Positive thinking!

Cwtchie

Small spend today a carton of milk, needs must.
Have rummaged through draws and have found £12.82 in change mostly twos and ones but money's money
Also forgot I had a balance of £15.01 in mynpaypal account so that's been transferred into my bank account, also in there is £82.33 euro money converted back, still need to add more from somewhere lots to pay for this month.
Didn't manage to do any gardening but did do a few jibs,my he rest will have to roll on for tomorrow.
Night

Cwtchie

wow spelling was rubbish last night lol, obviously shattered
DD just left for University so quick scan on here and then horses.Much colder here today, still very clear so a nice morning but rain is due by 3pm.
Going over to do my mums house today, our car is back and although we had a panic that the parts werent right, they have turned out ok so no further expense, our neighbour wont give a price either!! But he tends to be very cheap, so hopefully will be this time.
Need to go shopping today, very annoyed that i ran out of milk yesterday and didnt have time to do a better shop so i could have spent yesterday and then not today, which would have given me 1 nsd at least.
DH appears to be onboard with my moneysaving and frugal behaviour, he came down last night with the change from his pockets and put my little pot up to £12.08 a long way to go but it is growing.
Everything seems a long way off.
Over the past year i have paid off an extra £100 off a credit card per month and now it is cleared was £1600 so pleased. That means officially I can find £130 to put towards the CC i have left on top of the payment i have been making, if i do that the £6000 will be go in 2 years. The trouble is i want to do it faster but cant so it seems to be a long time before it is paid
Things to be started...........

judi24

Hi Cwitchie - didn't see you sneak back in!!! Sorry! I have not been posting much either! I must do better!!!


Sounds like you are plodding on - the debt is coming down - and although it seems slow it is still going down and you are still having a life!


My garden was a disaster too this year - I blame the studying but must get my act together for next spring!

DebtFree2012

It feels slow but the scary thing is you will be debt free in no time which is amazing and frightening at the same time. The days pass so quickly don't they?! Enjoy every minute of paying your debt off.

LOL that's a bit deep for this time of the morning - sorry! x

Cwtchie

Evening Judi nice to see you
Debt free that's a good way of looking at it, two years feels like such a long time and commitment I am sure I'll run out of motivation but like you said that's actually a short time and if I treat it as a challenge, I will keep me motivated. After all my other cards has gone by overpaying.
We've got rain here this evening, we brought the horses in an hour early they raced up the field when they caught sight of us lol, wussy horses we have they don't like rain
Then DH and I went shopping and only did our basic shop in aldi, will update spending tomorrow, bought horses feed three bags which will last the week for £19.50. Took out hay money for tomorrow as the hay is coming and DH is dealing with it. Best he does because frankly, I can't stand the bloke, biggest primitive woman hater ever. I told him his hay was !!!! last week on the phone and unless he could provide better this time I wouldn't buy from him again, his reaction - he laughed! !!!!!!!!
Tomorrow I am ashamed of myself I am going out for dinner with the girls . I enjoy it and it's about once a month or so. Glass of tap water and a tuna baguette £4.95 that's it, I refuse afters even though it looks lovely. Occasionally also have £1.80 coffee in morrisons earlier as well.
Anyway I am going and that's that!
Have had some terrible news which is not directly related to our family but has shocked and upset us beyond belief. i can only hope that my belief in British justice will come true and a lenient sentence will be passed, so upset

DebtFree2012

Enjoy tomorrow! Don't feel ashamed at all. You will end up giving in if you don't have the odd treat.

How much do you pay for what hay if you don't mind me asking - we're going to need an order soon for the farm when we move We've been quoted £25 for a large round bale or £35 for haylagde. £15/£20 for straw.

Sorry to hear of the sad times in your life.

Cwtchie

Evening,
We are paying £170 for 6 big bale wrapped hay. The stuff we have just had is good and we are pleased. We can pay up to £45 for long haylage bales but they are like golden grass inside and seriously rich, no good for ours blows their minds and causes diarrhoea. So average is around £30 or so. I have paid up to £4.50 per small bale of hay, extortionate!
Last few days we've had a few spends, all on budget but never less spends.
£170 hay, £100 for the car , £57.38 aldi, £19.50 horse feed, and a forgotten car tax £94.50 which wasn't planned, my fault! Have paid back over £173.00 and need to find £221.18 for this month so far.
Have cancelled the farrier yesterday now booked for a week and a half later so if I keep up 7 weeks at least I will be better off.
Have been practising reiki again daily, I need it to help the person in my life who needs all the help he can get, desperate to help him x
Also been going to a spiritual centre weekly, the mediums so far have been accurate and gave good messages, but the two this week were not great, so I am ashamed to say I sat there working out how to do French seams which were on my jeans
Horses have been for the last 3 days due to the weather, today it was an amazing sight to see all five racing down the m!nage in a line . We actually had a dryer day.
Rayburn has broken again, the cooker has worked for a couple of weeks giving some heat but yesterday it broke, so oil filled radiator in the lounge tonight, it's warm enough and the chihuahua is warming my lap.
Can't seem to get the house to a clean stage where it will just tick over, very annoying!
Had an amazing dream last night, I dream every night but rarely can remember them. Years ago I worked for a pair of brothers who my husband called "the itchy bollock twins" lol, because they constantly scratched a certain place lol, anyway there were bullies! Ever since and I mean for around twenty years periodically I dream of them and they are bullying me again, I wake up depressed remembering what it was like. Last night I don't know what happened but I gave them an absolute rollicking and said everything I've ever wanted to say to them and threw them out! I was in control and I woke up feeling liberated and fantastic

Cwtchie

Have decided to wait in the mornings for DH to help me do the horses. 4 stables occasionally 5 depending on where monkey pony has spent his night in or out, is a bit hard by Thursday I am way too tired. Once I've done the yard early, I go and decorate till after lunch then do the trimming and try to fit in housework and cooking and 5 mins to pee somewhere in between. I'm shattered, yesterday I actually went to bed for an hour! That is not me.
Soon the house will be finished and I can concentrate on the trimming.
DH made me breakfast in bed and dinner tonight, shall I push my luck and mention a cuppa? Lol x

DebtFree2012

Thanks for the hay prices, it is consistent with what we've been offered locally. We won't be having hayladge either.

Sounding like a turning point in your life with regards to the dream - I love stuff like that!

cazmanian_minx

I don't do haylage either, though Merlin is absolutely anybody's for a slice of Horsehage! Up here it's £3 for a small square and £20 for a 4x4 round.