A Ditherer's Diary (again)

Naomim

I checked with the garden office people and they accept credit card payments.  I've applied and been approved for a Natwest Purchase card 20months 0% interest.

As we've already paid the deposit the balance is £2782.00  I also need a new tumble drier approx £300 which I'll also get on the 0% card and set the minimum payments to £165 to clear it all in 19 months.

I'm also thinking I might need to start closing down some of my zero balance credit cards.  There are three MBNA cards, one Halifax card and one Tesco card all with zero balance.  I have approx £80k of credit available and I do not need that! It might be handy to keep one MBNA as they do offer balance transfers and only have a 1% minimum payment fee.  However, with a large amount of credit available and only owing approx £14.5k, I wonder if I reduce the amont of available credit, it will look like I'm over leveraged?  Might need to pop on the credit card boards and ask.

So, now to wait for the card and "spend, spend, spend"  (only joking!) 

Naomim

MrM has bought me a water feature for the garden. It's actually my birthday present but a couple of months early. Trouble is, it's very expensive!! I doubt there will be any spare cash at the end of this month. I've wanted one for a long time but not sure I would have spent so much. 

Nothing else to report. Had a quiet day today, finished my book, then the in-laws came over for a bbq. Probably the last of the summer. 

Food shopping tomorrow but probably in Tesco as need some cleaning & laundry bits. 

Naomim

Food shopping done. Spent £118 but I was in Tesco and did buy laundry detergent & conditioner plus some bathroom cleaning bits.

Spent last hour or more sorting the mountain of laundry in my room. Kids stuff put on their beds to put away. MrM is currently snoozing on our bed so ours is in piles waiting. 

I've come outside and sitting in my garden with a posh apple juice listening to my water feature and waiting for the oven to beep as I'm cooking a whole chicken. I usually manage to get around 3 meals out of an extra large chicken but might treat MrM to chicken sandwiches for lunch tomorrow. 

Tomorrow is also my friends brothers funeral so I'm off work. 

Hope everyone has had a lovely weekend. 

Naomim

My first HSBC payment has come out of my account. I can breathe. For some reason I was panicking I hadn't set up the DD even though I always do whenever I've had a new card. 

Waiting for the Natwest 0% purchases card to arrive. 

Not much else to report. I'm out at a party on Thursday night but thinking the tube strike might cause a problem. I'll have to check where it is. I know it's in central London somewhere. It's my previous employer so I'd like to go and see old faces. 

Other than that, planning on a quiet month to try and get back a bit of what MrM had spent and ready for our trip to Sorrento. 

Off to tilly tidy the accounts now. 

Naomim

Morning all, 

I have a day off today and am writing this from the comfort of my bed rewatching "Ghosts".

We had a right palaver the other night. My dog was looking out the front room window, then went loopy running upstairs. Turns out a squirrel had jumped in my son's bedroom window and then run into my bedroom opposite. MrM, dd and I then spent ages trying to catch it. We managed to catch it in a big bag, but it jumped. I screamed like a little girl and threw the bag at MrM. 
In the end we left the bedroom windows open, the door shut and MrM and I decamped to the in laws for the night. Squirrel appears to have gone. 

Least night I went to my old work party. I had a lovely time, not too much to drink and managed to leave in time to get the last train home. 

Still waiting for my 0% purchases card to arrive 😫

Naomim

I keep feeling uneasy about money this month. I think it's down to MrM spending so much on the water feature without me budgeting for it. 

We have £80 of bills to come out before payday and I just looked at the calendar and I will need to do two food shops so roughly £200 if I'm shopping in Aldi. We should finish the month with a positive balance. 

Now we end each month in positive balance, MrM keeps asking if it's right and am I sure I'm not missing a bill or payment somewhere (I'm not). 

Weather here is awful. I'm not looking forward to 15yo's first game of the season in the pouring rain tomorrow. 😫

Naomim

I woke up about 5am feeling full of cold. Nose running, sneezing and banging headache. I've sat about on my sofa all day today. However 15yo is also off sick. She's just had a shower and I've noticed drops of water coming through the front room ceiling!  So we are going to have to find where this is coming from. 

The bathroom was replaced about 18 months ago because 20yo left the tap on and flooded it.  It was never done when we had the rest of the house done a few years ago. MrM is going to get in touch with the plumber but it could be something we need to claim on the house insurance. 

flamingo22

Oh no, this cold I've got has been lingering for two weeks nearly, GPs put me on antibiotics today, chest infection 🙄

Hope you manage to sort the leak out. 

Naomim

I'm feeling slightly better today and have been working this morning but now I've stopped for lunch, I feel awful. 

Naomim

Hi All, 

Feeling much better now,  just left with a little tickly cough.

Last night MrM & I shared a cod & chips from the chippy. As I came out I went to get in the car and shocked the lady who was sitting in the drivers seat. Wrong car! 😱😂🤦‍♀️

Doggo was ill in the night and 💩 everywhere. The internet went down this morning and the plumber turned up with his 9yo son in tow whilst I was on a work call. It's been a hell of a day.

On the financial front, the 0% interest card has arrived so I can now pay the balance for the garden office. It's being installed next week. I can't wait. 

Our trip to Sorrento is fast approaching too. I need to arrange to get some euro as I've read a lot of places are cash only. 

Still tilly tidying but didn't really do any past few days whilst I felt poorly. 

I'm very tired tonight so will be off to bed shortly.