In the nick of time

I'll focus on the positives.... PAYDAY tomorrow. The monthly budget will be worked out. hopefully it will be positive. We have Airbnb all weekend and a new booking for next weekend. We even had a call from beds for builders although we couldn't accommodate.

My husband is a fairweather friend to some (not me), ok that's harsh.... (our guest may be guilty of over sharing and being needy) and we've only just met.

my elderly mother has had a mostly positive outpatient hospital visit.
my daughter has had an allergic reaction in work. they sent her by ambulance to hospital.. she's ok and was discharged after 2 hrs.
my friend son in law was on his motorbike this am and was knocked off. After all day of tests and observation he's allowed home .. great stuff.

best laid plans and all that,, mm

Update on pay day. DD1 has been having allergic reactions and facial swelling over the last month or so. She's a young mum and has just got on with things, taking antihistamines and delaying going to the GP. Unfortunately the day before yesterday she had a reaction at work causing facial swelling lips swelling and wheezing. The manager put her in an ambulance to the local ED. The emergency treatments were very successful and she was discharged after about 2 hours. She went to the GP yesterday who gave her an epi pen and said it was probably a nut allergy (she'd eaten a shop bought salad and juice at work). We initially thought it was a pet allergy (her dad has one) and she has sent her kitten to a new home. But no pets at work just lots of chemicals. I feel very sad that her life is now going to have so many restrictions. She's a real foody and so enthusiastic about everything. Any how the allergy testing queue is so long there is a queue for the queue!!! She is to get a phone call in 2 weeks to add her to the 4 month wait.

The money side of that tale is she has been in dispute with O2 over her phone bill. They said she phoned 21 0800 numbers, and last month wanted £240. Her contract is £40. Now the first phone in this contract had the screen broken and replaced twice by me and eventually gave up. When DD2 and I upgraded in the summer we gave her a phone. which now has a cracked screen but is functional.

Yesterday I bought her a new SIM card for me to top up so she was able to ask for help if needed rather than use I-message. Cut an even longer story short to pay off the bill and close the account was £330. I put it on the credit card. I want her to be safe and in easy contact.

I forgot I had to pay my professional registration fee. £120 (on CC also)

DD2 going through A levels. School lunch money, £25. I would usually put a bit more on but her school tend to break early for xmas and I also had to pay £42 for the AS re-mark. She will have to take a few packed lunches. She also needs to apply for uni's. She's not feeling hugely confident so is applying for ones she is more hopeful of acceptance so 4 x £23 on UCAS £92... All cash. bang goes my savings.

Not been very comfortable with our Airbnb guest this time. Very friendly and lively but oversharing personal information. His trip here hasn't gone to plan. He came in around 1am, I heard the dog bark, but then he didn't climb the stairs. I'm sure he was sat in my living room. The vestibule door squeaked about 15 mins later and he went to bed...... although I could have made it all up.

I didn't remember my train pass. That'll be £65 next week also. Even after all that I can't bring myself to work extra tomorrow.

I've been putting off / lazy about cancelling my reward bank account with my bank. This morning I logged on to an increase in charge of 50%!!!!
£15 Taken for nothing. I wasn't able to claim because years ago I claimed a mobile repair. I haven't registered a phone with them since.
This will not happen again. I'm off tomorrow so it's on my to do list to change.

Could just kick myself, radiator has arrived and I've ordered the wrong size. I wanted a vertical not horizontal. I should have researched more. I didn't want a really tall vertical, only about 800mm but I always learn by mistakes unfortunately. Not sure about sending it back, but keeping it would mean change for change sake rather than need. Its a traditional design that would fit into our sitting room, But then I would need another for the opposite end!! and then I would slowly replace all of them in the house. Meaning more cost, more overtime to pay for it and less debt/mortgage busting.

Feeling a bit aggrieved this week. bit of a spat with OH and we're not quite over it. Definitely back in the sell mode. Downsize, small mortgage no money worries. I felt unwell at work sleep has been awful 3- 4 hours per night, and I asked for a lift home rather than the train. I went to bed at 4pm. Thankfully our children are lovely young adults but I've missed their childhoods working 50 hour weeks. See martyrdom again. blurrggghhhhhhhhh. I'm on late today so by the time I get home (on the train Then repeat tomorrow.

I suppose I should add my OH has apologised and was worried that I took myself to bed as I never sleep during the day. He did apologise again yesterday morning but I'm as stubborn as a mule and at this point want to buy a house he wouldn't like!! I did said I want nothing from him again as I'm self sufficient, but even though I only see 600 quid of his wages it does help towards the increased costs of his follies. But add it to his costs I'm minus £200.

After all the birthday extravagance, it's a shame our 2 year old GD won't remember any of it. Our DD did well though. I even got some of the loan repayment http://static.moneysavingexpert.com/images/forum_smilies/biggrin.gif

The trip to the zoo was late. We got there at 2:30 and were told it was closing at 4pm for the light display. £54 for 3 adults and a 2 year old for an hr and a half. They wanted £60 but I declined paying the extra for conservation this time. The weather was crisp and the little one loved it in fact we all did. :j

We have another house viewing today. Maybe this time. I'm sure I can talk myself into 20 viewings being considered a magic number :rotfl:

Our airbnb guests are packing up ready to leave by the sounds of things. We never realised just walking about would make so much noise to the floor below! £30 will go straight off the 0% CC.

I've shuffled things around this week to ensure we are ready for bigger OP to the mortgage come the 1st January 2016. With starting my new job, I didn't work any extra shifts in November, therefore Decembers pay will be a bit lean. I have 4 extras to be added to January's pay so it will balance in the long run. Thankfully my hubby's pay was healthier than usual. He was happy with an extra £100 for his spends. Think I was the lucky one this month with the rest of the balance. Although even with my positive encouragement he doesn't feel he can repeat this every month :cool:

Our freezer is full to burst with Lid1 meat bargains. That should probably last us until xmas week. only fresh foods will be needed.

Babysitting this afternoon so DD1 can go to her works xmas drinks, hopefully won't spend a penny. However tomorrow is when we go to Manchester for xmas shopping. We don't need to buy much as DD1 had hers last month, got mums, so it's DD2 (difficult), sister and BIL will be visiting. anyhow my list tells me I should have change from my £300 budget.

Here's to dreaming x