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

Baldybear

Morning, so yesterday finished badly, went down the field and the hosses had broken the fencing so had to fix that, mentioned it to the evil woman I share the field with and she said cant do anything about it now, ok so when shall we do something about it tomorrow at 7am grr, I really hate her :mad: Walking around in the dark in the freezing wind isnt my idea of fun but fixed now and will make it plain to the owners that I did it all by myself. Not home till gone 7 and OH had an arguement so great end to the day

So this isnt all negative been proactive today and have done the following:-
Raided various savings accounts and have put £108 to debt, better than sitting earning minimal interest
£14 received from survey sites and ebay has been sent to CC
£30 spare from joint a/c has been sent to CC
Have applied for a water meter at home which should save us around £50 a year
£25 received from auntie for birthday so paying in today and will send to CC
Boss did mention a payrise, would get it 1st July backdated to 1 March which will be great
Just noticed its budget time soon and that personal allowance is going up so a few extra pounds in the paypacket

grannyx2

Hello my dear, just popping in to say :hello: hope you are feeling a bit better about things now. There is nothing like having to make a big decision to make you look at other areas of your life that need tackling too. Hope things with OH work out.

Good news on pay rise

Granny x

Baldybear

Morning world, thanks granny for dropping by

Think plan is still to split up with OH, love him lots still but just as a best friend, really sad but dont know any other way out of it. So the plan is to clear these debts and try and buy him out of the house. So just a small challenge then

So need to get rid of £16k worth of debts now. So the little things my credit car is now £792, OH's is £7k Going to see if can balance transfer the interest loading part onto mine. Another mortgage payment has gone out and car finance going out next week. Have looked at the house and think can clear my credit card and poss the NWP from ebaying so thats the challenge. Was going to start at weekend but had cold and just felt rubbish. Also tweaking the budget, minimum grocery shopping etc all little ways to cut back to help.

Bad things are council tax has gone up by £3 a month, grrr, and the water bill has gone up but the meter is being fixed soon so hopefully that will save us some money.

cazmanian_minx

Sorry to hear the news about you and OH

((((((((((((((((Baldybear)))))))))))))))

Baldybear

Morning world

Caz thanks for dropping by really appreciated Am rubbish and way behind with other peoples diaries so must catch up. :cool:

Managed to get 5 items listed on ebay yesterday only 99p start price but it all helps, and one has a bid on this morning MD in today and bought a choc pastry for me so saves my breakfast for another day so good moneysaving start. Got 32 dishwasher tablets through the post for testing from a survey site so that also helps the budget.

Got to get £20 for horse trainer, doing friday and sat (already have one days money). Hossie is doing really well long reining, I am learning now and its really hard work, was knackered after doing 20 mins on monday so friday is going to be fun:rotfl:

cazmanian_minx

I really must learn how to long rein, I'm sure it would do Merlin the world of good. Glad hoss is progressing well

grannyx2

Sorry to hear you feel the only solution is to split but at the end of the day you have to do what's right for you. Just remember we are all here to support you

Granny x

Baldybear

Morning, thanks granny for your kind words again

So weekend, friday was long reining much better and slowly getting it but hoss still doesnt want to walk for me so trainer has to stand near her head, getting it slowly. Went shopping in the evening £68 but came out of budget.

Saturday NSD Weather was carp so cancelled trainer, really getting fed up of snow and rain, costing me a fortune in hay, grr, grass is just not growing!

Sunday was a NSD did hossie and then parents and sis, bro in law and nephew came round for day, made 2 cakes on saturday so one consumed in afternoon, did dinner and then other cake consumed afterwards, used up some leftover ingredients I had lurking so that was good.

Yesterday used up leftovers for dinner Went to shop and got birthday card and some presents for nephew so spent £50 on credit card Then hoss trainer again last night, threw a bit of a paddy fit but calmed down and worked well in the end

So today need to get some more money out for hoss trainer for this weekends sessions (these are all budgeted ).

Debt wise 2 bids on ebay up to about £8 so that helps, must list some more tonight. Car finance payment out, must update signature. Going to cancel hairdresser and dye hair at home, think of some way round it to save some extra pennies. Need to up my game more to get rid of this debt asap.

Upsidedown_Bear

Just to let you know it's free listing on fleabay Friday to Monday

Baldybear

Morning

So spendy day again yesterday, got easter egg for nephew, wedding card (going to use survey vouchers for gift :money:) and some cash out as meeting a friend for lunch tomorrow.

To redeem myself 2 items sold on ebay, should be around £8 profit and listed 4 new ones, no watchers yet but early days and at least they are now on. A NSD today, babysitting at sisters tonight to free dinner