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  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Baldybear wrote: »
    Thanks LAM its not just me then, more piles than horses, seriously its not rocket science. Dont mind the hay out just use a brain cell and there will be no hassle :)

    Baldrick used to chase a mare in the field they were with when we used to put hay out, about 10 piles for 4 horses, she would grab a pile and Baldrick would go oi thats my pile, so she went to another, and he would be thats my pile too :cool: She would be dashing round the field grabbing a mouthful and running, maybe because she was a wee bit fat my pony thought it would do her good to exercise more :rotfl: Worst one was when he peed right on the middle of a pile and that was the only pile she could eat, mean pony :rotfl:

    :rotfl::rotfl:Bless Baldrick! The Captain's a bit like that too. Everything is his....
    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
    Piq, think you have it spot on with a lack of common sense :)

    Baldrick he was a git :D He wasnt even the boss of the field just liked to stand his ground and get his food, he was very stomach orientated :)

    £37 from paypal has landed from ebay sales over the weekend so that has been sent to my credit card. Slowly getting there.
    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
  • LAM2011
    LAM2011 Posts: 1,432 Forumite
    PPI Party Pooper Debt-free and Proud!
    ^^^ LOL - this would happen with ours too - and the funny thing is after all the 'muscial hay piles' they would often all end up at the same pile.

    Its hard at this time of year as they are hungry adjusting to the difference in grass.
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning another £5 from survey site has landed so my CC now stands at £2698, this has increased from signature but this was due to vets fees so slowly coming down. No more spending on this hopefully.

    OH seems to be spending like water, he just doesnt get it, :wall:doesnt earn enough, know he has covered some of the costs but still just doesnt think how he is going to pay it all off :mad: Dont know how to get through to him. Just seems the debt is continually going up, know we have had lots of extra expenses recently and not all his but still at least I am trying to rein everything in and doing all the hard work :( Maybe have another talk over the weekend to see if I can get through to him.

    Nothing major planned over the weekend, hoss bits but thats about it. Need to chase friend for money £57 as out on Monday and need some spending money, actually must text her now as otherwise be short.
    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
    Have booked a hotel for me and OH, 7 Dec in Southampton. Its my company Xmas do there, head office in southampton so they always have it there, is really annoying as a lot of the company is spread around nearer London so always have to travel. I am in Surrey so its a right pain. Usually end up driving home but not nice when its dark and late. So this year going to get a lift down, OH will come down later and meet me afterwards, we will stay in hotel overnight and then do Xmas shopping in town, coming home in afternoon. So have booked hotel £64, got £3.20 cashback :D No food, OH poss eat in evening, wont have breakfast, cheaper to get in town.
    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 :D Good weekend, Saturday tidied up a few more bits in the garden then went to look at fireplaces as probably going to get a real fire :) Stopped of and got some chips at lunchtime, had food at home but they were really yummy :o Got £50 cash out of bank, £22 to yard owner for some old livery charges, £20 for horse trainer this wednesday, money on the chips and a few pounds left over.

    Sunday didnt do much had a lazy day on the sofa catching up on recorded programmes, should have done some ebay as was free listing but just couldnt be bothered, but did re-list things that didnt sell. Sold 3 things, only 99p each but all helps :) Got paid the £55 from friend for the hay so have given £15 to OH to use for his spending this week so he can transfer some more to joint a/c and we have £40 to use for tonight. Trains should be £15 ish, and poss £5 for drinks and hope to keep the £20 saved. This can then go towards hairdresser so only £10 to find in December :)

    Had yard bonfire party last night which was lovely, burning a massive amount, owner kept dragging out a load of random old furniture, we wondered whether he actually had any left in his house :rotfl:OH ended up doing BBBQ but he loves that, man stuff so all good fun.

    Half day at work today as of to see a band in Brixton tonight, so lazy afternoon, friend poss coming to see hoss if not tidy a few bits up around house :)
    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, feeling very tired today, didnt get back from band till gone 12, not used to this going out on a week night anymore, such a lightweight :o

    Spent £25 on card but didnt use cash so have the money put aside for the hairdresser so about £5 up in the bank :) Sofa payment out today so another £31 of the debt total and 85p overpayment to my card.

    Friends hossie was poorly this morning bad colic was going to have to take day of and go with her to vet hospital but other friend has stepped instead so that was good but a manic morning, keeping everything crossed he is ok :(
    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, friends hoss has major sand colic so may have to have surgery, keeping everything crossed. My hoss has now got runny poo :( Think it may be acorns but not sure as she is 100% is every other way, but have called vet to get some advice just in case, remind why we have animals!

    £21 confirmed on Quidco so waiting for that to pay out, £20 redeemed on a survey site so waiting for that now too. Approx £7 in paypal from weekends ebay sales so need to get that withdrawn too.

    Of this afternoon as got trainer down for hoss, got money already, hoping she behaves herself! Need to get fuel today so £80 odd to spend but this is usually months worth so cant complain.
    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 :)

    Quidco has paid £21 and £27 from expenses so that has been sent to my card, must check paypal and withdraw this weekend.

    Hoss trainer was good doing really simple groundwork exercises but have used her technique over last few days and has helped so really pleased with that. She is coming back in few weeks time but at only £20 a session thats ok.

    £72 spent on fuel so this and few small other misc few pennies from budget savings, about £10 sent to my card, slowly coming down. Was at £1896 on 15 Oct, then bought boots for me, big grocery shop, hoss food and vet bill, highest it went up to was £2819 :eek: Have spent £951.54 since 15 Oct :mad: but this was on good stuff, I have enough winter boots to last few years now. But I have made payments of £200.93 :) so only overall spend of £750.61, still really bad but not as bad as could be. All payments are being sent to this.

    Need to get more bedding for hoss at the weekend, have 0 budget for this so will need to add to card :mad: need to budget better. Also need to get groceries tonight, have small budget but not enough. Need to get ebaying more. Have money in cashback sites too but cant withdraw yet.

    I have set out next months budget and made it more usable to hopefully this will help as not as good this month.

    Need to get OH to transfer more money across each week as well, need to get him to budget better too.
    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
    OH has also been told his inheritance may come before Xmas, heres hoping then that means I will hopefully be able to pay of the loan then will have a good budget for groceries each month and hopefully a few more pounds for overpayments. Will hopefully mean that our budget will balance as believe there is a shortall of £150 each month, the amount we pay on the loan.
    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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