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A new start for a newbie

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  • Whoop it's nearly payday xx
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    hope you get tax credita sorted out ok, well done on no spend day xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • A big spend day today as its my sons birthday, a whole 19 years! He wanted cash, so it took a bit of shuffeling around this morning. I wrote to the Tax Credit section yesterday as I just couldnt get through on the phone, made them an offer of £20.00 per month. I got home to a gas bill of £42.00 which is quite small! and a request from son#3 for £40.00 deposit for a school trip, luckily his dad paid it but I still need to find the other £110.00.
    Porridge for breakfast today, bought by my lovely OH! I bough fresh orange into the offioce from home too!
    Might need to pop out and get headache tablets at some point though. Take care xxxx
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • vintage43
    vintage43 Posts: 386 Forumite
    edited 24 September 2012 at 7:50AM
    Yey a letter from Childbenefit reinstating the second payment for a year with a refund of £40.20.

    Things I need to do this weekend
    Go for a walk and a picnic with the dogs tomorrowWe had a great time, waterfalls and little rivers to splash in!
    Wait in for the lady who is going to buy my flat screen TVYep! £30
    See if I have any ticket bookings for the Afternoon tea event I'm holding2 definates and 6 possibles
    Strip off a bit more bedroom wall paper.Didn't do - not enough time!
    Go to a friends birthday celebrationWhat a lovely evening with some great people
    Carboot on Sunday - Last one of the season
    Buy Icecream and get cakes out of the freezer for our family birthday celebration
    Host a full on Family Roast Dinner!!Enough left overs for today!
    Have a try of Wii yoga!??!Did 2 hours in total of exercise and an hour and a halfs walk with doggies
    Put some money in a sealed jar for xmas, Ho! Ho! Ho!:xmastree:Not going to be able to do this just yet as I got the estimate to repair the front wall of the house £1800 eeek!
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    thats good news about CB, as they say everybit helps, have you left anytime for you over the weekend, sounds hetic. xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • Well after finding out that the repairs to the front of the house are £1800 I am today going to be focussing on how to get that money together, hopefully post some ideas later
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • We managed to sell £150 of things using the facebook sale page, it's really good, there is probably one in your area, then I went and spent it on the same page on a wood burner, we have all the fittings here for one, just hoping it turns out to be a cost effective investment x
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • vintage43
    vintage43 Posts: 386 Forumite
    edited 26 September 2012 at 8:04AM
    Pay day today so I have paid the following
    £150 off CC
    £110 off Next
    £120 Council Tax
    £20 parking for van

    I also need to pay off a College trip of £75 and another of £26 (Paid!), and the mortgage of £755.
    Chimney sweep coming on the 6th in preparation for the woodburner to be fitted, that is £40.00.Booked for 6th £40
    I was planning to go to a school reunion this weekend,Cancelled) over 90 miles away, I might have to give this a miss as my budget this month is stretched as tight can be and I still need to find the pennies for the wall repairs. EEK! It's all a bit frightening, but needs to be done before winter.
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
  • Well done Vintage - that will make a dent.

    You'll love having a wood burner - best thing we've every bought for our house. So cosy on winter evenings and I swear they make wine taste better :rotfl:

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • vintage43
    vintage43 Posts: 386 Forumite
    edited 27 September 2012 at 3:39PM
    Well the removal of all the mortar between the bricks starts today, I'm so glad I'm in work, I have -£965 in the bank and need to raise approx £2,000 within 5 weeks, anyone got any ideas, I dont have anything left to sell and am a bit scared now!

    I am going to try the 1% method see if that works, now I just need to find the link on here
    vintage43:A
    NSD 42/365 2012
    - A new start for a newbie
    Next - £1033.62 :( Barclaycard - £5683 :( Mortgage - £125471 :( Overdraft - £903:eek::(Loan £3562 - :( Total Debts = £10179 Monthly shopping £100 spent so far £12.65
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