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

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Comments

  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning :)

    Thanks Granny for your kind words, I do feel determined. £16 withdrawn from ebay sales last night so another wee bit of the debt. Need to go shopping tonight as running low on fresh fruit etc, but have couple of vouchers for free butter and £7 of £70 spend and money in budget to pay so hoping to spend minimum.

    Have still got lots of food in the freezer and store cupboards so will be using lots up rather than just adding to the stock pile, anything to save a few more pennies :D
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Evening :)

    No money spent yesterday, didnt go shopping cleaned out the hammie instead, how exciting is my life ;)

    Spent £8 today on some chocolate to supplement dads birthday present. Had cash already. Hossie trainer this morning, tried on my old saddle but it doesnt fit so going to organise to sell that, hopefully will net me couple of hundred pounds, all money to add to the pot :) Have re-listed some items that havent sold on ebay and have listed 4 new items.

    Will be shopping tomorrow evening, got some extra vouchers from sister to help :)
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    I think you will find the extra money. With your focus and determination you will do it. Just takes time that's all. I wish you were nearer I'd give you loads to ebay and split the proceeds with you. I seem to have a deep rooted hatred of doing it. Shame really as I could sell my pots on there along with copious loads of junk!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning, thanks Piq I hope I can find that extra money. And wish you lived closer too, I hate ebay too but brings in the goods, just find it mind numbingly boring :cool:

    So another ebayer paid yesterday so 2 items to post today. 4 items ending tonight and some with bids on :) Will put some more on later.

    Hossie trainer tonight, but then shes away till mid July so will save some pennies, going to get a friend at the yard to help whilst she is away.

    Went shopping last night went with Mum, my shopping was £65 then mums was £85 totalled together got lots of vouchers to take down to £79 and mum gave me £20 so about £5 better of :) Didnt see ex OH yesterday so just bought what I wanted, so much cheaper.

    Had 17 NSD in May :D A NSD today and lunch bought in and cash for trainer already waiting at home.

    Felt really low yesterday :( stupid hormones, text couple of friends one didnt reply straight away, prob will soon but made me feel carp, was stupid really as am better than that and just need to dust myself down and pick myself up. Going to meet a friend for lunch today, go and sit in the park in the sun. Need to be positive this is what I want and am happier than I was when I was with ex OH just need to get over the monthly hormonal blips :cool:
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Stupid irrational brain, friend has just text me back and feel better now :) Hate being female sometimes.
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    It is a pain isn't it? Knowing you're being over-sensitive but still being unable to ride through it, we've all been there. Tomorrow will be better!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • trudij
    trudij Posts: 1,905 Forumite
    Part of the Furniture Combo Breaker
    Agree with piquant - we're all bonkers sometimes!!

    :)
    Do not meddle in the affairs of dragons, for you are crunchy and taste good with ketchup
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning, thanks for the support glad its not just me stupid hormones :cool:

    Hossie trainer last night, so well behaved again, I love my Horse :D

    Mum popped round and we finally planted the runner beans, fingers crossed they grow, sorted out the watering system and that all works now. Strawberries are looking good. Got space to plant something else, did carrots last year, maybe do these again, will have a think.

    Angry at ex OH last night, loads of food in freezer and so on and he goes out and gets fish & chips from takeaway, I know its his money now but it makes me so angry :mad: He says he is too poor to move out, cant afford anything, if he budgeted better and sold all the rubbish in the house he doesnt use could easily clear his credit card and be left with savings, but wont, he just doesnt want to. Just get wound up thinking about it. Need to carry on with my plan of clearing debt and building up those savings to take over the mortgage and then can force the issue of him moving out that way, dont think it will happen otherwise :(

    So on the debt reducing front sold 2 items on ebay last night, should net be about £15 :) Will re-list what didnt sell and list some more on Thursday. Off Babysitting tonight for sister. Sofa payment out today too so another £30 of the debt.
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning :)

    Another ebayer paid so a small item to post today. Few more items ending tonight, one with a bid one, will list some more later.

    Didnt go to sisters as had bad girl pain, so a NSD today as need to get some more painkillers :cool:

    £10 amazon voucher received from survey site, will use for birthday presents. More survey money redeemed but waiting to hit paypal.

    Received a letter from old loan about PPI so have researched it and believe it was mis-sold so have sent of complaint form today. Watch this space to see if get a result.
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning :)

    No ebay last night out in the field till gone 9 fixing electric fencing, darn hossies, its not turned on today as battery dead but getting a battery tonight from friend so fingers crossed they dont break it again, shouldnt do as have opened it up so they get more grass.

    One item sold on ebay last night, ready to post today.

    Another £21 of the NWG card today, £18 from recent ebay sales and £3 from survey site. All going down slowly :D

    Off to see a friend in Kent over the weekend again, so a small spend today to get some food and beer to take, will need to get fuel over the weekend, but have enough in account to cover both spends :)
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
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