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

Baldybear

Morning

So bit of a shock this morning as checked online banking and NWP DD payment out but double what we normally budget for, confused check the statement and the 0% offer has ended and we have been charged £37 interest . Lucky have enough in a/c to cover the extra payment without messing up the budget too much.

So checked the other cards details and we have a 0% balance transfer offer on OH's barclaycard, can transfer £1798 onto that till Nov 13 that would leave us with a remaining balance of £790.01 on the NWP which I will concentrate all my efforts into paying now. Will check with OH and get him to do transfer later. I think this is a good plan as then would mean would clear one debt completely so mentally be looking better as another one would bite the dust

Baldybear

Morning

Was good yesterday and listed 4 items on ebay and re-listed what hasnt sold, one has a bid on already

Vet this morning for annual injections and teeth, hossie was very good, bill was £114, had £112 in savings a/c especially for this so only £2 to find in normal budget, very pleased

Decided against doing balance transfer to OH's cc, have taken out new CC and balance transferred the entire amount, 0% for 15 months. Going to use this as main card as a Nectar CC so get lots of points when shopping in Sainsburys. Use Mr S all the time, as either that or Mr T. Morrisons, Asda and Aldi are all a min of half hour drive away so doesnt make sense. So will be putting the food on the CC each time to get the points and then paying of straight away to avoid the interest

Baldybear

Morning

16 NSD for April, pleased with this

Small spend today need to get money for hoss trainer tonight and milk for office, milk will be refunded though. Lunch bought in and dinner sorted for tonight.

Lovely day off yesterday, did hossie, baked some cakes and then went with mum and nephew to play in the park and feed the ducks in the sunshine

lucielle

We're in May now.
L

Baldybear

Morning so a good start to May with the weekend of No Spending Trying to beat my 16 in April.

Friday night went food shopping with vouchers from survey sites and special offers managed to save £25 so under £100, includes a load of food for BBQ we had yesterday

Saturday cut the grass, tidied out the outhouse. Sunday generally relaxed as had really bad hayfever Yesterday was lovely and had BBQ with family round, lovely day in the sun. Tonnes of leftover food so gifted some to mum and sister and rest is lunch today and prob dinner tonight and tomorrow

Hoss trainer tonight, did some work last week on trotting poles raised slightly of the ground and she was very well behaved. Definitely improving.

£40 received from one poll so £10 sent to joint a/c and £30 to my NWG. Balance there is now £3,942 so pleased with this.

Had mortgage statement in and our 2 year discount has come to and end, now onto the lifetime tracker. Payment has gone up £14 a month which isnt too bad and within budget still Have managed to pay of just over £9k of the capital in 2 years

Ebay sales are finishing tonight, few watchers and bids so a few extra pennies in the pot.

Got busy social month with friends house warming BBQ this weekend, should be limited spend just fuel to get there. Week after is cinema and meal, already paid for the cinema so just meal and train travel expenses to be found. Week after that taking mum out to dinner for her birthday but thats after payday so should be ok.

Baldybear

Morning, so yesterday didnt turn out as planned. Left work at 5 ready to go and see hoss trainer at 5.30 only to find I had a flat tyre on the car :mad: So OH came and we changed it and dropped it of to the garage to replace today. Whilst waiting went to the shop and spent £3 on carp food as was starving Eventually made it to yard had trainer and made it home for dinner at 9pm. Only good thing was hossie was very well behaved.

So spendy day again today getting the tyre replaced. Also need a rear windscreen wiper so looking at the best part of £110 Of course no funds to pay for this so will have to go on the card.

The only redeeming feature I suppose is sold 4 items on ebay last night, made about £10. Need to re-list what didnt sell and add some more items, will hopefully do some tonight but if weather is nice need also to clear the field of poo, wait and see. How exciting is my life, such choices :rotfl:

Baldybear

Morning

£109.58 poorer but new tyre, new windscreen wiper and one sparkly clean car, seen as I havent cleaned it for months, cough, they did it for free, they did say it wasnt great as was really dirty, oops, but worth the £109 just for the effort

No poo done or ebaying done last night but did sort out some more boxes in the spare room as donating some empty boxes to a friend thats moving, yay more rubbish out of the house, and found some more stuff to ebay and a large carrier bag full of recycling

Also did a wee tidy up at work and found some redundant ink cartridges so have sent those of for recycling for a few extra pennies.

Need to get some birthday pressies for uncle, mum and dad this weekend. Going to spend £5 hard cash for uncles gift voucher. Have £10 M&S voucher so will use that to buy dads pressie and half of mums, they only want small items as going out for dinner. So only about another £5 of hard cash to spend.

NSD today, lunch bought in and food in the freezer for dinner tonight

debtfreewannabe321

oh where did you recycle the ink cartridges, my printer broke but i kept the ink (wasn't sure what for though lol) so I might look into recycling them! xx

Baldybear

Nicked originally from Piq's diary, this is who I use, only seem to pay for ink cartridges not laser ones. Also have to wait until you get £20 to get a payout? Is ok for me as use a lot at work, otherwise they just get chucked.

https://www.therecyclingfactory.com/

Baldybear

Morning

Nice weekend was had. Saturday did hossie then old work friend popped round and picked up some spare packing boxes, swapped with some Thorntons chocs Then went to friends BBQ, had stupid row with OH on the way there so didnt talk to him most of the evening, wish situation was different as would have just been me on my own but hey ho. Had a lovely time catching up with friends. Sunday did hossie and then went to see cousins.

Was good and listed 4 items on ebay last night and re-listed what hasnt sold. The row with OH has just given me a big kick to get rid of this debt once and for all.

£11 withdrawn from paypal from last weeks ebay sales so has been sent to the cc today. Have got the refund back from the overpayment on the VW finance but going to keep in current a/c to pay for pressies for next few weeks and the few social do's so dont have to find the money from elsewhere.