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determined....2013

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  • haybel19
    haybel19 Posts: 1,332 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Cashback Cashier
    Sorry you've been feeling a bit low, it's tough to find your way when the motivation's just not there.

    Glad Max is back home, hopefully he'll be back on all four paws real soon. It's such a worry with the furballs isn't it ... almost as bad as with a child. Still, I wouldn't be without mine for a moment.

    Good news that the Princess is brighter & back to playing today, must be a relief.

    Hang on in there, they may be small improvements but at least they're steady.

    Angel xx


    Thank you. Max is on the mend eating and drinking well, but still lethargic and sleepy. Needs lots of cuddles and fuss.

    My princess is better thankfully, and back to her happy self.

    Made a list of direct debits to tackle to see if I can reduce. Have started with sky and reduced from £66 to £48, so great start.
    Make £10 a day challenge November £125.60/310
    December 417.35/310 January 512.33/310

    £1000 emergency fund challenge 0/1000

    Rule of 3 challenge 13/365
  • haybel19
    haybel19 Posts: 1,332 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Cashback Cashier
    Tackled another three direct debits this morning, E*n who on reviewing my direct debit put it up :eek: Angli*n Water which cant go down!!! Managed to get £2.20 a month off the home insurance :j

    Still got some more direct debits to tackle. So fingers crossed can get a few more reductions.
    Make £10 a day challenge November £125.60/310
    December 417.35/310 January 512.33/310

    £1000 emergency fund challenge 0/1000

    Rule of 3 challenge 13/365
  • Haybel glad your DD is feeling better I have never known worry the same as since we had our little girl and when she is ill, especially as they can't tell you what is wrong. You are doing fantastic with your comps etc, and have motivated me to look more on cash back sites as I do lots of ordering on line. How is Max doing, hope is back to normal
    Loan £19,728 £1,541 Virg £14,273.81 £8,228 @0% Barc £10,056 £0 NatW £3,682.73 £2,917 MBNA £9,624 £8,654 @0% Overdraft £3,500 £2,000Starting Jan 20 Total Debt £51,239 Mar 23 £23,341 DFD Jan 25 22mths to go Mortgage £248,011.94 £239,659 - MFD Nov 2047 Nov 2046 - LTV 66%EF £0/£300My diary{/URL}
  • haybel19
    haybel19 Posts: 1,332 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Cashback Cashier
    edited 25 February 2013 at 8:46PM
    Max is much better thanks, bit tired out but eating and drinking well and back to his happy self...sprawled in his bed at the moment after a hard day looking after us all...

    Princess having a bad day teething... just in case you all think her name is actually princess :rotfl:her real name is Tilly-Mae, but she is my little princess.

    I know what you mean about the worry- yummymummy... its never ending!

    Re cashback sites I even check between topcashback and quidco to see which has best offers/cashback before I buy as find it varies...

    really need to get on board with the quidco buy certain products with your online grocery shop for extra cashback (only if buying anyway)... havent really looked at it properly yet...

    After doing my online shop at asda this week (5.50 cashback delivery 4.50 so still pound up plus fuel) did the price guarantee and got a voucher for 67p must remember to keep doing these whereever i do the shop all adds up

    had a lovely facial today, with vouchers from christmas took advantage of buy one get one free offer so this was the freebie...
    Make £10 a day challenge November £125.60/310
    December 417.35/310 January 512.33/310

    £1000 emergency fund challenge 0/1000

    Rule of 3 challenge 13/365
  • Aww, gentle hugs for both the Furball & the Princess :A

    Well done on tackling the DD's, and see you're doing really well on the Feb Challenge too ... that's great !

    Glad you enjoyed the pamper session, think we could all do with a few of those now and then :rotfl:

    Angel xx
    ~ On the Road to Making Dreams Happen ~
    January £10 a Day Challenge £ 0.00 / £750 - (Running Total £1,512.11)
    52 Week Challenge £ 0.00 / £1,378

    Debt Owed £23,200 / £19,251 - Mtge Owed Bal £140,000 / £130,940 - Total Debt Balance Owed : £163,200 / £150,191
  • haybel19
    haybel19 Posts: 1,332 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Cashback Cashier
    Thanks greyhoundangel not as impressive as your earnings tho... how did you/do you do it?

    Princess teething and cries if mummy stops cuddling so we are having snuggly cuddles in my bed (in the dark to encourage sleep) and i have laptop on so i don't drop off... We have larry the lamb and freddie the fire fly with us :rotfl::rotfl::rotfl:its a good job daddy works nights there really is no more room at the inn... :rotfl:

    thankfully max in his bed in the kitchen snuggled with at least 6 blankets... likes his comforts... he has us tuck him in :rotfl::rotfl::rotfl:and won't let us forget :rotfl::rotfl::rotfl:
    Make £10 a day challenge November £125.60/310
    December 417.35/310 January 512.33/310

    £1000 emergency fund challenge 0/1000

    Rule of 3 challenge 13/365
  • Haybel ... it could be worse .... the Furball could be in there as well :rotfl:

    One of mine is a real madam for that ... sneaks on the bed once she knows everyone else is asleep ... I wake up with dead legs, cos she's got half her body strewn across them :eek: Mind you, she does make a fab hot water bottle when I'm feeling a bit yak :o

    As for the earnings ... not quite sure how I've even managed that much to be honest ... it's made up of lots of little things, which when all added up ... becomes a useful amount :cool:

    It's been a combination of the odd scratchcard win (£10 here & there), Mobile App payments, survey payments, little cashback payments, mys/shops, oh and i counted my Clubcard vouchers - lots of little bits really.

    Angel xx
    ~ On the Road to Making Dreams Happen ~
    January £10 a Day Challenge £ 0.00 / £750 - (Running Total £1,512.11)
    52 Week Challenge £ 0.00 / £1,378

    Debt Owed £23,200 / £19,251 - Mtge Owed Bal £140,000 / £130,940 - Total Debt Balance Owed : £163,200 / £150,191
  • haybel19
    haybel19 Posts: 1,332 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Cashback Cashier
    edited 26 February 2013 at 11:49PM
    how did you get into the audit work?
    Make £10 a day challenge November £125.60/310
    December 417.35/310 January 512.33/310

    £1000 emergency fund challenge 0/1000

    Rule of 3 challenge 13/365
  • haybel19
    haybel19 Posts: 1,332 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Cashback Cashier
    Had a medical today due to my rheumatoid arthritis and anxiety/OCD... bit fed up hate being reminded that i have limitations...

    Just fed princess-she is finding it hard to settle...sore gums... so we are laying in my bed in the dark having a cuddle. She is all cosy in her sleepsack and we have her star light projector and music on. Very relaxing.

    Max is snuggled in his bed with even more blankets tonight as its cold including his favourite big brown fleece-(it used to be mine and is huge but when he was poorly once i let him 'borrow' it to comfort him and i never got it back :rotfl:). He gave Tilly-Mae and I our goodnight kisses first then snuggled down even though he didnt seem convinced it was bedtime.

    Once princess settled I will sneak down and give him a big cuddle. He is such a good boy.
    Make £10 a day challenge November £125.60/310
    December 417.35/310 January 512.33/310

    £1000 emergency fund challenge 0/1000

    Rule of 3 challenge 13/365
  • Aww, bless.... why is it they're always at their sweetest when they sleep ? :rotfl:

    Yes, low lights & music work well - in my case it's usually firelight ..... relaxing music ...... and wine .... :o works for me :p

    Arthritis is a pain - in more ways than one! - I have it in both knees ... cold & wet wreck havoc with them, wind up walking around (just about) looking like one of those zombies from a really bad movie ... all stiff legged :rotfl:

    An old friend of mine used to suffer from OCD/Anxiety, it such a difficult illness to judge. She used to go days, weeks even sometimes with it "under control" then next moment she was a wreck - no seeming reason and no warning. It must be difficult for you.

    Good to see you've signed up for March's £10 a Day Challenge - especially as we're adopting your little game !

    Hang on in there hun :A

    Angel xx
    ~ On the Road to Making Dreams Happen ~
    January £10 a Day Challenge £ 0.00 / £750 - (Running Total £1,512.11)
    52 Week Challenge £ 0.00 / £1,378

    Debt Owed £23,200 / £19,251 - Mtge Owed Bal £140,000 / £130,940 - Total Debt Balance Owed : £163,200 / £150,191
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