Horses, debts and general mutterings

Baldybear

Sneaks in...very shamed! Big spendy weekend meaning I will be £200 in my overdraft at least This includes a new bag, some spending cash, need to get fuel in next few days, a new book.

Went and bought some new clothes at the weekend, £90 on my CC :cool:

So the good things....2 ebay items sold, should make around £10 in profit, both ready to post today. £1.94 received from quidco so that has been sent to my CC.

Need to get some wood and paint ready to complete my fencing over the easter weekend but all budgeted for.

Baldybear

Good morning

Just a small signature update am back on track and where I was at the beginning of this year, even with all the major expenses I have had, I have managed to knock my debt down by £963 This includes overdraft of £850 and £113 between sofa and cards. Still a looong way to go but this is a small positive step.

Have checked my current a/c today and am £80 in credit. I need to spend £70 on fuel, £110 on minimum payment. I also need £140 for vet bill, was going to use the CPP money but the above credit amount includes this so will need to use my OD by £200 as predicted, could be a lot worse. Ebay money will be transferred soon and some more bids on live stuff so that will minimise damage. Plan for next month is to come in way under budget as to get back in credit again

Baldybear

Good morning £67 spent on fuel today and currently am sitting £29 in my overdraft which is great so only £90 OD so far. Still vet bill to pay but not as bad as I thought.

Minimum payment of £110 has been sent to NWG and £14 from weekend ebay sales

Fun weekend planned, NOT, of building new fencing in back garden, have got all the materials now, skip coming tomorrow, so hopefully the weather will be ok and can manage to get most done before the rain. Would ideally like to get it painted before the rain too but maybe asking too much. Also got hossie trainer on friday but that is already paid for. Nothing else planned so should be minimal spending, just need to get a few foodie bits, got loads in freezer just need some fresh stuff.

Baldybear

Good morning Back at work today, but only half day, got the vet out for annual injections and teeth for the hossie, so not a NSD!

Weekend was good, managed to complete half of the fencing, looks really good Went to nephews birthday party and a family meal so nice and busy. Had to cancel hossie trainer as busy with fence but will rearrange another day.

Managed to sell a couple of items on ebay, one buyer collected yesterday but then the money was spent on a takeaway as knackered from all the fencing work, but at least not out of budget. :cool: Mum kindly gave me some money for the fence, have left some in my account so am no longer in my overdraft so good for next month :j I still have to work out how to pay the vet bill but it may be ok to do next month and then can take out of budget, dont need hoss food so can use £100 from that, wont need hairdresser so thats another £30 so only £20 ish to find so going to do that way.

Going to try and list some more ebay items this week.

Have just done a quick add up of all the debt again since January, last time I had a £288 increase on the figure. This time I have a £106 decrease so have paid of the increase and extra on top, still a long way to go as with excluding parents still owe £6,622 but slowly chipping away and making progress

Baldybear

Good morning

NSD achieved yesterday, paying the vet today, she didnt need her teeth done so only £98 spent which will be covered by the hoss food budget, so the other extras can be sent to my credit card so pleased with that

Dinner out the freezer and lunch bought in, still plenty of food at home, lots of odds and ends in the cupboards so going to see if I can make a few meals out of those.

Baldybear

Good morning

Payday Spent £98 on the vet bill and £10 on lotto for few weeks, fingers crossed, dont do it regularly once every few months so not a big spend.

Doing some washing last night and realised my machine is naff. Its over 9 years old and was in ex OH's flat when I first met him and was there when he moved in so stupidly old. Also where it is in our house (an outhouse) has been flooded so has been damaged by that too. Looked at a few and looking at £450 for a decent one :eek:

My house/contents insurance is also due in June, prob around £250 and then life insurance August, £305.

So going to set up two small savings pots to pay for the machine and the two insurances, any odds, ebay etc will go into these. Will keep minimum payments for the debts, would love to pay extra but need to save for the above first otherwise will just be adding to the debt.

So mini target is £550 for insurance and £450 for machine. Watch this space

Baldybear

Good morning

Paypal money withdrawn from rest of ebay sales, only £1.40 but has gone to my savings account to first wee pennies of target on the way. Have updated signature as keeps me motivated. Debt is far too depressing, have hardly made any progress , but have paid out a lot for other things this year without adding to it so not as bad as could be but need to work harder.

£15 Love2Shop voucher received from one survey site, OH is giving me £7.50 and we will use for friends wedding present next week. Also received £20 of sainsburys vouchers so that will go towards groceries bill

Baldybear

Good afternoon

Spendy day but ok yesterday. Mum kindly offered to pay for my washing machine so was ordered yesterday. Should get £50 cashback from currys, just need to fill out form when delivered, and also £15 odd tracked from quidco

Spent £66 on various plumbing bits to re-organise the house and then £38 on new bedding set and few new caddies for the bathroom, totally blown the budget on misc spending but should result in a much tidier house. Just need to find a way to cut the budget elsewhere now.

Have amended signature so only 1 target now which is the insurance, still on track for this. NSD today, lamb in the slow cooker and about to do some ebaying

Baldybear

Good morning world

NSD yesterday, machine nearly fitted, got plumber coming round tomorrow to fit final bits as slightly out of our skill set but shouldnt be too much to pay (family friend )

Of food shopping tonight, yawn, have good budget and also £20 worth of vouchers so will help bring it down

Eye drops received in the post for testing which is very useful as hayfever season is upon me

Baldybear

Good morning, long time no post

Few spendy days. bought some new make up, jewellery and few groceries means way over budget, will probably be in overdraft but wait and see, hope to minimise damage, managed to last month so fingers crossed can do it again.

Went to a friends wedding on saturday, such good fun great to catch up with so many people, used vouchers from survey site for their present and OH bought drinks so a NSD.

Yesterday did some more of my fencing, getting there and wont take long to finish, went to paint some of the new bits but wrong colour, not what it said on the tin so took back and replaced, the new stuff was cheaper so am £30 better of on my CC

One ebay item sold, rest re-listed, unfortunately didnt get time to do anymore so must crack on soon. Some survey money landed so have sent £4.71 to my insurance goal, just over £6 now, not a lot and still a loooong way to go but will get there