£25,000 to clear. Ready...steady...GO

Skintfoodie

Well..... extending OD a few days before pay day is better than earlier in the month...

No chance you can leave them there till payday though?

Beencounting

Hi Banwa

I've just caught up with your diary, glad to hear you enjoyed the wedding

I love the good things/bad things you write for each day, it's a great idea!

I'll be subscribing and will pop in to 'see' you

Been

666paw

*subscribes*

banwa

Skintfoodie wrote: »

Well..... extending OD a few days before pay day is better than earlier in the month...

No chance you can leave them there till payday though?

I need some of the grocery items I've ordered I would have to go shopping if I didn't pick it up, grrr

Beencounting wrote: »

Hi Banwa

I've just caught up with your diary, glad to hear you enjoyed the wedding

I love the good things/bad things you write for each day, it's a great idea!

I'll be subscribing and will pop in to 'see' you

Been

Yay! Thanks for coming by. Rising from the Ashes included a 'what I'm good at' post which I though was great so I sort of adapted that idea. It means I have spent the whole of last week thinking 'is this a Good Thing or a Bad Thing'?. I'm still doing an awful lot of Bad Things but at least I am now aware that they are Bad

666paw wrote: »

*subscribes*

Yay! Thanks

banwa

Good Things about today:j

• Picked up the groceries today and now have 5 weeks of cat food stocked up, cheap.
• Also the present we ordered for the friends is REALLY nice, I'm really pleased
• Got 5 items listed on ebay now. I did do some on Sunday but forgot to add them to the Good Things list so need to congratulate myself somewhere along the way. I HATE listing stuff on ebay. Although am somehow addicted to checking how it's going
• I have the heating on setting 3 and am nice and warm with no drafts. Still can't get over what a difference the new windows make. Last year at these temps I think the heating was on much higher and it was still cold in the house by evening (we have night storage heaters). So I'm hoping we will be able to cut the electricity bill this winter.

Bad Things about today :exclamati

• only 2 watchers over all 5 items on ebay. Still, it's early days

Overall debt remains the same

Banwa

banwa

Good Things about today:j

• Got 6 items listed on ebay now.
• Now have an item with 2 watchers and an item with 5 watchers and 1 whole bid (for 99p)
• Have had an offer of a bit of part time work over the school holidays,
• Confirmation that I will get a back payment for work I did during summer holidays, should be about £100.
• Lovely parents are giving me their unwanted double mattress and I was going to buy one in January so that's saved me a bit. Mattresses are dear.

Bad Things about today :exclamati

• Got new mobile phone bill. Now owe £450. I can claim a little back from work, but only about £10
• Blooming home phone payment came out of bank which is in all my budgeting but for some reason I thought it had already been paid out.
• So extended overdraft AGAIN

I'm normally not this bad, honest.

Roll on Friday

Banwa

Beencounting

You're not bad at all Banwa , you're just trying to juggle lots and lots of things! Take heart, your Good list is much longer than your Bad list - that's great .

Aren't parents great . My Mum was fantastic last month when we ran out of money and told me to pay it back when I was ready. Luckily I paid most of it back this month and should be able to pay the rest of it back out of next month's pay.

Keep up the good work, you're doing great

Been

banwa

Beencounting wrote: »

You're not bad at all Banwa , you're just trying to juggle lots and lots of things! Take heart, your Good list is much longer than your Bad list - that's great .

Aren't parents great . My Mum was fantastic last month when we ran out of money and told me to pay it back when I was ready. Luckily I paid most of it back this month and should be able to pay the rest of it back out of next month's pay.

Keep up the good work, you're doing great

Been

Thanks Been, I feel like an idiot so your words are very calming.

So





Good Things about today:j

• Got the mattress and it is great. Bed in spare room will be so much comfier for stepchildren this weekend.
• Dropped present around to friend this evening and he seemed really pleased with it
• Mr Banwa's hospital appointment went well
• Haven't extended overdraft today:rotfl:

Bad Things about today :exclamati

• Set off home at 8 30pm and the chippy beckoned us in. So my tum is very heavy and my purse is £9.20 lighter. Just bought food though and no pop. Still bad though

Have been having a good think tonight. It was over this £9.20 for fish and chips which I didn't really enjoy if I'm frank.
:idea:
I wondered to myself how far in real time the fish and chips set me back. At present we could pay back £1300 per month if we tried. There are, on average 730 hours in every month. So we are paying back £1.78 per hour. So those fish and chips sentenced us to an extra, unnecessary 5 hours and 10 minutes in debt. I'm going to try and think of every spend like this from now on.

Tomorrow will be a real test. It will be the first time I go for a proper grocery shop since LBM, and we have run out of quite a few things. ALso we have four hungry teenage stepchildren staying with us this weekend who can EAT:). We'll see

Good night
Banwa

rising_from_the_ashes

Hi banwa, just popping in to catch up - I don't know where the past week's disappeared to!:huh:

You're doing fantastically well

I really like the good & bad idea for each day - I'm only managing a weekly roundup!

Great news about the £10 - great to know there's still good people around :T and glad the wedding was enjoyable.


Re Christmas - all ideas for "difficult men" greatfully received here too. DF is terrible to buy for.:eek:

Hopefully that Vodafone debt is now gone :j - it's such a sense of achievement when you start to make headway into your debts / manage to clear one.

Will pop back in a few days ......:D

banwa

rising_from_the_ashes wrote: »

Hi banwa, just popping in to catch up - I don't know where the past week's disappeared to!:huh:

You're doing fantastically well

I really like the good & bad idea for each day - I'm only managing a weekly roundup!

Great news about the £10 - great to know there's still good people around :T and glad the wedding was enjoyable.


Re Christmas - all ideas for "difficult men" greatfully received here too. DF is terrible to buy for.:eek:

Hopefully that Vodafone debt is now gone :j - it's such a sense of achievement when you start to make headway into your debts / manage to clear one.

Will pop back in a few days ......:D

Hello again RFTA, thank you for stopping by:D

The Good and Bad thing I sort of [STRIKE]stole[/STRIKE] adapted from a post on your thread (the 'what I'm good at' one). I thought it was a great idea.

The present for my Dad is just a DVD for a TV programme I heard him talking about (saying he's seen one and liked it but missed the rest).It was cheap but I think he'll like it. Other great successes have been tickets to a premier league football match (surprisingly inexpensive) and also really nice whisky tumblers. I'll rack my brains for some more.

Vodafone bill not paid but only because I have had a long day. I'll do that by Monday evening at the latest I might do it in work time so I'm being paid for it:rotfl:(it is a work phone so that's not as bad as it sounds)

Banwa:)