Horses, debts and general mutterings

Baldybear

Good morning

NSD yesterday and another one today, need to get a few groceries fresh milk etc but can wait till the end of the week. No watchers on ebay but a few views so fingers crossed. Maybe see if I can do some more tonight.

Baldybear

Good morning

Please feel free to ignore but a argh life is rubbish bit coming up

So 2 weeks till payday and have £198 left in my current a/c. Need to spend approx £10 on fresh bits, £100 on one cc min payment and will need tank of fuel £70. Also need to get some hoss food tommorow so looking at around £60 so going to hit my overdraft Unfortunately of sick yesterday as havent really recovered from when I was really poorly last year so going to lose a days pay at payday. My budget is just about there next month but will be overshot already with losing the days pay.

Am stuck in a bit of a rut I suppose work is busy and frustrating, just too much to do and work with 2 men, one just does my head in everyday :mad: but try to keep going. Managers have spoken to him but makes no difference he is a law unto himself and argh hate him. Am really tired when I get home and not very good at doing things that will bring cash in, like ebay. Now the ebay rules are changing soon will be even more hard but will keep persevering.

I still want to buy my ex out, need £50k :eek: so a long way off but my ultimate goal.

Good things so this post isnt all bad, house is slowly getting into order and not spending a fortune to do it. I havent increased my debt for ages and is slowly being chipped away. My hossie is doing great and I am going to start riding her next week My mind set for money saving is there, am great at NSD, batch cooking, eating from home and bringing my lunch in everyday and keeping up to date with small things like surveys which help the everyday spends.

So tomorrow going to try and be pro-active. I have my old saddle which I dont need anymore, too small for new hossie so am going to try and take it to sell, hopefully this will offset all the hoss food money and some to put aside as well, fingers crossed

happihorse

Hi. I am a bit of a lurker but have been following your diary and enjoy reading about your journey and especially hoss. As you will see from the username I am horsey too so I understand the time and money implications!

Just read your last post and wanted to say chin up. You are going in the right direction. The debt, job and house are longer term goals. Try to break them down more and focus on acheiving smaller chunks just like you are with the debt. Living with ex-OH must be hard but it won't be forever. What would you need to do to get a new job? Could this also give you a pay increase?

You have listed lots of positive things so try to focus on these. Hopefully we have a good summer coming and it sounds like you and your hoss will be in a great position to enjoy it to the full.

Take care.

happihorse

grannyx2

Sorry work is pants and affecting your mood

Agree with happihose, chin up, focus on the positives and break those negatives into bite sized chunks so you can sort them out

Lots of love, hugs and happy thoughts

Granny x

Baldybear

Good morning

Thanks for dropping by, butt kicked and on with a new day

Spent £49 on hoss food yesterday, unfortunately couldnt sell my saddle so will try and get it up for sale on local selling page or will try and ebay it. All food from home yesterday, spent most of the day playing with my 4 year old nephew

Today is a NSD, had e-mail from national lottery won £25 last night Spent £10 on payday so £15 profit. Have withdrawn the £25 and will put it towards my insurance fund. Had my renewal thro and is £201 but going to shop around to see if I can get better cover, still got a month so more chance to save some more pennies Got ebay open and taken some photos and ready to list some more now.

Baldybear

Good morning

10 new items listed on ebay over the weekend, 2 have bids already, hoping to put some more on this weekend, aware of the 20 limit now which is carp but will keep persevering.

Updated signature showing a small downard fall in debts and my goal is slowly getting there. Hoping to get some survey money through to help top this up.

May not use my overdraft as much as I thought, I currently have £113, £97 for min payment of CC leaves me £16. May need to get fuel which will be £70 but may be able to stretch it till payday. No other spends needed, lots of food including fresh bits in the house. Payday should be next friday so fingers and hooves crossed

Chrysalis1976

Hope all your items get plenty of bids, do you have a particular focus on one of the debts that you're working on.

C x

LAM2011

HI BB


You are so good plugging away at your debt. Did I see somewhere that you have sat on your little mare now? how exciting .


Good luck with the ebaying - I need to put some more stuff on too.


hope you have a good weekend. x

Baldybear

Good morning

Mortgage out today so another bit hits the dust. £11.38 surplus in joint a/c so have sent that to the insurance savings so new total £42.49 Spendy day tomorrow as its my mums birthday next week, was going to get her some new clothes for her hols, taking her shopping so will extend overdraft a wee bit. Few more bids on ebay so will help offset this expense

Hossie is doing fab, yep did sit on her on tuesday, just 5 mins of walking round school, she is so good, didnt put a hoof wrong. Got ex to come down and take photos so I will see if I can put in a link once he has uploaded them.

Lunged hossie for first time last night, cant do BHS style triangle way so do in a mix of longreining as that what she has learnt, so lung from standing behind her but still at the side and she was really good. Was lovely weather so hope to do some more at the weekend.

Weather looks great so hoping to finish my fence and paint it all then can finish planting my plants , got tomatoes, runner beans, carrots, peas and parsnips, plus already got some strawberries

Baldybear

Good morning

Lovely sunny weekend Shopping with my mum on saturday, spent £62 including small present for dad so thats not too bad. I bought the whole amount £221 but mum transferring back some, as hopefully the transaction will track as in store cashback with quidco, fingers crossed Spent rest of the day building more fencing.

Sunday was a NSD, painted some more fencing and then planted runner beans and peas. Tomatoes and strawberries already planted. Got carrotts and spring onions left to plant, parsnips to late so will do next year. Slowly getting there.

£6 received from survey site and £6 from some of weekends ebay sales so has been transferred to the savings pot. Few more pounds to come across hopefully once the rest of buyers pay up.

Min payment of £97 to my NW card so another small amount of the debt

About to go and claim cashback from currys for my purchase of the washing machine so hopefully that will track ok as will be £50