Horses, debts and general mutterings

LAM2011

Hows the rain down your way - hossie ok in her swimming pool ?


how was the dentist?


I have given up on surveys at the moment keeping getting bombed out but you are an inspiration - you are really dedicated with them.

Baldybear

Good morning

Good things and bad things :-
Sofa payment out so another £30.15 of the debt
Quidco friend referred so £2.50 should be paid shortly
Mum should be helping me out with dentist money

Dentist yesterday so another £490 added to my debt
Got really sore mouth and cant eat properly and now got cold
Car insurance due on 25th, renewal is £448 so need to get that down
Car service and MOT due on 18th, have £350 in savings so hope this covers it

LAM re the field, still really wet and muddy, my lake is still there and now my hossie has decided she doesnt like going in, in the mornings so last 2 mornings have bribed her with a carrot which works but will get there eventually. She is 90% good all the time so cant moan too much.

This picture was taken at 7.20 this morning

Baldybear

Good morning again

Did compare on car insurance have managed to get price of £264 so pleased with this as nearly half. If also tracks ok on quidco may get £75 cashback, o heres hoping Paid on my CC tho

£18 withdrawn from paypal for weekends ebay sales so thats gone straight to my CC

Have spoken to mum and she is going to give me £300 towards my dentist bill, an early birthday present as dont need anything for birthday so this will cover most of it

Baldybear

Just worked out over last few months paid the following:-

£890 for my car (major fault repaired)
£200 car rental (whilst car was being repaired)
£336 first vet bill (colic out of hours)
£157 second vet bill (teeth rasping plus sedation)
£73 first dentist (broken crown)
£490 second dentist (root canal)
£105 car tax
£264 car insurance
£70 extra horse bedding from flood
£200 carpenter and general diy bits (works to improve house)

Total £2785

And still to pay £400 ish?? For car service and mot on 18th (Got £350 in savings to pay so hopefully around this figure)

Not forgetting Christmas and general expenses!

Oh plus a new bed £1k ish, which unfortunately was sorely needed

So well over £4.5k :eek:

No wonder I am poor

Baldybear

Good morning

A few more items sold on ebay so some to post today so another few pounds to take of debt. Food shopping spent £94 but well stocked up and have done a freezer inventory so will help me plan better Bought new coat £35 OH paid for so will see if he wants this money back. Yesterday was a NSD, relisted ebay items and did some boring surveys, dinner was left over xmas turkey from the freezer.

Have been charged £40 interest on my Sainsburys CC Havent go enough free to balance transfer entire amount to NW but should be able to do £3k ish so will get paperwork out tonight and do that tomorrow.

Hossie had first part of box training at the weekend,s tarted of slowly but in the end had tarpulin stretched out and tied to one side of the school fence, 2 jump wings on the other side, was a wee bit windy so tarp was flapping a bit, was narrow gap she had to walk through. And walked over a wooden door that slightly moved at the same time. She ended up just following me through as I had carrots and didnt have to lead her, just kept repeating and narrowing gap and she was really good

LAM2011

Its certainly scary when you make a list of spends like that isn't it?


Yay to good little hossie and roll on summer when hopefully you will be and out and about on her.

Baldybear

Good morning It is scary with the spends, but fingers and hooves crossed there are no more unexpected spends. Got the car mot and service but hopefully most of the savings will cover that.

Managed to do a 0% balance transfer, transferred £3310 with a 3% fee of £99. Its for 6 months so even with the fee should save me 4 months interest of around £45 a month so nearly £200

Takes my totals of Sains CC to £1077 and my NW CC to £5417. My NW is really easy to pay as on my main internet banking.

Is free listing tonight so hoping to get some more bits listed on ebay.

Very bored of the weather now, its still raining, luckily not on the Thames but near a river which flows into the thames, seems ok at the minute but keeping an eye on it. Field is till wet and miserable but at least hossie can go out during the day and is dry at night. 2 of the riding school ponies escaped this morning, didnt realise until was mucking out while hossie was having brekkie and 2 little heads popped over the door, scared the crap out of me :rotfl:

Baldybear

Good morning

Small spends yesterday, money out for hoss trainer this weekend and hay from the yard owner, 2 cards bought for birthdays and some emergency choc for work, luckily all spends budgeted for

Was bad and didnt do any ebay last night, have loads which will really help my cause but am terrible at procrastination :cool:

Did sort out hossie bits so sorted and organised for the week, caught up with recorded tv and went through a load of e-mails so not a complete waste of an evening.

Today is a NSD, lunch bought in from home and babysitting at sisters so she will provide dinner. Tomorrow is left overs from last nights dinner so thats all organised already

Got 2 free deodrants and some stain remover to test so that all helps the cause

LAM2011

I cant motivate myself to ebay or survey at the moment very bad! Glad hossie is doing well - I think we will all be buying hay for a while yet in this weather!

Baldybear

Good morning

Balance transfer gone through so have updated signature, now just to keep paying it all off.

Have £190 left in current a/c, excluding overdraft and worked out have £75 worth of expenses, £25 hoss trainer, £41 CC min payment, £10 to yard owner for next week so have at least £100 spare. May need to get few groceries so maybe another £20 but thats fantastic. Will check on payday but will mean should be able to put this excess towards the debt. Also worked out dont need to pay water rates this month so another £30 to throw at it