Working Hard Debt Diary - Here goes

beanielou

Are you able to use your conservatory in the winter?
I cant use mine as its too cold

firesidemaid

if u have to get your sofas then i would wait for january sales and then haggle too - i have got a further 20% off in mfi before just for asking.

the other option is to get it on 0% in somewhere like dfs, where you would only be paying £20-odd per month for the 2 x

WorkingHardDFW

Hi thanks for the comments all

Yes we are definately going to wait until the jan sales - it makes sense - we just have to hold strong between now and then with Christmas coming up.

We can use the conservatory in the winter. We've got a couple of heaters in there which make the difference however if were not using it for the next couple of months the heaters wills stay off to reduce costs

dawnybabes

Could you claim on the house insurance for the damage the dog did ? I think ours covers pet damage ???

WorkingHardDFW

Thats a really good point - I will check it out - fingers crossed!?!

WorkingHardDFW

Hi I checked out our insurance and a dog chewed sofa is a no go unfortunately....worth a punt though i feel.

Onwards on the debt busting - having a real ebay listing week this week in an effort to raise funds and have a clear out...

firesidemaid

on the dog-chewing front........

we normally never pay for any insurances/extended warranties etc at anywhere including argos, but we have a dog who used to like chewing the sky gadget (and inevitably the one time we forgot to put it out of the way:rolleyes:).

so when we went to buy another in argos (£19.99, remember this was before i discovered mse) we enquired if the £4.99 insurance covered pet damage and they said yes. so we bought the insurance and when the dog ruined it again we claimed one for free! fortunately, he has grown out of it now - too busy snoozing;).

have you tried leaving them chew toys/bones/kong-type things at all? i know dogs always want to chew the stuff they're not supposed to.

talking of which, i don't know how you feel re. quality vs price when it comes to sofas for the conservatory, but argos have got sofas from £125 and they have the spend £100 get a £10 voucher on at the mo/soon. plus quidco have got free delivery code plus a little cashback x

WorkingHardDFW

Hi Firesidemaid

We've tried the dog chews etc stuff but he just likes to chew (he's one)!!

we've now taken the step of leaving him outside in the shed (complete with doggy door) during the day/night and only letting him in when we are around. This should hopefully sort the furniture damage out!

I'll bear the Argos insurance in mind when we get to the point of actually replacing the sofa's...

WorkingHardDFW

Before I reflect on my year anniversary as a DFW I'd just thought I'd share the fact that I've just cleared my MBNA card in its entirety with my loan fund. The fund was standing at £1200 today so that and some of the usual monthly payment was paid across today to clear the balance in full.........:j :j :j What a feeling it is when a debt is cleared.

Next I'll be writing a CC cheque for £2262.78 to clear the Cahoot loan onto the MBNA card. This will then be cleared with a BT cheque on the above MBNA card to then be cleared with by the end of the year. It does make sense honest!!!

Gosh its a fab feeling clearing a card in any way shape or form.

It made me laugh that because we are such good customers they've increased our credit limit :rotfl:

hypno06

That is fantastic news - shows that everything is coming together!

Well done you, enjoy that feeling and push on with the debtbusting :j