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Changing for good...a new start!

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  • Baldybear
    Baldybear Posts: 1,719 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good morning :)

    Nothing exciting happening moneywise, no more extra payments, managed to redeem some more survey money last night but waiting for it to land.

    16 NSD achieved in April, which considering I was away a week am super pleased with :D

    Was downloading all my photos etc on pc last night and realised I have no back up if it all goes pear shaped so looking into either memory stick or external drive I can use. Am off searching and will try and use my amazon vouchers so no additional spends needed.

    Expenses have landed so at least thats the forthcoming weekends costs paid for :)
    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
    Afternoon, after recommendation from a good friend have bought an external hard drive, looks great is 1TB so should be plenty. Have paid with amazon vouchers so no spending pennies I dont have. I still have £11 left in vouchers so can use for the next thing that is needed or present :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 :) Its friday, got hoss friend coming tonight start on her behavioural treatment, she hates water, getting stupid to the extreme so we are going to work on this, friend doing it is training so is great to use my hoss for a case study and is free for me, win win all round :D

    Fuel topped up weds night, halfway into fuel budget, hoping to make this stretch as long as possible, no major trips planned until payday so fingers crossed can have this small reduction sometime.

    Came home and voted and then was bad as was tired after a long day and spent £4 on a takeaway :( Nevermind moving onwards and upwards.
    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 :)

    Good weekend, saturday all up to date with bits in the house, small food shop done so enough fresh bits for a while, £22 spent.

    Sunday out for posh dinner, lovely day out with mum and sister, spent about £60 but that was covered by my expenses.

    Few more pennies due my way shortly, £10 refund from electricity supplier, definitely be better of on this new tariff :D Few bids on ebay too, ends tonight, need to get a few more on there.

    Plasterer at home today be so pleased when its done, can than decorate my hallway. Ideally need a new carpet but that will have to wait but at least I can then cross a room off the list :)
    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 :)

    Plasterer has been and gone, looks ok, a few bits to sand down but overall very pleased :)

    £8 odd withdrawn from a few ebay sales so sent to holiday and emergency fund. Holiday now at £6 and emergency just over £101 :D Still a long way to go for both but progress is being made.
    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
    Afternoon :)

    Nothing exciting to report, work do hoss, bed, tidy house and repeat! Loving this nice weather though, doing hossie late at night so she can enjoy the nice time outside, saves me a few pennies on bedding and hay too :D

    NSD today and dinner from bits in the freezer, plodding along with surveys too, onepoll nearly halfway there, same with a few others so time completing is slowly paying off :)
    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 :)

    Electrickery refund arrived so money sent to emergency and holiday accounts now at £107 and £11 respectively :)

    Worked out rest of money for the month, should be ok on fuel as still got plenty in the tank, pay day next friday and no major trips planned. Probably need to do a food shop before payday, have enough in budget for this, will take me up to near overdraft but thats ok for now, concentrating on other bits but know this is one to pay off soon. I have some nectar points so can use those so that will help too :)

    I will get some more expenses at the end of the month so some more pennies to use towards targets, got 2 days to go to hamble in June so although its boring and I hate doing it I am glad of the extra money.
    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 afternoon, half an hour of the working week left :)

    Small survey payment of £3 has landed so £1.50 each to holiday and emergency fund.

    Plans for weekend include grocery shop, sanding some of the hallway (plasterer back next tues to do top up skim) and some veg planting. Have found some seeds so going to try and plant and grow lettuces, carrots, parsnips and runner beans :) I have also received some free wild flower seeds so going to see what space I can and plant these too.

    Am due for trainer with hoss, but farrier had to cancel last week as was poorly and now he isnt getting back to me, sigh, she has very overgrown hooves so will need to cancel trainer and re-arrange for when finally get hold of farrier. Am thinking back of mind may need to change but dont really want to as he does a good job, will watch this space.
    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 sunny sunday afternoon :)

    Good but spendy day yesterday. Bought some windscreen wipers, desperately needed, £35, saved £3 from getting them fitted by dropping round to see a friend ;) £20 in bits from home bargains including sandpaper and few groceries and £57 in sainsburys, but £7.50 nectar points so just over £50 spent, includes 2 months worth of breakfast bits for work so will last a long time.

    Did freezer count and have meal planned up to friday next week and still probably got enough meat/fish etc for another week and half :)

    Planted all my seeds, if everything grows should have runner beans, carrots, lettuce, parsnips :) Already got some established strawberry plants which are doing well.

    Farrier issue solved as he managed to come yesterday. Have re-arranged hoss trainer so thats set for next week.

    Big pack of dishwasher tablets arrived in the post for testing so that should last me a few months :D

    About to do some ebaying, yawn but the pennies are all good. Put up a few items on facebay earlier and waiting for some people to collect, should net be £10 this afternoon and poss another £5 in the week. All helps in the big picture and my house a bit tidier.

    Ex has just been round too to pick up a few bits, mentioned all the tidying and asked about if I wanted to sell yet, no way, said if he wanted to then I would buy him out, he isnt in a position to do anything yet so for now am as safe as I was. Just need to keep plodding away as I am and will get there :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 wet Monday morning :)

    Kitchen trolley sold, picked up yesterday, rug racks sold and just picked up this morning - £15 made, will put towards my next farrier (£25 cost) so less money to find next month so a small budget saving already.
    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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