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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 26
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th May 18, 11:44 AM
    • 15,337 Posts
    • 51,362 Thanks
    Buffythedebtslayer
    Buffster~~Take this in the spirit it is meant my friend.
    Sometimes you just need time to stop & just to breathe & to be. xxx
    Originally posted by beanielou
    Yes... you do (been revising Buddhism with my kids!)



    Ok so just finishing my tea.

    Neighbours were broken into last night, bit scary as they came through our garden.

    oops mechanic has just rung, off I go!

    xxx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 13th May 18, 12:04 PM
    • 58,067 Posts
    • 239,166 Thanks
    beanielou
    Oh that is scary about your neighbours
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th May 18, 8:54 PM
    • 15,337 Posts
    • 51,362 Thanks
    Buffythedebtslayer
    Oh that is scary about your neighbours
    Originally posted by beanielou
    I do like them but they smoke A LOT of drugs and I think that might attract people? I am not sure tho, as their neighbour's car has been broken into 5 times and sometimes suspect people stand about on the street corners watching.

    In the end I had quite a good day, did get a bit tetchy with Mum, but it always happens as we readjust to her being in charge in the kitchen and me kissing goodbye my clutter free surfaces!

    However I did go to the Fish shop and buy fish which has made me ridiculously happy. I set up two more tanks (which collapsed from neglect whilst all hospital stuff went on, I moved them to one tank so most survived but it hasn't been great ) and have two species only tanks (only guppies and minnows) and am chuffed.

    Tomorrow is crappy work but the conservatory is a nice place to sit now.

    Still need to look at my bank!
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • crazy_cat_lady
    • By crazy_cat_lady 13th May 18, 9:44 PM
    • 4,127 Posts
    • 35,354 Thanks
    crazy_cat_lady
    However I did go to the Fish shop and buy fish which has made me ridiculously happy. I set up two more tanks (which collapsed from neglect whilst all hospital stuff went on, I moved them to one tank so most survived but it hasn't been great ) and have two species only tanks (only guppies and minnows) and am chuffed.
    Originally posted by Buffythedebtslayer
    I read that as going for fish and chips. And now that's what I want.
    November in NY #20 NSD = 9 1 debt vs 100 days 328.51/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • Sun Addict
    • By Sun Addict 14th May 18, 9:02 PM
    • 6,328 Posts
    • 43,701 Thanks
    Sun Addict
    You take too much on yourself Buffy. Listen to Beanie and take some tome out just for you. Sounds like the break in at the neighbours might be drug related - not good.

    Take care xx
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th May 18, 9:08 PM
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    • 51,362 Thanks
    Buffythedebtslayer
    Everyone always thinks about fish and chips when I am talking about the Fish!!

    I finally checked my bank! I have 100 pounds till the end of the month....ha ha.

    Also I owed 270 on the CC - 126 on clothes, 56 pounds at Argos, 14.99 on a 5km. Argos was a strimmer and a planter (that is a welcome home gift for Mum). A previous argos for furniture (45) and petrol. Oh and a random 11.40 in Tescos.

    On the new day card I spent 350. Which is a hotel room for a wedding (180 90 owed) Mum's phone (40 owed) and Sainsburys since Mum left.

    I have paid it off with my Savings which depresses me. Mum will pay me back some of it.

    My spending money account....hmmm.

    Too tired to write any more.

    At least it is paid.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 14th May 18, 10:25 PM
    • 58,067 Posts
    • 239,166 Thanks
    beanielou
    Keep plodding Buffster xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • Buffythedebtslayer
    • By Buffythedebtslayer 16th May 18, 9:55 PM
    • 15,337 Posts
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    Buffythedebtslayer
    Ooooooooooooooooooh Boy.

    Today was hard. I don't really know why. It was just one of those pointless struggling days when time stands still and you cannot get home quick enough.

    Kids weren't so good. my friend was kind tho and my boss was funny. Just felt like I couldn't breathe.

    Odd.

    any how off to bed in a bit, so tired.

    Buffy XX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 16th May 18, 9:56 PM
    • 58,067 Posts
    • 239,166 Thanks
    beanielou
    Sleep well xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • Lucifa73
    • By Lucifa73 17th May 18, 3:00 PM
    • 7,468 Posts
    • 9,704 Thanks
    Lucifa73
    Oh Buffy - big squishy virtual hugs! And a stern telling off!


    TAKE TIME FOR YOURSELF


    and do something fun. The sooner you get that time with friends the better!
    Tesco CC 020718: 3502.86/240918: 3172.14 9.44%
    Surveys cashed 14.84/cleared 21.45/pending 0.90... (plus 600 YouGov points...)
    50ps challenge:19.00 5ps challenge: 4.10


    • Buffythedebtslayer
    • By Buffythedebtslayer 17th May 18, 6:33 PM
    • 15,337 Posts
    • 51,362 Thanks
    Buffythedebtslayer
    Thanks Luc xx I am going out tonight, a mate totally surprised me and another mate with an idea to go out and eat. I have best drink up my coffee (bleurgh - trying to shift a headache) and make myself look presentable!
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 17th May 18, 9:10 PM
    • 58,067 Posts
    • 239,166 Thanks
    beanielou
    Hope you have a lovely night
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • crazy_cat_lady
    • By crazy_cat_lady 17th May 18, 9:48 PM
    • 4,127 Posts
    • 35,354 Thanks
    crazy_cat_lady
    Hope that your night out has been fantastic xxx
    November in NY #20 NSD = 9 1 debt vs 100 days 328.51/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • Sun Addict
    • By Sun Addict 17th May 18, 9:55 PM
    • 6,328 Posts
    • 43,701 Thanks
    Sun Addict
    Also hope you've had a lovely night, you deserve it xx
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 18th May 18, 9:21 PM
    • 15,337 Posts
    • 51,362 Thanks
    Buffythedebtslayer
    I had a good time, it is definitely good for me to see my friends. I gave one of my friends a hug when we left and she really hugged me. I hope she is ok. She doesn't normally!

    I still have the headache. but it is manageable. Bed early tonight.

    Also spoke to my friend tonight, she wants to go man hunting! don't know where that came from. Think we are both lonely. I know I would like a "person" well, a bloke! I am tired all the time of fighting to get things done and for what?

    Headache appears to be coming back.

    ugh. bed soon.

    ooooooo am spending 3 days in Nice. Costing a bomb but is ok.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 19th May 18, 10:47 AM
    • 58,067 Posts
    • 239,166 Thanks
    beanielou
    Also have a sore head!!!
    Nice sounds fab
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • Buffythedebtslayer
    • By Buffythedebtslayer 19th May 18, 11:57 AM
    • 15,337 Posts
    • 51,362 Thanks
    Buffythedebtslayer
    Headache gone, shopping done but need to collect something from the local Sainsburys (in which parking is a nightmare!)

    Going to have a cup of tea and continue with the list!
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 19th May 18, 12:04 PM
    • 15,337 Posts
    • 51,362 Thanks
    Buffythedebtslayer
    oops!

    Forget to say, put note through the neighbour's door telling him about the fence, so we will see what happens

    Fence goes up on Monday and we can use the garden again and hopefully things will be back to normal.

    and I can spend half term sorting the garden!
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 19th May 18, 12:10 PM
    • 58,067 Posts
    • 239,166 Thanks
    beanielou
    Good news on fence.
    Not long now.
    You are a better woman than me as I would not have given him a note.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • Sun Addict
    • By Sun Addict 19th May 18, 7:34 PM
    • 6,328 Posts
    • 43,701 Thanks
    Sun Addict
    Neither would I!

    Glad you had a fab time with your friends
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
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