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Hope mr SA isn't too sore after his fall. And poor old dog - delayed Easter Egg reaction perhaps?:)
Your plan sounds sensible re paying for the floor - you don't want to keep yourself short of cash.
Commiserations on the delayed pension payout - I understand exactly how frustrated you must feel!:mad:
Have a good evening SA.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Hope all is well.
Enjoy your weekendxx
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Hope you've had a good day SA.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Happy Sunday folks
Shame the weather isn't as glorious as it was yesterday but at least it's not raining.
Been AWOL a few days lost in the world of trying to get the dining room finished before we go on holiday. Plus sorting out the balance transfer. And then I tried to update from my iPad and it wanted my password - which I couldn't remember - so I'm on the laptop right now.
The floor is down and looks great - in fact shows up the floor in the living room but that's a job for another year not this one. The bookcase is here and is fab. I've ordered a table and chairs and a lamp table but won't be here until after holiday. Still need: some sort of open shelving for the alcove, floor lamp, curtains or voile, curtain pole, rug and doormat. This will have to be bought as and when.
So I now have debt on the Barclaycard to the tune of £2572.50 :eek: This covers clearing the Tesco card and with some money left over to buy a few more things for the dining room. 0% until April 2019 - intend to clear when I get the pension lump sum but will chip away at it in the meantime. I'm not proud of myself for getting back into debt, albeit temporarily, but what's done is done and hopefully I've learned something from it. A large portion of this has gone on the dining room and trying to get it finished - it's dragged on far too long and is costing more than anticipated but will look fab when it's finished. I'm trying to match it with my kitchen as it's linked via an archway so I'm trying to get oak and cream furniture.
So only 2 more working days until holiday and one of those will be a short day. Thankfully I've saved enough for the holiday spends and the euros have been ordered to collect on Tuesday. I ended up with £75 in my secret stash and Mr SA has managed to accumulate £30 for a pester fund.
I got a Groupon deal to have my gel manicure and pedicure £17 for both, which is a great price. Had them done yesterday afternoon in a nearby town about 4 miles away. It was nice to wander round somewhere different - I'm amazed Mr SA agreed to me doing this without him on a Saturday to be honest. The beauty salon I went to was a new start up at the back of a hair salon; the girl was very nice but to be honest I wouldn't have paid more than £17 for the treatment; she hardly had any colours to choose from and I haven't really got what I wanted. This is now the third time I've done a Groupon deal and been a bit disappointed.
Apart from the new debt, all the budgets are doing ok and a line has been drawn in the sand which I must not cross again.
Hope everyone is ok - now to catch up with diaries and see what you've all been up to.I get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
Afternoon SA,
Re the dining room I think youve done the right thing. You got a good deal on the furniture you had seen and you have a plan to pay it off :money:. Enjoy it!
£17 isn't a bad deal for both shellac but its nice to actually have a choice of colours!
Enjoy your holiday if I don't 'see' you before!!! xMummytogirls x0 -
You'll pay it off SA, at least it's on 0% and your dining room has a lovely floor and furniture. It's so easy to slip back into debt, but you've paid off much larger amounts in the past
.
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Cherryfudge wrote: »There's a quotation somewhere about raising a family whose idea of decorating is to add another bookshelf. That's my ideal!
US, have you been to Oxfam's online shop? They have loads of books including unusual ones. I think they put the best from all their charity shops online so they'll reach a wider market.
Cherryfudge thanks for the tip.
I have a fave Oxfam bookshop that I go to and they have always have an excellent selection of books in the SF/Fantasy section. However, they do know what they are selling and price them accordingly, more like a typical second-hand bookshop than a chazza iykwim... but they are almost guaranteed to have a book I am looking for when I am in...
Fave chazza for books is Cancer Research 2 for £1 paperbacks and hardbacks are £1 each
Have turned up quite a few bargains from there.
Sun Addict Not long now to your holibobs
Hope you have a grand timeBUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Don't be too harsh on yourself SA
Hope you have a lovely holiday
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Nearly happy holiday timeI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
I'm glad you're so pleased with your dining room SA. It will look lovely when the rest of the furniture arrives and you get the other bits. You've a good financial plan to pay for it all.
Not long to your hols now - and glad to hear that Mr SA has some cash in hand for his holiday pester fund!Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0
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