PigginSkint's DFW Diary

PigginSkint

Hi All

Not much exciting news tonight I am afraid. I have done my free scratch card - just 10p again. Still need to do Banana lotto and my latest batch of surveys.

I am attempting to play free bingo on Gala but they appear to have redesigned the bingo rooms and they are a little temperamental (I wonder if anyone else is having the same problems). For the 8:00pm free game I thought I had 'bought' 12 tickets, but when the game came up there were only 2. I am still trying to 'buy' my tickets for the 9:00pm game.

DS is here tonight - he has still got a bit of a cough but is much better than he was.

Not much else to tell really.

Bye for now!

PigginSkint

Copied from Make a Payment a Day thread:

Hi All

I am sooo glad it’s Friday!

My payments today are £1.06 to Egg and £5.06 to Virgin, making a total today of £6.12

The balance on Virgin has now dropped below £300 (or will have done when yesterday’s and today’s payments are showing) – woohoo! :j Got to get it down to £0 before my April statement date, because that is when the 0% expires – it could happen! Even if I don’t quite manage it in time, the balance will be so low by that point that the interest I would need to pay will be minimal.

Next target (apart from little payments to Egg to cover the small balance on that at the moment) will be LTSB – 0% APR deal to expire in June I think. Then it will be my Tesco credit card – not my absolute highest APR but one of them and it has a small enough balance (now under £400) that I should be able to clear it quickly. Then after that it will be the Amazon Halifax credit card – my highest APR (with the exception of my OD), one of the highest balances, minimum payment only 1% of the balance so will take the longest to clear otherwise (along with shed loads of interest).

Bye for now!!

PigginSkint

Hi All

I didn't get on the computer at all yesterday evening, apart from to do my free scratch card. When I got home OH was hogging the computer as he had found a chess program which had been on the laptop when we got it. By the time he came off, which was after dinner, I was just too tired to contemplate doing anything other than going to bed.

I've done my Avon today which is the last of the really busy days Avon-wise for this current campaign (we work on a 3-week cycle). Tomorrow I must get my books ready to go back out and then put them out, which won't take long. On Monday I just need to get in the 2 'distant' books back (putting them out was one of the jobs I did today), nothing on Tuesday, getting books back in on Wednesday, putting back out on Thursday, nothing on Friday (I don't do Fridays!) and then getting books back in on Saturday. After that it will just be trying to get the last few in ready to do my order.

I've still got 2 deliveries to do - one at work (she will be coming to me) and one on my round (the customer is currently on holiday).

I went into town today to pay some money in, collect something from the sorting office (birthday card off my brother which he didnt put enough postage on, so it cost me £1.06 to collect - grrrr!:mad: ) and to indulge in a very pleasurable activity - guilt-free clothes shopping! OH's mum gave me £30 for my birthday so I went and spent most of it in Evans.

I bought 2 t-shirts - one purple (favourite colour) and one red (to wear to work for red nose day on Friday, but also a colour I like!). The best thing about buying them from Evans is that they are nice and long! I also bought another nice top (also long!), which will do nicely for work, and a pack of tights, because I badly needed some and I am fed up of doing battle with opaques (I am convinced you have to be a contortionist to get in them!)

Off now to do my daily tasks - free daily scratch card etc - and then will make some dinner.

Bye for now!!

PigginSkint

Just been doing some banking and updating of spreadsheets. My Virgin credit card statement is now available to view online. I supposedly have 0% APR until the beginning of April. Last month I accidentally made my minimum payment a couple of days late and they slapped on a £12 late payment fee. I discover today that they have also charged me some interest. :mad:

I could phone them to ask them nicely to not do this, but there are 2 reasons why I probably shan't bother:

1) I hate phoning them as they always give you the hard sell about PPI and loads of other things

2) The balance on this card will be history soon anyway. This is my main target for the Make a Payment a Day challenge.

Still makes me mad though!:mad:

PigginSkint

I have just realised that there is one thing I keep forgetting to mention. We have been having some fun again with those gits at Littlewoods.

Some months ago I discovered that cashback is only paid when you make payments of £20 or more. Recently OH needed some new shoes so we ordered some for him from Littlewoods. I told him that he should try to make a payment of at least £20 each time so that we could get some cashback, which would mean of course that the shoes would actually cost him less.

OH recently made his first payment of £20. As soon as the payment had gone through I sent them an email asking for any cashback available to be deducted from my current balance. I received a reply to say that no cashback was available. I sent them another email to ask why not. The reply was that no cashback is paid on sale items. OH's shoes were not cheap but because they were slightly reduced in price we won't be able to get any cashback. Gits!!:mad:

PigginSkint

Hi All

Well yesterday evening was pretty grim. Not long after I last posted on here, I got a migraine and had to take myself off to bed. I took my last tablet (which means I now need to get myself to the doctors for some more) which probably stopped being any worse than it was. Still had to go to bed to sleep it off though (both the migraine and the effects of the tablet!).

I managed to trip up going up the stairs my bed, crushing the yoghurt I was carrying (heartburn prevention!) and bending my big toe back in a direction it didn't want to go! Ouch! :eek:

This afternoon was a repeat run of yesterday afternoon - waiting in all afternoon for the Betterware man for OH so I could go out and do Avon, and doing some housework while I was waiting. Yesterday when it got to 4:30pm and he still hadn't appeared I phoned him up and he said that he hadn't brought his invoices out with him so there was no point in coming to us - nice of him to tell me!:mad: Anyway, he did eventually come this afternoon.

The reason I had to stay in was because OH has been working 8 hour shifts at the care home this weekend instead of 4 hour shifts. I believe the reason is that they have sacked someone so there is some overtime available. I am not going to argue, especially as OH owes me money!

No more news for now - happy Sunday everyone!

PigginSkint

Evening All!

The main news for the day is the efforts we are making in our office this week to raise money for Comic Relief - how nice is it to be in an office where we can do this! So we are doing the following:

• The sweepstake/scratchcard poster that came with the fundraising pack - £2 a go, 30 celebrities to pick from, everyone writes their name under the celeb they have picked. When it's all filled in scratch off the answer panel - the winner gets half the money and the other half goes to Comic Relief.
• Fines for yawning in our office and the corridor just outside - 50p a time if you get caught yawning! (Cost me £1 already!)
• Selling cakes that my DS will be making on Thursday evening - whatever's left over we will sell to the neighbours.
• We will all be wearing red clothes and red deely boppers on Friday.

Looking forward to it!

PigginSkint

Hi All

I received a letter from Sainsburys Bank on Saturday, offering me a balance transfer deal - life of balance at 5.94% APR. At first I put it to one side, thinking that I didn’t need it at the moment, then thought ‘hang on a minute’! I gave it lots more thought, then decided and the form has gone in the post today. I am transferring the portion of the balance on the Halifax card (which is the one that OH is responsible for paying the bills on, even though it is my account) which is actually technically mine - the finance for the double glazing that I transferred onto that card, saving myself three quarters of the interest in the process. This means that the balance on the Halifax card will be solely OH’s debt. At the rate he is going, it will take him about 15 years to pay it off and I am more impatient than that! I didn’t want the windows finance stuck on there when I could transfer it somewhere else and be more aggressive about paying it off. Plus the fact that as the minimum payments on the Halifax card will be smaller, it should free up more of OH’s disposable income, making it easier for him to keep up with some of his other payments. You may ask (and I wouldn’t blame you for doing so!) – why should I make life easier for him?! But there is method in my madness – if he has more money available, it should mean that he is less likely to build up yet more debt in my name.

In other news, I decided that I really needed to get to the doctors today. Because of the migraine I had on Saturday night I have now completely run out of my migraine tablets and I know for a fact that this is really not a good week to have run out – not going into too much detail, but this particular week of the month is when I am most likely to get migraines. In addition, my kidneys have really been hurting me over the last few days, so I need to take my doctor a ‘present’ to see what’s going on.

I delayed going to work this morning so that I could phone the doctors at 8:30am and kept redialling until I got through (7 minutes this time) so that I could get an appointment today. I could have done this from work, but I thought that I might be able to get a reasonably early morning appointment, which would mean that I could just go to it and go on to work afterwards. As is happens, I could only get a late afternoon appointment, so I came straight to work – arriving later than normal but not hideously so – and will have to leave early. So a lovely short day for me today!

No Avon to do today but I will have to take DS’s stuff to him at his Dad’s this evening.

DS is not particularly in my good books as for the 2nd time in a week he sat on some chewing gum while wearing his school trousers yesterday – the 1st time I managed to shift it O.K. by rubbing some washing liquid into the stains before putting the trousers into the washing machine. I have done the same again today so fingers crossed – luckily the offending stain wasn’t particularly thick on both occasions, plus I acted fast before it had chance to set! I shall have to read him the riot act because I might not be so lucky again!

Anyway, that’s about all the news for now.

Bye all!

dawnybabes

How did U get on at the docs ?

PigginSkint

dawnybabes wrote: »

How did U get on at the docs ?

Good job I went actually! I got more migraine tablets and this afternoon I started with a migraine so I took a tablet quick and managed to head it off.

Oh and yes, I have got a kidney infection (again!) so have got antibiotics again.

I am drinking lots of water and cranberry juice which seems to easing things a little. Though I am still sore, a bit queasy and get tired easily.