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This time is the last time, no more debts!
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Hi. Milan, yes it's been a bit up and down

We're having a lazy morning today. I'm just sitting here catching up with the diaries and watching Dr Who. BF sitting beside me playing his online game.......bliss! We don't need to be at the hospital till 2.45 so we'll leave here about 1.15 so I can post 4 eb*y parcels on the way.
DS2 coming for dinner tonight so I've taken some mince from the freezer with the intention of making meatballs in tomato sauce for tonight.
No more eb*y sales yet and I'm waiting for a free listing weekend before I relist.
Back later, hopefully with good news xNationwide cc - Balance 7/1/14 £2720.17 - Current balance £2714.10Halifax cc - Balance 7/1/14 £2779.86 - Current balance - £2751.43Savings - Balance 7/1/14 £750.00 - Current balance - £4000 -
Back again!
We've had some very good news - BF was told this afternoon that his biopsy showed no signs of pre-cancerous cells :j:j
If there is a higher power up there somewhere, I am so grateful my prayers have been answered. He'll be under observation, but there won't be any more "explorations" for two years :T
DS2 and I just had some lovely meatballs in carbonara sauce. I was so hungry because I couldn't eat before the hospital, I think I may have eaten too much!
Just checked my online banking and am down to £212 to take me to next payday. Barring any disasters I should be ok. I'll have to put more diesel in the car but hopefully about £40 should carry me to the 24th.
We have about £100 left in the joint Acc to take us to the 24th, but I've paid for the coal and out phone bill was about £20 less than usuall (no idea why!).
No bids on my business Acc yet, so I think I'll reduce the prices. I have plenty of non- business stuff to relist but will leave it till the next free listing weekend.
I'm off to lurk on other people's diaries now. I don't comment very often but I'm always reading
Nationwide cc - Balance 7/1/14 £2720.17 - Current balance £2714.10Halifax cc - Balance 7/1/14 £2779.86 - Current balance - £2751.43Savings - Balance 7/1/14 £750.00 - Current balance - £4000 -
Brilliant news about BF. It's things like that the put the MSE stuff back into context. Enjoy that post Xmas dinner feeling. You probably just needed a splurge.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.0
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Morning! MSE back with a vengeance this morning!
I checked my Eb*y account and someone's left me a message asking about an item of mine that didn't sell. The offer is £20 less than I was asking for it, but I've messaged them back to say I'll accept their offer, but they have to pay the postage. I think that's very fair, don't you?
I was a little bit naughty this morning and bought myself a hot chocolate on the way to work. It was so cold, I couldn't resist it
AND it was lovely!!
I keep checking Topcashb*ck because I have £120 still waiting to be paid out. So far its showing as confirmed, but not payable yet.
I counted out the change in my old pickle jar last night, and I have the grand total of £30 in there. That's just from emptying the change out of my purse every couple of days. If feels like small fry, but every little helps :T
Not much going on at work this morning. Plenty of people about, just not a lot of spending.
I'll be back later with another update.
Have a good day xNationwide cc - Balance 7/1/14 £2720.17 - Current balance £2714.10Halifax cc - Balance 7/1/14 £2779.86 - Current balance - £2751.43Savings - Balance 7/1/14 £750.00 - Current balance - £4000 -
Good afternoon! I thought I'd better update again, although there's not a lot to report really.
I sold another eb*y item for £65 which was a nice boost to my savings pot although I'm starting to think my idea for an Eb*y shop was poorly thought out. I'm off tomorrow so I'll spend a couple of hours re-jigging things and putting the prices down a bit. Maybe I was bit too greedy with my pricing
I'm on a real downer at the moment. I don't like saying I'm down, because I feel like a whinger and I spend most of my time trying to keep other people upbeat. However, nobody here knows me, so I can get it out....lol.
I'm fed up of having no money, I'm tired of the rotten atmosphere at work, everyone's miserable and everyone has their knives in each other's backs trying to justify their different roles. I'm fed up having no energy, my clothes are too tight and I'm tired of having no get up and go whatsoever
PHEW! that was a whinge and half, I'm sorry but that's been building up for days
AND it doesn't help when you know that most of the "fed-up-ness" is of your own making!
I've taken the first step towards pulling myself out of the doldrums - I've applied for a new job :T. The closing date's not till Friday so I haven't heard anything yet.
I've also had a heart to heart with BF and decided, after a lot of soul searching, to downgrade my car. I'm going to see an ECO car on Tuesday/Weds which means, if it all works out as I think it will, I'll have a small lump sum and I'll be saving £268 per month that can go towards my ccs.
This sounds really superficial, but I love my car, there aren't many of them about and its a pleasure to drive.
My sensible head tells me that downgrading is the sensible (only) thing to do, but my other head, the one that cares too much about what other people think, feels like its admiting to failure. Keeping up appearances is what got me into this mess and I'm determined to stop. I don't want to waste a second more worrying about what my "ex" friends think. They disappeared after the divorce anyway, so they weren't real friends in the first place :mad:
The other big thing I need to do is stop stuffing my face with chocolate and get back to the gym/walking. BF wants me to go with him tomorrow as we're both off, but the thought of being seen in my gym clothes isn't appealing
This coming Wednesday would have been my dad's 79th birthday and I miss him like mad. My eyes are welling up now, just thinking about him. Good job its just me here at the moment
I'm ok most of the time, but sometimes it catches up with me!
Don't know what we're having for dinner tonight, but I've taken some turkey out of the freezer. Its the last but one serving of our Christmas turkey. I froze it in batches, that way we don't get fed up eating turkey all the time.
I also made enquiries about an allotment today (If my dad could read this he'd be falling about laughing now!). I phoned the lady in charge and she asked me to go and see her this week. You have to pay £2 to go on the waiting list and I'm not sure how long the list is, but I was thinking this might be something to keep my mind occupied and get me fit at the same time. No gym fees, and lovely fresh veg! The only "slight" drawback to this cunning plan is that I'm the world's worst gardener but what I lack in knowlege I make up for in enthusiasm. Plus I have a friend with 4 horses, so I'll have plenty of manure
DS2 once told me that I'm the only person he can think of that can kill a cactus. I'd just like to point out that the cactus in question is still alive and well and has just brought out some beautiful red flowers. All he or she needed was a larger pot and more compost :T
I'd better go and do some work, I'm starting to ramble now. This is because its so quiet here, I've hardly spoken to anyone all day.
Hope everyone else has a good day xNationwide cc - Balance 7/1/14 £2720.17 - Current balance £2714.10Halifax cc - Balance 7/1/14 £2779.86 - Current balance - £2751.43Savings - Balance 7/1/14 £750.00 - Current balance - £4000 -
if you don't admit to the bad times on here, you won't see the improvements that you make. on the plus side, at least you know what compost is for. For years i didn't know that it needed to be mixed with topsoil when potting plants. as for the revelation that is plant food, well!!!!
seriously though, for me, the big thing about this site is that I can confess to things here that some of my closest friends don't even know about. don't limit its effectiveness by feeling the need to always be upbeat. You are doing well. it's tough when you hit a significant date relating to someone who's no longer with us. i still have days when i struggle thinking about my dad. deep down though i know that if i'd ever confessed to my screw ups, after the look of disbelief, the exasperation, all he would have wanted would have been to help me make things better. sometimes the way i get thru is by thinking that i can't let him down. anyhow, hope this helpsMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.0 -
Here I am again!
Well, I must be a worse gardener than I though because each person I've told about my plans for an allotment has fallen about laughing! If it was one person, I'd probably ignore them, but four? Perhaps they have a point and an allotment is a bit too ambitious....lol, so I think I'll modify my plans a little bit and start off by trying to grow things in pots and one raised bed in the back garden. I still have two of those plastic greenhouses in the garage from the last time I had a whim to try growing things, so I'll start small and prove them all wrong!!
I found some oomph from somewhere this morning. Bedrooms are spotless and two bathrooms gleaming. My house smells of bleach, which is one of my favourite smells, its such a lovely clean smell:o
Just having a coffee break now before I tackle the hoovering and dusting. Two loads of washing done and on the horse (need to buy a new rotary washing line).
There's a lovely hint of spring in the air this morning. Its nice and sunny and I have windows open for the first time in who knows when
I love days like today when it feels like things are waking up. I know its a bit early yet, but a little sunshine makes everything look better.
BF's gone to the gym, but I didn't feel like it. Cleaning is exercise too
:D
Need to check my bank balance later. We have a few things we need to buy.
1. Two bathroom taps.
2. Tin of anti mould paint
3. Tin of white emulsion
4. New washing line
I've texted the building to come and get his stuff from my garage. His cement mixer's been there since October and I'm getting sick of tripping over it. BF's threatening to leave it out for the scrap man, but I think that's a bit drastic. He can't have any jobs if he can leave it in my garage, but I've had enough of providing free storage for his tools!
I have a load of old fence posts that need chopping up for firewood and can't get at them while his stuff is in the way.
Right, coffee break over, back to work. Hope everyone else has a good day xNationwide cc - Balance 7/1/14 £2720.17 - Current balance £2714.10Halifax cc - Balance 7/1/14 £2779.86 - Current balance - £2751.43Savings - Balance 7/1/14 £750.00 - Current balance - £4000 -
Hello! I don't know where the days keep going, but its already the 17th of Feb!
Not a lot has happened since my last post, still plodding along really
My main bit of news is that I have an interview for a new job tomorrow :eek::eek::eek::eek:
If you haven't already guessed.......................I'm [STRIKE]slightly[/STRIKE] very nervous. My last job interview was about 8 years ago when I started here. Its a complete change of direction, but not completely new to me, because it takes me back to something I did before. If I get it, its a much more corporate environment. I wear a uniform now, so I will need to buy some "office suitable" clothes to wear to work.
I still don't really know if my present position will still be here after next year, but what I do know is that if the job IS still here, my salary would drop by about 300 - 400 per month.
I've been using this site's salary calculator and have worked out what salary I need to be able to pay everything and have a little left over. I don't know what salary the new job is yet, so even if I'm offered the position, if the money isn't enough, I'll just have to stay where I am for now and keep looking.
Sometimes, I wish they'd put the salary details on a job advertisement, then you'd know where you are before you apply, but I suppose this way, they can adjust the salary to match the applicant's experience.
I'm really stressed out where I am now and keep getting migraines. I think my body's trying to tell me that its time for a change
Haven't sold many items from my Eb*y shop (3!) and have been having trouble with a particularly nasty buyer who left me some negative feedback. I made a mistake and immediately refunded the "lady" the full price plus postage. She then left follow up feedback which is completely untrue and in my opinion bordering on libel/defamation of character. Two calls to Eb*y customer services later and I'm no wiser than I was to start! Apparently buyers can say whatever they like and Eb*y will not remove the comment. I've read the feedback she's left other people and to me it seems like she does this on a regular basis.
I'd better change the subject now.......I can feel my bloodpressure rising :mad:
I'd better go back to work, coffebreak's over now. I'll probably be back later with another update......then again, it might be another 2 weeks......lol.Nationwide cc - Balance 7/1/14 £2720.17 - Current balance £2714.10Halifax cc - Balance 7/1/14 £2779.86 - Current balance - £2751.43Savings - Balance 7/1/14 £750.00 - Current balance - £4000 -
Best of luck for tomorrow. If there is a glass of water provided, take a drink towards the end of the question to give yourself thinking time to formulate an answer.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.0
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Good morning!
I can't believe its been so long since my last post, but in my defence, there's been a lot going on
The interview went well and I was offered the job. Unfortunately, the wages were a bit low so I had to turn it down. A few days later, they rang me up and offered me more money, so I quickly said yes please before they changed their minds :j:j
Its slightly less than I'm on now, but when the pay cuts here take effect, I'll be on much better money in the new job, so I'm very aware that I've been very lucky! I'm currently one week into my 4 weeks notice and feel like a huge weight has been lifted off my shoulders. I haven't had a migraine for a week (touch wood!), so I'm betting they were all stress induced.
I have moments of "what have I done??" panic, but its returning to something I've done before so I know I can do it, but I'll need to be brought back up to speed on a few things.
My Eb*y sales are quite steady at the moment. That nasty piece of work hasn't done any permanent damage, even though Eb*y refused to remove the feedback. Most buyers obviously have the sense to spot malicious feedback when they see it, when the person affected has 900+ positives since 2005! She's been duly blocked, but I've a horrible feeling she may have bought something from me under a different account. I have a buyer returning an item of clothing that doesn't fit and the messages I've been receiving from this one have a remarkably similar writing style (ie. downright rude!).
I don't know what's the matter with some people. They must lead very sad lives.
Anyway, enough of that, I could rant all day about Eb*y and their stupid policy of neglecting their Sellers.
My moneysaving hasn't been brilliant, but it hasn't been too bad either. I will have to spend on some office type clothes before I start my new job as I'll finally be rid of this awful uniform.
Not much else to report really. Once I get up to speed in my new job, I'll be able to concentrate all my efforts on getting rid of these bills.
Hope everyone else has a good day xNationwide cc - Balance 7/1/14 £2720.17 - Current balance £2714.10Halifax cc - Balance 7/1/14 £2779.86 - Current balance - £2751.43Savings - Balance 7/1/14 £750.00 - Current balance - £4000
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