Prosperous soul in the making

jwil

Well done! Hope you get the balance transfer, even a smaller amount will help!

savingholmes

Well you will all be pleased to know that I took my parcels back to the post office and got certificates of posting so shortly should get around £94 refund form D3b3nhams. Hope it comes before payday.

A friend had one of my bottle lights today and loved it. Her bottle was a charity shop find but matched her room perfectly and I had added some bling...

The friend I was hoping to sell the cat jar to hasn't come back so don't know if it was too expensive for him I will still make some more of that one though as I really like it.

A different friend took me out for a chat and bought me a drink and some cake which was nice. She also gave me an old candle jar to upcycle..

savingholmes

Talked to a friend about how much we pay in debt repayment a month (although didn't tell her our total debt)... she was shocked but supportive. It's nice to have a "real world" rooting for you as well as online support. Interestingly one of the first things she said was that I needed to forgive myself for the debt... She's not wrong.... Why is the hardest person to forgive always ourselves....? Need to ditch shame.:A

In terms of savings for things later in the year things aren't going to plan. Will set up savings pots again when I get paid mid month. So I can have guilt free spends on clothes, presents, holidays etc but also see the impact more clearly if I "rob" the pot for a fritter spend etc. :money:

Still need to try FB selling too. Life feels soooo busy. My procrastination over sending parcels back is what worries me over Eb@y too - I don't want to miss out on sales because I don't send stuff off in time - but then I'm missing out on sales now by not even trying... Arghhh.... You know when you are frustrated with yourself but still struggle to change and breakthrough that invisible barrier... Need to forgive myself for being human.... :rotfl:

Small DFW things I do - almost always take lunch to work. Try to get shopping delivered so I can take stuff out of the basket and not get carried away. Try to avoid going shopping at all as it is temptation city for me - especially "bargain" shops.... Making craft presents instead of buying things.... usually cheaper even than flowers and much more meaningful. :T

So financial plan for this week:
Continue to take in lunches
Try and get DH to take in lunches too
Still need to do tax form for both of us
Make myself list somethings on FB (have done via friends just not formal group yet)

MIL has said, 'Don't splash out for mother's day." :j I will follow her direction and give her and her friend something I have already made. She is coming over for sunday lunch and bringing a friend - so just the cost of ingredients. Still need to do something for my Mum but think I have M00npig credit left so can send her a card that way and expect to see her at Easter. Probably should tell her we are coming... :rotfl:

jwil

If you set up a 3 day dispatch on eBay, it will give you a bit of breathing space. I have this, though mostly post the next day. I print my postage at home and take it to the delivery office where they stamp my proof of posting. No queuing at post offices and I can drop off any time between 7am and 6pm.

savingholmes

Thanks Jwil I will look into that.

Today a friend gave me a £10 note in a card to give away / invest as a seed for £10K that she is believing that I will receive. :AShe told me she was going to a couple of weeks ago I just haven't seen her since.

Today DH got offered an interview next week :jfor a new job which if he got it - he's asked for a £10K pay rise for - he works for a charity and that's about how much he's underpaid. Definitely hoping and praying for success for him through that method or some other means. It would really take the pressure off me and mean we could give DS what he needs, repay debt and still have some money for luxuries / fun.

savingholmes

savingholmes wrote: »

The friend I was hoping to sell the cat jar to hasn't come back so don't know if it was too expensive for him

He has sent me a message saying he does want to buy it for £8. :jSo happy and excited again. The person I sold to at work - has kept her bottle light on her desk so everyone has been admiring it too and giving me positive feedback. So since I am awake anyway - I will now try and make myself list some more things on FB - but this time on the buy and sell page and not just my own...

savingholmes

So I've took the plunge and listed 7 glass craft tiems on a local FB group. Probably didn't set it out right but hopefully will still work. Now to see if I get any takers... It's like letting my babies loose on the world... scary!!

jwil

Good luck to DH with the job and fingers crossed for some sales

savingholmes

Guy picked up the £8 craft candle jar today and seemed pleased with it. :j

I think I have been accepted for at least some of the balance transfer as my bank have said a direct debit payment has been set up. Not had any details through yet though so don't know whether they let me transfer the whole amount I wanted or not. If they did at such a low APR for 37 months it would be amazing... I think the longest I've ever had before tarting between cards I already had was 20 months - and usually at 3% not 1.89%.... Here's hoping they honoured the rate....

Good news OH's suit fit him whereas he was worried that would need replacing. :)Had to get him some smart shoes. He doesn't need them in his current job and he threw his last ones out as they were too uncomfortable. Managed to get some for £30 at TK M@xx that look smart. Got him a couple of new shirts too - although I will encourage him to try what he has already before opening the pack. Unfortunately though he's put on weight recently so some of his formal shirts are a bit tight. Got 10% off though as DS has a colleague discount card.:cool:

I've had an email saying £52 of items received and refund on the way. I should get that back in the next 3-5 days. :cool: I sent the stuff back in 3 different parcels. Still waiting on the rest.

savingholmes

Need to spend today decluttering and tidying up ready for MIL and her friend coming tomorrow. Did manage to get some reduced price items at M&S which was a bonus. Unbelievably lamb was a better price than at T3sc0.

Think need to list items on FB individually if they are to sell. If I can't sell them there need to go back to the idea of a craft stall or Etsy but was hoping to avoid post and packing.