Mizmir's determined to get there diary

The_Dragon

okay still being picky! but nothing for clothing and £15 for haircuts per month?

mizmir

The_Dragon wrote: »

That's great, I don't want to be a nag but neither do I want you to be part the way to DF ness and suddenly get hit in the gut by a big unexpected bill!

Not a nag at all - you are quite right. That is why I have not cut things to the bone - I need to be realistic to have a chance of doing this. With this we have a good chance and it doesn't assume any additional income though in fact we have had at least a few thousand a year in extra work - and I am now working up the animal training part time too. So any extra can go against the debts - or indeed some into emergencies if needed.

mizmir

The_Dragon wrote: »

okay still being picky! but nothing for clothing and £15 for haircuts per month?

Clothes - we got to a threadbare point this month and went out and bought enough to be going on with! So I think we can manage with nothing more for a while at least. But will have to add that back in later in the year I think.

£15 haircuts - yep! We both go to the student union hairdresser every 8 weeks and it is £15 each - so £15 a month! Great job they do too!

mizmir

Have just applied for a barclaycard 6.5% life of balance card which if I get I can transfer my two high interest balances onto with no BT fee. Then will have everything on reasonable life of balance amounts and will be able to concentrate on paying them off!

Won't bring forward my DFD but will reduce my last payment by a couple of hundred quid

Fingers crossed.

The_Dragon

mizmir wrote: »

Clothes - we got to a threadbare point this month and went out and bought enough to be going on with! So I think we can manage with nothing more for a while at least. But will have to add that back in later in the year I think.

£15 haircuts - yep! We both go to the student union hairdresser every 8 weeks and it is £15 each - so £15 a month! Great job they do too!

ah right! I'll let you off on this one then :rotfl:

mizmir

Just checking back on my plan for the day:

• [strike]New SOA[/strike] Done!
• [strike]New budget[/strike] Done!
• Check comparison sites - still to do
• [strike]Check 0% credit cards[/strike] LOB card applied for - still considering the 0%s - but they all have BT fees
• Plan meals - still to do
• Find eBay stuff - ongoing - just listed some stuff on Amazon
• [strike]Mow lawn![/strike] Done!

Off to make dinner - will get back to it later.

hypno06

mizmir wrote: »

Hi hypno :hello:

thanks for dropping by!

How could I NOT pop into a new shiny diary!

mizmir

hypno06 wrote: »

How could I NOT pop into a new shiny diary!

Hope I can keep it up this time!

Making this weekend a big push on the DF front. Had been planning to have a day out at a dog show but the dog was in season so decided rather than go anyway (and spend money!) I would stay at home and get started. Has been a really productive day so far.

Tomorrow have a charity event plus, I am hoping, a client - so with luck I will be making a bit of money over the weekend. But in between it is going to be getting things in order. Have expenses to claim, store cupboards to sort, menus to plan and a 27 fling e-bay-boogie to do!

mizmir

OK - store cupboard dinner using stuff up rather than starting something new - but very delicious!

And have had my client confirmed so that will be £75 earned over the weekend (though will have travel expenses from that). :j

And have just started a new spending diary. Don't think OH knows what has hit her with new budgets and everything!

hypno06

OH will soon get used to it all!