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Saving for a new Horse!

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Comments

  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning, slopes in as not a DFW weekend :o

    Saturday did hoss, went to see good friend new house then babysitting for sister, got fat kebab as didnt have time for dinner, so fattening and way too expensive :cool: My saturday, everyone out partying and theres me dancing to clubland TV with my 2 year old nephew :rotfl: Good to catch up with old friend and must make more of an effort to go see him and hit the town.

    Sunday had to make an emergency supermarket run as forgot it was fathers day :o, £118 later :eek: bought 3 tops, OH bought new headphones for his pc, few bits of food as well, cupboards well rammed now. No ebay undertaken either, but did re-list a few items that didnt sell.

    Today will be a NSD, doubly because I have left my purse at my sisters house, but need to recoup somewhere. Lunch is from home, no need to spend this week apart from topping up car tomorrow, hoss has plenty of food till end of month, mortgage out today and OH is working. So a better day :)
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning world, its sunny, Oh not working so did hoss so I had a lie in :D

    Was down yard last night and there was a trainer doing a session with some students, there is session next week that could attend, but its £45 so not cheap and didnt want to spend money unless it was any good so while they were doing the practical session hung round and was being nosey, well it was very funny, the hoss in the school wasnt really taking a blind bit of notice and the way they were training and then saying what they were doing it was all a bit of a farce, would have loved to have had my old pony Baldrick there because would have got him in there and he would have point blank refused to do anything, would have been fab to watch :rotfl: Well at least its £45 saved as definitely not doing the course next week as dont see any point as my new hoss is turning out to be like my old one, kind and sweet but stubborn and no amount of training and bonding will change that, what I am doing with her is working really well and will carry on :D

    No money to be spent again today, lunch bought in and nothing needing to buy. Have bid on ebay, need to work out courier postage but if it sells is £70 odd after fees :)
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Baldybear wrote: »
    Morning world, its sunny, Oh not working so did hoss so I had a lie in :D

    Was down yard last night and there was a trainer doing a session with some students, there is session next week that could attend, but its £45 so not cheap and didnt want to spend money unless it was any good so while they were doing the practical session hung round and was being nosey, well it was very funny, the hoss in the school wasnt really taking a blind bit of notice and the way they were training and then saying what they were doing it was all a bit of a farce, would have loved to have had my old pony Baldrick there because would have got him in there and he would have point blank refused to do anything, would have been fab to watch :rotfl: Well at least its £45 saved as definitely not doing the course next week as dont see any point as my new hoss is turning out to be like my old one, kind and sweet but stubborn and no amount of training and bonding will change that, what I am doing with her is working really well and will carry on :D

    No money to be spent again today, lunch bought in and nothing needing to buy. Have bid on ebay, need to work out courier postage but if it sells is £70 odd after fees :)

    :rotfl: Good idea staying to watch a session before committing to the payment.

    Well done on the NSD and the fleabay bid

    BFN Gx2 x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    The Captain is also brilliant at making experts look anything but :rotfl:He has a certain tilt to the jaw that tells me he isn't going to do anything they want him to. We had a fairly well known dressage queen down quite a few years ago and she borrowed the Captain to demonstrate leg yields.....he did a leg yield all the way to his stable, with her still on his back and calmly started munching on his haynet :o

    I tend not to volunteer him for demonstrations these days....
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Piquant, glad its not just my horses that are stubborn little mules!! New hoss is turning out exactly to be the same ;)

    MSE wise I am £5 in credit on my credit card, makes a change :D Came about by stupid dd min payment coming out when I had already paid the balance in full. Cant be bothered with getting it back, was looking at booking concert tickets for a gig in November, so will go ahead with this and use this card to pay for them and then just pay the remaining balance.

    Lunch bought in today but wont be a NSD as need to get fuel later but all budgeted :)
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning, yesterday was a NSD as couldnt be bothered to get fuel, today wont be as going out to get some much needed chocolate shortly. Will get fuel Friday probably.

    Need the chocolate as men in office today, all i can say is :mad: with a double bit of :mad: Seriously just cos boss has had a moan at you and things arent going great there is no need to take it out on us minions, we are under just as much stress and on carpy pay, even more than yours but we are here and dont yell or are not rude at each other :mad: Seriously they are totally a different species :cool:

    Rant over, chocolate to be consumed and lots of happy time with the hoss to look forward to :)
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Baldybear wrote: »
    Morning, yesterday was a NSD as couldnt be bothered to get fuel, today wont be as going out to get some much needed chocolate shortly. Will get fuel Friday probably.

    Need the chocolate as men in office today, all i can say is :mad: with a double bit of :mad: Seriously just cos boss has had a moan at you and things arent going great there is no need to take it out on us minions, we are under just as much stress and on carpy pay, even more than yours but we are here and dont yell or are not rude at each other :mad: Seriously they are totally a different species :cool:

    Rant over, chocolate to be consumed and lots of happy time with the hoss to look forward to :)

    Oh dear, sounds like there is something in the water this week. My boss' boss was stroppy with him, so he took it out on us. Luckily it stopped there, as who knows where the spiral would have ended if we'd taken it out on our clerks.

    Chocolate sounds like it was very much needed x

    BFN Gx2
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning TFI Friday, hope colleagues are better today as they were really petty yesterday, I dont have anyone to take it out on, only OH, who then gets in a strop :(

    Payday today and unlike lots of other NW customers looks like my salary has gone in :) No payment out for VW finance so getting OH to check when that is due. Must get fuel today as nearly on the red but glad managed to eek it out as mean didnt impact on last months budget.

    Nothing planned over the weekend, must ebay, I know I say this every friday but I WILL do it somehow.
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning, is it monday already :cool:

    First payment for VW finance today so thats £155 of the debt :)

    Was good over the weekend too saturday went to local fair thing, spent few pounds but out of £2 coins I have saved so at home so no extra money taken out of bank. Sunday didnt spend a penny and was very good and actually listed 6 items on ebay :j Still lots more to do but pleased with myself as havent done any for ages. Got few watchers on already which is great. Big item sold on ebay over the weekend so thats another £70 to pay once fees are taken off.

    OH spent on his credit card, probably around £400 on there at the moment :( But this was to pay for retest, which he passed :D so now can look for permanent work. He also bought some stuff on saturday so we now have a plumbed in dishwasher, yes its in our dining room but no room in kitchen and no more arguing about who washes up :rotfl:

    Would love to have it all in properly but need to get the kitchen extension done first and need to save up some more for this as dont have enough yet.
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :)

    Ebayn buyer has paid and parcel sitting in office awaiting courier collection, should actually be about £90 after fees :D I also have around £130 in expenses due but paying for courier out of this so less £15 but these 2 amounts will cover my first target of one loan overpayment :D Hope to pay this at the end of the month.

    I have transferred £15 from paypal which has built up from various survey sites and small ebay sales so will put this in my holiday fund. Going to organise shortly and set up a few more savings accounts and rename them with various funds so know whats clearly in each.

    Going for :-
    Insurance and car so car tax, insurance, mot and service x 2, house insurance and life insurance
    Fun funds including for holiday
    New kitchen extension
    Horse funds for everything bar food which is already budgeted, so vet bills, clothing, trainer etc
    Emergency fund

    Still full aim to pay this debts of asap so funds will be focusing most of the spare money onto these first.
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
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