I've had the worst of times - now for the BEST of times!

supersaver1000

Happy pay day P&F. Glad you are okay. Don't worry about posting, you post when you want to, just let us know you're okay from time to time. Xx

peaceandfreedom

supersaver1000 wrote: »

Happy pay day P&F. Glad you are okay. Don't worry about posting, you post when you want to, just let us know you're okay from time to time. Xx

Hi supersaver1000 - wow, that was a speedy response. :T
I really should get back into posting more regularly because it's so good to get the support. I am doing this whole money-saving debt-busting frugal-living thing largely on my own so it's great to chat about stuff on hear and read about what everyone else is doing.

jwil

Yay, you're back

Hope all is well Happy Pay day!

liltdiddylilt

Lovely to see you back.

Sealed pot total is FAB! I must do that this year

Keep coming back. The support on here is invaluable and there are always little ideas here and there to spur me on or give me some more oomph and failing that, it is lovely seeing how others are doing!

peaceandfreedom

Thanks people, it's good to be back.

I had a VERY lazy day yesterday lounging about on the sofa in front of a blazing fire - I've been unwell all week and soldiered on at work so I awarded myself a lazy day. But I really have to get on with stuff today - the house is a tip. So far this morning I have cooked breakfast and given my son a lift somewhere and that's about it.

Have a long list of things to do though, so will get started now. It's a lovely autumn day and the sun is shining.

peaceandfreedom

OK, so first job of the day has been done - have got myself a nice 0% balance transfer credit card with 0% fees with a certain mega-supermarket. The credit limit is more than enough to transfer my entire Barclaycard balance, which is just running out of its 0% so I'm a happy bunny. :dance:

The 0% interest only lasts for 12 months but it will be paid off by then.

I've said it before and I'll say it again - need a better-paid job. I've done my time picking up new skills in my current job and they've definitely got value for money from me so I don't feel bad about scouting around. 2015 is going to be a good year, I can feel it in my water.

peaceandfreedom

Howdy again.

I've been looking at my budget for December and it is looking rather dodgy. :cool: I will just make it if I am EXTREMELY careful. I have a new credit card with 0% on purchases as well as balance transfers so if things get very very tight, I could use that but I really want to get through this Christmas without using a credit card. I will use my overdraft though but you, know,one thing at a time. :rotfl:

Anyway, I keep tweaking and re-jigging everything so hopefully it will all work out. I also need to raise some more funds somehow, just a hundred quid or so, so I need to get working on that.

Meanwhile, here's a good, bad and ugly update.

The good:
Bought some VERY discounted luxury hand cream for Christmas presents.

The bad:
It will cost almost 18 quid to get my boots soled and heeled. Am tempted not to go back and collect them.

The ugly:
The car needs a service - it is really struggling to start these mornings - and this will cost a large sum of money. Sigh. (Though truth be told, if I serviced it now I wouldn't actually pay the bill for weeks .)

Enjoying_life_more

Caught up - you're doing great - well done on the totals paid off to date !!! and well done on the zero percent Card !!

in_need_of_direction

At this time of year, you need both boots and a trustworthy car. Is there something else that can give?

peaceandfreedom

in_need_of_direction wrote: »

At this time of year, you need both boots and a trustworthy car. Is there something else that can give?

Nothing that hasn't given already.

I will probably book in the car to be done in a week or so. That means I almost certainly won't be paying the bill until after my January payday.

Can I admit that I already have 3 decent pairs of winter boots as well as walking boots and wellies? But the boots in for repair are rather nice leather ankle boots and I reckon I will get a good two years out of them at least. So I will collect them next week.

Did a fairly decent main food shop this evening as well as some Christmas stuff. I am getting better at being disciplined.

Cooked a nice stir-fry for tea and have two portions ready to go in the freezer for lunches next week.

And to round up ......

The good - Got lots of 'You are wonderful' comments about my work today. :dance:

The bad - Ate a puff pastry mince pie when I am supposed to be eating low carb.

The ugly - REALLY need to get a lot of housework done this weekend as it is all looking a bit dusty and neglected. :o

Still, it's Friday now and I'm off to watch I'm a Celeb.