Horses, debts and general mutterings

grannyx2

I'm trying to do exactly the same as I think not using my overdraft this month will give me such a boost

Granny x

Baldybear

Good morning Good luck Granny with the overdraft, hope you succeed to.

Eyebright yep hossie expensive but definitely worth every penny. Had trainer last night, she hasnt been worked properly for nearly a month, we tacked her up took her in the school, did some long reining, walk trot on both reins, then went over few poles on the ground, then my trainer got on, walked around the school and did stop and walk on using reins and legs so all with just me walking next to her. She didnt put a hoof wrong

Got 2 sessions next week, tuesday do the same as last night and saturday hope to do some walking over wood and over a seesaw to start getting her box trained.

Baldybear

Good morning

Day of yesterday, very productive. New bed delivered, room cleaned before then including walls and skirtings. Now got bedside table as slightly smaller bed which is a novelty as been using an amazon box as temporary measure for 5 months :rotfl:

Did 2 loads washing, wedged one fence panel back up, pruned back some roses, picked up leaves, hoovered downstairs. Need to replace 4 fence panels in garden as they are rotten and concrete posts have moved, need to get bro in law to help as should be able to do ourselves so will look at that shortly. Possibly adding to debt but desperately needs doing.

£6.57 left in one account after all bills paid so have sent that to my NW CC.

NSD yesterday and today, at OH's this weekend so food provided by him. Need to go shopping to get some jeans as down to last pair and they are pushing it so will scrape some pennies from somewhere.

Eyebright

Wow, sounds like you have had a busy past couple of days! Everyone seems so busy at the moment, good we are all being so productive! Well I'm currently being lazy and surfing the forums whilst I try to motivate myself to crack on with a bit of housework!

Have a lovely weekend at OH's BB, hope you find some nice, cheap jeans! If you know which brands or shops jeans fit you nicely then try ebay. I do this and get jeans often with tags still on for a lot less than if I went to the shop to buy them. But I only do it with brands and styles that I know will fit and be comfy if I buy X size etc..

Baldybear

Good morning

So a spendy weekend. Bought mattress topper, sheet, new kettle and picture frame. Managed to find some jeans only one pair but least know sizing now so will order some online with cashback too Unfortunately added £100 onto CC

£5 from survey site through so that was sent to my cc.

Unfortunately a spendy day today, managed to break a tooth/cap over the weekend so of to the dentist this morning, fingers crossed not too expensive. Just everything happening at the moment, if it wasnt so mad would be going insane now, instead am just sitting in my little corner rocking away :rotfl:

Still got a vet bill to pay for when vet did hossies teeth just before xmas, oh joy :cool:

Baldybear

Well that was £73 spent but tooth fixed Credit card now stands at £1670 so have added loads, darn it.

Also apparently need root canal in one tooth before it causes major problems, so really need to think about getting that done but its another £470 :eek: So either add to debt or think of some other cunning plan :cool:

Baldybear

Good morning

So £1.28 into my overdraft, grr, but have things to return, £5 worth of books and £12 of sheet that is wrong type so must see if I can do these this week as then will bring me out of overdraft with few pennies to spare.

Been doing some general working outs to achieve my plan of possibly taking over the house. Can get £100k approx for a mortgage So need to do the following:-

• £6.7k paid of debt
• £8650 to mum (possibly may not need to pay this but would like to)
• £50k outstanding mortgage
• £15k approx to pay of ex for his half of mortgage

Total needed £80,370 or £71,700 if dont pay mum

Mum has £30k she could lend me so only £40k to find. So this is my new target!!! :eek:

Also worked out what I would ideally like in savings and it comes to £5030 :eek: This includes:-

• £1140 for horse - yearly fees and £1000 for emergencies (big vet bills etc)
• £1290 for car insurance, tax, mot, service etc yearly
• £350 for yearly life and house insurance
• £1000 for general emergencies
• £500 for general house repairs, white goods replacement
• £250 for presents
• £500 for misc including teeth

May not need as much as overcompensated on some but is another useful target.


So now to try and make some of this money, could be here a while :rotfl:


Not a NSD today, have half of lunch bought in but no fruit so going to get a few bits and some yoghurts but have cash in wallet to pay for these, prescription to get but this is free as have medical exemption.

Baldybear

Just checked mail and paid my vet bill that was before xmas so another £157 added to my debt total but no more outstanding bills.

Baldybear

Good morning YAY its friday!

£13 back on my card from current account taking an item back so ended up being £11 in credit before payday so no overdraft used

Payday today. £50 sent to my cc from budget for horse food as plenty in so not needed. Parents kindly gifted me £200 towards vet bills so that has been sent to and £3 received from survey site so has taken balance down from £1827 to £1724 so thats great.

£5 to come back on my current a/c today for other items to be returned. Small food shop as well need to get bread, milk, cheese and ham. All other food for weekend from stores.

Of out on Saturday to see Spamalot for OH's Xmas present, tickets already paid for, I will pay for trains which is within budget and OH will pay for dinner

Baldybear

Another £5 into my account from the final refund so all helps

£12.19 spent on various bits of food. Got £12 worth of nectar points to use so that will be good for next food shop.

Had an old bingo account that set up ages ago which I made money from cashback, they sent e-mail today offering me £5 free bonus money, played through didnt win, won £1 on an internal quiz played 50p of that and won £3.18 couldnt withdraw so deposited £10 and withdrew £13.18, so few pounds up which will go straight to my credit card