301k in debt and morbidly obese - things aren't great!

beanielou

Glad things are looking up

Northern_Lassy

MrBloater wrote: »

96 items on eBay, very low spend day considering it was a day out at a castle with wife, mother-in-law and the two littlies. Tomorrow morning am going to multi-task, promised the kids a tent day - and hopefully in digging said tents out of the shed, might find some stuff lurking in there that I can sell. So things are looking up.

Impressive stuff...will there be anything left at Bloater Towers?? Personally I like the minimalist look anyway x Hope you haven't been tempted to sell the Mother in Law yet as that would be very naughty.
Good luck with your listings, hope they net you lots of extra pence.
Happy Easter x

MrBloater

MSEing is a series of lessons for me. After scouring the flyers last night, we had pinpointed where was cheapest for what essentials we need to get through the week, the lesson I learnt today (gleefully pointed out to me by the shop assistant who also happens to be a neighbour and sends her kids to the same school as my daughter) was that you can't buy white wine at 7.30am. "You can come back at 8" she said, "it's not that long to wait". My increasingly blustered reply - it's not for now, it's not even for me - did nothing except make me look even more defensive and dodgy. And before anyone states that wine is not an essential - try living with my mother-in-law.

Igamogam

MrBloater wrote: »

PPI is the elephant in the corner. I'm really unsure about this one. I did have a loan from my bank starting back in 2002ish and I know it had PPI on it. However the following things are making me hesitant about claiming.
1) I don't have statements or paperwork going back that far so have no way of knowing exact dates/amounts
2) The bank have been brilliant with me, took me on back in 2000 when nobody would touch me (the late 90s Bloater was not very clever with money either) and I have a substantial overdraft with them, a current unsecured loan , my mortgage through a subsidary of theirs and a credit card. Now if I claim the PPI back who's to say I won't suddenly get my OD limit cut etc??

Mr B this is a temporary hiccup. You where on track once before and you can do it again - seriously. You have the where with all.

PPI - we where virtually in the same position as you ( except I wouldnt call our bank nice - 30 years with them and they give nothing for loyalty:mad:) So we went for it and nobbled them good and proper for everything they took plus interest - they pretty much rolled over and gave us the money without question - we didnt have any paperwork either. After that they wanted to lend us lots of money we didn't need and even tried to tell us that we could consolidate our CC debts into one loan at 6.9% even though we told them that our CCs debts where currently at 0% for the next 22 months so what was the point of paying 22 months interest at 6%................the woman in the suit behind the sleek desk and the impossible nails just did not undertand:eek: I shouldnt worry about your OD and just fill in the PPI form ( its here on MSE) and send to your bank - some banks have the same form on their websites - Ll*yds in particular;)

Good luck Mr and Mrs B

kelpie35

Hi Mr B

This is just a suggestion on another way to make some money.

If you have a facebook account it might have a see=lling page in your area.

Where I stay is is called Facebay than name of town.

I have used it to sell and buy and have managed to get some really great bargains. :j

Hope this helps putting coppers in the purse :beer:

MrBloater

Will check out facebay later - think that might be a good substitute for a car boot sale. One thing I do wish we would copy from our Atlantic cousins is the tradition of yard sales. It'd just be nice to shove a whole load of junk in the driveway one Saturday morning and get people coming over. Although of course I do suffer from the problem that not only do I live in an obscure cul-de-sac, but my neighbours all think I'm either an alcoholic or someone who visits the local knocking shop at ungodly hours. £15 worth of ebay sales so far on 3 items. Only other 94 to go. You never know, I just might be able to foot that nursery bill sooner rather than later....

taxi73

I agree about the yard sales being a good idea.I don't know why they don't allow them though.

MrBloater

Maybe it'll be my next campaign - seeing as the Two Stone / Two Grand challenge was taken on so enthusiastically (that is a difficult word to spell when you've been up for two hours with hyperactive little Easter bunnies) by everyone apart from myself, I'll launch the great Yard Sale drive. And then probably not show up to my own one.
Have been keeping very quiet on the weight, not least of all because I am yet to weigh myself, but I must say that in terms of the paunch, the magnitude and depth of the folds of extraneous Bloater is severely reducing each day I'm not eating bread.

greenbee

I don't think there is any rule that says you can't have a yard sale, it's just that we don't have a lot of them. I do occasionally see signs for them, but you won't get people going out specifically looking for them like you do in NZ or the US. I guess you could put something in your local free ads. You could even speak to the neighbours MrB and see whether anyone else wants to do one and then have a cul-de-sac sale That way you could get everyone promoting it on FB, putting flyers on lamposts and sticking up signs so people knew where you were....

BTW - car boots are usually worth the pitch fee if you are organised and have everything carefully packed up so you can display it easily. It's probably worth going along to your local one for a look at what sells well. Don't take stuff that would make money on eBay though. I found it good for getting rid of the real tat... Old car radios, clothes and shoes not good enough to eBay, glasses, crockery, cutlery, pots and pans, tatty cushions, rugs and throws, half-burned candles, half-used nail varnish... So it's kind of last stop before the tip...

Kei

I just wanted to second the car boot sales as I have had loads of success in the past with getting rid of all the clutter that just wont shift on ebay or is not worth the time and effort to list. My advice is to expect a low price for everything, for example on a rail of old clothes (nothing with a good label attached) i put a sign out for 50p an item and almost the whole rail was gone by the end.

Anything you don't sell can be dropped off at the tip as per the advice of greenbee.