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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 25
    • WannabeFree
    • By WannabeFree 6th May 18, 3:36 PM
    • 1,527 Posts
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    WannabeFree
    I don't know where in the country you are but I'm North west and my DH is a joiner but working for a fence fitting company the last few years. Roughly £175 per section (Two 9ft posts/1 concrete base/6ft waney panel and the labour) Obviously depends on where in the country you are too.

    Take care
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 6th May 18, 7:54 PM
    • 53,900 Posts
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    beanielou
    Hope you have had a good day Buffster xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 7th May 18, 2:49 PM
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    Buffythedebtslayer
    Wannabefree, that helps alot.

    Especially since I got another quote which has left me in need of advice.

    Opinions please.

    Bloke A - can do it in two weeks, will rebuild the wall (thus not giving neighbour anything to reasonable to moan about - I have no doubt he will be a problem but there will be no reason) fence will be 1 foot gravel boards and 5 foot board all the way along....1710 come recommended from the people at the Pet shop who I trust with my dogs..so you know!


    Bloke B - can do it in a months time, won't rebuild the wall, will give me two 7 foot fences near the house - privacy fences and the rest of the fence 6 foot. 1620 - only one to give me a proper breakdown of price - 135 per "bay" (panel + bits). He was clearly very competent - or at least gave that impression and I really liked him. However I don't know him from Adam.

    Issues - so yesterday didn't use the garden - only once as he just left the dog outside - when the fence bloke was there he just left the dog to bark. Later on when I took my dogs out the back first checking it was clear miraculously he appeared dog in tow. And guess what! it was barking.

    Further to that, I need the rabbits outside. and really wanted the fence up by half term. bloke B would be after half term. Screws up my week off. Cannot move them outside with the dog - no clue what it is like re prey.

    And he did his (pre dog) normal staring thing this morning.

    Who do I pick please?
    Last edited by Buffythedebtslayer; 07-05-2018 at 2:58 PM.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • WannabeFree
    • By WannabeFree 7th May 18, 4:27 PM
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    WannabeFree
    I would go with with which ever you prefer. IE the rebuilding of the wall vs not/time scale etc. There isn't a major difference in price so I'd choose the most convenient/the one who has the recommendations etc.

    You need to do what's best for you - Will the first option give similar amount of privacy to the second?

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 7th May 18, 8:15 PM
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    • 213,247 Thanks
    beanielou
    If it was me I would go for no 1.
    Then it is done & dusted sooner.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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.
    • beanielou
    • By beanielou 7th May 18, 8:16 PM
    • 53,900 Posts
    • 213,247 Thanks
    beanielou
    Word of mouth counts for a lot I think.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 7th May 18, 9:05 PM
    • 15,159 Posts
    • 49,895 Thanks
    Buffythedebtslayer
    I would go with with which ever you prefer. IE the rebuilding of the wall vs not/time scale etc. There isn't a major difference in price so I'd choose the most convenient/the one who has the recommendations etc.

    You need to do what's best for you - Will the first option give similar amount of privacy to the second?

    x
    Originally posted by WannabeFree
    I think so - 6 foot high is about as high as you can go.

    If it was me I would go for no 1.
    Then it is done & dusted sooner.
    Originally posted by beanielou
    yep

    Word of mouth counts for a lot I think.
    Originally posted by beanielou
    Agreed.

    That was pretty much my conclusion. And as much I would like 7 foot fences it is about 13cm over the limit of 2m and he would kick off, especially without the wall being fixed. 6 Foot should be enough.

    I shall get that sorted tomorrow. It has been a !!!! weekend. I wouldn't wish neighbour issues on my worst enemy.

    feeling a bit rubbish tonight.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 7th May 18, 9:13 PM
    • 53,900 Posts
    • 213,247 Thanks
    beanielou
    Anything we can help with Buffy?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 7th May 18, 9:13 PM
    • 5,712 Posts
    • 37,258 Thanks
    Sun Addict
    Neighbours who'd have them Having said that we've been very lucky with ours - we rarely see them.

    I think I'd go for option 1 too. The sooner the better.

    Hope you feel better soon. Big hugs xx
    Virtual Sealed Pot 2018 £250.33
    Debt £2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund £2000/£10,000
    • crazy_cat_lady
    • By crazy_cat_lady 7th May 18, 9:52 PM
    • 3,507 Posts
    • 29,977 Thanks
    crazy_cat_lady
    I think that you've made the right choice Buffy. One less thing to worry about once that's sorted - the neighbour can do one... I have no idea why some people just get off on being nasty bullies to others.
    DFD 6 Nov 15 - paid £28,447
    • Buffythedebtslayer
    • By Buffythedebtslayer 7th May 18, 11:22 PM
    • 15,159 Posts
    • 49,895 Thanks
    Buffythedebtslayer
    Anything we can help with Buffy?
    Originally posted by beanielou
    I think I am just annoyed with myself that I have allowed the neighbour to have such an effect. I haven't been out in the garden all weekend. Am ok really not long to the fence. Just hope Mum is ok with it all.

    Am currently moving a fish tank. It was something I couldn't do during the day, as needed the back door open.

    Best get on. moved the fish tank ok, then dropped a book shelf on my toe......hence the sitting and typing.

    Sorry - side bar, I have Marvel's agents Shield on and one of the characters has just had both arms cut - most shocking bloody thing ever! and she is still talking. I have had to have a sit down cos of my toe!! bit of realism please! Yes I know it is a totally made up programme. To be fair normally more light hearted than this! Back to fish tank.

    thanks for the advice, it really does help so much.

    XXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Pooky
    • By Pooky 8th May 18, 7:58 AM
    • 6,847 Posts
    • 43,277 Thanks
    Pooky
    I can totally empathise with the neighbour issue. The neighbour at our last house was an odious beast, from trying to hurt the cats, parking in DHs disabled bay and constantly shouting drunken abuse at us, including calling my DD's the "c" word. But karma is a mysterious thing and it did come back to bite him heavily on the bum when all the neighbours refused the planning permission when he needed a disabled bay over the way he'd treated us. And when he eventually died, it was outside our old house and no one stopped to help him as they thought he was just passed out drunk again.

    Not that I'd wish that upon anyone but when I heard I did think....karma, well played.
    "Start every day off with a smile and get it over with" - W. C. Field.
    • Buffythedebtslayer
    • By Buffythedebtslayer 12th May 18, 7:30 PM
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    Buffythedebtslayer
    So it has been a pretty stressful week all in all. I don't really feel like much is happening "for me" I am constantly doing for other people. Which isn't true - I think what I mean is.......I don't know really.

    Any how the weekend and Monday were spent preparing for Mum's return, she has barely noticed anything has changed, I do think that is what stops me doing things sometimes, I get so sick of slogging my guts out to tidy up an area of the house only to have Mum continue to put crap in it or not even notice how great the change is. You know an acknowledgement that we can sit in the conservatory and not have to have the blinds down all the time would be nice. You only had one path through the crap before she left!! BUT I have to remember she is old now and doesn't remember much. Plus she came home Wed but hasn't been round to see my sister yet and am not sure what that is about.

    Then at work lots of people are leaving. I was going to but things here are so complicated here with sis and BIL that I think I may as well stay here and review each half term - I am shopping for them - in part and will do stuff like collect prescriptions and go round to help him get outside in the chair - this is exactly my friends have warned me about. Exactly. And I am bit freaked by it all to be honest. But frankly the man is bedridden, remembers barely anything of the past at all and is always so pleased to see me and so affectionate. He isn't the man who seemed dismissive and contemptuous of me and my family, who was controlling of my sister and rude about most of my plans. It is so hard to get straight my head. Hardest thing I have had to process in a long time. Life is full of some shocking surprises.

    Mum hasn't been herself since she came back, made her go to the doctors on Friday. Not overly happy with it all but cannot force her.

    Had more to write but dog wants feeding and is getting up set

    Buffy
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 12th May 18, 7:35 PM
    • 53,900 Posts
    • 213,247 Thanks
    beanielou
    While I know you want to be there for your sister & BIL please please do not get too sucked in.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 12th May 18, 8:02 PM
    • 15,159 Posts
    • 49,895 Thanks
    Buffythedebtslayer
    While I know you want to be there for your sister & BIL please please do not get too sucked in.
    Originally posted by beanielou
    Yes.

    I think I thought at one point he would be better than he is. And Mum too.

    I am going to see a friend and go to a convention in London in a couple of weeks and am planning a beach holiday with another couple of friends.

    dinner now xxx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 12th May 18, 8:26 PM
    • 53,900 Posts
    • 213,247 Thanks
    beanielou
    Yes.

    I think I thought at one point he would be better than he is. And Mum too.

    I am going to see a friend and go to a convention in London in a couple of weeks and am planning a beach holiday with another couple of friends.

    dinner now xxx
    Originally posted by Buffythedebtslayer
    So glad that you are doing things for you xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 12th May 18, 10:08 PM
    • 15,159 Posts
    • 49,895 Thanks
    Buffythedebtslayer
    Post dinner and the dogs are asleep.

    I really need to find away to be more positive about things. Dinner was nice.

    need to check my bank.

    XXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • crazy_cat_lady
    • By crazy_cat_lady 13th May 18, 8:12 AM
    • 3,507 Posts
    • 29,977 Thanks
    crazy_cat_lady
    Hey Buffy

    Obviously I'm not in your situation, but I can completely relate to being stuck in a job that you're struggling to enjoy (with my last Head teacher), and being pulled in every direction for other people and getting very little, if anything, for yourself. I actually had to break before I put myself first, and I don't want you to get to that point, although I fear you might. Please be kind to yourself
    DFD 6 Nov 15 - paid £28,447
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th May 18, 9:11 AM
    • 15,159 Posts
    • 49,895 Thanks
    Buffythedebtslayer
    Hey Buffy

    Obviously I'm not in your situation, but I can completely relate to being stuck in a job that you're struggling to enjoy (with my last Head teacher), and being pulled in every direction for other people and getting very little, if anything, for yourself. I actually had to break before I put myself first, and I don't want you to get to that point, although I fear you might. Please be kind to yourself
    Originally posted by crazy_cat_lady
    I am worried about myself, trouble is there is no where to "break" if you see what I mean. This morning for example I got up checked the dogs - they had had an accident in the crate and one was covered in poo. I gave them a bath and cleared up. I can't just let them out in the garden tho as crazy neighbour is out there. I had stand in the conservatory for a bit whilst they ran around. and then make Mum a cup of tea and sorting out the shower. so immediately my day starts in a stress. Mum has now had a shower so that messes up me having a shower early and having any time to just think.

    And work wise, well I will stay there for a bit because although everyone is leaving (!) I generally do quite well with the kids, I can't guarantee results this year they should be better next year. But if they don't sort out the management I will have to go.



    But I can't really ever relax. I am sure I will feel better once the fence is up, not being able to escape to sit by the fish pond is a bit of a killer.

    And it is 9 o'clock, Mechanic is coming at 12 because he is an absolute hero and then I shall go to the fish shop, that is something for me today. So I had best get on.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 13th May 18, 11:24 AM
    • 53,900 Posts
    • 213,247 Thanks
    beanielou
    Buffster~~Take this in the spirit it is meant my friend.
    Sometimes you just need time to stop & just to breathe & to be. xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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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