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Living for the Present...after all who doesn't love a gift!

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  • Thanks mandz :D i think i have a buyer for my more expensive item :D although yet again she wants to pay on payday :mad: do they not realise i'm selling everything before pay day as we are broke!! :rotfl: oh well. Spent £40 on food & clothes & hayfever stuff today (dd needed t-shirt for some olympics thing they are doing at nursery!)

    off to eat my freezer surprise dinner.....which is sausage casserole :) even on a hot day i can't resist sausage & mash lol:rotfl:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • evening :)

    I finally got my trainers out and went for a run :j not sure how far i went :rotfl: but was out for 25 mins :j (good for me lol)

    Also think i may have sold another item :T £40 it's up for they've asked to pick up in the morning but they haven't made an offer i hope they don't turn up with a silly offer....

    Need to catch up on some diaries on here but got caught up watching a film :) so may have to leave it till tomorrow now :D
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Just requested £23.50 from TCB :D at last !!!
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • slm6002
    slm6002 Posts: 4,400 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Really well done on getting out and running - i think the sun makes you feel more like it. Also well done for the sales you are doing really well - not sure if you can have much more to sell as your doing really well
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
  • Morning :j

    £40 from item picked up this morning :T have spent £35 already of it :o but it's to replace the toy just sold :p and the other £5 can go in the emergency funds :T

    I've just seen a friend whom i haven't seen for a while because she goes to a different school (run) each morning. I said hi, but then walked off, tbh i just felt really peed off that she hadn't called me in months. She had the hump at me walking off, SO cue me standing outside the nursery answering phone to her and having a MASSIVE row :eek: oops. Then i hung up as was feeling a tad stupid arguing with a phone in public. SO she calls back and texts and texts. :eek::eek: had to walk past her house (i have now learned how to speed walk) on the way home....but all is good now we had another big argument when i got home, seems crossed wires on both parties, she felt like she was doing all the calling & chasing me up (probably true as i never ever had free calls to her mobile so couldn't call her :( ) so hopefully all sorted now. My DH was stood outside the nursery listening to us argue with eyes wide open. He told me women are b1tches when they argue :D probably true :rotfl: but we made up without a fisticuff at least :eek: I feel awful now too as i was a bit rude this morning (not like me usually i smile and pretend all is well when everything is not!)

    Anyway off that subject now!

    Today i have to:
    *drive to bank and put in my £4 cheque ;);) and my £40 from slide!
    *tidy up
    *wash up
    *find some dinner! (thinking pizza, salad, jacket pots??)
    *sunbathe :p;)
    *do some online banking (transfer some funds to here and there)
    *catch up on some diaries at last! (perhaps could multi task this with sunbathing lol)
    *push up my posts on all the selling pages although all my big items are sold or sold pending payment on payday!!!

    Hope everyone is well :D
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • polly- (or any other dog owners) puppy has only been home a couple of days but the change in his stools is noticeable since getting home! We're feeding him pedigree puppy dry food...is this bad?? His stools are loose and so smelly now :eek: ! just wondered if you had a recommendation for a dry food that i can get from a local shop (i.e tesco etc) or pets at home as going there later. I don't want to buy another and it upset his tummy even more :( poor pup! I googled pedigree and it said there were a lot of fillers in it so not good for the dog. Any advice?? xx

    Sorry, I've only just seen this! There are two things I would say:

    1. When changing brands of food, you need to do it very gradually over the course of a week or so. Start by having mostly the old food with a little bit of the new one, then the next day up the ratio of new to old and so on. That way they can get used to it without it upsetting their little tummies.

    2. Pedigree is not a good food, sorry :( Hope you don't mind me saying! I would suggest moving over to a better food (it might be more expensive per kg, but he will need less of it as it is more nutritious) and doing so using the method above. Good foods (I assume they have puppy varieties but you'd have to look into it:

    Wainwrights (Pets at Home brand, cheaper than some of the others)
    Arden Grange
    James Well Beloved (although I've heard this has gone downhill)
    Fish4Dogs
    Orijen
    Applaws
    Barking Heads
    Burns
    Nature Diet
    Natures Menu
    Laughing Dog
    Natural Choice
    Lily's Kitchen
    Natural Instinct
    Nature's Harvest
    Taste of the Wild
    Harringtons (very reasonably priced but probably not quite as good as some of the others. Could be a good compromise)
    Trophy

    I'm not sure which would come from somewhere like Pets at Home and which you could get in the supermarket. In my experience, supermarkets tend to sell all the very worst kinds of food (bakers, Pedigree, Wagg etc). You can definitely get Harringtons in Tesco and Asda though. However longer term you might be better to stick to Pets at Home or similar, or order online.

    If I were you I'd try Wainwrights or Harringtons to start with as these tend to be the cheapest decent ones that you can buy in store. Wainwrights have wet trays as well which my two LOVED, so these could be good to add some variety as well as the dry food. Maybe wet in the morning and dry at night or something? Or you could just stick with dry if he is happy with it and doesn't get bored of it :)

    Hope that helps!
  • Thanks Polly :) i also heard from a friend how awful pedigree was...i only picked it up because it was the only one i'd heard of :eek: but the last time i had a dog i was 16....that was a (VERY) long time ago lol. WIll write those ones down and pop to pets at home and have a little look. It's not much further along than asda so i'm happy to make the extra trip once a month xx
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300

  • Today i have to:
    *[STRIKE]drive to bank and put in my £4 cheque ;);) and my £40 from slide![/STRIKE]
    *tidy up
    *wash up
    *find some dinner! (thinking pizza, salad, jacket pots??)
    *sunbathe :p;)
    *do some online banking (transfer some funds to here and there)
    *catch up on some diaries at last! (perhaps could multi task this with sunbathing lol)
    *push up my posts on all the selling pages although all my big items are sold or sold pending payment on payday!!!

    Hope everyone is well :D

    still lots to do but the sun is calling me .........:rotfl:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • WOW i'm becoming very slack on updating my diary of late! :o

    Puppy & children & husband & house seem to take up all my time :eek:

    Well Duke has settled in really well :D he's a lovely pup so friendly & happy to go along with whatever. The kids are obsessed with him and i am dying for him to be able to go out for walks after his 2nd jab :j

    DS1 needs picking up on Thursday and i have to take the two kids as DH is working, i'm also going to take the pup too :T he can't wait to meet him so i thought i'd risk the journey with 3 kiddies (so to speak lol) MIL also wanted me to pop in on the way through so she can meet the pup too!

    I've sold a few more things on fb :j made £5 at 7am this morning ;) and £8 last night oh and £1.50 being dropped off later for a little dress (that on ebay would have cost final valuation fees and i'd have had to have posted it!).

    My tenant has let me down :mad: so house is back up for rent!!! Have contacted the CCCS today and gone through the budget again and they have told us we can pay £174 until we get new tenants :( ...which means being in debt longer but hopefully means next month i can save more money as i think washing machine is on it's way out and i only have £100+ in emergency savings not £300+ that a new one would cost :eek::eek:

    I went to my first boot fair of the year yesterday and had a great time :) picked up some bargains which i am debating selling on- sorry son (clothes lol) but haven't decided yet ...and i'm selling old clothes on to make space! Mum received her fridge freezer and now she has no cooker as she has to pay someone to come out and fit it *doh* so i've told her to perhaps look on ebay/gumtree etc for an electric one to replace her VERY old gas one with the money she would have to spend on getting it fitted (£50+???) makes sense to me??!

    Have lots of invites for next week over half term so am just trying to decide on what to do and where we will be and of course how much it will all cost :cool: at least the budget shouldn't be quite so tight for June with the CCCS taking less. I'm just hoping the creditors agree and don't kick off at all :confused:

    Need to do my online banking now and then going to relax until the sun dies down a bit and we can all go back in the garden. It's far too hot for the little ones at the moment (not me though i could easily sleep the afternoon away under that heat ;))

    :D
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • slm6002
    slm6002 Posts: 4,400 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Glad everyone is settled with the new addition. What a pain about your tennant - did you have some others you could call back or is it too late?

    I went to the car boot on sat in the hope that i could find some crocs for the kids - there is normally a shoe man there that sells them, but he has done a vanishing act so will have to try again next week.

    Also another tip for car boots - i give each child 50p when we go - once it is spent they dont get anymore - my DS spends it almost always on the first row of stalls but my DD has often come back empty handed but will have more to spend next time - although she was looking for a guitar with only 50p so not a lot of luck there!

    Glad CCCS have lowered your payments until you are ready with new tennant - will make life a lot easier now and i am sure you will still get rid of the remaining debt really soon :)
    Me, DD1 19, DS 17, DD2 14, Debt Free 04/18, Single Mum since 11/19
    Debt £2547.60 / £2547.60
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