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    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Jul 17, 11:47 PM
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    Buffythedebtslayer
    Buffy Keeps on the Straight and Narrow
    • #1
    • 25th Jul 17, 11:47 PM
    Buffy Keeps on the Straight and Narrow 25th Jul 17 at 11:47 PM
    Hello,

    I used to post here loads and loads, I have been debt free since 2011 but I am due dental work (yes finally!) and need glasses and work done on the car, the house and the garden so am going to do a 0% balance transfer if I can time everything right and then work very hard on paying it off.

    I do have some savings but they are staying as an emergency fund, I like the security they give me. Plus they may well not be enough. In the back of my mind I think I am due a tax rebate as well, not had time to investigate yet.

    Some things have changed and some things stay the same. As a family we are having a very hard time and that is partly why I am back, I need a reminder not spend all the time and to try to find the cheapest ways to do things. Especially eating.

    Lately I have been buying things from Amazon like it doesn't cost me a thing and do not even get me started on the contactless payment option.....it is really bad!!

    I get paid tomorrow so a little sort out of the budgets and then an investigation of 0% BT offers.

    Love

    Buffy
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
Page 14
    • Buffythedebtslayer
    • By Buffythedebtslayer 20th Jan 18, 12:43 PM
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    Buffythedebtslayer
    Brother in law did not get any worse during the night. The stent change is a regular thing in normal life. But here and now not great. I walked the dogs, had breakfast. Nearly had a row with Mum but didn't, I am getting better at that, she was only giving me advice about my washing (!)

    Funny how tv programmes - the ones I watch anyway are all about people finding out who they are and escaping some trap...(Marvel and DC in the main)

    anyhow I am supposed to be going out.........can't be bothered but need hay.....and milk.......and ear buds.

    Would prefer a nap.

    xxx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Sun Addict
    • By Sun Addict 20th Jan 18, 4:31 PM
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    Sun Addict
    Sorry to hear BIL hasn't been so good. It's up and down unfortunately in these situations. Your sister is lucky to have you and her mum for support, you might feel helpless but just being there is good.

    Take care xx
    Virtual Sealed Pot 2018 250.33
    Debt 2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund 2000/10,000
    Dining room fund
    • beanielou
    • By beanielou 20th Jan 18, 7:33 PM
    • 52,929 Posts
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    beanielou
    Advice about your washing
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Buffythedebtslayer
    • By Buffythedebtslayer 21st Jan 18, 8:05 PM
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    Buffythedebtslayer
    So in all the brother in law panic I forgot about my bloody car insurance.

    940 pounds from Tescos. Oh !!!! off.

    So I have to sort that on Monday.

    I am SO ANNOYED with myself.

    But I suppose I haven't had a break in 6 months. Summer with spent at intensive care, Oct half term he was really sick again and Christmas was spent trying to keep everyone apart from my friends happy.

    And now we are waiting to see if they will operate.

    Poor bloody man. What a absolute hell he is in.

    And it isn't doing any of us any good either. There is so little time.

    Like now, I am waiting for the text and will spend an hour chatting - brought home two sets of books to mark. Haven't because I have been catching up on real life. Went to tip (!) returned parcel, got petrol, took sister to station, walked dogs. And suddenly it is 8 Oclock!

    And there is my text to go get her.

    XX
    Last edited by Buffythedebtslayer; 21-01-2018 at 8:52 PM.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Sun Addict
    • By Sun Addict 21st Jan 18, 8:34 PM
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    Sun Addict
    940 for car insurance

    What are they operating on Buffy, I thought he had leukaemia?
    Virtual Sealed Pot 2018 250.33
    Debt 2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund 2000/10,000
    Dining room fund
    • beanielou
    • By beanielou 21st Jan 18, 8:44 PM
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    beanielou
    An operation to change BIL's stent maybe?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Buffythedebtslayer
    • By Buffythedebtslayer 21st Jan 18, 8:53 PM
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    • 49,737 Thanks
    Buffythedebtslayer
    And I am back, yes the stent change.... not till Monday at best possibly tuesday.

    The man is IN PAIN. He has BEEN THROUGH ENOUGH.

    Sorry for the shouting, it just awful to think about.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 22nd Jan 18, 11:38 PM
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    Buffythedebtslayer
    Had Mini Ofsted, went alright, nothing disastrous. glad it is over.

    forgot to ring the car insurance people grrrrr. and need to e mail dentist.

    but right now I am off to bed, thankful that we all got through the day XXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Sun Addict
    • By Sun Addict 23rd Jan 18, 8:15 PM
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    Sun Addict
    Hoping by now the stent is done and he's in less pain xx
    Virtual Sealed Pot 2018 250.33
    Debt 2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund 2000/10,000
    Dining room fund
    • Buffythedebtslayer
    • By Buffythedebtslayer 23rd Jan 18, 9:30 PM
    • 15,129 Posts
    • 49,737 Thanks
    Buffythedebtslayer
    Hoping by now the stent is done and he's in less pain xx
    Originally posted by Sun Addict
    Nope.

    Still in pain, tho apparently they think the antibiotics are working. Good that eh. They THINK.

    My sister is remarkably stoic and together.

    I am shattered, ate about a million biscuits today to keep awake. Still not cancelled old dentist or rang poxy car insurance.

    Have got a proper huff on if I am honest. I think an early night in order.

    Love to you all and hope things are ok

    XXXXXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 29th Jan 18, 10:21 PM
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    • 49,737 Thanks
    Buffythedebtslayer
    Evening
    Work is rubbish! but it is ok.

    BIL is ooooooooookkkkkk but it was a difficult week and a bit. Had the procedure and is better. Not a good time.

    Sorted car insurance - still expensive at 760 but better than 940.

    have shopped on Amazon but needs must.

    didn't go out all weekend. currently have a banging headache. so off to bed.

    hope all is well with folks, must sleep XX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 29th Jan 18, 11:02 PM
    • 52,929 Posts
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    beanielou
    But Buffster I dident give you my Amazon list.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Sun Addict
    • By Sun Addict 30th Jan 18, 7:49 PM
    • 5,620 Posts
    • 36,369 Thanks
    Sun Addict
    Glad there's been some improvement on the BIL front, albeit small.
    Virtual Sealed Pot 2018 250.33
    Debt 2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund 2000/10,000
    Dining room fund
    • Buffythedebtslayer
    • By Buffythedebtslayer 31st Jan 18, 10:04 PM
    • 15,129 Posts
    • 49,737 Thanks
    Buffythedebtslayer
    Evening all,

    Had a migraine for 3 days, I think the strain might be getting to me just a tad! It was a full on cannot see or stand up easily. Always good. The swimmy feeling has gone but my shoulder and head are painful.

    I ache everywhere from being so tense and last week when BIL was so ill Mum didn't exactly know what was going on (and I did) I think in the end I found it too much to keep up if that makes sense. Thank God he came through the procedure (not clear what!) well and is doing ok. God love that man, he has been through hell.

    Today I stayed home (day two - I went in Monday bad mistake!) and semi watched Mum, she had to walk the dogs, take sister to hairdressers and then come back, eat breakfast, pick sister up, wait an hour and take her to the station.

    I can't tell any more if I am being an awful person, I just think it is a bit much for Mum, she is 80. And all this ferreting about, she worries so much and I cannot stop her. Been like this for 6 month, almost 7. She takes her shopping once a week.

    I am pinning my hopes on her going to Florida. And being able to relax and have with my sister.

    I fully appreciate I haven't helped by getting a migraine. but I made her a few cups of tea and cleared up from dinner (which was in slow cooker)

    In financial news my bank has told me I have 8 pounds till pay day (28 th feb) oops.

    I will be borrowing out of my tiny emergency fund! Car insurance screwed me some what, but at least it is paid for. From then on aside from the rabbit insurance (May) I should be able to do some straightforward savings.

    xxxx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 31st Jan 18, 10:11 PM
    • 52,929 Posts
    • 208,359 Thanks
    beanielou
    8 quid til the end of Feb
    You are worse than me
    Do you think your mum will go to Florida?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Buffythedebtslayer
    • By Buffythedebtslayer 31st Jan 18, 10:27 PM
    • 15,129 Posts
    • 49,737 Thanks
    Buffythedebtslayer
    8 quid til the end of Feb
    You are worse than me
    Do you think your mum will go to Florida?
    Originally posted by beanielou
    She had to book it - for the price so is going in April, so she is going!

    Only for a month tho, mainly due to BIL.

    I have borrowed 200 from the emergency fund. Have just remembered I need to pay to have the fence put up (half of 350 so will be borrowing so more. Also need petrol. and of course food, hay!

    hmmm.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 1st Feb 18, 9:52 AM
    • 52,929 Posts
    • 208,359 Thanks
    beanielou
    We could have a new eating Feb
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Buffythedebtslayer
    • By Buffythedebtslayer 4th Feb 18, 9:55 PM
    • 15,129 Posts
    • 49,737 Thanks
    Buffythedebtslayer
    What do you guys think?

    the gardener I got (that we have had for over a year) was meant to start again a couple of weeks ago, he didn't show, he didn't show this week either.... He is meant to be doing the fence in half term but is uncommunicative......He has seen the messages but not answered.

    He is a great gardener, gets good reviews. I think he might be put off by the neighbour situation. But am not sure. But why come back at all?

    Should I carry on with him? Or tell him not to bother. Bloody nuisance as mum liked him. But it is an expense.

    Huff.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 5th Feb 18, 8:00 PM
    • 52,929 Posts
    • 208,359 Thanks
    beanielou
    I would try to get someone else.
    Not much you can do if he is not answering his messages.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Sun Addict
    • By Sun Addict 5th Feb 18, 9:24 PM
    • 5,620 Posts
    • 36,369 Thanks
    Sun Addict
    Agree with Beanie - get someone else in. Sounds like he doesn't want the work.
    Virtual Sealed Pot 2018 250.33
    Debt 2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund 2000/10,000
    Dining room fund
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