📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Changing for good...a new start!

1222325272851

Comments

  • Glad you're feeling better, you seem to be run down quite a bit recently.

    Well done on the sales and vouchers coming in, and yay to the sofa payments nearly finished - keep going.

    C x
    Loan from Mum £500/£300
    DH computer £270.06/PAID :T
    Kids computer £854.33/46.18 :eek:
    Bike £276.15/118.35
    Overdraft £1192/0 :eek:
    Car £5374.04/316.12 :eek:
  • Baldybear
    Baldybear Posts: 1,719 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :)

    Back at work today, joy now its sunny lol but least had a nice day outside yesterday. Took the hossie for a walk, just round my estate, popped in to say Hi to my mum and dad :) She was fine when we were out on the roads, but didnt want to walk out the yard so lots of swearing involved but good in the end, stupid hoss!

    Came home and took advantage of having a wee bit of energy and a sunny day and re-painted my entire back garden fence, it was new last summer and painted then but now it has over wintered had worn a bit so needed a touch up. Was lucky had just enough paint in left over so all used up and now shouldnt need another coat for a few years :)

    Another ebayer has paid so another £1.84 divided and sent to respective pots, slowly adding up.

    Thanks Chrysalis for dropping by, have an underactive thyroid which in theory is managed but still ongoing and it has killed my immune system somewhat so need to keep working on that one.
    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: 1,719 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Another amazon voucher has landed, so some more pennies already in there to put towards the next present or item needed. Dads birthday isnt till june and probably wont need anything of this and then next present buying session isnt till september.

    Am trying to do up my house (as always) so may save the vouchers and put towards decorating bits, least cash neutral :)

    Waiting on some other BACS survey money to land too so some more to add to totals. Very slowly but all these extra pennies are adding up nicely :D
    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: 1,719 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :)

    Small survey payment has landed, sent straight to savings targets, holiday and emergency fund both stand at £79 each :)

    Still waiting for a payer on ebay, have chased up today, my other stuff has a bid on too, hope to get some more on at the weekend.

    Have another hoss lady coming down tonight, its an old friend from way back and she is training in hoss psychology, she needs a case study (so free to me :)) and she is going to use my grumpy moo. She doesnt seem to like water so we are going to start working on that one, be interesting to see how it goes, watch this space.

    Have my normal hoss trainer down this weekend, money in budget and it works out only once this month so thats good as can do most myself now :)
    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: 1,719 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :) YAY its friday, only a few more hours work left.

    Hoss trainer 2 down last night, no work done yet but lots of chat on history and how to move forward, coming again in a few weeks time, gone away to write a programme and then can start moving forward :)

    Gas & Electricity bills in, £6 in debit by gas but will soon go the other way now we are hitting the warmer months. Electricity had a lot of credit so have requested a refund - £18 odd to hit the account in the next few days, can go straight towards targets again :D
    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
  • MissShoes
    MissShoes Posts: 1,290 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Sorry to hear you've been ill but glad you're on the mend. x
    • DFD 4th July 2015
    • MFD 1st October 2021
  • Baldybear
    Baldybear Posts: 1,719 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning, bah I hate mondays :(

    So weekend was good :) Saturday started of rainy so cleaned downstairs of my house and scrubbed the bathroom to within an inch of its life. Then the sun came out so cut my grass and weeded rest of my back garden. My mum came round and she wanted to buy me some plants so of we went and then came home and planted them all.

    I have been in my house nearly 4 years and the back garden is only just slowly taking shape, it has been a long haul and lots of work including completely new fencing all round and 2 skip loads of rubble, bricks and various other bits of crap randomly found lurking. There is now a lovely new painted fence and some plants to set it all off. I have got existing strawberry plants which have been good for a few years. I also have space to grow runner beans and have also got some carrot, parsnip and lettuce seeds so all bits that I can use and will help me to keep bills down a bit :) Now to just finish the back by sorting out the side entrance which needs a new door and some new panelling and probably another skip load of rubbish! Hope to get it done this spring/summer. Then the inside of the house to do! Slowly slowly but am doing it how I want it, not rushing and pleased with the end result.

    Sunday was a beautiful day, had my hoss trainer and we went out for a ride with a few others, about 1hr or so, a few spooky moments but on the whole listened really well :D Came home had a nap in the garden and then spent lovely few hours playing with my nephew who is nearly 5 at the park.

    Was going to do some ebay but the weather was too nice to be stuck indoors. I am going to try and do a few bits this week.

    One ebay sale over the weekend so a small amount withdrawn this morning, holiday now up to £79.84 and emergency fund at just over £80 :D
    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
  • Great going getting all the veg in I look forward to our home grown it just tastes so much better than from supermarket.

    Pennies are building up nicely for your holiday and emergency fund, it always seems slow to start then takes shape.

    Monday is over now for another week!

    C x
    Loan from Mum £500/£300
    DH computer £270.06/PAID :T
    Kids computer £854.33/46.18 :eek:
    Bike £276.15/118.35
    Overdraft £1192/0 :eek:
    Car £5374.04/316.12 :eek:
  • Baldybear
    Baldybear Posts: 1,719 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :)

    A spendy day today, need to do food shopping, have £10 voucher and £12 of £60 spend so that all helps. Worked out with the food shopping and fuel can just scrape by till payday with pennies left in my account :)

    I do need to get some woodchips for the hoss which I will get this weekend but its buying in advance for when I am on hols so can come out of next months budget, will pay on card and pay of on payday so no interest will be charged :)

    £10 received from survey site today so £5 each sent to respective pots now at £84 for holiday and £85 for emergency fund :D
    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
    Wow it soon builds up doesn't it :)
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.