Superpap's positive mutterings about debt/savings...

beanielou

Whats gesso?

postingalwaysposting

beanielou wrote: »

Whats gesso?

Beanie ~ Gesso, its basically a primer for canvas to accept acrylic paint. However I use it for just about anything from mixing with normal acrylics, to priming journals/books, to painting over photos then scratching into them and my fave using normal text books and tearing the pages out to alter :rotfl:The only way I can describe it is very runny white paint :rolleyes:

postingalwaysposting

Right a few changes, I managed to get the money I lent mum into the bank and therefore processed my stampin up order yesterday. Managed to spend only £38 too :j and thats with postage. So as its pay day on wednesday this is my final soa I havent got a bus card on there as I still have 10 journeys untouched.

income ~ £630 (after the whole loan and tax/ni/pension)
£175.00 ~ rent
£5.00 ~ internet
£12.00 ~ house ins
£25.00 ~ locked saver
leaving ~ £413 (for argos/xmas gifts/postage)

So its time to think about the dreaded christmas ~ again. So the list of people I need to buy for are/the prices I am willing to spend/what I have etc
Mum ~ £50 ~ necklace and yankee candles
Sister and brother in law ~ £50 ~ £40 voucher and £10 bits
Brother ~ £35 ~ £30 voucher and £5 bits
Mums boyfriend ~ £20 ~ £10 voucher and £10 bits
Work ~ all getting bags of cards so technically £0
Work ~ lyn and kids, approx £20

I also have my brothers 21st on the 20th december. I am totally stumped with that one :rolleyes: will be spending around £50 on that.

So total for birthday and christmas' ~ £225 :eek: Ok not too bad but I still have mums bed to pay for. Going to look in the special occasions board and try and make my money go a little futher, so we shall see

x_raphael_xx

postingalwaysposting wrote: »

I also have my brothers 21st on the 20th december. I am totally stumped with that one :rolleyes: will be spending around £50 on that.

For my brothers 21st I got a champagne glass engraved, and a small bottle of champagne in a gift box. Can't remember the cost thou about £25 I think.

postingalwaysposting

Thanks raph, i was going to do that but my sister is onto all that so no doubt he will get that from her. I had about 4/5 when I turned 18 and 21. Gave half of them away :rotfl: So dont really want to do that. I was thinking of a watch and getting it engraved

Ok pay day got lots more than I thought... even paying back the loan from work. I think working the stocktake helped. So I can definatly do christmas this year :j I have also taken the money to cover mums bed out of my isa and I did spend a tiny amount so once that clears I will pay that off. That means I will be totally debt free. Again! :rotfl: It also means there will only be the £200 left on the card that my brother has used.

So yeah thats me :T

slowlyfading

Yaaay sounds great! x

x_raphael_xx

postingalwaysposting wrote: »

Thanks raph, i was going to do that but my sister is onto all that so no doubt he will get that from her. I had about 4/5 when I turned 18 and 21. Gave half of them away :rotfl: So dont really want to do that. I was thinking of a watch and getting it engraved

Engraved watch sounds good pap!
How is your brother doing with his money? Is he more wise after his jaunt into the big wide world

beanielou

Watch sounds a good idea PAP.

postingalwaysposting

I think thats him sorted, only problem is I will have to do some 'proper' shopping :rotfl:

raph, :rolleyes: not well he owes mum £100's, me £200 and he has one loan, one credit card and an argos card maxed (that I know about). He is starting to suffer now though as he is always skint the day after payday because he is paying everyone off :rolleyes: So he is trying to pay it all back asap :T However that doesnt stop him shopping :mad:

Ok I have a date for going part time, november the 3rd, if it sticks :rolleyes: That means december will be my first p/t wage. So I need some type of challenege to stop me spending. I am thinking of a year living on x amount from November 1st, but I will need to work it all out. Day off today and aside from sitting here and doing nothing I have to get ordering my xmas gifts :rotfl:

barnaby-bear

postingalwaysposting wrote: »

Thanks raph, i was going to do that but my sister is onto all that so no doubt he will get that from her. I had about 4/5 when I turned 18 and 21. Gave half of them away :rotfl: So dont really want to do that. I was thinking of a watch and getting it engraved

Ok pay day got lots more than I thought... even paying back the loan from work. I think working the stocktake helped. So I can definatly do christmas this year :j I have also taken the money to cover mums bed out of my isa and I did spend a tiny amount so once that clears I will pay that off. That means I will be totally debt free. Again! :rotfl: It also means there will only be the £200 left on the card that my brother has used.

So yeah thats me :T

make something unique but lasting? We got given a plate which evryone at our anniversary party signed which was then fired
http://www.flyingsaucers.co.uk/
and bonus trip out for you