Horses, debts and general mutterings

DebtFree2012

A right pain in the rear! Did they leave a note or anything? I'm guessing not.

You're doing well tho - onwards!

Baldybear

Good morning

So a successful non spendy weekend Saturday had hossie trainer, money saved from before, she was very good. Came home cut grass, line dried washing. Ex came round to pick up a few bits, he was being a bit cocky with the neighbours and being a bit stupid about if he takes tools I am stuffed, really peed me off :mad: but more of an incentive to raise this money. Went to BBQ with sister in the evening but she paid, so free food

Sunday cleaned my car, did some boring surveys, bro in law came round and finished my fence, just need to finish painting it now :cool: Was great as ex can take his tools as dont need them and bro in law always has some if I need anything! Havent told ex finished fence waiting on surprise when he next comes round :rotfl: Listed some ebay items.

Still free listing today so going to see if I can put some more on tonight, yawn, hate doing it but bringing in pennies.

Going to enquire about 25% discount for council tax shortly. Called yesterday about getting my tv package etc down and can save £16 a month, just need to organise. My electricity consumption has gone right down, was paying about £55 average a month :mad:, got last bill and ex wasnt there for week and a half and used £29 so next month with be even less. Worked out with all the reduction in bills above can save around £100 a month

Baldybear

Good morning

Small spends yesterday, £10 on the lotto, you never know, hardly ever do it and can scrape that money this month. Dinner from freezer. Was good and listed some more ebay items last night, took advantage of the free listing. Included some riding boots that are hardly used but dont fit well, up for £125, few watchers already so fingers crossed they sell as this will really help

Half day at work today, of to see Monty Python later, cant wait Will prob pay for train and OH will pay for dinner.

Baldybear

Good morning

Fab night, OH paid for train and dinner I spent £4 on parking and £4 on drink/snacks, so that was great. really tired this morning, not used to these late nights on a school night :cool:

Finally picked up my mirror for my car, had to go back 3 times to the garage which was a bit annoying but thought would be cheeky, my bill was £103.12, asked for discount and got it for £100 Small money off but it really helps me.

1 sale on ebay last night, must post tomorrow, another few ending tonight so hope for some more sales. My boots have 4 watchers so fingers crossed they sell

Small spends today need to get fruit, bread and some juice so under £10 I hope.

Baldybear

A friend called this morning, its her sons birthday in few weeks, going to party anyway, could I make a super hero cake :eek: Have made a few cakes in past but believe me I am no expert:cool:

Done some googling and have drafted a plan, 4 tier cake. Bottom is spiderman so red icing, black spider web, 2nd tier is superman so blue icing, red/yellow superman logo, 3rd tier is ironman so red icing with red/gold ironman face and final tier is hulk so green icing so looks like scales. Should be ok. Have ordered some cake topper figures (£3) so can put on each layer saves having to do to much work. Also ordered cake board (£3.64). I had money in amazon from survey so no actual pennies spent Now just have to make the darn thing.:rotfl:Its for a week on Saturday. If it isnt a complete disaster will post a picture.

Baldybear

Good morning

£11.30 spent on fresh food shop but should be plenty for few weeks. Being good at using up bits in the house and not wasting anything

£3.78 withdrawn from paypal for few ebay sales so that has been sent to my Bcard.

Sains CC gggrr didnt refund my money but instead charged me £8 interest, so glad now at 0%. Have used this card for car yesterday, going to use to take advantage of nectar points. Have £32.10 in credit due to payment after transfer, car bit not gone through yet so outstanding balance is £71.90. Will give it a few days, wait for money to hit account and then pay this off, can come out of current a/c so wont be adding to the debt.

LAM2011

Just catching up BB. It must be nice having place to yourself. I hope you can make a plan to hang on to it.

Baldybear

Good morning

Been ill for a few days, another chest infection and now lost my voice, back at work but been off for 3 days, so will mean lose 3 days pay at the end of the month Just when I really need it, nevermind, will get there somehow.

I have paid the Sains CC today so that is back to 0. Will use tonight as shopping in there to get the nectar points but will pay of straightaway.

Ex came round at weekend to get more stuff, he has agreed to give me £200 this month. Will clear the debit on the electricity bill and will have about £50 left over for bills. Going to get the electricity DD reduced right down, new bill due beginning of Aug so should have good case to reduce. Havent heard from council tax so will chase that up next week. Also need to sort virgin but will have to wait till I can speak :cool:

Few ebay bits sold over the weekend, including my boots so very pleased with that, some have paid so have withdrawn £127 from paypal and £3 from survey site so that has been sent to my Bcard. I have had refund of transfer fee to advertised rate so that now stands at £6028 so thats great nearly £200 paid off

Lam thanks for the comment, the plan is definitely to hang onto it, am so determined

Baldybear

Good morning

Notification that 2 days sick pay coming off this month and a further one next month so thats not too bad, helps the budget a bit better.

£91.30 spent shopping last night, but all stuff ready for cakes and store cupboard topped right up. Put on Sains CC to take advantage of nectar points, will pay of after payday so will be in next months budget.

Pay day tomorrow, will see what I can send to joint a/c to cover bills and poss any left over for cc overpayments. I dont think so as will need a lot to go to the bills a/c. Think I will have to carry on as I have been and any extra money made to go to overpayments, working well so far just need to carry on.

Another small ebay sale last night so another £2.95 sent to my Bcard

Baldybear

Good morning

Cake made and successful, will have to post a picture soon Weekend was ok, few NSD, lots of boring surveys done and house bits done. Painted more of back fence, run out of paint, need another 2 tins, going to see if I can get on Amazon as have vouchers so no hard cash needed.

Moneywise....I have sorted my budget for this month, will be very tight, but have transferred enough to bills a/c, small contribution from parents and ex has paid £200. This should give me enough to pay of all debit from electricity bill, reduce this DD down, pay all the bills and have a little bit left over. Not heard from council tax re reduction so will chase that today as that would be another bit of money spare in the a/c, all ready to roll over to next month.

I have sorted my Virgin package, was paying £78.99 a month :eek: (tv, phone, broadband) but now ex has gone have reduced it down, getting a better box as well, got it to £52.99 a month so a good saving. Also managed to get the £20 delivery charge for the new box waived

I had a statement from my old NWCC, they had charged me £3.30 interest after I had closed a/c down, due to interest being in arrears, they didnt tell me when I closed the a/c. I have called them and they admitted it was their fault so will refund and send me a final statement showing 0, small things but pleased :T

Small money of £2.50 from quidco, £3 from a survey site and £2.88 from ebay received over the weekend so this has been sent to Bcard. Balance now stands at £6016 so thats doing well

Have had house valued, also received mortgage figure, so now any more equity in the house is mine, the figures received will be the ones if I sell, need to buy ex out, now know what I need to aim for. Far too much but its a challenge :rotfl: