SarahNeedle1872 - DFW Diary

postingalwaysposting

sarah glad things are looking up with your oh. Lets hope it carrys on. As for the budgeting you are doing really well considering you have nearly an whole months pay missing. Well done with the heating thats so good. Hope your baying goes well... have a good shift and i shall see you tomorrow ~ take care x

skint_spice

Things are sounding a bit more positive today, hope the wee one feels better soon. x

SarahNeedle1872

Stuffed a couple more things in my eBay box today..... plus eyeing up some of OH's stuff too.... will keep that money seperate so it can go off his CC...
Went to the dentist today for a check-up-from-the-neck-up..... All my teeth are still my own (would hope so at 27!) and no holes........ except for the hole the £46 they charged me burned its way thru my pocket:eek: Thankfully I have some money saved, so its not an issue, but still..... £46! I'm in the wrong job!!! She did say that I could leave it a year before my next appt, so at least by then I'll have another £120 saved up (taking account for inflation me!)...... but now I'm wondering, should I reduce the amount of money I save for the dentist? Or keep it there for 'just in case'?.... I'll have a think about that one.....
Went to work again today and spent another £3 on food there, despite having plenty to take of my own :mad: so with the change into the pots, I only have £3.50 spends for the rest of the week..... :rolleyes:
But one of the girls at work came in with some homemade sushi (apparently she bought the kit from Tesco) so I'm gonna have a search for that soon, cuz I love sushi but its so expensive ( and we sell it at work so the temptation is always there!)
Day off tomorrow, so hopefully a NSD...... except for as I type, I remember that I have two or three Amazon packets to post, so there goes that money! At least the cash won't hit my bank acc until after the 8th, so I'm started on my way to a SILVER medal
Have got some cheques to cash, but can't find DS's little book for his account, which is great, so I'll be turning my paperwork files inside out tomorrow looking for that! Also OH and I have £25 each from my Mum, so mine will go towards my CC, and OH's will go off his.... esp if I forget to tell him I cashed it .... ooooh plus I have £50 worth of £2s from the end of last year to pay in, so should nearly be clear of my CC :T Only a month later than I'd hoped, but as its at 0%, I'm not too fussed.

skint_spice

Sarah, is dental treatment not still free for the year after you give birth? or are there no NHS dentists down your way?

SarahNeedle1872

skint_spice wrote: »

Sarah, is dental treatment not still free for the year after you give birth? or are there no NHS dentists down your way?

NHS dentist? What's that!?!
No there aren't unfortunately..... I was registered to one nearly 75 miles away, but even once per year, that too far to go just for a quick check up.

skint_spice

That's a shame, check ups are even free up here now. I'm sure they just claw it back from elsewhere though.

SarahNeedle1872

By 'up here' I take it u mean Scotland?..... Its amazing how different it is the other side if the border..... I'm not really sure how it all works, but u seem to get some good deals on things like prescription/dental etc..... do u pay higher taxes than we do or something?

So mini update...... right on cue this morning, my Quidco money dropped into my bank acc (£60.93) so thats gone into my Olympic Challenge account.... plus I have £4.72 in Amazon, with one payment still pending. I don't intend to touch the OC money, so hopefully I'll have a nice chunk to do something with at the end of the challenge..... gotta post the items today, so that'll blow my weekly spends budget, but its only week 1 of the pay month, so its ok for now.

Worked out that with all the money I've got saved, I will only have £89.98 left on my CC to pay :T..... I'm now torn whether to pay it all off now to get rid of the balance, or wait until the end of the 0% period, which is the first of March....... I might just play it safe, I don't wanna get caught with 17.9% interest on a £1500 balance, just because I didn't get the payment thru quick enough! I do have a cheque for £25 from my Mum, plus £50 in £2's, thats not included, so once that has cleared, I could pay that off there too... decisions decisions! The cheque probs won't clear in time for my to use the money, but I could always 'borrow' it from the 'living acc' until it has cleared..... In fact, I think that's what I'll do..... I'm gonna clear the whole lot, and leave the £15ish thats left....... Better get transferring my money out of Icesave!

SarahNeedle1872

Right, thats done.... by my cacls, I will have £14.98 left to pay off - I'm sure I can save that from the food budget or divert a few £2s.......
I'm so chuffed that I've nearly paid it off..... now just gotta wait to see what financial problems OH will throw at us!

skint_spice

SarahNeedle1872 wrote: »

By 'up here' I take it u mean Scotland?..... Its amazing how different it is the other side if the border..... I'm not really sure how it all works, but u seem to get some good deals on things like prescription/dental etc..... do u pay higher taxes than we do or something?

Yes, I'm in Scotland. I think I'm lucky where I am as lots of people at work can't get a NHS dentist either - but knowing them they probably aren't looking too hard! My council tax seems really high compared to what I've seen in SOAs but then again they lump the water rates in with that and don't give you a choice about using less water. Income tax is still the same but like I said they'll be clawing any benefits back elsewhere, currently closing down A&E wards everywhere, I'd rather just pay the checkups and prescriptions if I had the choice.

Well done on the credit card, I'd pay it off just to get rid of it. Hope OH is behaving himself!

SarahNeedle1872

Bummer about the water rates... thats' an odd way of doing it tho!

OH is being pretty good, my non-nagging seems to be helping his mood, which is good...... his financial standing, however, is a different matter. He is happy that I'm not looking in his acc/wallet all the time (well, he *thinks* I'm not, but I am, just not telling him :rolleyes: altho he knows I still go scouting for £2s ) but whether it means he deals with his money in a more adult and responsible way, only time will tell! I will still be taking the money for the CCs each month, but looking at his last statement, he has a £16 overlimit charge, two cash advance charges of £3 each, plus cash interest of £6.07.... so the £50 he paid this month has only decreased the capital by £21.93 :mad: Still, he's paying it, not me! And I have his card, so he can't spend any more on it. The balance he has on my CC at 0% is now £229, so at least thats going down. I applied for a Goldfish card for each of us for the Quidco money, so something may come of that, but we'll see. With th e credit crunch, I expect we'll have trouble getting credit now...

Got another £16.90 for OC2008 today, mis-calculated the money I had to pay off my CC, and came out with £16.90 extra Should be able to pay it off on Friday, just waiting for a cheque to clear and the transfer to come thru....
Also found 105 euros in the lining of an old coat, so will get that changed at the PO and that can go in my fund too (about £75ish I think).... I've decided I'm saving towards paying off the loan, and that I will leave OH to sort his card out himself - that may be selfish, but it was selfish of him to max out his card in the way he did!! Especially as he knows how much I want to be DF.
BUT what I will do is stop taking OH's money (except maybe those lovely £2s, as I'm addicted to collecting them!) for my change jar, and start up one for him instead. That cash can then be used to pay off his CC along with the profits from anything of his I sell on eBay/Amazon... I think that's fair enough. Until he has his LBM, all I can do is squirrel the cash away and help him without him knowing! Men! Can't live with 'em, can't live without 'em!

Sarah x
OH CC1 ~ £229.00
OH CC2 ~ £1226.62