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  • FIRST POST
    • sashybo
    • By sashybo 2nd Jan 17, 10:55 PM
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    sashybo
    Sashybo - Back Again
    • #1
    • 2nd Jan 17, 10:55 PM
    Sashybo - Back Again 2nd Jan 17 at 10:55 PM
    Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE.

    Current debt now under 10K. This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago.

    I must admit we have slipped occasionally and had to do a couple of BT's etc as got into a bit more debt when we bought a new house & wanted shiny new things to go in it.

    Overall, things are headed in the right direction but now we have a new challenge as DH & I are expecting a baby in May.

    I only get 3 months full pay then 3 months half pay on maternity leave in my job & won't be able to go back full time as we both do shift work and there's no way to work childcare around the shifts we do (7 days in a row & many unsociable hours to boot). So we'll have to reduce the spending & batter the debt as will have a smaller income.

    So I've come crawling back - I find having a diary here does help to keep me focused and stop so much silly spending.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
Page 2
    • sashybo
    • By sashybo 9th Jan 17, 12:32 PM
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    sashybo
    Late lunch/early dinner went well last night and we all had a nice time. Didn't de-frost the freezer but will try and do that today instead.

    MIL away home. Was nice to see her but nice to have the house back to ourselves.

    Went to the chiropractor this morning but had to wait an extra half an hour because my chiro thought she started at 12 not 11. Met her just as I was leaving so went back in with her, at least I was seen straight away then. She wants to see me every month until the baby is born as pelvis is getting a bit unbalanced. Been going there for at least 10 years so trust her judgement.

    Usually only go every 3 or 4 months and can claim the money back through work but only get £120 per year on the company sponsored level so might need to increase my level and pay £15 out of my wage every 4 weeks. Need to work out if it's worth it, appointments are £35 a time though so may well be better paying the £15.

    Need to get some shopping done today and take my car to get washed. Will do that with DH when he gets back from the airport. Would like to get some weeding/tidying up done in the garden but it keeps raining and don't really want to get soaked.

    Got 2 more 0nepoll surveys today so only 50p left until cashout.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • Bobarella
    • By Bobarella 9th Jan 17, 12:35 PM
    • 10,472 Posts
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    Bobarella
    Gardening is on my list too. But it's foul here at the moment. Ah well.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 9th Jan 17, 5:55 PM
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    sashybo
    Hi Bob, yeah the rain just kept pelting down so no chance to get the garden done.

    Went out & got the shopping done and my car washed but still not de-frosted the freezer.

    When we came back with the shopping I went through 3 food cupboards & tidied them up so I know what we have and tried to group like things together. Also used up an ancient packet of orange jelly crystals & finally made jelly with it, added half a tin of mandarin segments as well.

    We had quite a few random sausages in the freezer so DH has de-frosted them and stuck a sausage casserole in the slow cooker. Hoping to have it with mashed potato later.

    Whilst he was doing that I did a quick tidy of the two walk in cupboards we have in the kitchen & re-organised them so things are easier to access. Waiting on my Christmas tree bag to put the artificial tree away tidily in one as well.

    Kind of hoping to see if I can fit some of our suitcases in the bigger cupboard as well as need to empty & reorganise wardrobes upstairs. Need to make a start on the nursery so need to clear storage upstairs.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • Bobarella
    • By Bobarella 9th Jan 17, 6:04 PM
    • 10,472 Posts
    • 69,775 Thanks
    Bobarella
    Yum to sausage casserole! We are on use it up pasta tonight. Just veggie with some cheese thrown on and a garlic bread. Cheap and hopefully filling.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 10th Jan 17, 5:11 PM
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    sashybo
    The sausage casserole was yum Bob , your pasta sounds good too. DH was already talking about how he will tweak the next sausage casserole by adding different veg etc. We had enough left over to stick a portion in the freezer so that will do one dinner another day. Also had some mashed potato left over so I will prob take that to work tomorrow to use it up as part of my dinner (back on late shifts).

    We had the jelly with mandarin segments and some ice cream which has been lurking in the freezer for ages and it was lovely.

    So today I finally de-frosted the freezer which was a pain in the a$$ but at least it's done and all clean and tidy now. Also got into the garden for 20 mins and managed to dead head and tidy up a bit before the rain started again. Still have the front garden to do though as couldn't face it in the pouring rain.

    Have planted some sweet pea seeds that MIL had sent up to us and will keep them warm in the bathroom for now as snow/cold weather predicted later in the week.

    Got our payslips through today (payday on Friday) and getting quite a good amount due to working through Christmas and New Year. Will have to work out what to pay off debt vs what we need to put aside for baby stuff.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • sashybo
    • By sashybo 11th Jan 17, 11:16 AM
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    sashybo
    Back to work today for 7 late shifts DH is on early shifts so won't really see him until next week, we will occasionally pass each other as he gets home and I leave.

    The wind has been pretty bad, fingers crossed work isn't a nightmare later.

    So far this morning I've hung a washing up and got my dinner sorted to take to work. Just had some breakfast and having a quick catch-up online and then will try to get some yoga done before getting ready for work. Really need to get back into 30 mins of yoga a day as always feel better for it. Obviously need to do amended stuff now due to my pregnancy but Y0utube is always good for a variety of yoga.

    Checked 0nepoll and have done another survey, only 30p until cashout.

    Forgot to mention yesterday that we also managed to strip the bed and wash the sheets so had nice clean bedding last night.

    The Christmas tree bag arrived in the post so I've moved the tree into it and put it back in the cupboard and it looks a lot better already. Have moved the suitcases from the wardrobe upstairs into the space created by using the bag and think it looks ok. Will see what DH thinks later.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • sashybo
    • By sashybo 12th Jan 17, 11:16 AM
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    sashybo
    First day back at work wasn't so bad but maternity trousers in the smaller size haven't appeared yet and normal trousers are getting tight. Had to resort to using an elastic band looped round the button & through the buttonhole. Hope the maternity ones arrive today, don't really want to spend money on trousers for work when I have to wear a uniform.

    Managed to do 20 mins of yoga before work yesterday so that's better than nothing.

    So far today I've done a bit of housework and had my breakfast. Will try and do some more yoga in a bit.

    Only 15p until cashout on 0nepoll now, remembering to check for surveys every day helps. Have been a bit lazy with my other surveys though.

    Daft Siamese cat has parked his big furry bum right in front of my keyboard & my big British has parked himself under the monitor stand and they are batting each other round the face. Not very easy to type with cat battles going on.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • sashybo
    • By sashybo 13th Jan 17, 11:44 AM
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    • 20,582 Thanks
    sashybo
    Payday today, so have managed to make a bigger PAD than usual (£40 rather than the usual £1) and have rounded my smaller loan down to £2700. This one has the higher interest which is why I'm padding to it first.

    Debt total is currently at £9225.45 but should go under 9k when the monthly payment for our bigger loan goes out next week (although will have to make a small overpayment to get it there).

    We also have a small 0% BT which is being paid off but only £150 left on that card now so it will be paid off with our next pay.

    Still to work out what to do with the extra money received in our pay this month but suspect it will probably be moved into a separate account to be used for baby stuff as we really need to start getting organised.

    Still no new maternity trousers at work, elastic band holding for now. Luckily can wear my own clothes to work at the weekend.

    Did a quick 15 mins of yoga yesterday but giving myself a break today as feeling very tired. 5 more shifts to go until 2 days off.

    No 0nepoll surveys today so still 15p until cashout.

    Need to shop around online for cat dental biscuits as just filled up the furry terrors' biscuit machine (feeds them automatically at the same time every morning - no more listening to the tortured wailing of 3 cats wanting breakfast ) and will need more in a week or so. We buy the dental biscuits as our oldest cat has really bad teeth and they seem to help but can be expensive.

    The snow was quite light here yesterday but had a big flurry in the afternoon as I was driving to work. Then it all went very icy by the time we were leaving work (11:30pm) & a lot of the roads hadn't been gritted. Just went slowly and got home without any drama, hope tonight is better.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • sashybo
    • By sashybo 14th Jan 17, 11:06 AM
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    sashybo
    Had a horrible stitch like pain in my side all day yesterday, don't know if it was nerve pain as it was the side the baby was fidgeting about at but was quite bad. Had a microwave heat pad in my locker at work so could use that to ease it thankfully. It's gone this morning which is good as was a bit worried about it & probably would have phoned the midwife triage line about it if it was still there. Will do that anyway if it comes back. Now a bit worried at my inability to deal with pain.

    Feeling a bit achey & my hip on the other side is sore today. On day 4 of late shifts so tiredness might just be catching up with me.

    Got another survey on 0nepoll so only 5p until cashout.

    Bought the cat biscuits online and topped up their wet food whilst I was at it so £40 down on that yesterday but it should last them around 8 weeks so could be worse for 3 cats. The biscuits will last longer as well becuase I mix some cheaper grain free biscuits through the dental stuff to try and make it last longer.

    Roads were a bit icy again yesterday but not as bad as the night before.

    Big fluffy cat sitting right in front of the keyboard again so having to practically rest my chin on his back so I can see the keyboard to type. He's proof-reading my post I think.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • Eager_Elephant
    • By Eager_Elephant 14th Jan 17, 11:43 AM
    • 4,403 Posts
    • 25,224 Thanks
    Eager_Elephant
    I always think of labour as positive pain - in that you do get something nice at the end of it


    Was just catching up from yesterday and was going to post about the cat biscuits but I see you have already brought them.


    I use Zooplus for my dog/cat food - they are an online company who sell all things pet related. I place an order every month. It is so much cheaper than anywhere else - I must be saving a fortune.


    Who do you buy from?
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • sashybo
    • By sashybo 14th Jan 17, 12:05 PM
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    sashybo
    Hi EE, that sounds like a good way of looking at labour. I'm trying not to think about it for now. It doesn't help that I work in an office full of men who like to try and wind me up with horror stories about their wives' pregnancies and labours. On the whole they do look after me though - they like to pretend they have manners by carrying bags for me. That's when they're not all farting at each other & blaming me. Do men ever grow up?

    It's Zooplus I use as well, great minds EE. Yes they are much cheaper and the food is better quality. Most of the tinned cat food I buy is German so I have little idea of what the labels say but the cats seem to like it. Can also get it delivered by DPD rather than Y0del (who like to chuck boxes fulls of tins over my 6 foot tall side gate ).
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • Eager_Elephant
    • By Eager_Elephant 14th Jan 17, 3:23 PM
    • 4,403 Posts
    • 25,224 Thanks
    Eager_Elephant
    I remember being told by my midwife that no one ever tells you about easy labours, everyone loves to tell tales about horrific labours and then you think it is the norm.


    I had my son at 15 (he is now 20) and I was petrified, my aunt had been in labour for 3 days and I had nightmares about it.


    Both my labours have been amazing, in labour with son for 7.5hrs and had gas and air, home the next day and then with my daughter (she is now 14yrs old)I was in labour for 3.5hrs and had gas and air. Home about 6 hours later.


    I don't actually want more children but I was told it is usual for labour to halve each time so if I had another I might not make it to the Hospital!!


    I don't mind Yodel although my last parcel came on different days (not sure why they weren't sent at the same time), neighbour said they would be out so left note on front door to leave behind brown bin (next to front door) but when I got home he had left it with the neighbour on the other side. I live on a very busy road and we might get 1 car a day stop outside our house to answer phone etc - no one is going to steal my dog food!!
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Bobarella
    • By Bobarella 14th Jan 17, 6:32 PM
    • 10,472 Posts
    • 69,775 Thanks
    Bobarella
    Sashybo - sorry OH is on opposite shifts. It's a pity to miss each others company. How often does he swap shifts?
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 14th Jan 17, 7:54 PM
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    sashybo
    That's reassuring to hear about labour EE, think some people kind of like trying to freak me out with bad stories of being in labour for days.

    Hi Bob, DH changes weekly on a Sunday so he will go on to late shifts next week & I'll be late shift Sun, Mon, Tues but change to early shift on Friday for 7 days again. We both have Wed & Thurs off though which is good. We're mostly used to it now after 5 years of both working shifts (I've pretty much always worked shifts anyway) but do miss catching up some days.

    Just a quick check in whilst on my dinner break, back to my desk shortly.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • sashybo
    • By sashybo 15th Jan 17, 12:49 PM
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    • 20,582 Thanks
    sashybo
    Have managed to pay an extra £2.50 off my loan today on top of my usual £1 due to a survey site one of the PADders recommended, 0pinion Outpost which pays out to your Paypal in £2.50 installments.

    Still 5p off my £40 cashout on 0nepoll, fingers crossed for a survey tomorrow. Also got a cheque for £50 through from one of my other survey sites which I wasn't expecting, didn't realise I had got to payout. Will probably pay half of that off the loan and put the other half into the baby fund when the cheque clears.

    Managed to get my ironing done before work yesterday and have also ironed the uniform shirts (both mine & DH's so 7 in total ) this morning. Apart from that today I've only had a shower as feeling tired again, though better after my shower.

    Need to buy a birthday card for one of the men in work as he was 40 yesterday but not in with us again until tomorrow. Our shift has collected some money so going to get him a helium balloon with a nice big 40 on it, a cake, a bottle of the vodka he likes (which was on offer ) & give him the rest of the cash to do what he wants with. We've had a lot of big birthdays in the last few years on my shift (mostly 60th & 65ths though ) so I like to make sure they all get a helium balloon with their age on it. Actually nearly forgot about this birthday although I knew about it. My memory is so bad right now. Thankfully someone asked him why he had the weekend off, so we've had enough time to collect money and get him something.

    Poor DH is feeling a bit down as has been working mostly 10 hour shifts this week. At least we will see a bit more of each other for the next few days. Talking to the baby & feeling it move about seems to cheer him up. For some reason it usually gets quite hyperactive when he touches my bump.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • Bobarella
    • By Bobarella 15th Jan 17, 8:19 PM
    • 10,472 Posts
    • 69,775 Thanks
    Bobarella
    Baby knows Daddy's there and can't wait to meet him
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 16th Jan 17, 11:17 AM
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    • 20,582 Thanks
    sashybo
    Yes Bob, I definitely think the baby recognises him. He got a few wee kicks last night as well.

    Nothing much to report today, should really clean the bathrooms before work but will see how I feel.

    Need to go and buy the 40 helium balloon and some milk for the house before I start work. Will try and bank my cheque too if I have time.

    Have done another couple of surveys but got kicked out of the only one on 0nepoll. Hopefully another one pops up later in the day so I can get to cashout.

    Need to start filling in forms for work to apply for a job share when I want to go back after the baby is born. Think it will be a bit of a fight as they don't like giving job shares and there's never been one in my job role before. Going to read up on family friendly policy etc and speak to union rep as well but feeling a bit worried about it. Unfortunately there's no way I can work 7 shifts in a row with a baby when my DH is also a shift worker but I do want to go back to my job.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • kirtsypoos
    • By kirtsypoos 16th Jan 17, 12:37 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Fingers crossed for your job share sashybo, I'm sure they won't want to lose you so hopefully common sense prevails.
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.500.00 (2017/2018 O/P £3491.79) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £3850.92/£4000
    • Bobarella
    • By Bobarella 16th Jan 17, 9:30 PM
    • 10,472 Posts
    • 69,775 Thanks
    Bobarella
    40 hellium balloons? Hope you don't get carried away like Up
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 17th Jan 17, 12:25 PM
    • 2,775 Posts
    • 20,582 Thanks
    sashybo
    Thanks Kirsty, hope so, thanks for dropping in. The boss above my manager has said they don't want to lose me, so hopefully they will agree to the job share. Just concerned they will try to move me into a different role on another shift where it's easier to get a job share partner. Will fill in the forms over the next few weeks & take it from there.

    Bob Don't worry it was only 1 balloon with the number 40 on it.

    Finally got to £40 on 0nepoll. Have cashed out so just wating for that to appear and will pay half to the loan and half to the baby fund.

    Looking for a new car at the moment and finding prices a bit appalling. Currently have a very small city car on PCP so need to get something slightly bigger with 5 doors. Can't really do without a car each as we both work shifts but don't want to be paying too much per month for my car as will be on mat leave & then a reduced income from job share.

    Also don't want to pay too much road tax etc. Think we'll be browsing the second-hand car dealers on our days off. Will need to start saving some money per month for things like MOT/Servicing/repairs as well if we go second-hand so that's another cost to think about.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
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