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

Baldybear

So not a NSD, spent £10 on tombola bingo, with £20 cashback Won £15.63 so withdrew this so even if cashback declined still £5.63 profit

Baldybear

Morning, cashback transaction has tracked so that should be another £20 profit

Still no bids on ebay, will be doing some more listing over the weekend.

Checked salary yesterday and hopefully according to MSE calculators should be around £30 a month better of after personal allowance tax rise, this can all go to debt

Out for lunch today but have money already out. Nothing major planned over the weekend, need to do some work to tidy up the house a bit, got hoss trainer twice with money already budgeted for this.

grannyx2

Great news re the slight extra money each month. Every little helps doesn't it.

Enjoy your lunch and have a great Easter break.

granny x

Baldybear

Morning

So good and bad summary, start of with the bad first :cool:

Just did new totals for the month and debt has increased by £196 from 28 Feb, cries, but out of this did get big coal delivery so think this accounts for most of it, but this will be it now till winter, also ordered a coal bunker so a big one off expense
so still a massive long way to go before we are debt free and can move on properly
was bad and spent £20 on a chinese takeaway on saturday, money which could have been better used elsewhere, but nothing wasted and leftovers used for dinner last night

tided the garden over the weekend and had loads of random wood from the house building works and OH's parents had donated a load of spare wood so chopped that all up and half filled the coal bunker so wont need to get any for ages
managed to list 2 big items on ebay, one is an old coin my mum found that she didnt want anymore, has 2 watchers on it so keeping everyone crossed it sells as could make £300 in profit
couple of 99p items have bids on so that all helps
sorted out more stuff for ebay including about 30 dvd's so need to get those on soon
Managed 14 NSD's in March

Had hoss trainer twice over the weekend, we took her out on the road, first time, I long reined her and trainer had a leadrope on her headcollar just in case. First time out looking at everything not that keen on white lines and drain covers, but the second day we took her out she was much better and was listening to me and trainer there just in case, she walked over the white lines and wasnt that bothered about the drains, had cars going past her and small children coming out of the house to see her, although didnt stop and say hi. Out for about 20 mins both times so really impressed Got 2 sessions again this weekend booked so may take her out again, hoping to meet some buses and other scary things.

Baldybear

Morning

So a NSD today, bought lunch in and dinner planned for tonight. Sold 2 items on ebay yesterday netting me about £7 in profit Must check paypal balance as should be able to withdraw some funds to put to cards.

Weather dependant if it stays dry may try and clear the field tonight of poo, if not then will be doing some more ebay. How exciting is my life :rotfl:

Baldybear

Morning

£17 withdrawn from paypal from ebay sales so that has been sent to NWG

Small spend today £10 on bets for grand national, but with £25 cashback so profit straight away. Have bet on 4 hosses so fingers and hooves crossed

So no ebay last night but did clear the field of poo, bloomin freezing and was snowing as well :cool:, all while hoss was tucked up nicely in bed :rotfl:

Baldybear

Morning

So big spend day today. Have transferred £3.6K of the BC card to my NWG at 0% for 12 months. This means now that everything bar £800 is now on 0% so should make some better inroads into paying this off

Food shopping needed later have budget for this.

Managed to list another 4 items on ebay last night so fingers crossed.

Of to look at changing vehicles at weekend, trade in OH's van pay of the finance and then either get new finance or poss cheaper bank loan to buy a smaller more cheaper car to run so should save more in the long run. Hoping not to add to our debts even more.

grannyx2

Great news re the interest rates.

Good luck with the vehicle hunting.

Have a good weekend, I'm out of forum until at least Wednesday now

Granny x

Baldybear

Morning

Still waiting for transfer to show on a/cs then can update signature.

Saturday was a spendy day, spent £80 on hoss, but got a bridle, new headcollar and leadrope, all in full size:eek:, will need to dig out Baldricks old stuff and sell now as only pony size . Went and looked at getting OH's van traded in so just need to decide what and sort that out soon.

Sunday was a NSD and all meals from the freezer. Sold 4 items on ebay including the big one Should make around £350 after fees from this one item so really pleased. Of to post today then can withdraw from paypal. None of my hosses won on the grand national but cashback tracked so will stay make £15 profit

Baldybear

Morning

Transfer to NWG has gone through must update signature. Ebay sales have been delivered so have just withdrawn £357 from paypal

Ebay still one buyer to pay and one bid and a couple of watchers on items ending tomorrow so all good.

Must list some more will do tomorrow evening. Need to make a cake this evening and then decorate tomorrow, for nephews 3rd birthday party on sat, he wants a fireman sam cake, am not a cake maker so could be interesting, if not a disaster will post a picture

On bad news OH has had tooth problems, been putting of the dentist for years so now has gone and we have a £1,600 bill to come And of course no money to pay for it so adding on to debt. Never get debt free at this rate and want to move on but its just me, OH just carrying on as normal, no incentive to save money its all about him and I'm the one doing all the hard work, so annoyed :mad: :wall:

But what can I do, need to up the ante on my behalf and see what I can achieve and get out of this mess now, if I leave to others be here in the same situation in 10 years time. If nothing am stubborn so will put my stubborness into action and get out of this mess