend. Wondering how my cat is.........sure he is okay , its just a castration but the poor boy!x

Get ready for some nasty looks. I remember when we had one of our cats done, he gave us the cold shoulder and some 'how could you' looks. But he got over it in the end