Changing for good...a new start!

Baldybear

lucielle wrote: »

Challenge for you to get it listed/sold by Sunday.
L

Challenge accepted, will do this weekend

Baldybear

Good morning, payday

So have sent of the horse food budget and £7 odd from chimney sweep budget and re-paid the shortfall in the rental deposit, goal 1 completed, listed below as helps to keep me on track.

These are my new goals as of 23-9-15:-

[STRIKE]1. To pay back shortfall from rental deposit - £82.16[/STRIKE]
2. To pay of my barclaycard before 0% deal ends - £3888
2. To get together insurance fund for next year - £1653
3. To get back another emergency fund - £1000
4. To go on holiday for my birthday in March - £500
5. To pay of my overdraft - £800

So total is [STRIKE]£7.923.16[/STRIKE] Now £7,841.00

I have £43 surplus in budget from chimney sweep fund, will keep in account for now and see how I go. All extras now in will start putting half and half to insurance and barclaycard goals. Will put all in savings for now as can earn some interest in the meantime.

Final ebay buyer over the weekend still hasnt paid so have raised a case, items on there have a few bids so all looking up

Baldybear

Good morning

Its friday and sunny! Picked a loads more runner beans last night, have loads in my freezer and they are still growing, have done super well with these this year. Still got my parsnips and carrots to harvest sometime too.

Couple of ebay sales last night, £12.68 withdrawn from paypal this morning, have sent £6 each to the savings for goals 2 for the bcard and insurance, have left the 68p in account to help with the overdraft. Think will do this each time I have odd pennies as will help the big cause.

So goals 2 both of the mark, small amounts but will soon add up

Got up late this morning so didnt have time to sort lunch :cool: so need to spend some pennies at lunchtime, got fruit and crisps so just need a sandwich. Going to see if I can book a haircut tomorrow too, should be £20, desperately needs doing, can take out of left over budget from chimney sweep as still have £43 in there. Then can re-dye my hair, hair dye already at home so no extra spends there

Baldybear

lucielle wrote: »

Challenge for you to get it listed/sold by Sunday.
L

Baldybear wrote: »

Challenge accepted, will do this weekend

Challenge completed, have advertised for sale, no enquiries yet, will keep trying, also listed a rug and some other horse bits locally, may put them on ebay if no interest

Baldybear

Good morning

Saturday got my hair cut, went to different place as other place not answering their phones, more expensive £40 but seen as it was 6 months since last cut think can stomach that. Havent dyed it yet, will do this week.

Then I got fuel and went food shopping. Bad idea really as spent over my budget for the month, only by £5 but thats it no more budget for food left :eek: Stupid really :cool: as didnt need all that food, but was having a random weekend and was a bit at odds with myself, felt a bit bah with it all. No excuses really but hey ho its done now and moving on. So I have counted I have 62 meals worth of food in my freezer :eek: So apart from some fresh bits this should last aaaaages, it will have to have no money left. I may need some fresh bits later in the month but will have to see how I go really as no money left. Well I was going to do a challenge to see how long I could make it last, well there is no time like the present and with no money left I dont have a choice so here goes (again!)

Sunday was a much better day, didnt spend a penny, did some surveys and listed some ebay items. Spent the morning with the hoss, rode her on my own for the first time, she was very good, only about 20 minutes but it was great, not a hoof put wrong My trainer is coming down on friday and we are going to see if we can hack out again go a bit further this time, be fab

Got details for online banking for my mortgage over the weekend and logged in today and my balance is £144,415.45, still a super long way to go but getting there

Ebay although listed a few things have realised a lot of my pile isnt great, really need to try and get rid of it somehow, its annoying me, have a shed load of books so going to see if I can get them listed/sold elsewhere, my mission for the week if I can.

lucielle

Well Done!
L

Baldybear

lucielle wrote: »

Well Done!
L

Thank you, just need somebody to buy my stuff now, think ebay may be the better way forward.

Baldybear

Good morning

Dyed my hair last night, not exactly 100% the best colour but definitely 100 times better than it was, makes me feel a bit brighter.

Was going to go and see a friend this weekend but really dont have any money, have worked out have £100 left in my account (including up to overdraft limit) after bills and this weeks horse trainer paid out If I go away will be £10 in fuel, £15 for yard owner plus spending money, none of which I can afford. I need to suck it up and stay at home, will offer for friend to come here and do something local, if not will do something free at home by myself or offer to take my nephew to the park for a few hours, just something a bit different.

Money coming in has stopped a bit, am getting there with ebay, surveys etc but just not showing any outcome at the moment, need to try a bit harder as no way going to reach my goals otherwise. Currently have £7.50 in each savings pot for targets, with the targets at £3888 and £1653 this is still waaaaaay off what I need. Will keep trying somehow.

Baldybear

Good morning

Finally managed to get my bro in law round last night, put up my saddle rack for me, no longer tripping up over it in the hallway, could keep it at yard but feel safer keeping it at home, covered under contents insurance

After yesterdays bahness with money coming in managed to redeem some pennies on some survey sites, takes a while for it to land but all helping the big cause 100 free listing on ebay so will try and put some bits on tonight, including some of the horsey bits that arent selling locally.

Baldybear

Good morning, its friday, sunny and I have a half day

Off this afternoon to go out for a hack with horse trainer, lovely day for it, just over 2 hours left at work

So last night ended up being spendy, lodger wanted to go and see a film, havent been to the cinema since january, expensive £15 (in 3D!) but it was very good, saw the Martian. I never usually go out during the week so was a pleasant change. Would love to go more often but I just dont have the pennies. One day maybe.

So good things, small ebay sale last night and small survey payment has landed so £2.50 each to each savings target and 61p left in the current a/c to help with the overdraft.

Interest paid on several accounts, moved it all to insurance savings, targets now at £10 for the barclaycard and £10.36 for the insurance