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

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Comments

  • Oh, and while I'm here - tried home made fly spray on the boys this morning because I'm fed up with forking out to replace trashed fly sheets and it seems to be working.

    500ml cold tea (I'm just going to put a jug of water by the kettle and put the used ones into it)
    2 tablespoons of clear vinegar
    A dribble of Avon Skin So Soft dry oil (be careful with this, some horses can be allergic to it - I was actually going to use a teaspoon of Dettol instead, but couldn't find ours!)

    Seems to be doing the trick so far, they had clouds of cleggs around them when they came to be fed this morning, but not a one anywhere near once they'd been wiped over with this (I sprayed it onto a sponge first because Merlin is a bit of a wuss about spray bottles).
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning, beautiful photo Trudi and love the name Grape :D

    Thanks for the fly spray recipe Caz, will have to try that one out :)

    So a lovely weekend, OH came up friday met hossie, she likes him cos he gave her a good scratch then relaxed at home. Saturday took OH to see my house as he hasnt been there before, now he knows what a big task I have ahead of me, if I do sell or whatever happens he has offered to help so thats nice. Then we cleaned his car and out to dinner with my parents, a NSD as mum offered to pay :)

    Sunday did hoss then went back to Kent, NSD for me but OH bought a new car, he is fab with money got £5k on finance but the rest out of his savings. So min debt for him and if we do move in together or whatever happens we are both on the same outlook finance wise as that will really help. Think a lot of my problem is ex, I do admit to being not great with money but since we have split I am really working hard and ex is just carrying on, there is such a vast gap in the way we think about money that I believe there would have always been a problem and there would have always been some debt somewhere. At least out of that situation now and moving forward is a lot better :D

    NSD today, lunch bought in, food out of the freezer for tonight.
    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
    Good morning :) TFI Friday :D

    So a good week, not much spending, hoss trainer cancelled as weather rubbish, bought some carrotts for hoss, choc for friends birthday and thats about it. Been eating out of stores for lunch and dinner :money:

    Mortgage out today, also minimum payment has come out for the card that is standing at 0, so will ring them up on Monday to send payment back otherwise will be in credit on my card, ha thats a first :rotfl: Can use the money elsewhere for shopping. Hate this week in the month before payday most payments have gone out, havent had any survey money through so at a bit of a stand still with the debt busting, very boring.

    Of to Kent again this weekend, going to pick up OH's new car tomorrow and then probably a lazy one :)
    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
  • trudij
    trudij Posts: 1,905 Forumite
    Part of the Furniture Combo Breaker
    Have a great time !! Did you look at that survey site? I've only been on it a week and have barely done anything and I seem to have £7.20 already - be good if that carries on!!!!
    Do not meddle in the affairs of dragons, for you are crunchy and taste good with ketchup
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    I've saved your link trudij - thanks.
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning :)

    Trudij done that link, so hope you get the referral ok.

    Lovely non spendy weekend, OH picked up new car, nice and shiney, he is going to get me insured so when we go on hols in Sept can drive so he can have a drink if he wants :) Didnt spend a penny, OH had loads of food in, went to shop on Sun am but OH paid just to get a few bits as his parents came down for a few hours for lunch which was lovely.

    Came home to a £10 sainsburys voucher from survey sites and 2 washing powder tabs from free sample :D

    Spoke to bank yesterday and the £53 should be refunded in few days so that CC will be 0 and not in credit.

    No spend day yesterday and today, lunch bought in and food sorted for dinners.

    Spendy day tomorrow, taking lawnmower back to shop as broke but luckily within guarantee period, need to get a photo done to renew driving licence, not sure how much but assume DVLA will charge me! Also need to pick up a few toiletries, but have £4 boots vouchers so that will help and get a few groceries but will use the £10 voucher so again limiting the actual spend :)

    Really happy with OH at the moment, things seem to be progressing really well, taken long enough to find someone who I feel really comfortable with and seems the same way about me, so really enjoying it :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
    [FONT=&quot]Afternoon :)

    So a productive lunch hour today. My lawnmower broke luckily my mum had paid £20 for insurance so the lawnmower was swapped ok and for extra £5 guaranteed replacement for another 3 years :)

    Body spray and shampoo bought in boots but used vouchers from survey site so free :D

    £10 voucher in sainsburys too so only £14 spent on weekly shop! Going to write a customer complaint to sainsburys though as wouldn’t let me redeem nectar points as not my usual store and you have to spend in the store 3 or 4 times before you can redeem unless you go to customer services and takes about 10 mins manually, grrr. Apart from that very money saving lunch hour :money:

    [/FONT]
    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
  • Glad you and oh are getting on so well, great news on the voucher and freebies. I can't believe you can't use Nectar points in different stores I don't see the logic in why they would prevent anyone using them! Barmy!

    C x
    Loan from Mum £500/£300
    DH computer £270.06/PAID :T
    Kids computer £854.33/46.18 :eek:
    Bike £276.15/118.35
    Overdraft £1192/0 :eek:
    Car £5374.04/316.12 :eek:
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    So happy to hear you sounding so happy, long may it last

    granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :)

    So a NSD, lunch bought in and eating out of the freezer later :) OH is coming up for few days this weekend as sis is away so can stay at hers so will need to get few bits tomorrow, have lots of meat in the freezer so will find something to eat.

    My min payment from my paid of CC has been refunded so have sent that to my Sains CC so now takes my total under £2k, not long. Payday tomorrow so some more payments to come out, hopefully get some other bits of money through soon too. After this weekend getting back to the good ole ebay :)
    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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