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Horace's Biting the Bullet Diary

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  • Horace
    Horace Posts: 14,426 Forumite
    I think Sainsburys have been doing milk in bags for quite a while now. I can remember seeing some jugs for around £3 - why pay £3 when you can clean out an old milk carton and use that instead (it was a ltr size) plus milk jug.

    What was tight waddy about the jam - it was one of those mini pots and being a frugal beggar I can get 3 lots of jam out of it for bread and jam.

    Tomorrow I may have a cheese & tomato toastie with a side order of baked beans.

    A decision will have to be made tomorrow about my Amex card - do I pay £36 a month for 12 months and have much reduced interest or do I go onto regain and pay £1 a month and lose the card? My preferable option would be to pay the £36 a month as I do have working upcoming but not just yet. Sure it will leave me a bit skint but if I pay my other creditors a £1 then I should be able to manage it at a pinch.

    I have also been tinkering with my website and will be having a hard push to get sales converted from the click through ads, the more sales I get the more commission I get and that way I can be earning whilst doing nowt. I need to tinker with the other site and get that to a better condition (that is more of a blog) and can add ads to that too thus earning me money.
  • Horace
    Horace Posts: 14,426 Forumite
    I need to be a bit more focussed today, I know there will be disappointed people out there but the networking business will have to go on the back burner for quite a while because it is untenable at the moment and I don't feel as though I have the energy to push it forward.

    I have realised that what the counsellor told me yesterday was right as she identified I had low self esteem hence the communication problem. I spent the whole of last night mulling it over and various points in my life highlighted this self esteem business which has forced me into a vicious circle of depression/low self esteem etc. Now I need to fix myself.

    Today, will not be a day for procrastination I will do the following:

    Ring Amex
    Sort out those letters I have been trying to send off
    Do applications
    Ring Key Personnel - I will not be fobbed off
    Ring Katie Bard
    Ring Hays
    Ring the jobcentre
    Send emails to networking peeps advising them that the meetings will cease as at the moment they are untenable and thanking them for their support. I know the business can work but I don't have the energy at the moment and feel as though I am pushing a watermelon across a lake with my nose..sigh.
    Ring bank to let them know that I will have insufficient funds to pay my rent (that way I wont get charged).
    Ring Oddfellows about them wanting to take a double payment this month because they forgot to take a payment last month (this is my life policy that matures when I am 55).

    I think I might accept the £36 a month thing for Amex because although it will be a stretch I am viewing my situation as a temporary glitch.
  • I always say to my clients that the "mulling over" bit between sessions is important, so maybe see it as part of the whole process. The self esteem might be a good place to start exploring, because our self worth is so central to how we relate to others. How many sessions have you been offered?

    I need to write a to do list for today: marking (bah), cleaning (double bah) and ponying (hopefully not bah) :)

    Catch up laters xx
  • Horace
    Horace Posts: 14,426 Forumite
    I have been offered 6 sessions initially but there could be one or two after that by way of reinforcement.

    Today, I lost my temper with Key Personnel, I am so angry that I have written a blog article about my experience with recruitment agencies and which ones to avoid - this one is one to avoid, if they treat people who are trying to register with them so appallingly one wonders how they treat their clients? Their director is supposed to be calling me but I am not holding my breath and I have decided that I won't register with them at all - life is too short and I would most likely be dead by the time they found me anything:eek: (this is not a sign that I want to do myself in before you start getting worried).

    I did ring Katie Bard and they were over the moon that I was now available for work full time - I had previously worked for them from 1994to 1995 and I only stopped working for them after I had a car accident otherwise I would have carried on temping which I absolutely loved (I get bored easily so being a temp fitted the bill perfectly). It is likely that I could be working for them from Monday:cool:

    The mulling continues over the self esteem issues - I have identified when it first started as well which is a start - one wonders if it can be fixed because this is something that stems from being a small child. I need to start reminding myself that I am amazing which is easier said than done at the mo:D

    Millie - at least you have a lovely day for ponying:D
  • Wordsmith
    Wordsmith Posts: 1,164 Forumite
    Horace wrote: »
    I need to be a bit more focussed today, ... Today, will not be a day for procrastination I will do the following:

    Now, this is more like the Horace we know. Good on ya, girl.
    Horace wrote: »
    Ring Oddfellows about them wanting to take a double payment this month because they forgot to take a payment last month

    Note to self: do not speed read, then you won't assume that Horace is spending all her money on wine.
    Horace wrote: »
    I did ring Katie Bard and they were over the moon that I was now available for work full time ... It is likely that I could be working for them from Monday

    This is very good news indeed. So maybe you will be able to treat yourself to that wine I was assuming you were lashing back anyway.
    Horace wrote: »
    one wonders if it can be fixed because

    It can, of course, but will take monumental effort ...
    Horace wrote: »
    I need to start reminding myself that I am amazing

    ... which is a good start. And of course YOU ARE amazing.
    Horace wrote: »
    Millie - at least you have a lovely day for ponying:D

    I know three definitions of this word. I am assuming you mean the one that involves looking after your animals. :o
    "Green pastures are before me,
    Which yet I have not seen;"
    I'd love to be a good example - instead, I am a horrible warning.
  • Horace
    Horace Posts: 14,426 Forumite
    Wordsmith - I have 2 bottles of Wolf Blass that are 2003 vintage that have been sitting in my kitchen being turned each week that I have had for the past 6 years, I havent drunk them yet. I tend not to drink on my own as I am fearful that is the slippery slope to being an alcoholic:o

    I have procrastinated a bit but only a teensy bit - am formulating an email in my head that will be sent out to networking members today - Monday's meeting is off for the foreseeable future and so is the Tuesday one..no point really when I cannot afford the petrol nor the breakfast itself. Which reminds me I will have to return the £20 standing order that someone has paid.

    Some calls have been made - others not. Oh, how I wish I could pay for a skype licence and then I could call landlines but alas I cannot afford it. Need to call Amex too today and the bank.
  • Horace
    Horace Posts: 14,426 Forumite
    One email has been sent closing down the Bham group with immediate effect - I feel relieved.

    I have spoken to the Oddfellows and they cannot stop the extra payment so I shall have to accept another £16.10 to go out of my account this month because they are taking two lots this month after they boobed last month. I discovered the policy is due to mature in 10 years' time and if I surrendered it now it would be worth nearly £3K - they advised me of a pension that I had forgotten I had (it has been frozen for 15 years or so) that is currently worth around £4K and that is reducing but as I don't have a pension at the moment other than the frozen one at the uni it is best not to get rid of this.

    In other news,however, I have a meeting on Monday with another agency in Birmingham - this one is more professional than the Key Personnel twerps with a view to finding temporary or permanent work. This agency welcomes people who haven't be working for a long time or who are self employed and they are far more professional.
  • Horace
    Horace Posts: 14,426 Forumite
    I have spoken to Amex and they have allowed me some extra time to think about their care programme or regain - I need to call them back no later than 7 September.

    Regain means paying a lot less ie a pound a month but it will impact greatly on my credit rating.

    The care programme means I must pay £36 a month for 12 months at a rate of 9.9% and I won't have any cashback facility (I have that facility now), at the end of 12 months my credit limit will reduce and my facility will be reinstated. There is minimal impact on my credit rating with this.

    I feel as though I am a bit stuck to be truthful but at least I have a bit more breathing space and will have a clearer idea of what my situation will be when I have been interviewed by the temp agency.
  • beanielou
    beanielou Posts: 95,398 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Any chance that you could make £9 a week from babysitting,dog walking,ebaying or similar?
    Then you could do the care programme?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • bast
    bast Posts: 448 Forumite
    I thought you had some stuff you could ebay... I know you want to work and please Horace, respect to you, maybe now is the time to just think about anything, just to keep the wolves from the door, I only say this as someone who has done everything (within the law:) ) anything, to keep myself, family afloat... We are in such difficult times... :(
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