£31K and a baby horse, 2013 could be fun :)

Baldybear

Morning (just)

Quick update

Paypal money has hit account so transferred that to NWG. Last buyer paid so sent that of today then can withdraw. Few bids on items ending tonight. waiting for some survey money to come through.

Was bad yesterday and spent £80:cool: £30 on cinema tickets, not till May but out to go see film and then some dinner with some good friends, need to save up for the meal. The rest on hoss trainer tonight and then out for hen party meal on saturday. Never go out for months and then everything all at once :rotfl:

Off this afternoon as having water meter fitted so hope it makes a difference to the bills. And of to hopefully create a cake this afternoon. Its my nephews 3rd birthday party on saturday so have to make a fireman sam cake. So made the cake last night, burnt my arm on the cake tin getting it out of the oven (not a good start :rotfl:) so attempting to ice it and make it look like a fire engine this afternoon, could be interesting

Havent updated on hossie for ages. Have started to take her out on the roads, done 4 sessions now, just local walking round residential estate but so far so good, so pleased.

And a quick photo of her taken on saturday evening, love this its a stop taking photos of me and just get me in and feed me face

lucielle

lovely pic
L

Baldybear

Morning, so water meter not fitted as have joint supply with neighbour, can have one fitted inside but need to get some pipework changed, going to get a quote to see if its worth the savings.

3 hours later stupid cake made, I am not a cake maker so apologies in advance if I scare any of you

This is what its meant to look like
http://www.google.co.uk/imgres?imgurl=http://farm5.staticflickr.com/4123/4782043703_a15af926f6_z.jpg&imgrefurl=http://www.flickr.com/photos/donna_makes_cakes/4782043703/&h=426&w=640&sz=124&tbnid=nuSPt-VNlDZhKM:&tbnh=90&tbnw=135&zoom=1&usg=__8qNJ3Gfh2y2wqh1L1P8zHA_8vRA=&docid=W9-cSZimxSObEM&hl=en&sa=X&ei=H8xnUZbME6eM0AX0toG4Ag&ved=0CDEQ9QEwAA&dur=446

this is my attempt:-

grannyx2

I think that cake will delight your DN and I hope he has a lovely birthday.

Granny x

Baldybear

Morning

Party went ok and everyone thought cake was good so pleased with that. Spendy weekend as had hen party afterwards had budgeted £50 but only spent just under £30 as food was cheap so £20 to horse trainer for Thursday and then £20 for sunday means will be £20 better off. Can use this for drinks at wedding on friday so in budget

Went out yesterday to see OH's son as he has been having a wee bit of trouble, took him out to lunch so that went on card but only £35 for all 3 of us so not too bad.

Good news, £16 transferred from last weeks ebay sales and have sent to my CC. Awaiting payment from survey sites should be over £50 just waiting for that to hit bank/paypal. Re-listed items yesterday evening, just need to get some more on there.

Baldybear

Morning

NSD yesterday and again today. Need to ring hairdresser to see about cancelling or possibly postponing till later and stretching out, not sure yet, need to have a think.

Mortgage out today and small min payment of £18 to my credit card so all going the right way.

Was talking to OH last night and he was moaning about my cooking and said he could always do it, but he cant be bothered, I babysit for sis once a week and she feeds me so say then why doesnt he cook for himself then if he doesnt like the way I do it (its pure laziness) as he always gos and gets a takeaway, his argument is that its cheaper then cooking for yourself. :wall: Seriously so £3.50 on dinner is cheaper than getting something out of the freezer, and he wonders why we are in debt.

So angry we are in this debt, he is still spending like nothings changed and I am the only one doing any work to get out of it. Well I will carry on and when we split up officially then I will be the one who has learnt the lessons and be ok afterwards.

Baldybear

Morning

Had a tot of the debts total not including parents loan is £16,870.73 an increase this month, most due to balance transfer fee and the start of the big dentist bill.

Really need to get this down, more stupid arguments with OH last night, just need to get out of this situation. So small starts, all payments out of joint a/c this month and money going in will cover next months bills so rounded down to 0 and small payment of £7.38 to cards. All helps

Another NSD today, lunch bought in and dinner in fridge all ready for later

Baldybear

£10 voucher for sainsburys received from survey site so that helps towards next weeks grocery bill

Have updated signature. oh joy!

Baldybear

Morning, TFI Friday

Hoss trainer was good last night, took her out on the roads in the rain, she was a bit wary of sparkly roads but behaved, next session on sunday. I need to start doing more with her in the week as well, must find some time :cool:

Have hairdresser booked for mon so need to get money out for that and trainer on sun - both budgeted for and will spend small amount today on chocolate for office to get cashback at supermarket as no cashpoints around here.

Out tonight for friends wedding, have £5 in my purse, will get OH to pay for anything else.

Need to go and get hoss food tomorrow, not any money left in budget, but is next month so will go on card but repay after payday (next week).

Going to try and spend sunday afternoon doing ebay.

£26 landed from survey site today so has been sent to my card

Baldybear

Morning

So a mixed weekend but a good one

Bought OH a new car
Traded in old van, clears the finance, he has bought on a 3 year term so can trade in or pay £3k to keep it so means it will be his problem so effectively £5k written of our debts as of today :j
The monthly payments are slightly more expensive £11 a month more
The car tax is £195 a year cheaper and the insurance £300 a year cheaper
Spent £357 on hoss food, as getting rid of van stocked up as wont be able to get as much in one go anymore
Have shed loads of hay, bedding and food now so the hay should last at least 5 months so will be in budget, bedding will last 3 months and hard food about 3 months.
Didnt manage to do any ebaying
OH worked overtime yesterday so hopefully will be able to contribute a few more pennies to the pot, or at least start paying some of his dentist bill off which is adding another £1200 to the debt as of tomorrow.

So now the debts to clear are the 3 credit cards and the sofa around £11k so still a massive figure but one that is hopefully more achievable in the short term. Then its just saving as much as possible and tight budgeting to enable me to keep my house and somehow if possible take on the mortgage myself.