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

Baldybear

Morning, LAM thanks for replying, yard owner wants to stay out of it so am locking store room and leaving it at that. If she has a real problem not going to talk to her just going to say go and see YO and if she has a problem I am sure she will come and talk to me. Other people down the yard have been great and know that I am ok.

Still looking around at other livery yards, one is only £170 a month for diy, I pay £182 but further to travel but does include feed and turn out so is worth investigating

Moneywise as seem to have lost track with lots of pony talk :cool:

£88 spent on horse food at the weekend but should last a while, this went on card, also spent £40 on card yesterday to get some training aids for the hossie. Offset slightly by minimum payment going out today of £86.63.

Mortgage out today so another wee bit of the debt.

Need to get few groceries today but have cash in purse so no extra out of bank. Have just enough in there to cover the last DD due out of car finance this month so at least wont need any to find from next months pay. Still short by about £50 next month but can find that from council tax and still be able to use some as overpayments

Baldybear

Morning Expenses that I forgot about landed today, £70 so that covers the shortfall in my current a/c next month so will be able to put all of the council tax money to debt

Baldybear

Morning world so snow at last in this part of the world but stuck at work so hoping ok to get back later. Got a big presentation to send of today, peeps from my office in Southampton were meant to be helping me but no one in office due to the snow :cool: hmmm so will have to do it all myself then :mad:

£10 sainsburys voucher received from survey site so will put this towards next grocery bill

£22 received from quidco for a bingo offer we did last year so that makes my current a/c well in balance for next month

And the best bit is that the inheritance cheque has landed :j Wont be able to pay in today but will be able to sort tomorrow or next week, which means drum roll will be able to clear the loan saving loads of interest and about £1500 to the cards :j

This is going to save me a minimum of £150 a month on outgoings so will be able to budget better and have more for overypaments :money:

Quiet weekend planned, meant to have horse trainer on sunday and also poss see another yard on sunday but these will depend on weather, apart from that lots of snowball fights :rotfl:

Baldybear

Morning, lots of snow over the weekend Finished work at 3 so wasnt too bad, walked to hossie gave lots of extra hay. Saturday had start of flu so a lazy resting weekend, did hossie, came home and rested in front of an open fire, ditto sunday. Horse trainer was cancelled as ground was too hard so re-booked for this weekend. It did mean a no spend weekend.

Wasnt at work yesterday as had flu, still feel like carp but too much work to do :cool:

Still havent paid cheque in yet, must see if I can do today. OH has been spending like no tomorrow :cool: but it was planned, he has bought himself a new pc and is getting a new camera lens and possibly a laptop so at the moment our debt has increased, just need to rein him in a bit and put more to the debt.

Baldybear

Morning world

Paid cheque in so come next week can start paying of bits. OH bought a new laptop last night, was going to get one for me as mine has enarly had it but can use OH's and need some new winter boots, not that I can find any that fit great but have ordered a pair and see if they are ok.

Worked out inheritance will pay of all of loan and an overpayment of £1k on cards, possibly more

Found more things last night to ebay, havent started yet this year so need to get going. Get some momentum going! Work is getting there lots to do but have found my mojo for that, now to do the same for home :cool:

Baldybear

Morning, tfi friday its been a busy week with work just manic but getting there

Got a call yesterday from a recruitment agency possibility of job local to me similar to what I am doing but probably more senior and more money, going to meet agency on monday and see where we go, always worth going for

Cheque still hasnt cleared grr prob now to middle of next week. Got loan payment due out monday, this is budgeted for so ok so will pay of remaining when the money is clear, means a little extra will go towards the cards

£45 from quidco landed this morning from a bingo site we did last year, deposit and pay through £10 and £45 cashback so £35 profit :j

Up to limit on couple of survey sites so have requested money so just need to wait until this arrive and then can really start getting some overpayments in.

Hoss trainer tomorrow, she was down last night to see somebody else and was amazed how hossie has grown, she is going to be big about 15.2 ish :eek: wish she would stop growing darn her, Baldrick was only 13.2 so going to be a big shock to the system :rotfl:

MAYAN65

your diary made me smile. i have 2 horses( 25yr old Arab mayan and a 10yr old thoughbred broodmare anasena mum and dad bought her for me in the summer) no matter how good i am at not spending on me when it comes to the neds i cant resist. mayan has had a new set of shoes on for the last 4 weeks and ive not managed to ride. at 65 quid every 8 weeks its going to be an expensive hack when i finally get out. What are your plans for horse? showing/ dressage/ happy hack?

Baldybear

Morning world

The boring bits first or not so boring Have paid of the loan :j and saved myself approx £818 of interest :money: So now have another £150 a month in budget to put elsewhere or at least balance the books better.

Have paid of on the cards what we have spent bar one item and then will be able to see how much we have left for the final overpayment should be around the £900 mark So once this has gone through will update signature properly.

Didnt do any ebay over the weekend :cool: but have sorted out spare room so all the stuff organised now ready to get on.

Thanks MAYAN for dropping by, eek to the shoes!! No idea what to do yet, love to happy hack but maybe a bit of showing, see how brave I feel and what she can do!

Now the exciting bit hossie had 2 sessions of training this weekend, long reining, first one was not so good she just didnt understand and the fact she doesnt like puddles doesnt help :cool:, not me doing it as never done before so pay someone else to come down so £20 a session so £40 spent over the weekend but well worth it, second session yesterday you could see how much she had improved. So now a week off and 2 more sessions next week.

Dodgy photo but shows rough idea!

Baldybear

Morning

So all payments gone through worked out what is left and have sent an overpayment of £928 to bcard Have updated signature and have managed to reduce the balance of the debt by £6,983.49 :j Looks fab but still have another £24K to pay off :eek: So no slacking :rotfl:

Have worked out new budgets for next month - joint a/c we get 1,350 and budget is 1,323, my a/c get 1,390 and budget is 1,235 so a little bunce in each, havent had this for ages:) So will monitor this carefully. Need to confirm ok but should have £300 in overpayments as dont pay council tax feb and march but waiting till end of month just to be sure:)

LAM2011

Aw she looks such a big brave girl in her long reining get up. She is growing too - I love her!

Must be nice to finally have the numbers working out on paper - and a great saving on the loan interest.