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PigginSkint's DFW Diary
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Our orginal PC was run over and I still have her collar at home, I can't bare to get rid of it!
Bertie (current PC, my avatar) is a rescue cat and get's loved and spoilt SO much.Current debt - £16,300Debt at worst 17/03/2011 - £18,067.62:eek::eek::ANot going anywhere else, ever again :A0 -
Our orginal PC was run over and I still have her collar at home, I can't bare to get rid of it!
I am not surprised. OH and I have both changed the wallpaper on our phones to one of the photos taken of PC1 - taken about 2 weeks before he died and just a couple of days after coming home from the vets after being on a drip for 2 days. He actually looks remarkably well - the effect of the drip but it didn't last.
Bertie (current PC, my avatar) is a rescue cat and get's loved and spoilt SO much.PigginSkint's debt free diary
DFW Nerd 1049 Amazon Sellers Club member 54
Total mortgage debt: 30/4/17 £14090.77 (Last payment: September 2021)
LTSB Loan 30/4/17 £6633.71 (reduction by 48%)
Total credit cards: 30/4/17 £25971.91 :eek:
Total non-mortgage debt: 30/4/17 £32876.49 :eek:0 -
Hi All
I am so tired today I can barely function. I have barely done any work today – mainly just housekeeping-type stuff. I daren’t do anything that requires any brain power as I know I shall make a mess of it – better to wait until I am feeling more with it.
We collected the Avon books in last night but I didn’t get round to bagging my orders up – must do that and then deliver them. Shouldn’t take too long as there are 5 orders plus one for someone at work. The books for the people who are having deliveries are more or less ready and put to one side – they just putting in plastic bags. The rest of the books that need to go out (the ones I collected last night ) I will get ready tonight and then OH can put them out for me in the day tomorrow.
OH has got an audition today in London and another one on Friday. Fingers and toes and everything crossed for him as either of them would be a really big break for him.
Anyway, bye for now!PigginSkint's debt free diary
DFW Nerd 1049 Amazon Sellers Club member 54
Total mortgage debt: 30/4/17 £14090.77 (Last payment: September 2021)
LTSB Loan 30/4/17 £6633.71 (reduction by 48%)
Total credit cards: 30/4/17 £25971.91 :eek:
Total non-mortgage debt: 30/4/17 £32876.49 :eek:0 -
Hi All
Another busy day today so haven’t had time to update yet – I think I forgot to do it yesterday as well.
I have discovered this morning that I really need to sit OH down and have a serious talk with him – read him the riot act more like! I had a look at my Egg account online this morning to see how much I had spent on Christmas so that I can pay it back now that the money from my ISA has gone into my other account. I discovered that OH has been taking money out of the cashpoint machine using the Egg card. Arggghhhh!! :eek: I wouldn’t have minded so much if he had actually told me instead of leaving me to find out. :mad:
I have been nagging and nagging him to set up the Egg card as one of his bill payments on his internet banking so that he can actually pay some off it. Now I discover that he clearly hasn’t got any money in his current account to pay anything off it (that is my assumption but I doubt if I am far wrong). :mad:
He definitely needs a good talking to! He can’t keep spending on the Egg credit card and not pay any of it back – it just isn’t fair! And if he really can’t afford to pay anything back then it is about b****y time that he did something about it. It is not as if I ask him to pay much – he pays the Halifax credit card payments (the balance on that is nearly all from his spending apart from about £2000 which was the balance on the windows finance), the Littlewoods catalogue (most of which is for his new electric guitar that he ‘needed’) and a large amount of the food shopping etc.
He has 2 major auditions this week so if either of those comes off that will be a big boost to his career and our finances. Also starting next week he has got 2 full weeks work (instead of a few days a week) so that will help. Otherwise he has really got to do something about increasing his income – this cannot continue!
One piece of good new we had this week is that I had a letter from the Halifax yesterday about the credit card – they have offered 6.95% APR on new balance transfers made before the beginning of February (I forget the exact date) for the life of the balance. So I plan to transfer the balance from the Egg card onto there so at least we won’t be paying mammoth interest on the enormous balance that is currently on it. It was nearly £2000 when I looked this morning. Eek! :eek: Of that, I have paid off about £360 which was my spending – Christmas and a few other things. The rest is all his spending and bills for the vets and other cat-related items (which OH did say he would pay for). I know that the rest falls into these categories because I have been very good about repaying what I have needed to use the card for fairly promptly.
Can you tell that I am a little bit p****d off!
I am seriously tempted to take his credit card off him, but there are things he does need to use it for! Ho hum – what can I do!
Anyway thank goodness it’s Friday – I will be glad to go home today! I’ve still got loads to do though – suppose I had better get on with it!
Bye all and have a good weekend.
PigginSkint's debt free diary
DFW Nerd 1049 Amazon Sellers Club member 54
Total mortgage debt: 30/4/17 £14090.77 (Last payment: September 2021)
LTSB Loan 30/4/17 £6633.71 (reduction by 48%)
Total credit cards: 30/4/17 £25971.91 :eek:
Total non-mortgage debt: 30/4/17 £32876.49 :eek:0 -
Hi All
Well I didn’t read OH the riot act on Friday. Just after he got in (about 8pm) we listened to the answer phone messages and there was one from the vets saying that PC1’s ashes were ready for collection – it put things into perspective really and I couldn’t be angry anymore. I was very upset though and OH gave me a cuddle. This seemed to have just as good an effect as getting angry! We did have a really good talk which continued the next day so I think he realises the seriousness of the situation.
The way OH is though, I shall definitely have to keep encouraging him and pushing relevant information his way to make sure that he does what he is supposed to be doing! I have tried to put it in the most positive terms though – saying that I am telling him (to find ways of increasing his income) so that he can look for something that he wants to do rather than be pushed into something he really doesn’t want to do because we are desperate for the money! When I get a moment I will see if I can find out which newspapers he should get on which days to get the relevant jobs pages – Media type jobs that wouldn’t necessarily be in The Stage.
Starting this week (I think!) he has got 2 full weeks work so that will help and his auditions last week went well – one in particular we are cautiously optimistic about given the vibes we have been getting. It will all help! But if he wants to continue to do arts related work he will have to pull his finger out before he ends up doing bar work or shelf stacking because he has to!
This week is going to be a very busy one because of 5th year exams so I don’t know whether I will get chance to update much. Also my Avon order goes in this week so I shall be busy doing that as well – at least it’s not delivery week this week!
I think that’s all for today. Looking forward to the meet in Birmingham on Saturday – I suppose this is not the best time money-wise to be doing it but I don’t suppose any other month would be any better. Also I think it will do us good – a good antidote to the January blues and meeting up with people in the same boat as us. I think it will definitely be good for OH – I don’t know how brightly his lightbulb is shining but it may help it shine more brightly!
Have a good week everyone!PigginSkint's debt free diary
DFW Nerd 1049 Amazon Sellers Club member 54
Total mortgage debt: 30/4/17 £14090.77 (Last payment: September 2021)
LTSB Loan 30/4/17 £6633.71 (reduction by 48%)
Total credit cards: 30/4/17 £25971.91 :eek:
Total non-mortgage debt: 30/4/17 £32876.49 :eek:0 -
Hi All
What a week it's been! As I have already mentioned on another thread, I badly injured my foot on Wednesday night. I had only just got back from work (after a long day involved with 5th year exams) went upstairs to get my work clothes off, changed into my pyjamas and came back down stairs again (planning to start cooking the dinner etc) - just as I got to the bottom of the stairs I went over on my ankle. I heard an enormous crack, a big lump immediately came up on my foot and I was in absolutely horrendous pain. I was lying at the bottom of the stairs screaming and crying. OH came home shortly afterwards (he had phoned me from the station literally about 2 minutes after I had done it and couldn't make out a word I was saying because I was such a state). Anyway to cut a long story short we had to call an ambulance and spent quite a long time at A&E (longer than needed really - the ambulance man left me in the wrong waiting area). They x-rayed it and told me that it isn't broken but they did not volunteer an opinion as to what might be wrong with it - just gave me some crutches, a leaflet and told me to go back in a week if it is no better. Very helpful! Anyway having done the same injury once before some years I have a pretty good idea - I think I have torn a ligament. The crack that I heard was not a bone breaking but was probably a ligament snapping (that's what happened before).
Anyway I spent yesterday with my foot elevated with an ice pack on it for most of it (as per instructions). I also spent a lot of yesterday asleep because I had got so little sleep on the night because of being in so much pain. I have to keep the weight off it for at least 3 days so I can't really start walking on it with crutches until Sunday at the earliest. So I had to have yesterday and today off work - I was supposed to be working at another day of exams yesterday so it was not really very good timing. They had to find someone very quickly to cover for me.
Still at home today - I hope OH is going to help me have a bath today! I really need one but there is no way I will be able to get in and out of one on my own.
I doubt that I will be able to go to the meet in Birmingham tomorrow, which I am really quite upset about, but can't really be helped. It is hard enough work getting around our little house on crutches never mind fighting through the crowds in Birmingham.
Money news - I accidentally renewed my Norton internet protection twice. I didn't realise that the automatic renewal meant that I didn't actually need to do anything. When I got the message saying 'renew now' on my computer I followed the instructions. This meant that I have actually paid twice. I phoned them up and they have cancelled one and arranged a refund, no problems. I was quite impressed at how little hassle it was!PigginSkint's debt free diary
DFW Nerd 1049 Amazon Sellers Club member 54
Total mortgage debt: 30/4/17 £14090.77 (Last payment: September 2021)
LTSB Loan 30/4/17 £6633.71 (reduction by 48%)
Total credit cards: 30/4/17 £25971.91 :eek:
Total non-mortgage debt: 30/4/17 £32876.49 :eek:0 -
Hi All
Just a quickie update because I have still got loads to do today and I would rather like to go home soon – less than an hour to go woohoo!
Coming back to work yesterday was very strange. I felt very wobbly on my feet, very light headed, as it was my first proper day ‘up’. I am stuck with wearing trainers to work at the moment as that is all I can get on – my foot is still quite swollen, very bruised and sore. I am having to wait until the painkillers take effect in a morning before I can even contemplate putting my trainers on and going out. I made the decision to try to manage without my crutches as I decided they would probably be more trouble than they are worth. So the upshot is that I am having to walk very slowly and carefully. For this week at least I shall get the bus into town to then catch the train to work – not as MSE/DFW as walking, but more so than getting a taxi!
My Avon delivery came this morning so I will be spending this evening bagging it all up. With any luck I should be able to get OH to help me deliver it all tomorrow. However, this might not be possible… but the reason for this is good news. One of OH’s auditions has paid off and he is currently in London for the day rehearsing, for filming Thursday and Friday. Can’t say too much at the moment but as soon as I can I will. Anyway, if he has an early start on Thursday morning (likely I would have thought) he will have to go down the night before and stay over so we won’t be around tomorrow evening to help me. Oh well, I shall have to play it by ear.
Anyway, better get on with some work. Bye all!
PigginSkint's debt free diary
DFW Nerd 1049 Amazon Sellers Club member 54
Total mortgage debt: 30/4/17 £14090.77 (Last payment: September 2021)
LTSB Loan 30/4/17 £6633.71 (reduction by 48%)
Total credit cards: 30/4/17 £25971.91 :eek:
Total non-mortgage debt: 30/4/17 £32876.49 :eek:0 -
Hi All
I don’t think I got round to posting yesterday – that’s the sort of week I am having!
OH is in London for 2 days now filming the commercial that he doing. We managed to get him quite a cheap B&B to stay in (£45 per night) so that was lucky – he is not too far away from where he has got go. Good job really as he had to be at the meeting point at 6:30am!
I didn’t manage to get any Avon done last night because I was rather busy sorting out OH’s accommodation, food to take with him, booking his taxi, find a spare ink cartridge for the printer etc etc! I shall have DS with me tonight so hopefully I should manage to get some done. I don’t know whether I manage it all though – my foot is still very sore so I am trying to limit how much walking I do.
Less than a week to go until payday – hallelujah! OH should also be getting some money sometime soon so we might get back onto an even keel again! Mind you, once this week is out of the way, some mild nagging will not go amiss – he needs reminding that (a) he needs to find some other regular sources of income and fast, and (b) he needs to start paying off some of the (large amount of) extra debt he has run up.
I am very tempted to put some work into giving OH a wake-up call – maybe even prompting his own lightbulb moment. Unfortunately his has only really been flickering, not shining very brightly like it should. It will take some doing but I think I shall go back through all of the credit card statements and work out exactly how much he has spent and how little of it he has actually paid back – though a lot of it has been shuffled to other cards so the interest isn’t actually that bad. I think it will come as a bit of a shock! I think what will shock him the most is the money he has spent on travel, accommodation and courses he has done in the pursuing his profession – a lot of that on going to auditions. He needs to grasp that while I do not begrudge him this expenditure, it needs to be balanced somehow by actually earning more than it is costing him to continue!!
Anyway, must get on with some work.
Bye all!PigginSkint's debt free diary
DFW Nerd 1049 Amazon Sellers Club member 54
Total mortgage debt: 30/4/17 £14090.77 (Last payment: September 2021)
LTSB Loan 30/4/17 £6633.71 (reduction by 48%)
Total credit cards: 30/4/17 £25971.91 :eek:
Total non-mortgage debt: 30/4/17 £32876.49 :eek:0 -
oooooh pigginskint, are you allowed to say what hes advertising? or even just give us a clue? x im a lurker on your diary and really enjoy reading it x0
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poppy_the_saving_cat wrote: »oooooh pigginskint, are you allowed to say what hes advertising? or even just give us a clue? x im a lurker on your diary and really enjoy reading it x
I don't think I'm allowed to say - I will when I can. However, I understand that is an ad that will be see on the internet. Now what clue can I give that won't give too much away...:think: Well it is product that only men use (and no, it's nothing rude!) and it is a brand that is fairly well known. There, can't really say too much more as I shall give it away!
Thanks so much for reading my diary!PigginSkint's debt free diary
DFW Nerd 1049 Amazon Sellers Club member 54
Total mortgage debt: 30/4/17 £14090.77 (Last payment: September 2021)
LTSB Loan 30/4/17 £6633.71 (reduction by 48%)
Total credit cards: 30/4/17 £25971.91 :eek:
Total non-mortgage debt: 30/4/17 £32876.49 :eek:0
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