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  • FIRST POST
    • RosaBernicia
    • By RosaBernicia 18th Jan 13, 11:19 PM
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    RosaBernicia
    Balancing not just the budget
    • #1
    • 18th Jan 13, 11:19 PM
    Balancing not just the budget 18th Jan 13 at 11:19 PM
    Well it's been more than a few months and I seem to still have more than a few questions, so I think it's time for a new thread

    (The old one is here http://forums.moneysavingexpert.com/showthread.php?t=3629199)
    Last edited by RosaBernicia; 18-01-2013 at 11:32 PM.
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


Page 3
    • RosaBernicia
    • By RosaBernicia 30th Mar 13, 10:00 PM
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    RosaBernicia
    Moaned at Primu5 who have said er, ah, oops, and promised that I'll get a refund shortly.

    My N0ddle credit report has gone up a notch which is nice but a bit odd because they seem to have misplaced the balance transfer I sent between one card and another - both only seem to have the lower total on the report Also v pleased to realise that after I return a couple of things my expensive card should drop below 3K the other one isn't but that's low life of balance so better.

    And am a bit taken aback to realise how much petrol is costing me. Going to have to try and get that down.

    Bought a couple of presents today but both easily covered by the fund and transferred straight back to the current a/c. Also a sweatshirt for a whole 5 in charity shop so not busting the clothes challenge too badly just yet (I'm not going to count gym clothes, but this was just for wearing at home so has gone on the general total).


    In other news have reshuffled furniture, decided to get rid of one of the sofas, dealt with the patches of mould I discovered in the corners while furniture shifting and decided I might have a go at making a cover for my futon rather than paying for one. After all, I have a sewing machine sitting idle and it's only basically a bag so can't go all that wrong.

    Managed to get a couple of things dried on the line today so hoping it will be OK tomorrow too. This flat is too small to have the drying rack out constantly, it drives me bonkers :/

    Going walking with friends on Monday so that will be good


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • RosaBernicia
    • By RosaBernicia 13th Apr 13, 10:53 PM
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    RosaBernicia
    Ooops long time no post!

    I been busy

    I've been to the gym!!

    Had my assessment and got sorted with a programme from one of the instructors, and have been several times now. It's taking me nearly 2 hrs but that's OK, it's doable 2-3 times a week and I am already noticing a difference. I'm also trying to be a little more careful with what I eat and to only eat when I'm actually hungry - with me that makes my eating patterns a bit random but will persevere. I also need to try and drink a lot more as I do forget.

    I'm continuing the big spring clean and just need to get the local furniture charity to take the sofa away so I can reshuffle things more. Haven't got any scanning done yet but if I can get the boxes moved I can do it gradually and not have to feel guilty about them blocking up the place.

    Moneywise things are going OK as I got my acting up back pay and also some travel costs for the scary interview (despite claiming late, so that was a bonus). I'm holding 225 aside for the dental work that I still haven't booked yet - really must do that, it's a complete pain that they only answer in work hours as work has been a bit mad and I never get the phone calls done. Really must sort that and the sofa removal. Anyway despite minor splurges on spring cleaning related bits I appear to have about 120 left for the 11 days to payday. Am just hoping I haven't forgotten something, but I have been very good and tracked it all in my spreadsheet so hopefully it will be OK. No big plans for the weekends or anything, just more tidying so am hoping I may even manage to shave a bit more off the OD.

    Oh yeah and the other minor splurges have been gym clothes, but they were TK Maxx anyway. Except for the sports bra which is effectively 10% off with the Brav1ssimo loyalty scheme. And I got matching shorts from Ebay.

    There's a possibility of a job to apply for as ones relating to my current type post should be advertised very shortly. Really hoping will turn out to be another grade up and I do think I would have a good chance at it. Also got feedback from scary interview and although I missed the minimum score, I do think I should be able to hit it on another go next year. So options available

    Oh, and I met a rather gorgeous man through work - no idea if he's single or not, but it's fab just to be reminded that fit and lovely men do exist. I thought he'd turn out to be way younger than me but found him on LinkedIn and he's not Should manage to see him at some future meetings too so cross fingers everybody please


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • vasseur
    • By vasseur 13th Apr 13, 11:06 PM
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    vasseur
    Everything crossed here for you Rosa it does make the working day so much more interesting when there's a bit of male totty on the horizon

    How is your futon bag going? I've recently brought my sewing machine out of retirement and have made a cushion cover so far. Basic but I'm quite proud of it. Hoping to progress onto curtains soon....I was like a kid in a sweet shop the other day when I found a gorgeous fabric shop
    It's not how far you fall - it's how high you bounce back....
    Happiness is not a destination - it's a journey
    • lionheartedgirl
    • By lionheartedgirl 13th Apr 13, 11:12 PM
    • 915 Posts
    • 3,265 Thanks
    lionheartedgirl
    de-lurking to say hello! I've been reading but not posting - sounds like lots of lovely things are going your way. and will definitely keep everything crossed re the man

    hope the mogs are well
    Never sit in the comfy chair - Jake Humphrey
    • RosaBernicia
    • By RosaBernicia 13th Apr 13, 11:29 PM
    • 3,449 Posts
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    RosaBernicia
    Everything crossed here for you Rosa it does make the working day so much more interesting when there's a bit of male totty on the horizon

    How is your futon bag going? I've recently brought my sewing machine out of retirement and have made a cushion cover so far. Basic but I'm quite proud of it. Hoping to progress onto curtains soon....I was like a kid in a sweet shop the other day when I found a gorgeous fabric shop
    Originally posted by polesalot

    Thank you you're right, it has brightened up my day no end. I don't work directly with him either so don't have to worry about any potential issues there. I actually met him a week or so before I really registered how cute he was as he joined my boss's workgroup at a meeting - I thought 'blimey, he's far better looking than I expected for the geeks I work with' and then got distracted with work stuff. The next time I met him he walked me to the meeting room despite being busy sorting out something and I thought, he's lovely as well as cute and smart and having fab shoulders...

    The futon thing hasn't really gone anywhere yet as I need to get the dratted other sofa out before I'll have space to work on it. That's too heavy for me to move as it has a metal sofabed mechanism in it, so I can't really just put it out for the council. But I have been looking at fabrics and ordered a couple of samples today. I don't think the standard fabric bolt will be wide enough to cover a double futon mattress, so am thinking of having a kind of panel down the middle with a pattern and then panels at either side in a toning solid colour. I think that should still be fairly simple as it only means sewing the edges together, and I can just close it with velcro. Was in Hobbycra5t today and picked up an organiser box for threads, plus I got a sewing book from the library - so tomorrow I must clear some paperwork off the kitchen table and make room to get the machine out for a bit of practice. I keep looking at the courses locally but they just seem SO expensive - I mean, 60 for a day making a cushion? I can curse the machine and phone my mum for free


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • RosaBernicia
    • By RosaBernicia 13th Apr 13, 11:32 PM
    • 3,449 Posts
    • 9,043 Thanks
    RosaBernicia
    de-lurking to say hello! I've been reading but not posting - sounds like lots of lovely things are going your way. and will definitely keep everything crossed re the man

    hope the mogs are well
    Originally posted by lionheartedgirl

    Thank you

    The mogs are well - that is, big mog is well but in trouble today for both bullying little mog and jumping on the worktop. Little mog's sensitive tum still isn't sorted but she's well in every other way so am not too worried about it. She's finally grown her coat in so you can't see where the mats had to be cut out, and although she's still a nervous wreck she's a very funny sweet little cat.

    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • kerri gt
    • By kerri gt 14th Apr 13, 11:25 AM
    • 6,977 Posts
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    kerri gt
    Have you thought about advertising the sofa you want to get rid of on Freecycle Rosa? that way it can go to a good home, and you won't need to pay for someone to collect it. x
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • lionheartedgirl
    • By lionheartedgirl 14th Apr 13, 1:42 PM
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    lionheartedgirl
    Normal bolt sizes used to be 48" or 60" which is a pain for upholstery - but sometimes Ikea and the like go much wider. Not sure if you have any markets or fabric warehouses near you but if you don't mind plain/neutral colours you may find something that will suit.

    60 is a joke for a course to make cushions! I saw a course to make frilly knickers for 40 and I thought that was a bit steep (and I know which I would prefer ). I reckon an afternoon of screeching will see you right - is there anything on youtube re. a tutorial?
    Never sit in the comfy chair - Jake Humphrey
    • RosaBernicia
    • By RosaBernicia 14th Apr 13, 8:06 PM
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    • 9,043 Thanks
    RosaBernicia
    Have you thought about advertising the sofa you want to get rid of on Freecycle Rosa? that way it can go to a good home, and you won't need to pay for someone to collect it. x
    Originally posted by kerri gt
    Ooh, that might be a plan, thanks. Will have a think about it if the furniture place don't sort it soon. Would still need two people to shift it though.

    I'm a bit uncomfortable with strangers coming to the house tbh . I'm visibly on my own, no dog and no alarm, and feel a bit more vulnerable than I did when at least it looked like bloke flatmate was around. I know it's really just paranoia but being careful about my safety has paid off through all the years that I lived in dodgy bits of the city! Only really realised this when I was debating what to do about stuff that would need to be collection for Ebay, and decided worrying about it wasn't worth the money. So those things are going to the charity shop next month and when I do get round to Ebay it will be the postable stuff.


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • RosaBernicia
    • By RosaBernicia 14th Apr 13, 8:10 PM
    • 3,449 Posts
    • 9,043 Thanks
    RosaBernicia
    Normal bolt sizes used to be 48" or 60" which is a pain for upholstery - but sometimes Ikea and the like go much wider. Not sure if you have any markets or fabric warehouses near you but if you don't mind plain/neutral colours you may find something that will suit.

    60 is a joke for a course to make cushions! I saw a course to make frilly knickers for 40 and I thought that was a bit steep (and I know which I would prefer ). I reckon an afternoon of screeching will see you right - is there anything on youtube re. a tutorial?
    Originally posted by lionheartedgirl

    Hmm, I could organise an Ikea trip but it does run the risk of spending more on all the other things . Mum used to know some cheap fabric places but I think it shut down as a lot of them were losing out to online. I only really want something plain as I'd like it to last ages - I'm assuming that even if I move again I can keep the futons for a spare room.

    I picked up a dummies guide to sewing machine in the library so will read through that and phone mum if I get stuck!

    Frilly knickers making does sound much preferable. I quite fancy having a go at dressmaking too, but need to start with the easy stuff first


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • kerri gt
    • By kerri gt 14th Apr 13, 8:39 PM
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    kerri gt
    Ooh, that might be a plan, thanks. Will have a think about it if the furniture place don't sort it soon. Would still need two people to shift it though.

    I'm a bit uncomfortable with strangers coming to the house tbh . I'm visibly on my own, no dog and no alarm, and feel a bit more vulnerable than I did when at least it looked like bloke flatmate was around. I know it's really just paranoia but being careful about my safety has paid off through all the years that I lived in dodgy bits of the city! Only really realised this when I was debating what to do about stuff that would need to be collection for Ebay, and decided worrying about it wasn't worth the money. So those things are going to the charity shop next month and when I do get round to Ebay it will be the postable stuff.


    Rosa xx
    Originally posted by RosaBernicia
    I know what you mean, I sometimes feel a bit iffy giving out my address for freecycle - do you have a male friend that could be around when the sofa is collected perhaps - he could bring some shoes to leave by the door and perhaps a couple of tops to leave around the place if you want to make his presence really convincing .
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • RosaBernicia
    • By RosaBernicia 14th Apr 13, 8:58 PM
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    RosaBernicia
    Hm, maybe. Or maybe I should just get on with finding myself a boyfriend

    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • kerri gt
    • By kerri gt 14th Apr 13, 9:06 PM
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    kerri gt
    Hm, maybe. Or maybe I should just get on with finding myself a boyfriend

    Rosa xx
    Originally posted by RosaBernicia
    Perhaps ask the cute guy at work?

    Good luck with sewing the futon cushion - knickers do sound more fun but would deff have to be a large pair of bloomers to cover a futon Would love a sewing machine myself, esp for some of the pole costumes I do, but they can be so expensive I don't know if I can justify the cost.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • katejo
    • By katejo 14th Apr 13, 9:16 PM
    • 3,057 Posts
    • 1,175 Thanks
    katejo
    I know what you mean, I sometimes feel a bit iffy giving out my address for freecycle - do you have a male friend that could be around when the sofa is collected perhaps - he could bring some shoes to leave by the door and perhaps a couple of tops to leave around the place if you want to make his presence really convincing .
    Originally posted by kerri gt
    I know what you mean but I have given a fair number of items away via Freecycle with no problem. i am usually on my own when the item is collected. I don't give my address until I have made a definite offer to someone.
    • RosaBernicia
    • By RosaBernicia 14th Apr 13, 9:20 PM
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    RosaBernicia
    Perhaps ask the cute guy at work?
    Originally posted by kerri gt
    Working on it


    Good luck with sewing the futon cushion - knickers do sound more fun but would deff have to be a large pair of bloomers to cover a futon Would love a sewing machine myself, esp for some of the pole costumes I do, but they can be so expensive I don't know if I can justify the cost.
    Originally posted by kerri gt
    I'm rather justifying mine after the event . I got mine a couple of years ago mainly using birthday money and it was a good deal for that machine at 180. I basically wanted to be able to make curtains etc once I found out what they cost on the high street! so I figured it would save money over its lifetime. It's had no exercise in the meantime as I got distracted with work, masters etc but now I have the time it makes sense to get onto it.


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • kerri gt
    • By kerri gt 14th Apr 13, 9:27 PM
    • 6,977 Posts
    • 49,128 Thanks
    kerri gt
    I'm rather justifying mine after the event . I got mine a couple of years ago mainly using birthday money and it was a good deal for that machine at 180. I basically wanted to be able to make curtains etc once I found out what they cost on the high street! so I figured it would save money over its lifetime. It's had no exercise in the meantime as I got distracted with work, masters etc but now I have the time it makes sense to get onto it.


    Rosa xx
    Originally posted by RosaBernicia
    I can sew quite well / neatly by hand but a machine really would be handy for things like when I re-stuffed the three cushions on the back of one of our sofas, was such a pain stitching them back up after when a sewing machine would have done the job in a jiffy. Even having a maxi dress shortened last year at a dry cleaners irked me as I could have easily done that on a machine at home. Perhaps I'll have to start putting some pennies away each month and save up for one.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • RosaBernicia
    • By RosaBernicia 14th Apr 13, 10:37 PM
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    RosaBernicia
    OK well the spring clean is still going

    Have shredded a carrier bag full of old receipts plus all the non-needed ones that were cluttering the kitchen table. Also did a bit more tidying, mended a storage box and cooked properly for the first time in ages (haven't quite got sorted for both cooking and gym, need to get that better organised) so have lunch for tomorrow too.

    Spent quite a bit in town today as I bought another gym top and stocked up on Lu5h basics. Also had to replace the headphones for my phone. So not so much of a buffer left for the month but hardly moaning.


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • vasseur
    • By vasseur 15th Apr 13, 8:55 PM
    • 3,055 Posts
    • 9,881 Thanks
    vasseur

    Good luck with sewing the futon cushion - knickers do sound more fun but would deff have to be a large pair of bloomers to cover a futon Would love a sewing machine myself, esp for some of the pole costumes I do, but they can be so expensive I don't know if I can justify the cost.
    Originally posted by kerri gt
    1kea do a sewing machine for 60. I bought mine about 18 years ago for 125 so I thought the 1kea one was quite good value. It has all the bits you'd need on it.
    It's not how far you fall - it's how high you bounce back....
    Happiness is not a destination - it's a journey
    • vasseur
    • By vasseur 15th Apr 13, 8:59 PM
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    • 9,881 Thanks
    vasseur
    Rosa you could buy a king size duvet cover in material you like for the futon. Was thinking Wilk0s as they are good value in there. Would there be enough material there?
    It's not how far you fall - it's how high you bounce back....
    Happiness is not a destination - it's a journey
    • RosaBernicia
    • By RosaBernicia 16th Apr 13, 9:54 PM
    • 3,449 Posts
    • 9,043 Thanks
    RosaBernicia
    Rosa you could buy a king size duvet cover in material you like for the futon. Was thinking Wilk0s as they are good value in there. Would there be enough material there?
    Originally posted by polesalot
    Ooooh you are a genius!

    I'll measure it up but I think the double duvet pretty much drapes over it so a king size should do. And there's a Wilko's near work. Will investigate


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


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