My DFW to DF Diary

_Dolly_Rocker_

November Debt Payments
£267.00 - MBNA - 02112023
£302.00 - SBCC - 02112023
£139.00 - Very
£158.00 - Tesco CC - 13112023

_Dolly_Rocker_

Dropped off the insurance claim form at the vet today for Baileys cut paw so hopefully they don't take forever to pay that out. 

That will go towards paying for my decorator who is painting my living room and hall with the white paint that I can wash. 

Swear these muddy wee dogs cost me a fortune! Totally worth it though. 

I've got 2 debt payments outstanding this month, just waiting for a couple of my dog walking clients to pay for Octobers walks and that will cover both of those payments. 

Really need to sit and think about Christmas and the budget for that, don't want to spend any more on CCs. 

Really need to break these habit once and for all. 

_Dolly_Rocker_

Hello!

So I was away for a week with the dogs so it's been quiet on here. Didn't take the laptop with me and tried to stay away from my phone as much as possible. 

Apart from the fact I was loaded with the cold and had conjunctivitis I really had a fab time. 

I feel I spend so much time running from A to B with 2 dogs, 2 jobs and a family who think I'm their personal chauffeur I rarely get a minute to myself so was so good to just chill.  

_Dolly_Rocker_

13th November 2023 - To Do

• Work
• Walk Bailey and Luna x3
• Walk Winnie 
• Walk Furio
• Sympathy card for neighbour
• Gas meter reading
• Pay painter and decorator
• Pay deposit for laser treatment
  
• Check for Amazon refund
• Rearrange parcel delivery to Post Office
• Check for Bailey insurance claim
• Check bank balance
• Check purse for any remaining pennies
• Housework
• Laundry
• Chill

Jeez that's some size of list!

_Dolly_Rocker_

_Dolly_Rocker_ said:

November Debt Payments
£267.00 - MBNA - 02112023
£302.00 - SBCC - 02112023
£139.00 - Very
£158.00 - Tesco CC - 13112023

So made payment to the Tesco CC this morning but still need to get the Very payment made and I am down to pretty much zero in the bank. 

I'll have some dog walking money coming in so will pay it in dribs and drabs this month. 

Main thing is it will still get paid!

_Dolly_Rocker_

Lifetime ISA 
So I opened my LISA in March 2023 just before I turned 40 - I paid in £200 a month but then decided to withdraw early to pay off a CC. 

I still think that was the best decision but I've just sat and worked out how much I am planning to save between October 2024 (when I am DF) and March 2033 when I am 50. 

Want to try and aim for the maximum per year so I can get as much in my account for retirement as I can!

It's doable! Feeling a bit better now that I've sat and sorted it all out. 

_Dolly_Rocker_

14th November 2023 - To Do

• Work
• Walk Bailey and Luna x3
• Walk Winnie 
• Walk Millie
• Walk Sam
• Gas meter reading
• Pay painter and decorator
• Check for Bailey insurance claim
• Check bank balance
• Check purse for any remaining pennies
• Housework
• Laundry
• Chill

_Dolly_Rocker_

Just the dogs out for about 1hr 20 mins in the pouring rain. 

Sitting with a coffee now to heat myself up and back to work. 

List sorted again for today and hopefully I'll get through it all this time. 

Gonna check emails for any surveys, see if I can get some more pennies in for my goals!

_Dolly_Rocker_

14th November 2023 - To Do

• Work
• Walk Bailey and Luna x3
• Vet with Luna
• Gas meter reading
• Check bank balance
• Check purse for any remaining pennies
• Housework
• Laundry
• Chill

_Dolly_Rocker_

My little love Luna cut her paw last night so we're off to the vet at 1pm. 

It's quite a gash so it's gonna need to be stitched so I'll need to fork out for that then claim insurance again later on. 

I've still not got the money back from Baileys claim yet!

Honestly people smashing bottles deserve a special place in hell.