Changing for good...a new start!

Baldybear

Good morning, just

£7 worth of clubcard vouchers have landed today, considering I hardly spend at tesco these days thats great, had a check on points statement and there are a load of transactions for points am not sure I used, transactions from slough, I never go near Slough! So thinking either its from a survey site which top up in points or someone else details linked to my account, cant work out what so will just keep an eye on, not that I am worrying too much as happy for the vouchers

Havent decided yet whether to just spend in store or double up for some days out, going to have a look and see what is around.

Mara_uk7

Check up on the tescos thing , My account was linked to someone living 600 miles away .. and they spent all my points , Took ages to get it sorted !!

Baldybear

Good morning

Mara thanks for your comment will look into it

Spendy day today, spent £52 on my credit card, but.... will get half to 3/4 of that back. I have bought a pressie for my mum on behalf of dad, also bought a couple of sheets which mum will pay me back, actual spend on me is about £10 on some picture frames. Have a few already in the same style and going to use for my hallway. Could have waited a bit longer but needed to up the order value for free delivery. Will be able to pay out of misc budget this month.

Need to pop out at lunchtime and get mum a birthday card for sunday, already bought and she is already using her pressie

Payday tomorrow so new budget set up, have worked out about £20 decrease in overdraft this month, hardly any at all really but at least its something.

Plasterer hopefully back tomorrow so then I can start sanding hallway and get it painted and finished.

Still waiting on ebay sale from last week to pay but she did inform me of a delay, hopefully pay shortly, items listed have watchers but no bids, hope to get a few more on at the weekend. Expenses done just need to submit as that will be a big boost to savings

Spendy weekend planned again as need to get hoss food, also got trainer but friend is riding my hoss instead of paying for a separate lesson, meaning that she is paying and it should be free for me, double bonus

Baldybear

Good morning

So change of plan for weekend, mums birthday on sunday but sister is busy so they are coming to mine for dinner tomorrow afternoon. Have 90% of food in just need to get a few fresh bits. Am going shopping tonight and will use my clubcard vouchers so should cover most of it.

Ebay sale paid so another £2 odd split between savings targets.

Payday today, managed to pay of £28 of my overdraft last month, small figures but least a reduction. If I stay on budget this month could pay of £122, watch this space.

Feeling a bit bah with life at the moment Am ok being single and life is busy and have friends and family to do bits with but with my situation, with the house, financial, life in general it is hard work and although I have support from people sometimes be nice to have someone there to have my back. I could do something like internet dating but I am not that bothered at the moment, dont feel ready, have some many other things going on and would like to achieve some things before I can do something else. Take for example financial be nice to reach at least one goal, or even say the house and get something finished before my mind can think about something else. Just feels like I am in a bit of limbo as hundreds of things going on and nothing is complete and settled

DebtFree2012

Why don't you mention it to your family when you see them. Not to spoil Mum's birthday of course, but a lighthearted chat about things. They may offer support and ideas that you've not thought of. It's hard sometimes, I know. Keep smiling. x

Baldybear

Thanks DF2012 for dropping by, my family are great and already do so much, apart from the fact that they subsidise me £300 a month, they are always around to help me do stuff in the house and there if I need a friendly chat or to drop over.

I think some of my problem is finances are always so tight and I have a house that needs a lot of work doing to it. Both are a work in progress but would be great to see real progress being made.

I have so many ideas of things to do, places to go etc that my head spins most of the time and need to find a way to achieve it all.

I think I am on the right track just need to take a step back sometimes and re-assess to make sure I am and see if I can make any tweaks etc, its just a long journey.

Feel a bit better now I have given myself a talking to. Whilst feeling sorry for myself this morning spent £10 on a few lotto tickets, probably money wasted but hey ho done now and keeping fingers and hooves crossed Dont want a lot just enough to buy out ex and take on the rest of the mortgage myself.

Baldybear

Good afternoon on a sunnyish bank holiday

So a good weekend so far, friday bought a few groceries for party on sat and a couple of books, used my vouchers so only £26 spent but all used and some top up bits.

Saturday got my hoss food, under budget so far hope to eek out till payday, should be ok.

My order came for my mums present, she was delighted, she and dad have paid their bits so Sains CC paid of and back to 0.

Saturday afternoon parents and sister round for BBQ, bro in law did cooking, was a lovely afternoon. Ended up digging up some concrete in my back garden, wanted it gone for ages and my nephew started digging round it and it carried on from there, not planned but great to tick it off the list Just need to get a skip now to get rid of it!

Sunday had hossie trainer, friend didnt come as family crisis so just me and trainer, took her out on her own and she was very good

Sold some ebay bits, have just packed up ready for posting tomorrow, checked bank, checked credit report and updated some figures.

Bcard payment out so now at £4751, emergency fund now at £127, holiday fund now at £30, mortgage now at £146,912, all going in the right direction

Baldybear

Good afternoon, just

Ended up spending money I didnt have yesterday, went out for meal with sister and nephew, £20, took from farrier money already put aside, food was pretty rubbish to be honest but nice afternoon out for the company. Could have taken from misc budget but trying to save that for OD reduction if possible.

Did the hossie in the evening and my friends back from hols, I have looked after her collection of bunnies and birds whilst she has been away, she gave me a huge stash of choc and £20 for saying thank you

My £20 is now put back for the farrier so no worse off Choc should last me a while too :EasterBun

Boring no spend day today, spoke to mum about pressie for dad and he doesnt actually want anything so just going to buy some sweets etc, will see if I can get in a few days.

Baldybear

Good morning

Last ebay buyer paid so another few pounds transferred to savings taking funds to £32 and £129 respectively

Did a super long survey yesterday was very boring but earned me £15, just waiting for it to be processed through paypal now.

Off to get dads birthday pressie sweets later, already got card. Uncle came to see mum yesterday and he had stacks of plants and a few spare for me so hopefully can get those planted tonight.

My lettuce, carrots and one parsnip plant are growing, no signs of the runner beans yet, the strawberries are doing well

DebtFree2012

We have life in our veg patch too! Who was the survey with? Soooo boring doing them isn't it but needs must.