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    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Jul 17, 11:47 PM
    • 15,288Posts
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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 29
    • enthusiasticsaver
    • By enthusiasticsaver 7th Jun 18, 9:57 AM
    • 7,085 Posts
    • 15,337 Thanks
    enthusiasticsaver
    Goodness how horrific for you and the fish. We have never kept shubunkins but do have 5 now huge golden orfe who live quite happily with goldfish. No koi as we found they grew huge but we did not realise the orfe would grow quite as large as they have. They are like dolphins and jump out of the water which is quite entertaining to watch. On another note we have caught a heron eyeing up our pond early morning twice this week. Lovely graceful bird but we really don't want them fishing in our pond. Surprising because the pond is very close to the house.

    Never read your diary before Buffy, probably because you seem to be on top of finances without any need of my advice

    Sorry about your BIL's health and hope you enjoy your Canterbury trip. I love Canterbury but too far from Cornwall to visit for a special trip.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Buffythedebtslayer
    • By Buffythedebtslayer 16th Jun 18, 11:26 PM
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    Buffythedebtslayer
    I glad it looks like I am doing ok Enthusiasticsaver, cos I am thinking currently am up !!!! creek without anything resembling a paddle.......

    Another fish related night mare happened this week, the heater in my small tropical tank stuck ON and pretty much boiled the water- all 14 fish dead. Me gutted. Found it when I came home from work. Only set the tank up a few weeks ago.

    I am meant to be exam marking but cannot get the hang of it. It is truly GRIM. And I don't know if I am doing it right. Such an awful stressy feeling - that is why I haven't been on here much. Not that I have had any success with reaching quotas.

    I did see my best friend today, Dear God I love that woman. She has a lovely extension just built and the house looks amazing.

    I was ok at the party, didn't want to go - social anxiety is on the increase recently, can't cope with big groups so well. But managed and enjoyed bits.

    Sent another friend a gift and got the address wrong. Gutted as it would have helped her.

    Got a banging headache and now about 80% sure I allergic to the rabbits. Went out this morning with a thick head like I was getting a cold, spent most of the afternoon out and then the evening and now I have been back few hours my nose is whilsting (!) and my head is throbbing.

    Overall I am not so happy with life. But it was very good to see people today.

    XXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Pooky
    • By Pooky 17th Jun 18, 7:11 AM
    • 6,906 Posts
    • 44,011 Thanks
    Pooky
    Are the rabbits out in the garden yet?

    Fish stories sound hideous! We were given some goldfish for our allotment pond, put them in and haven't seen them since! It's all netted over so I know they're still in there. Someone kindly gave us some more weed and plants for it yesterday and I created a shaded area at one end so hoping that might please them.

    Everyone I know who does exam marking seems to be struggling with it this year too.
    "Start every day off with a smile and get it over with" - W. C. Field.
    • Sun Addict
    • By Sun Addict 17th Jun 18, 2:40 PM
    • 6,132 Posts
    • 41,439 Thanks
    Sun Addict
    How awful about the fish Buffy No wonder you were gutted.

    A lot of people I know have been complaining of allergy type symptoms this year, saying they don't usually get hay fever but feel like they have it or coming down with a cold. Wonder if there's something causing it?
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • beanielou
    • By beanielou 17th Jun 18, 4:12 PM
    • 56,856 Posts
    • 231,557 Thanks
    beanielou
    I think the pollen count is very high this year.
    I read something about it.
    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. MFW 2018. No 144
    • Buffythedebtslayer
    • By Buffythedebtslayer 23rd Jun 18, 12:19 AM
    • 15,288 Posts
    • 50,960 Thanks
    Buffythedebtslayer
    Hello everyone

    I have been exam marking - which I hate and will never do again!

    Cannot be fagged to work this hard I am afraid would much rather tutor, I like people not computer screens!! (ironic for someone who has been here over 10 years!!)

    Moneywise, a bit messy. But ok... had to buy paint, trainers, insulation. - the rabbits aren't outside yet.... nose is still snotty.

    Need to sort a new phone. trying to find a cheap deal on tesco is annoying... don't want to pay more than 20 quid.

    Gathered myself enough to sort fish out, obviously I had cleaned out after the heater disaster, just left it running empty. But after the pond disaster of the previous week - when I went to the dentist I "treated" myself to new fish, two of whom promptly ate 5 of my fish, I was so upset. felt horrendous, as I found two half eaten - don't even.. one has survived and seems to be healing poor fish. Any how they had to come indoors to a tank so due to that I had moved all the tropical fish to one tank (the heater disaster tank ) which then meant I had one empty tank, so my other two baby goldfish have come downstairs to be in one tank and the other tank has the pond rescued goldfish and the one gumtree rescue. I just find fish so lovely to watch. Hopefully *touches wood* there won't be any more awful accidents/poor judgement (still think maybe I should have thought those fish would have eaten the others...but won't ever do that again)

    Tomorrow dogs are off to new vets. So should go to bed. kinda want chocolate....

    XXXXXx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 26th Jun 18, 9:20 PM
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    Buffythedebtslayer
    New vet fairly useless. Inconclusive. AGAIN.

    Hayfever Or rabbit allergy awful. I gave up exam marking. Too hard to do with me being a snotty itchy mess in the evening and Mum wanting company, she is on her own so much now that when I come home she wants to talk to me - quite reasonably! but exam marking takes focus and that isn't possible here in the evening.

    I did think when I took it on it would start in half term and I could do some at work also - turns out that isn't possible. So next year hopefully I will go back to tutoring - I have missed it and it is easier than exam marking!

    There isn't much going on really. Might have a cheap holiday to go on, am going away for 3 days at the start of the holiday and have Canterbury in exactly 10 days.......not like I am counting or anything!

    I am going to try and find somewhere for a massage or something. Maybe. Tho I don't want to make lots of plans. I feel like I might just need sleep... and the whole point is not to "have to"

    In general life is ticking along, too hot, too much to do and too much confusion at work.

    nose is driving me mental. So shall go and make tea.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 3rd Jul 18, 12:47 AM
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    Buffythedebtslayer
    Monday was very stressful dealing with children who have end of term attitudes three weeks before the end of term always good.

    Came home and fell asleep, bit of a wasted evening. Watched a film called Snowman and it was so slow and rubbish, had Micheal Fassbender in who I normally love but in this, well I did like looking but not much else!

    Did my money, owe 100 on the CCs and am a bit annoyed at myself for wasting so much money. In a panic in the heat I bought the guinea pigs a fan and it was 17.99 - I didn't realise the price had gone up when I eventually bought it but I have spent so much on them, cooler blocks, another fan, food containers......none was really needed and I should have taken more care over the shopping. I REALLY need to be better off than I am!!

    I bought some skirts from E bay - disaster. They have an Enormous waist band which will be torturous to wear...of course the one that doesn't fit doesn't allow returns - it was only a fiver but I must get out of that mindset. I might buy some elastic to replace the top bit and try and make "something" out of the one that doesn't fit...........

    I am starving.

    I keep doing this in the heat eat very little all day and then hungry in the evening.

    ate some biscuits. thrill a minute. Loads to think about..
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Pooky
    • By Pooky 3rd Jul 18, 7:22 AM
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    • 44,011 Thanks
    Pooky
    Is it worth selling the skirts on? Are the piggies going out with the rabbits? I saw a tip somewhere about freezing a water bottle and putting it in hutches/cages to chill them down a bit. I've been giving the parrot some frozen veg and ice cubes to play with, she loves it!

    How's your BIL getting on?
    "Start every day off with a smile and get it over with" - W. C. Field.
    • in need of direction
    • By in need of direction 3rd Jul 18, 8:37 AM
    • 5,261 Posts
    • 30,936 Thanks
    in need of direction
    I had wanted to see The Snowman when it was released but gave it a miss when I saw the reviews. Glad I did though the book on which it's based, by Jo Nesbo, is good.
    Mortgage at 01.01.14 119,481.83 today 74,121.52, target 65,000 by 31/12/18 Offset fund today 307.27 target 5,500 by 31/12/18
    Emergency fund 860/5.5k & 200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Buffythedebtslayer
    • By Buffythedebtslayer 3rd Jul 18, 8:00 PM
    • 15,288 Posts
    • 50,960 Thanks
    Buffythedebtslayer
    Is it worth selling the skirts on? Are the piggies going out with the rabbits? I saw a tip somewhere about freezing a water bottle and putting it in hutches/cages to chill them down a bit. I've been giving the parrot some frozen veg and ice cubes to play with, she loves it!

    How's your BIL getting on?
    Originally posted by Pooky

    They were VERY cheap. A fiver each I think. so not much money lost I guess but I have to stop thinking like that.

    The piggies can stay in cos I luffs them SO much. And the rabbits have Ice pods to lay on and the guinea pigs have lunch box coolers
    to lay on.

    I had the bottle but Mum thought I had put fizzy drinks in freezer and took them out......but I have got them in now, it was just funny cos I thought we had ginger beer bit of a disappointment.

    Must put everything back in the freezer actually.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 3rd Jul 18, 8:02 PM
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    • 50,960 Thanks
    Buffythedebtslayer
    I had wanted to see The Snowman when it was released but gave it a miss when I saw the reviews. Glad I did though the book on which it's based, by Jo Nesbo, is good.
    Originally posted by in need of direction
    I didn't know it was a book. It has been years since I read new fiction.... or even old fiction!
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • in need of direction
    • By in need of direction 3rd Jul 18, 9:46 PM
    • 5,261 Posts
    • 30,936 Thanks
    in need of direction
    books are my escape. can't think when i last went a full day without one.
    Mortgage at 01.01.14 119,481.83 today 74,121.52, target 65,000 by 31/12/18 Offset fund today 307.27 target 5,500 by 31/12/18
    Emergency fund 860/5.5k & 200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 3rd Jul 18, 9:53 PM
    • 56,856 Posts
    • 231,557 Thanks
    beanielou
    books are my escape. can't think when i last went a full day without one.
    Originally posted by in need of direction
    This is me
    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. MFW 2018. No 144
    • Buffythedebtslayer
    • By Buffythedebtslayer 3rd Jul 18, 10:15 PM
    • 15,288 Posts
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    Buffythedebtslayer
    Didn't watch the football as Mum didn't want to watch it, I followed it online, not the same but hey ho.

    Glad we won tho, the kids will be happy.

    XX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 3rd Jul 18, 10:17 PM
    • 15,288 Posts
    • 50,960 Thanks
    Buffythedebtslayer
    books are my escape. can't think when i last went a full day without one.
    Originally posted by in need of direction
    They used to be. I don't have space for them now, or the time. TV is my escape. And audio books.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 9th Jul 18, 8:47 PM
    • 15,288 Posts
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    Buffythedebtslayer
    My weekend away was perfect

    I wrote a lot had some serious alone time doing SOD ALL and walked all over the place.

    I now have no money!

    but I feel so much better.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 9th Jul 18, 9:33 PM
    • 56,856 Posts
    • 231,557 Thanks
    beanielou
    Glad that you had a good weekend.
    The end of term is in sight.
    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. MFW 2018. No 144
    • Sun Addict
    • By Sun Addict 11th Jul 18, 8:48 PM
    • 6,132 Posts
    • 41,439 Thanks
    Sun Addict
    Glad you enjoyed your weekend away xx
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 18th Jul 18, 11:01 PM
    • 15,288 Posts
    • 50,960 Thanks
    Buffythedebtslayer
    Hello all,

    Not really been here much, sorry about that, work has been KNACKERING, I don't think I will be there for much longer. It is too messy.

    I have been out a few times recently and have 0 money. I really can't seem to budget. Just had to pay out loads for people leaving.

    So post weekend away I have just been getting through the days at work, my manager is leaving us and I am not dealing, in fact I am aggressively not dealing.

    I am looking at next term as a new job. The reality is I have been teaching longer than everyone on the leadership team. My new manager has been teaching 5 years. They can't get staff to stay although it isn't a bad place really - my experience tells me it could be a lot worse and I like my little job. I am on a strictly term by term basis in terms of my commitment and an absolute determination not to be stressed.

    Life here continues as is, helping sister, looking after Mum, going out a few times. It is ok. The weekend away was fantastic and so needed.

    I am however looking forward so much to the holidays. I am away for this weekend, on a hideously expensive weekend to Nice. Hey ho you only live once.

    Any one recommend any good books?

    Big love people I miss being here XXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
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