Saving for a new Horse!

Baldybear

Good morning

Details of OH's inheritance landed last night, not sure when we will receive it, looking towards early Jan but had a quick work of the figures. Going to pay of the loan in full which will save about £1k in interest and leave us £148 a month better off. Also will have enough to pay of £1k on a credit card.

We are also going to buy a few things a new laptop for me, pc for OH and few camera bits for OH but these are things that are needed and an investment for OH so something to show from the money. But we are putting over 80% to debts nearly £7k so happy with the arrangement.

It will bring our debt to around £23K or £15K without parents loan which is currently on hold so brings us to a much better financial position and a little more give in the budgets each month. The loan is 6.9%, one credit card is 0%, the other 2 cards are high but should be able to balance transfer the rest so they will all be on 0%. The it will just the car finance on any sort of interest

Baldybear

Morning, last day at work till 7th, meant to finish at lunchtime but going to have to work till 5 to get everything done, but will take time off in lieu.

Peed of this morning fellow livery who shares my field has been getting down late this week so think she has been giving extra hay as think some of my hay has been taken, not a problem but !!!!!!! ask, so have sent a message this morning, see if she responds :cool:

Got a big box on the doorstep last night with a competition win from Method, got 2 lots of handwash, 2 big bottles of multi use cleaner and big bottle of washing up liquid so no need to buy stuff for about 6 months

Moneywise £50 out for birthday present for OH's son, but have received £375 from various relatives so £325 better off. Going to see if can cheques in bank today or tomorrow. Going to transfer some to insurance/car a/c to make up any possible shortfall and then rest to the card

Baldybear

Runs in all excited

OH just been offered permanent work, and £3k more than he is currently getting on his temporary salary, starts 1 Jan so will have a few weeks where he wont get paid so will use the Xmas money for bills but least we arent short, but means come the end of January we can budget better and should have a bit more disposable income so should be able to balance the books :j

runs out again

*Robin*

Baldybear wrote: »

Runs in all excited

OH just been offered permanent work, and £3k more than he is currently getting on his temporary salary, starts 1 Jan so will have a few weeks where he wont get paid so will use the Xmas money for bills but least we arent short, but means come the end of January we can budget better and should have a bit more disposable income so should be able to balance the books :j

runs out again

Hi Baldybear, :hello:

Just delurking quickly to say that's fantastic news!

Merry Christmas!

grannyx2

Great news BB x

LAM2011

Hey BB - great news all round :j (with exception of your hay being taken)

I hope 2013 is a much better one for you and OH x

Baldybear

Work now finished till next year, few days of not spending, food got and ready for few days with family, back after Xmas with a renewed vigour.

Happy Xmas everybody:D:rudolf:

grannyx2

Merry Xmas BB

Piquant_2

:santa2:Merry Christmas BB:santa2:

grannyx2

Just popping in to say to everyone:



Granny x