Changing for good...a new start!

Baldybear

Just looking back over my goals I wrote for myself on 28 December for 2015, going to write them down here as helps me get motivated and see progress:-

Clear Barclaycard - £5324.48 - work in progress
[STRIKE]Clear Sofa - £300.30 - only £60 lef[/STRIKE]t - Now Complete
Clear overdraft - approx £700 ish - work in progress
Savings a/cs at limits - [STRIKE]insurance at minimum completed feb 15[/STRIKE] - starting again Oct 15
Ex name of mortgage - in my name - wont be this year
[STRIKE]Plasterer hallway[/STRIKE] completed may 15
do hall decorating including new carpet
finish my bedroom
lose weight
[STRIKE]buy saddle [/STRIKE]-bought one Sept 15
[STRIKE]get rid of ex's stuff - in loft at minimum[/STRIKE] all in loft
foreign holiday - not going to happen
[STRIKE]hair cut/dyed[/STRIKE] yep
keep on top of personal inbox - oh dear work in progress
ex of credit file - joint association re mortgage - not this year
[STRIKE]lodger [/STRIKE]- moved in Aug 15
[STRIKE]renew passport[/STRIKE] renewed May 15 saved up for
emergency savings at £1k [STRIKE]completed Sept 15[/STRIKE] - starting again

Baldybear

Good morning

Update above is update on my 2015 goals, still lots not achieved and some were achieved but now starting again, but pleased progress has been made

Sofa payment out today, last one, another debt has hit the dust :j

£100 paid to ex this morning, small ebay sales over the weekend so £2 sent to each respective fund and 13p left in overdraft.

Looked at trying to sell some of my books over the weekend, some will sell on we buy any books so going to see if I can send off shortly. Will try other sites shortly.

Weekend was good, saturday went out with sister and nephew to local farm/play area, sister paid for entrance, I paid for tractor rides, £4 spent, took own lunch

Sunday took advantage of a sunny day and cleared my field and then came home and painted 2 of my external windowsills, still 1 to go at the front and 4 at the back, but not as desperate.

DebtFree2012

Sounds like a lovely weekend.

Congratulations on paying off the sofa!!!

Baldybear

Good morning

Thanks debtfree2012 for dropping by

Final ebay payer over the weekend, all packed up and ready to post today, another £2.66 withdrawn from paypal, so £2 sent to savings and 66p left in overdraft.

Am pleased that I am using the pennies for the overdraft reduction, only teeny amounts but hopefully they will all add up soon and will be out of the overdraft without too much hard work

Also thinking about christmas, I know its only october but not that far away, have no money saved, dont need to buy a lot just mum, dad, sister, bro in law and nephew, everyone else just gets cards. So not a lot to spend, prob £35 on adults each and £50 on nephew so around £200 to find. Hoping to see if I can redeem some amazon vouchers from some survey sites as that will help definitely for nephew. Lets see how I go!

Baldybear

Good morning

Final dentist visit this morning, feeling very sore now, they did a clean but I didnt ask for it, wanted to charge me but never agreed to the price. They originally wanted to book me in for a Hygienist which was £51 but said would leave it for now so assumed no extra charges on already paid bill. They may ring me but I have already paid what was agreed so that should be it. They have already had £525 out of me, really dont want to pay anymore!!

Went food shopping last night, took lodger as he wanted to go, stocked up on fresh stuff, will last rest of the month, spent £21 which was extras I dont have really, but balanced the books by only having 1 horse trainer session this month which saved me £25. Now I have a saddle dont need trainer as often so will be a forward saving of £25 each month. Will still do once a month for now just to keep on top of training as still does help

It hasnt landed yet but have just redeemed my first £10 amazon voucher so my first payment towards Christmas

Had to refund ebayer buyer which is annoying but only £2.52 down, have left paypal short for now for fees but I do have a few items selling this weekend so will even it up and hopefully after this weekends sales should have a few pennies left to put towards goals.

£4 expenses landed, not a lot but helps so sent to savings goals.

Know its a few weeks till payday but worked out my budget for next month, pay is £1578, budget is £1473 so in theory £100 odd saving towards the overdraft. Should be more in theory as wont need horse food budget of £75 but may put that towards Xmas presents. Watch this space Definitely helps with the savings now of £25 on horse trainer and £30 from sofa

Baldybear

Good afternoon

Manic day at work, nothing seems to have gone right, least its friday and less than half an hour to go! No word back from the dentist so assume all ok there.

Ebay has gone up a few pennies so will be able to re-coup my loss from the other day and make a few pennies on top.

£5 survey money landed so sent to savings goals now at around £17.50 each so thats good. Withdrew some more survey money but not going to count until it lands.

Not much planned this weekend, will ride the hoss and ebay, desperately need to cut my grass so hoping for some warm weather.

I grew lots of veg this year, parsnips picked last weekend had about 6 decent ones, carrots - got 2 big boxes stashed in the freezer and had lots of little ones for the horse. Strawberries are still growing had loooads of those. Now runner beans, I do love them but I am getting bored of them now, when will they stop growing! Have gone mad this year, have given away 2 massive bags to sister, 2 bags to mum, got loads of boxes worth in my freezer but yet they are still growing! I am not moaning too much because at this rate wont need any beans till this time next year :rotfl: but it is annoying me now, fed up of picking and prepping them! Will watch this space, suppose they will give up eventually :cool:

Baldybear

Good morning

So a good weekend, saturday cut my grass, picked more beans (gave to parents) and shampooed my living room carpet, ideally needs to be done again plus rest of the house, will see if I can do again sometime this week. Spent a few pennies and bought some chicken breasts as had bought the rest of the ingredients for a chicken with filling etc thinking I had some in the freezer, had everything but, only spent £5 as bought eggs too so not too bad.

Sunday didnt spend a penny, rode my horse she was a bit on her toes, had a few moments but managed to get over it, just need to remember she is still only young and learning. We will get there just cant expect miracles overnight, overall pleased Then came home listed some items on local fb selling page, listed some ebay items, few have bids on already Then made myself a cake and some shortbread biscuits, first attempt, not perfect but fine to eat and no where to improve.

One small ebay sale over the weekend, worked out pennies from money I had to refund last week and still ended up with £2.41 profit, so £2 sent to savings and 41p in my overdraft.

Chrysalis1976

Yikes to the dental bill, but everything else seems to be heading the right way sounds like a lovely weekend.

Are you attacking your b/card now?

C x

Baldybear

Good morning

Thanks chrysalis for dropping by, yep ouch to the dentist bill, new crown but sorted now and no news from dentist so assume all ok.

Re the barclaycard am saving for that at the moment. 0% deal ends end of February next year so worked out with minimum payments to be taken of between now and then need approx £3888 to find. Stashing it away in a savings account for now so can earn a few pence interest. Also need to save for annual bills, insurance, car etc for next year which is £1653 so each bit of money get in split between these two. Also got my £800 overdraft so any odd bits am leaving the pennies in the overdraft to help with that.

Also would like a emergency fund back up and saving for a holiday next year but doing the barclaycard and annual bills first.

At the moment only have about £40 between the 2 accounts so still a loooong way to go. Have redeemed some more money today from gas and electric, they wanted to adjust direct debit if I took the full amount, £12, but have redeemed and then reset the direct debit back to what it was. Also withdrawn £2 from my electric account.

Worked out roughly am due about £90 from various sources which will greatly help the cause. Also due some amazon vouchers which can use towards christmas.

Still a long way to go on this debt journey but I am moving forward slowly. Need to spend a few pennies today and get some loo roll and a sandwich for lunch, running late this morning and didnt have time to sort something before I left. One bonus is popping into parents tonight and getting free dinner

Few more bids on ebay items, slowly adding up.

Baldybear

Good afternoon

Some more survey money redeemed, hurry up and land! Some more bids on ebay, taking advantage of free listings, I will get rid of my stash eventually, will list some more tonight.

Redeemed £5 of nectar points from a survey site, have £9 now to spend so will help towards my grocery shopping next month.

Need to spend some extras on fuel probably as got a meeting next week in southampton so will have to top up prior to payday but will be reclaimable, plus a wee bit more, in expenses so thats good

Couple of birthdays today but managed to find some cards from old stash that will be ok so free there

Spent £13 yesterday, got friday off, theres a chocolate show in olympia, friend found a deal for half price tickets so booked 2, will get him to pay for train fare so evens out right. Will probably go for some dinner later. Have £50 misc spending so will use that up, my once a month going out treat! Probably do something saturday too but will make it something cheap and free hopefully.