Pollyanna

ChopinonaBudget

Right, time for an updated signature - this one is now going to include some (can it really? really? is it true?) Actual CREDIT!!!!! MY OWN MONEY!!!!
MINE!
NOT THE BANKS!
MINE!

I OWN IT!!!!

ChopinonaBudget

Signature updated

I am acutely aware, for anybody who is looking confused, that my credit card debt is increasing...

This debt, however, is 0%, and is increasing as I am shifting debt away from my overdraft (done!), and possible more importantly, away from the account that matters as priority bills come out of there.

I have a spreadsheet (bit of a nerdy one, in the words of my accountant "Oh my God, that's ANAL!") which reliably informs me that my overal debt is steadily decreasing, even though it is increasing in some areas. As long as my final box on my DebtFreeDate spreadsheet keeps going down, I don't really care which debts get bigger and which gets smaller, as long as they cost me the least

ChopinonaBudget

Bollox. Just had to spend money on a dehumidifier. Having had to throw a large quantity of books out last year due to the b****y damp in this hellhole of a house, it's starting up again now winter's here, and I've had enough of throwing out my childhood stuff.
£137
Bollox

And no, there was nothing on gumtree or freecycle.

ChopinonaBudget

Interesting side effect of being poor: daughter is getting maths work to do with working out gas bills, tax bills, etc. she's the only one in her class who can rattle through them with ease. Even some of her teachers don't understand how she worked out the gas bill stuff.
She said its an advantage to having to budget That, and knowing how to save up for half an iPad

ChopinonaBudget

Having had a chat with daughter about care arrangements during the initial training period if I get shortlisted, I'm now making steps towards applying to be an ABRSM examiner. It's something I've wanted to do for many years, but being a single parent with a young child it's not been an option for me until now.
I'm going through the podcast now working out the job spec - they want a hand written letter rather than an application form, so this is going to take a while!

Meanwhile, my daughter is watching a channel 4 documentary about the finding of alien skeletons that are obviously bit of rodent and cat foetus superglued together (the cat foetus was my daughter's guess, she's inventive and has an interesting brain!)

ChopinonaBudget

I give up. I can't work out whether this documentary is a hoax or the funniest documentay I have seen in years!!!! :rotfl:

ChopinonaBudget

Brilliant. Daughter has found and identical skeleton to the "alien". Squirrel monkey foetus.

She's wasted doing GCSEs :rotfl::rotfl::rotfl:

ChopinonaBudget

Job spec done and printed. Application form applied for. Waiting now for postie.

If I get this it would be very good for me, both financially and in terms of professional development. It's a fairly long process though, with a fair few hurdles, and I could fail at any one of them...

Application form
Initial interview/brief assessment
3 days training/assessment
4 days training/assessment "on road" in examinations

It's a waiting game now......

ChopinonaBudget

Rent and 1st of month direct debits went out. £141 overdrawn again ah well, it was nice whilst it lasted. Onwards, ever upwards....

ChopinonaBudget

Dehumidifier was faulty It made a sound not unlike a hoover trying to vacuum up a large dog made of lego. I've sent it back to Amazon and reqeusted a new one, and kept a recording of the noise it made just in case of any problems....

Good news I got my DFD wrong. June 2015 not Sept :T
Onwards indeed!