Pollyanna

ChopinonaBudget

Postie brought me lots of new plastic today. It'd be frightening if it wasn't all for balance transfers and loyalty cards!
I now have....
Natwest debit card
PIN for natwest credit card and letter explaining there's been another technical error and I can do the balance transfer but need to phone up to sort it out.
Argos points card (balance £88). I'm back on the bus to buy the Hoover. My house is now foul, embarrassingly so. I hope I can do this before 4pm teaching, AND make daughter packed snack box to take to flute, and pack her flute bag (mad panic this morning, she wasn't well, so she wasn't her usual organised self)
I'm tempted to accept Natwest's o/d offer as I had another petty argument with Barclays this morning over the usual rubbish. Even the guy I speaking too admitted that yes I had been previously lied to! Hmmm.
If my credit file can handle another search for this overdraft then I'm off.

Toodles

ChopinonaBudget

Oooooo! New Hoover = more free cardboard for packing up delicate and breakable vinyl for eBay! I can only sell as I acquire free packaging so for the first time ever I am rather liking Amazon's ecologically disastrous over packaging!

ChopinonaBudget

I'm shattered, a little fed up, and now have 3 hours teaching to do Hoover works great, but I have a grazed finger from catching it on a wall while struggling with the damn thing back from the bus, my back is sore as hell after carrying it, (I slipped a disc a year ago, carrying heavy items HURTS) and relying on public transport is grating on my nerves more and more with each passing day. Especially days like this.

Pollyanna - the glad game - the end is in sight for public transport, I now have a Hoover, my house smells better (ewww), I can chill at 7pm, and I have £20 of Argo vouchers I now have to use by end of October so will choose something nice for me and daughter as i think we both deserve it

ChopinonaBudget

Spent the evening setting up online banking and mobile app for natwest account also helped daughter get cookery ingredients together for tomorrow, so she's all organised too now. She has a rotten cold, poor thing.

New student is booked in, I'll adjust my soa tomorrow in the meantime, I have now burnt my boats with doing any LSA work by booking her in early in the only afternoon I haveleft that I could possible have taken agent work on. It's a gamble but worth it I think... I can afford to cope without here LSA work, especially if I have an hour of teaching filling the gap that I had to keep clear for travel - and I'm much better off by not bein exhausted doing his those 12 hour days.

I sold my Nano!

In a nanosecond!

£45 in my pocket, tax free thank you very much Mr & Mrs HMRC, don't even try It on with my ebaying, I'm keeping all my documentation

ChopinonaBudget

I had fun on the natwest website getting "quotes" for loans. I like playing with numbers. 23% interest (if I remember rightly) on a £3000 loan, but 7.5% on a £13000. I'm just about curious enough, but too tired tonight, to work out the following : if I needed to borrow £3000, wouldn't the cheapest way be to borrow £13000 at 7% then immediately pay back £10000, keeping the lower interest rate without paying back undue interest.
Wonder if anybody does that?

ChopinonaBudget

It's started. :eek:

I've just filled in an online survey about Christmas.

It's officially started :eek:

Anwer to question 6 - Q. Supermarkets could help me at Christmas by ...
A. Not stocking Christmas stuff in bloody September

ChopinonaBudget

I actually like Christmas these days, after years of really disliking it with a vengeance that could only have been described as fiery

I love cooking a massive dinner for me and my daughter, getting a bit drunk, watching stupid kids films on tv, and generally chilling out. Last year was FAB!

And my daughter said something was missing on Christmas Day morning, and that it didn't feel like Christmas. Then she worked it out. No shouting. And a mum who was pootling around the kitchen very happily cooking the livcing daylights out of a turkey, a walnut roast, and 17 types of vegetables. Quite novel.

But if we could stop seeing Christmas stuff for sale in September, I think that would be lovely. I'm not convinced we need to think abnout it for a quarter of the year.....

ChopinonaBudget

I'm off to get some much needed lesson prep done now (having parcelled-up and posted my sold-in-ten-minutes Nano!)

But before I go, I thought I'd post a replica of my accounts on my phone app. If anybody is more anal retentive than me and has more accounts and "not really" accounts, then I would love to know, because at the moment I suspect I hold the record....

Natwest (newly opened account) - £1
Cash (not yet banked lesson fees, held in pencil case on top of piano) - £0
Cheques (ditto) - £0
Cleared Co-op (account for self employed earnings, I had problems with Co-op not telling me when cheques were cleared, and a few bounced, so I keep two separate "accounts" and keep strict track of when cheques are deposited - £0
Uncleared Co-op (see above) - £30 (cleared 08/10)
Expenses Float (money in co-op account I don't draw on, but is free for stationary, printer ink etc) - £31.36
PayPal (money from eBay sales, non taxed as not a business) - £0
Payslips (money earned in PAYE post but not yet paid, I have to keep close track of this as I earn an hourly rate that depends on how many hours I do) - £229.39
Current eBay (not including fees, money owing on not yet paid items, and current high bids on stuff still up for auction) - £53.19
Natwest Credit Card (ready for balance transfer from barclaycard, waiting to arrive in post) -£0
Library Fines (:o) - £-38.06
Mum Loan - £-700
Barclays overdraft account - £-1,266
Mum Loan 2 - £-1,700
Mum Loan 3 - £-4,500
Barclaycard - £-4,636.52

The top half looks rather nice. If I never scrolled down my app, I could live in a lovely state of permanent denial!:D

ChopinonaBudget

Round one of lesson prep done.
Emails with aural sound files fired off. My poor student, she's got a lot of boring listening to do!
(and this is why I couldn't be without my smart phone now, recording stuff for students and emailing it is so crazy easy I wonder how I ever coped without one)
Lesson prep round 2 can start after I've cleared enough crap to get to te table. I'm not teaching from home today so the tidying can go hang a bit

ChopinonaBudget

Yay!!!!!

I have transferred over £4225 onto 0% Natwest card!

Barclaycard will be paid off as soon as humanly possible, (overdraft is still priority, and the interest difference between the two is negligible)

The only downside is next month is going to cost me a FORTUNE in direct debits, as it's too late to stop the £110 going out to Barclaycard, and I have to pay 1% to Natwest PLUS the fees, which is £135.26.
Ouch.
Worth it, but ouch

Back to work I go, Theory Worksheets await!