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Horses, debts and general mutterings

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  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    I would sit tight and keep an eye on things too - it may all change yet ;o) x
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :)

    Good weekend, sold old fencing tool to yard owner, swapped for livery services so £10 saved. Sister bought few bits of amazon, was at mine and I needed a few bits but used my vouchers for all, bar £4, sister gave me her share so £6 made :) Didnt end up getting paint so will have to try and do next weekend.

    OH got loads of bits from parents as they are moving including loads of old toys and books, most of which he wants to sell, I said I would and I take cut of profit :D

    £50 redeemed from yougov and received so sent to CC so now down to £5924, getting there :)

    Need to do my meter readings tonight and then I can decrease my electricity DD.
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :)

    A small bid on ebay that ends at the weekend so another few pennies, one buyer didnt pay but case resolved and listing fee returned. Life insurance out today so my savings are now at 0 but least had the money to pay :) Small signature update, still a looong way to go!

    Meter readings submitted so hopefully by next week can decrease this DD. Sains CC paid of yesterday, all budgeted for, but use to get the nectar points :)
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Getting there BB - sometimes slow and sure wins the race as it changes your mindset rather than quickly and risk going back into debt. Take care and keep going :)
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks debtfree, definitely slow, but sure :) Small survey payment received and tidy up from paypal so another £3.64 to the bcard.
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :)

    Good start to the week with lots of NSD's, will be another one today, have hossie trainer but already have money put aside :)

    Sofa payment out today so another few pennies of the debt.
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Hey BB

    How's hoss coming on? I remember reading through the colder months about your antics with her and poo picking/fixing fences I think it was. All good reading, esp with a bit of MSE in there too. LOL

    DF
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good afternoon :)

    Spendy day - £22 on fly spray and shampoo for the hoss - she is filthy, never had a bath or never seen a hosepipe so if the weather is good this could be an interesting day :rotfl:

    Need to get some fresh bits later, list written, vouchers sourced so hope for minimum spending.

    Hossie is doing good, had training last night, trainer now rides in walk and started trot by herself, very slowly, I stood in middle of school and she was very good. We then took her out round the roads, I just walked next to her and again she was listening to rider and getting very brave going out by herself, she didnt put a hoof wrong :D She is really lazy, not in a wont move way but in a I will only do what I have to to exert minimum effort way, which is great, give me a fizzy horse and I am outta here. Just like a calm hossie that can chill out hacking and take to a few local shows :)

    Poo picking lol is a never ending task, current field sharer (zee german) seems to not do it anymore, after all the arguments in the past I cant be bothered to go there so just do as much as I can (always make sure do it at times when YO is around so can see am not slacking ;)), it keeps me fit so thats got to be a good thing :cool:
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • LAM2011
    LAM2011 Posts: 1,432 Forumite
    PPI Party Pooper Debt-free and Proud!
    The flys seem horrendous at the moment. Nothing is working - a few people on the yard make their own and they are not working. That phaser stuff works a bit but I go through bottles and it gets expensive. I am almost glad today is raining. Your little hossie sounds ace - good to take things slow and steady.


    I see you are still doing well on the surveys. Every little helps and hopefully you will be able to keep your home.
  • Baldybear
    Baldybear Posts: 1,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :) Bah its monday but 4 day week, my parents are on hols with my sis for 1 week, sis staying for extra week so of to pick parents up on friday, simple drive and should have afternoon free.

    Good weekend, finally picked up last of fence paint to finish it off and get my garden in some sort of semblance, still a long way to go, e.g. getting some plants but will get there. Picked up some more of OH's bits from his parents so more to sell on ebay.

    Had lazy day on sunday, did some surveys :) Didnt do ebay :( Too lazy and we both spent day relaxing watching tv and reading. Cooked joint of beef which was expensive and took me £5 over food budget this month but havent had any for ages, had for roast last night, do for leftover roast and then will chop up and stew rest in slow cooker tomorrow for another few meals.

    Picked lots of peas, runner beans, strawberries and tomatoes from garden. Still got more tomatoes, more beans and some carrots left so that is helping :)

    Paid of my debit on my utilities account and have reduced my DD down. gas from £25 to £18 and electricity from £62 to £35 :D Have credit in gas but wont let me get refund yet otherwise DD back up so will leave for few months and monitor.
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
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