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Caz counts it down

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  • Another 23 orders sent off to new homes, blue goldstone beads repriced and combined onto a single listing and I finally got round to updating the stock spreadsheet with this month's sales so far. The charm bracelets are paid for; just over £900 once the bank charges were taken into account - ouch! - but the total retail value is £3000.

    Nothing else to report really, other than to confess to KnitWitch that not only did I not finish my last pattern repeat to make up the hour challenge she set me, I didn't do any knitting at all last week - bad Minx!
  • Knit_Witch
    Knit_Witch Posts: 4,436 Forumite
    1,000 Posts Combo Breaker
    I like the way you have confessed on here and not on my thread :rotfl:

    When do you go away? can you get your hour in before then? :p
    Must use my stash up!
  • I'm trying to finish all my library books before I go, no time for knitting! Actually it's very annoying, I've got 11 on the van to be delivered, but its next visit is the day after we go away.

    Mr Minx has just got a shock - he thought his MOT was due at the end of September but it's actually Sunday :eek: He's got meetings and a dentist appointment taking up Thursday and Friday, so it looks like he'll be taking my car to work and I'll have to drive the truck into town....assuming he can get an appointment!! It'll be the first time I've driven it and it's huge (Nissan Navarra), so I'm half hoping that it can be fitted in around the dentist appointment and I won't have to do it!

    Another quiet day in the office. Only £165 banked this morning, but I recalculated my cash flow and I only need another £110 by Monday, assuming that my eBay fees for the month don't go over £450.

    I think I've sold Finn's shorter leather girth, at least a lady says she's sending me a postal order for it plus postage :D That'll be another £23 in the kitty - which reminds me, I must pay in my birthday cheques as well. I checked with RBS and they can accept them for my NatWest account as long as I've got the correct paying in slip, which I'm sure I do somewhere. That's tomorrow's job then, looking it out.
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    gallygirl wrote: »
    Just cos you can't do anything financially doesn't mean you can't have plans in place. If someone gave you the money tomorrow what would you have to do? How much would you have to charge to cover overheads - you probably don't know cos you don't know what all the overheads are. So, shiny new spreadsheet, list everything and get researching. Otherwise you'll be kicking yourself in 3 years time when you have that lottery win ;). Seriously, don't let lack of money stop you moving towards your goal. Also it will make it seem real and spur you on to making that 5 year plan a 4 years 9 month plan, then 4 years 6 months etc. :T.

    How blooming marvellous!! You're so right. Thank you, great post!
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • Good news - I don't have to drive the truck. Bad news - they can't do it until Monday morning and we have to leave for our holiday at 11am. It's going to be tight!

    I'm now £99 into the black with the cash flow :D Everything banked between now and going away is a bonus.
  • Time for some Friday scores on the doors:

    (last week/this week/ + or - amount)
    Business
    Overdraft: -£-7481.47 / -£8006.00 -£524.53

    Business total: -£-7481.47 / -£8006.00 -£524.53

    Personal
    Overdraft: -£529.59 / -£462.89 +£66.70
    Egg card: -£3215.00 / -£3215.00 no change
    Barclaycard: -£2495.00 / -£2495.00 no change
    Nationwide card: -£2630.00 / -£2630.00 no change

    Personal total: -£8869.59 / -£8869.59 +£66.70

    Grand total: -£16,351.06 / -£16,808.89 -£457.83

    Yes, we're on the way back up again, but this week's business spends have included £160.55 to a supplier, £912.78 for the charm bracelet order and £810 to the VAT man, so all in all, it's not bad. I'm off to town this afternoon, so will pay those cheques in, that'll be another £80 off the personal overdraft.

    Mr Minx has been saying for ages that we need to get a decent sized trailer for collecting hay and building materials, as our little one (which isn't that small - you can get two pigs in it!) is getting to that stage in life where it's bordering on non-roadworthy and we've been relying on our neighbours' generosity in lending us their horsebox for picking up hay. The one he's been eyeing up is a 12 foot Ifor Williams flatbed at £3000+VAT :eek: and he was going to bite the bullet and order it when we got back from holiday, but today I got a tip off that someone locally (well, local-ish, it's about 50 miles away which is local for round here!) is selling a 10 foot Ifor Williams stock box, old but recently serviced with all the electrics working, for £600 - so we're going to have a look at it tomorrow morning :D If we're really lucky it'll be one of the convertible ones where you can lift the top off and use it as a flatbed as well (the neighbours have just bought one of those brand new).
  • It wasn't a convertible job and it was, as suspected, about 25 years old - but apart from a bit of external surface rust, it was in tidy condition, clean as a whistle inside and had had the brakes, brake pads, electrics and jockey wheel all replaced by the local dealership in the last 5 years. So we bought it :D List price for one of these (base model) is currently £3790+VAT so Mr Minx is pleased as punch - we paid the £600 she was asking. I think we could probably even get Finn in it if we had to - the lady used to use it for taking her cattle to shows but had her grandmother's Highland pony in it a few times as well. We've left it hitched up to go and get our first load of hay tomorrow:

    1176200_10151816359982118_1915257556_n.jpg

    Apart from that, today has mainly been about getting ready to go away. It still doesn't feel like we're going on holiday in less than 48 hours' time! I've got one order on eBay that was placed last Tuesday and hasn't been paid for yet. I've sent them a reminder and explained that I'll be away, but have had no response.
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Have a brilliant brilliant hols Caz!
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • Just popped in to wish you a good holiday.

    Enjoy yourself and the relaxing time you will have together. :)
    June 16 Mortgage Amount £82,896.15
    Official mortgage end date August 2027 :(
    Current rate 2.59% until August 2020
  • Thank you both :) It's been a knackering day - we picked up 40 bales of hay and took them down to the sheds with the quad and small trailer (in winds gusting to 45mph and rain), I managed to bruise my kneecap on something, Mr Minx dislocated the middle finger of his left hand and I woke up this morning with the distinct impression that I was coming down with cystitis, but a good glug of bicarbonate of soda in water (BLEURCHHHHHH) seems to have headed it off.

    All I have to do in the morning is feed the horses, pick up the manure, walk the dog, change the bed linen, hoover the living room, do the washing up, get the last bits of washing off the line, pack the last few orders, shut all the shops down, find the dog's antler chew, pack my suitcase, turn all the non-essential electrics off in the house and annexe, lock up, take the post to Melvich, drop the dog at kennels and drive to Glasgow airport. THEN I'll feel like we're on holiday :D

    See you all next week - be good ;)
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