Saving for a new Horse!

Baldybear

Morning, woohoo its the weekend Nothing exciting happening here, lots of boring NSD and me being far too organised with lunch bought in.

OH got a notification from his old company that he is due a shares payout in August, we reckon it should be £600+ so really excited about that, helps pay the bills at bit longer! :j

Might go riding tomorrow with old friend, if it stops raining :mad:, getting bored of it now, so is horsey. She normally insists on the gate being wide open so she can !!!!! foot it around the puddles, wuss but not last night, her field mate was taken out and even though her mates were still out next door and she is usually happy about this she decided it was far too wet to stay outside any longer and leapt through the puddle and appeared at the stable demanding to be let in :rotfl:

magpiedawn

Lol. :rotfl:
I enjoy reading your diary, and definitely had a good laugh tonight over Hoss hot footing or should i say hot hoofing it to the stable yard to be let in sensible girl.
Magpie x

grannyx2

Baldybear wrote: »

She normally insists on the gate being wide open so she can !!!!! foot it around the puddles, wuss but not last night, her field mate was taken out and even though her mates were still out next door and she is usually happy about this she decided it was far too wet to stay outside any longer and leapt through the puddle and appeared at the stable demanding to be let in :rotfl:

:rotfl: sensible girl I'd say x

Baldybear

Good morning world

Weekend was a mixed one, Saturday went and re-stocked up on horse feed, £170 later :eek: but should last few months. used debit card so slightly more into overdraft but this will be paid of once salary increase hits at the end of the month. Then to top the day of £20 blown on a Chinese, was lovely and was sundays dinner too from leftovers. Sunday didnt spend a penny

Today will be spendy as need to get new girly underwear, but max £40 spend and all via cashback sites too.

Just updated signature and reviewing debt total from 2 months ago, doesnt look good

New Debt totals as of 17 May Updated 16 July 2012 :eek:

They dont look good, total is £28,237.41 :eek: total of July is £28,549 :mad: An increase of £300

This consists of

NWG CC - £84.98 - Now £109.08 increase of £25
NWP CC - £2,955.62 - Now £2896 drop of £59
NW Loan - £8,844.60 - Now £8549 drop of £295
Parents - £8,650.00 - Now £8650 - currently on hold :cool:
VW Finance - £6,466.26 - Now £6311 - drop of £155
Sofa - £1,235.95 - Now £1175 - drop of £90

Also have added £712 onto the OH's credit card as this was mainly used to pay of the remaining course fees.:(

This doesnt include mortgage which today stands at £157,692.96 - Now £156,147

So a lot more concerted effort to be made to get this debt down or will be here forever!! OH still out of work so no money coming in bar one invoice which will pay for his monthly expenses. Got month a half left in joint account and then will have to break into untouchable savings. really hoping DVLA come up trumps with licence soon as he needs to work.

Baldybear

Morning

A Better day today, a NSD, all meals bought in, OH doing some temp work, some boring surveys done and £10 voucher in from one survey site, £4 from another survey site. £30 also transferred from paypal for surveys and ebay so just waiting for that to hit

Yesterday was a write off, both at work and moneywise! Internet was down, people in our head office accused me of lying, our external IT help not kept in the loop and finally sorted cos they messed up and put on the wrong line. So had to work late to get it fixed, my line manager and now my MD has been notified that I am not happy. :mad:

So home late, rushed to do hoss then rushed to babysit so sent OH to get a takeaway as no time for food!

Waiting for that lottery win, if only ha ha

Baldybear

Good morning, TFI Friday

OH has worked 2 and half days this week, not today, no work, so he has gone to sign on again at the job centre, heres hoping they can find him a job! The horse food job unfortunately doesnt look like it will materialise He has been paid the £150 tho for the freelance work he has done so that will help.

Spent £39 on ladies undies on cc, £30 from paypal redeemed and then sent straight to that card. 2 items need to go back but will probably be replacing them with others.

£40 withdrawn finally from onepoll yesterday So waiting for that to hit the bank. Currently £500 in my overdraft

Chaffeuring Dad on saturday to ruby wedding party so thats most of saturday taken up, sunday nothing planned, hoping weather is good to spend some time with the hoss and hopefully crack on and do some ebaying

Baldybear

Runs in all excited, just had notification from old loan I had ages ago, thought about the PPI, wasnt sure about it but had an investigate so sent of a claim, just had notification back they are settling the claim, £1700 Should get paid in month or so, really need it.

So this money with the shares OH also has due will pay of his outstanding credit card of £700, my credit card of £110. So will be left with £1500 ish. Depending on whether OH secures anymore work will be used to pay bills etc, if not will be used to pay of couple of loan overpayments and then the rest to the 0% card. Watch this space.

LAM2011

Great news BB At least that will lift the pressure for a bit. Hopefully your OH will find a suitable driving job too.

How is baby hoss doing ?

Baldybear

Morning, hello LAM thanks for dropping by, baby hoss is good most of the time She is throwing a strop if we take her into school but think cos we are doing at dinner time she just wants to be in, but determined to try and break the routine a bit, yesterday didnt make it to school so we walked around the car park for 5 minutes :rotfl:but least I won and she behaved. Then did some work on her feet and managed to pick out one foot properly

Moneywise, friday didnt turn out to be a NSD, ended up going to M&S and bought OH some new interview wear and me some new clothes, havent bought any for months, but was nearly £300 :eek: Then blew £80 odd in Mr T.

Made up for it over the weekend and didnt spend a penny. Went for free food to a party with dad on saturday and yesterday was a lazy day spent pootling around with the hoss and lazing around in the garden.

Decided on how to use the £1700.

My cc has around £400 on (including the M&S shop so will clear this
Remaining £1300 to overpayments to loan, this will equal around 8 months payments so will really reduce the term, the original loan was 5 years, so with this will nearly knock a year off :j

That will leave the remaining credit card, currently on 0%, the sofa on 0% and the car finance and the remainder of the loan. My cc has around £400 on (including the M&S shop so will clear this. oh and OH cc but this will be cleared when he gets the share payout.

Car payment has gone out today so thats another wee bit knocked off. A NSD, lunch bought in and off to do some more surveys.

Baldybear

Morning, another lovely day

Horsey being annoying again this morning deciding to not walk to the field, need to get her out of that habit, only 2 days, will get there somehow!! She was good last night and we picked out both front feet

Nothing exciting happening moneywise, OH has temp position for 2 weeks so thats great, bring in much needed pennies