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    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Jul 17, 11:47 PM
    • 15,120Posts
    • 49,606Thanks
    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 22
    • beanielou
    • By beanielou 4th Apr 18, 9:22 PM
    • 52,761 Posts
    • 207,317 Thanks
    beanielou
    Glad BIL is now on the next part of his jourey.
    Hope you can enjoy the rest of your break.
    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 Apr 18, 10:21 PM
    • 15,120 Posts
    • 49,606 Thanks
    Buffythedebtslayer
    I looked at my bank accounts. I am sure I had a system.....It seems to have collapsed.

    I ended up going over drawn.....twice...cos I have got my dates mixed up. it was only over night but not like me!

    And my tax rebate hasn't cleared. So I can't do my big sort out.

    Situation.

    I have

    1300 pounds saved.
    I borrowed 5000 pounds to buy a new car and put up a summer house.
    I got a tax rebate for 3426
    And 100 refund from my car accident insurance

    I have spent 290 plus 390 on the car of the loan... on fixing current car. (680)

    I think once the cheques have cleared I will put all the money in one place and work something out from there.

    I feel slightly ridiculous having the loan now, but at the time my mechanic had a car to look at and the cheque wasn't meant to come for 60 days! so it seemed logical - needing a car for work.

    Mind you it might be a blessing sort of.

    Plan A

    1. Sort the tax rebate into various accounts to cover things like car insurance and pet insurance as a jump start for the next year.

    2. Use the Bank loan money to buy a car(3500?) and put up the summer house (539 +230)

    3. Over pay the loan as fast as possible.

    Plan B

    1. Pay back the loan.
    2. Start from zero for everything and buy car or sort pots and save for car.



    I have been writing this post for ages....

    I want some chocolate. Helps me think.
    Last edited by Buffythedebtslayer; 04-04-2018 at 10:57 PM. Reason: Because my grasp of maths is so poor.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 4th Apr 18, 10:23 PM
    • 52,761 Posts
    • 207,317 Thanks
    beanielou
    Passes chocolate.
    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 Apr 18, 10:36 PM
    • 15,120 Posts
    • 49,606 Thanks
    Buffythedebtslayer
    Thank you Beanie XXX

    I found some Roses.....

    I really love chocolate. I had better not be bloody Lactose intolerant!
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 5th Apr 18, 1:06 AM
    • 15,120 Posts
    • 49,606 Thanks
    Buffythedebtslayer
    I really need to go to bed! however I have been thinking and thinking

    I have moved some money around.

    I have two current accounts that earn interest and I have made it so they switch 1000 pounds between them to earn interest on them.

    I am going to pay in the rebate to cover the rabbit insurance and other upcoming bills for the next year, whilst setting up payments to cover them again in six months time (when I will need to pay to save up again - does that make sense)

    I have worked out my outgoings, an eye watering 1701.81

    That includes 500 pounds spending money(to cover everything like presents, pets, clothes,)..... and I will work towards paying off the loan.

    In theory I should be able to pay an extra 300 pounds a month. It should take just over 12 months.

    Part of me knows I should just pay it back now but I am currently a bit worried about a few things family wise and would like the cash available. Plus of course in all this I had completely forgotten about the dentist (how do I do that??) so I don't think I can afford to pay it back after all.

    Ok. Can go to bed now.

    Night all.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Pooky
    • By Pooky 5th Apr 18, 7:36 AM
    • 6,832 Posts
    • 43,046 Thanks
    Pooky
    We suspected my youngest had a lactose issue and spoke to the dr who agreed, did the test but it was all clear but all her issues cleared completely when she had her sinus op. It was just a reaction to the amount of goo her sinuses were producing. The body is a strange old thing but listen to it. I was popping indigestion tablets daily and knew I needed to stop gluten as I had worked out it was the trigger, as soon as I stopped it I felt so much better and I have lost 2 stone since Christmas because of it. Pop to your gp for lactose testing, at least you will have an answer and can start to modify your diet...there are plenty of dairy free alternatives out there now.

    Great news that your BIL is Home, it will take a while for them to adjust to their new life but they will get there. Does he need much support for daily living now? Have they had an adaptions done to the house?

    I went back to the dentist yesterday to draw up my treatment plan and only need the one tooth sorting! I was so pleased. I have to be referred to a specialist as it is not straight forward but I coped so much better yesterday and even managed to have an X-ray plate in my mouth! Thank you for spurring me on x
    "Start every day off with a smile and get it over with" - W. C. Field.
    • Sun Addict
    • By Sun Addict 5th Apr 18, 8:54 PM
    • 5,602 Posts
    • 36,130 Thanks
    Sun Addict
    Good news BIL is back home

    Have you got a decoy heron for your pond? We lost loads of fish to herons in the past but none since we got the decoy.

    I thought I had a system with money too - amazing how it all works out in theory, but in practice ....
    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
    • Pooky
    • By Pooky 5th Apr 18, 9:41 PM
    • 6,832 Posts
    • 43,046 Thanks
    Pooky
    My money system went out the window today when I accidentally brought my swingy swing (and several pretty things to put in the hallway that I need to finish decorating). My 30 food shopping budget also failed spectacularly.....but then I!!!8217;ve sold a couple of eBay bits and had 3 nice Etsy sales today so at least some was recouped,
    "Start every day off with a smile and get it over with" - W. C. Field.
    • Buffythedebtslayer
    • By Buffythedebtslayer 5th Apr 18, 11:32 PM
    • 15,120 Posts
    • 49,606 Thanks
    Buffythedebtslayer
    Pooky - you went to the dentist! You deserve a swingy Swing seat - did you try it out yet?

    SA - a lot of people on the pond group I am in say they don't work... but I think I might try one.


    I had lunch with a friend today - no guilt. It was great. Also saw BIL for the first time in months. He is a different man. I cannot explain how different.

    New beginnings all round.

    XXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • in need of direction
    • By in need of direction 6th Apr 18, 8:04 AM
    • 4,979 Posts
    • 28,640 Thanks
    in need of direction
    Love that you are in a pond group!
    Mortgage at 01.01.14 119,481.83 today 76,508.97, target 65,000 by 31/12/18 Offset fund today 207.27 target 5,500 by 31/12/18
    Emergency fund 0.7/5.5k & 200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 7th Apr 18, 7:24 PM
    • 52,761 Posts
    • 207,317 Thanks
    beanielou
    New beginnings indeed xxx
    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 9th Apr 18, 9:26 PM
    • 15,120 Posts
    • 49,606 Thanks
    Buffythedebtslayer
    Love that you are in a pond group!
    Originally posted by in need of direction
    Yep, Pond people (Golfish people) are lovely.

    Rabbit people are generally a bit ridiculous.

    Guinea pig people ( online) are all about 14... or 60 which is all good but makes for some interesting conversations. Also most love fleece for their pets and it costs a lot (mine don't have it! not MSE!!)

    Dog people vary massively. Most are lovely but some woman of a certain age with small yappy dogs. Man, are they annoying...And Sorry - but men with big dogs- utter !!!!! to a man online.

    but Pond people are lovely.


    I sorted out my money today.

    Hmmm.

    Ok, so I took my CC off Amazon
    I have switched all my payments to my Debit card.
    I have put 3000 in my savings to go with 1300 of my original savings.

    I have 1500 and 1800 in my "other" bank accounts(from the loan)

    I have spent

    690
    350 (garden shed roof and fixing of things)
    and a lot off of my CC...and two Ike$ orders....

    I have 4990 on the loan. I can make an extra payment of 100 pounds. and get paid again in 17 days...
    Which is good... as I have about 300 pounds to last me (and I am having to pay for all the pet vaccinations in the next week....Realistically that will have to come out of savings.)

    hmmm.

    XXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 9th Apr 18, 9:40 PM
    • 52,761 Posts
    • 207,317 Thanks
    beanielou
    Cat people are extra lovely xx
    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 13th Apr 18, 12:56 PM
    • 15,120 Posts
    • 49,606 Thanks
    Buffythedebtslayer
    Holiday has been quite rubbish, i can only get so far with my plans due to the weather, and it will not stop raining, plus the neighbour's dog is a nightmare. Can't believe I am back to work on Monday. I could sob, but then I watch the news and really cry. The Democratic Republic of Congo is in the most dreadful state, horror beyond words on the news,all these broken broken children because of the evilness of men. In the end I took the dogs out, couldn't stand it.

    I have decided to shut all my T%scos accounts - credit card, current account and saving account (empty), it just over complicates things and their online banking seems a bit rubbish.

    I think I might be lactose intolerant, a little experiment has resulted in me being quite unwell...

    I waiting in for the last bit of the rabbit set up to arrive today so am at home.. once I feel better I shall start on the house work!
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • redofromstart
    • By redofromstart 13th Apr 18, 1:17 PM
    • 1,601 Posts
    • 9,544 Thanks
    redofromstart
    Cat people are extra lovely xx
    Originally posted by beanielou
    I totally agree
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Apr 18, 6:43 PM
    • 15,120 Posts
    • 49,606 Thanks
    Buffythedebtslayer
    Well,today I went shopping for my sister and me, had sainsbury's delivered, walked dogs, painted a raised bed badly and 3/4 of a hutch badly. I have just put chicken thighs in the oven for dinner tonight and lunch tomorrow.
    I miss Mum.

    house is a tip.

    dogs miserable.

    I put honey on the thighs will that work do you think? I don't know if I will like it.

    I am tired and itchy from being in the garden. Am trying not to get depressed about how a few good days like today would have straightened out the garden. But I am back to work on Monday.

    I need a nap..............but dinner is in the oven.

    Should I have put tin foil over the chicken? Hmmm. I 'll never know
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • in need of direction
    • By in need of direction 14th Apr 18, 10:59 PM
    • 4,979 Posts
    • 28,640 Thanks
    in need of direction
    It took me a minute or two to join the dots between food prep and honey on thighs. Was wondering if it was some natural beauty treatment.
    Mortgage at 01.01.14 119,481.83 today 76,508.97, target 65,000 by 31/12/18 Offset fund today 207.27 target 5,500 by 31/12/18
    Emergency fund 0.7/5.5k & 200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Apr 18, 11:53 PM
    • 15,120 Posts
    • 49,606 Thanks
    Buffythedebtslayer
    It took me a minute or two to join the dots between food prep and honey on thighs. Was wondering if it was some natural beauty treatment.
    Originally posted by in need of direction
    *has died laughing and is now going to bed*
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Sun Addict
    • By Sun Addict 15th Apr 18, 2:57 PM
    • 5,602 Posts
    • 36,130 Thanks
    Sun Addict
    Aside from the honey thighs and back down to earth re the decoy heron - as long as you keep moving them they do work. We haven't lost any fish since we bought ours and we had a big problem with herons.

    You've made me feel guilty about our garden, so much needs doing .....
    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 15th Apr 18, 7:13 PM
    • 52,761 Posts
    • 207,317 Thanks
    beanielou
    It took me a minute or two to join the dots between food prep and honey on thighs. Was wondering if it was some natural beauty treatment.
    Originally posted by in need of direction
    So glad it wasent just me
    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.
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