PigginSkint's DFW Diary

PigginSkint

Hi All

I have just been playing about with some figures – doing a few calculations for OH.

I have worked out how much the balance currently is for my windows finance which I transferred to my Halifax credit card last summer – based on the APR (low rate life of balance deal), and the minimum payments. The amount I transferred was a little over £2100 and I have worked out that it is now down to approx £1690. This means that of the current balance on the Halifax credit card, over £7600 is OH’s debt! This consists of personal expenses, cat-related expenses (vets bills and the like, mainly from last year when our cat was ill and subsequently had to be put to sleep) and some balance transfer fees (some, not all, as until recently I have been reimbursing balance transfer fees from my emergency funds account).

This is just one credit card – I have also transferred balances to other cards. I will have to calculate the exact figure, but at a rough guess OH’s total debt which he has run up in my name is probably in the region of £10000!

This does not come as a shock to me as I guessed it must be something like that. However, I think it is going to come as a bit of a shock to OH and, with any luck, will generate his own lightbulb moment (excuse the pun)!

I have sent all this information to OH by email so he can read it at his leisure – he is much more likely to read it if I email it to him.

dawnybabes

OMG !!!

Hope hes read it and realised - dont think he needs a light bulb he needs one of those rabbit torches 5000 Watts or something .....

PigginSkint

dawnybabes wrote: »

OMG !!!

Hope hes read it and realised - dont think he needs a light bulb he needs one of those rabbit torches 5000 Watts or something .....

Couldn't have put it better myself!

PigginSkint

Progress on today's to-do list:

• Print off Avon returns form and parcel up returns. Done!
• Finish cleaning kitchen and mop floor (if OH doesn’t beat me to it – ooh is that a pig flying by?!) Done!
• List more stuff on Amazon Didn't get chance - OH hogged laptop! Mainly job-hunting so who I am to interfere!
• Fish out documents for student loans deferral, ready to bring in to work tomorrow to photocopy. Search started - some found! Others still elusive!
• Cut DS’s hair – he has gone past the toilet brush stage and is now looking like a haystack!

Didn't get round to doing this but did cut his nails for him!

PigginSkint

Hi All

I am feeling very tired again today – I planned to get an early night last night but it didn’t happen. I managed to make quite a bit of progress on yesterday’s to-do list so it wasn’t all bad.

I am on my own in my office today so if I feel the need to close my eyes for 5 minutes at any point, I can!

As I have just mentioned on the Make £10 a Day in July challenge thread, I have sold another 2 books through Amazon. Both are fairly low priced items but every little helps.

My Avon delivery came this morning, which means today’s to-do list looks like this:

• Bag up Avon deliveries
• Get Avon books ready to go out
• Continue to search for documents for my student loans deferral form – just need May’s payslip and my child benefit update letter.
• Do a new snowball calculation, now that I have found my username and password! (Yesterday I just couldn't remember!)

I was going to add ‘list books on Amazon’ but realistically that is not going to happen today, especially as I will need to take DS’s stuff over to him at his Dad’s today.

Right, I suppose I had better attempt to do some work……though perhaps another cup of tea is needed first!

Bye all!!

PigginSkint

As I have just said on the Make £10 a day in July thread, I posted my latest 2 books sold through Amazon today and got stung on the postage for one of them - £1.45 instead of 66p for 2nd class. It was obviously too thick to go in the slot. Bit annoyed really as this means I have made the grand total of 36p profit for that one! :mad:

I shall definitely have to check some of my listings – if there any others that might be too thick and going for low prices I shall have to remove them and give them to charity instead. Just not worth it!

I have got a headache today, which is not exactly helping my mood – I have just taken some more paracetamol so I hope they work soon.

As I was walking home yesterday my Stepmother saw me so stopped and gave me a lift. I don’t know quite how it happened but I poured my heart out to her about the current situation chez moi (it is not a long journey to my house so most of this was sat in the car outside my house!). I hadn’t really told her any details before (she still doesn’t know figures but that wasn’t really necessary) and I am still not sure that it was the right thing to do. She has said that she won’t tell my Dad any details of what I told her unless I want her to – my Dad is likely to go absolutely mad at my OH and I really don’t think that would help at all! SM has always been a really good ally – my Dad can be rather difficult, to say the least!

I also mentioned to OH that I had been talking to SM – I didn’t go into detail about what was said, but I didn’t need to!

I managed to get all my Avon deliveries bagged up last night, and I got all my books ready to go out – OH has said that he will put my books out for me sometime today, so that will help.

It is chucking it down with rain here today so I don’t know whether I will do many or any deliveries this evening. I might do some of the ones that are further away. That might seem a bit strange but there is method in my madness! The problem with delivering in the rain is that the deliveries get wet because of all the opening and closing of the bags that I carry them in. If I just do the few that are furthest away, they will stay dry because there are not so many of them so I won’t have to keep opening and closing the bags that they are in.

I have realised that there is just no way that I will get enough Avon money in my account to cover the payment that is going out tomorrow so I have transferred some money over from my emergency account to cover it. Luckily a small amount of Quidco cashback went into my account this morning (45p) so that has reduced the amount that I had to transfer over. Also, luckily, the payment that is going out tomorrow is a relatively small one (£17) so I didn’t need to transfer too much. So the latest is…

Money left in ISA: £74

Right I think that’s about all the news for now.

Bye all!

PigginSkint

Update on yesterday's to-do list:

PigginSkint wrote: »

• [strike]Bag up Avon deliveries [/strike] Done!
• [strike]Get Avon books ready to go out[/strike] Done!
• Continue to search for documents for my student loans deferral form – just need May’s payslip and my child benefit update letter. Oops! No not yet!
• Do a new snowball calculation, now that I have found my username and password! (Yesterday I just couldn't remember!) Oops! No not yet!

PigginSkint

Hi All

Had a funny old day yesterday! I was late getting home because the trains were a bit of a nightmare. I had a stinking headache (still got it actually) and I was very tired. Added to that it was raining!

I got home just after 6pm and went virtually straight out to do some Avon deliveries. I virtually had to drag myself home – I was exhausted and my headache had robbed me of all my coordination! Luckily it had stopped raining by that point.

Got back home again about 7:15pm and OH got back about 7:30pm. He spotted me lying on the sofa with my eyes closed and offered to make dinner (woohoo!). It took him a while and he had to wake me up to eat it! I ate it, let it settle for a bit while watching telly and then went to bed.

Today’s to-do list is as follows:

• Do Avon deliveries
• Relist my Amazon listings that have expired
• Eat dinner early-ish
• Have a bath
• Have an early night!

I will do my other jobs when I am feeling more awake and haven’t got a headache!

Bye all!!

PigginSkint

Hi All

Well today is starting off on a bit of a downer. OH phoned me a little while ago to say that he got 41% for his maths test – he needed 60% or more. He has been advised to do a Maths GCSE course rather than just going straight in with taking the test again. I was fairly sympathetic, apart from saying that he should have started revising earlier. Then he gave me the old chestnut about not having had enough time because he had lots of other things on (like what?) so my sympathy went out of the window. I said to him that you have to make time and that if he didn’t spend so much time on Facebook he might have had plenty of time to work on his maths. As you can imagine that didn’t go down too well. I said see you later and put the phone down. A couple of minutes later he phoned again and asked me whether there was any need for that and said yes I thought so. Then he said tara and but the phone down.

The result was I have been sat here in tears. Typically, of course, someone came in and found me crying. However, it turned out to be quite a good thing because she was a sympathetic person and let me have a vent about what the problem was – so that made me feel a lot better.

I think I need to have yet another serious talk with OH.

Bye for now!

bubbles0169

ah try to calm down its no good arguing over the phone, wait til your home as you can throw something at em then!
seriously though just try to get on with work now, youve said all you can for now, as you said yes another talking to is needed later xx