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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 38
    • RosaBernicia
    • By RosaBernicia 15th Sep 18, 7:21 PM
    • 3,597 Posts
    • 9,956 Thanks
    RosaBernicia
    I don't think I have a medical condition (do i?)
    also my dentist is not in any way NHS unfortunately....
    Originally posted by Buffythedebtslayer
    I was thinking if it's your milk teeth that are still there and causing the problems, then that's not usual and so I would have thought fixing it might be at least partly covered on NHS - I think there are maximum treatment cost bandings.

    Doesn't necessarily help if you wouldn't want to change dentists - and I suspect the implant wouldn't be covered probably a lower cost option.


    Rosa xx
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • Sun Addict
    • By Sun Addict 16th Sep 18, 9:07 PM
    • 6,332 Posts
    • 43,808 Thanks
    Sun Addict
    My dentist went private years ago and made me take up Denplan which covers things to some extent but not veneers. Spent 500 on veneers quite a few years ago which seems cheap now compared to the 516.17 I spent on having my cats teeth cleaned !!!!
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 16th Sep 18, 10:54 PM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    My dentist went private years ago and made me take up Denplan which covers things to some extent but not veneers. Spent 500 on veneers quite a few years ago which seems cheap now compared to the 516.17 I spent on having my cats teeth cleaned !!!!
    Originally posted by Sun Addict
    417 for the rabbits! So much fun!


    Rubbish weekend here, both dogs ill, at the vets and then shopping on Saturday, exhausted after all the faff at the vets

    Sunday started fairly early on the garden, but literally EVERYTHING went wrong, things broke, sting nettles appeared from no where, things fell on me, flew at me, I can't dig, or drill or screw.

    Luckily Mum made a roast dinner, so that perked me up.

    shattered now xxxxxx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 17th Sep 18, 9:41 PM
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    Buffythedebtslayer
    Looked out at my progress when I finally got home from work. Not bad.

    I can't spend anymore money EVER. The break in resulted in me buying locks and lights for the garden. Eye watering amount of money - although to be honest I probably do spend that much on Amazon...per week I mean. *sighs*

    I am returning some clothes that don't fit and need to cancel an order I made. And I returned some M and S clothes too. I have about 6 (!) parcels to return to my lovely George. I do love their clothes.

    And then I need to to have a big think.

    Right now I need some chocolate.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 17th Sep 18, 10:17 PM
    • 58,080 Posts
    • 239,307 Thanks
    beanielou
    Pass the chocolate Buffster
    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 22nd Sep 18, 6:31 PM
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    • 51,364 Thanks
    Buffythedebtslayer
    Ok so today was fairly much a waste.

    I killed myself at work this week so I would have a work free weekend and could do the stuff in the garden but it has rained all day.

    I did go out and start but everything was already so bloody wet it was just miserable and I am so sick of it all. The lining of the shed has gotten wet and............to be brutally honest if the tax rebate comes through I will get the builder to finish it. I can't explain how I have lost interest or exactly what is going on with me at the moment. This week I went to the cinema and the next night to my friends' for dinner, I enjoyed both of these immensely. Laughed loads and felt relaxed. I am even ok at work.

    But coming home to the mess and clutter. That is now getting beyond a downer. I came in this morning from the garden, sat in the conservatory that I have worked on so many times. It is again a mess. And I am ashamed. But had an empty day today - couldn't do the garden and I am so miserable but I didn't do anything. I made lunch and put one load of washing on. I have the "$%^&* dentist tomorrow. I am broken. Sick of it all.

    I need to do something. I don't know what.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 22nd Sep 18, 10:30 PM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    Ok.
    I took many many many deep breaths.
    I reminded myself that I do NOT have a disabled partner and I am free to leave these choices I have made. I choose these obligations.

    I did my washing.

    I looked (in horror) at my bank. I have 20 pounds till Friday - luckily I have everything I needed. I also made two decisions.

    1. I took out some money from my peer to peer investment to pay off part of my CC bill - for the dentist. It was a bit of a wrench but the CC is out of control!

    2. I am going to go out every week.


    Also, I need to plan at school and do a little gardening each day this week. I know things will not get any better with out me making an effort.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 24th Sep 18, 8:39 PM
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    Buffythedebtslayer
    Today at work was a killer I felt bloody terrible, I didn't have my protein shake (!) for breakfast and ugh. So they are I think doing me some good? just was hungry all day.

    Plus I have a cold. Sniff Sniff.

    Came home, had dinner (V nice)
    Fed dogs.
    cleared up
    filled in this week's plans. (post pay day in desperate need of boots!)
    went upstairs and did about 20 minutes decluttering.

    spent two pounds on a school dinner which was GROSS

    yesterday I bought the guinea pigs a new shelf. Life is exciting

    got to paint that and another one. might do that tomorrow night

    need to take the dog to the vets tomorrow.

    Watched the Body Guard. Good

    Am watching Finding Eve - better.


    have a good week folks.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 24th Sep 18, 8:45 PM
    • 58,080 Posts
    • 239,307 Thanks
    beanielou
    The Bodyguard was just awesome
    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 26th Sep 18, 8:31 PM
    • 6,332 Posts
    • 43,808 Thanks
    Sun Addict
    I didn't watch the Bodyguard but beginning to wish I did. Might download it on iPlayer.

    Buffster you need to come up with another plan for finances.

    The plan to go out once a week sounds great and will do you good
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 27th Sep 18, 8:18 PM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    Hello all

    Well I got my tax rebate.

    It was not as much as I thought it would be.About 1650. Which is better than a poke in the eye with a pointy stick.

    But not the 3500 I thought it would be!

    (as it was last time)

    I think in future (as when I change jobs this is bound to happen) I will just leave it to the tax people. I feel like work are keeping my money!

    I will ring the tax people in half term.

    Oh I can say this here. I am developing a strange crush/genuine attraction to a new member of staff.

    It is odd. I haven't really felt like this for a while about anyone. He is..... I don't ..We really hit it off. Like really.When he came for a visit/interview I laughed a lot. With him not at him

    And now, we just get on. I did blush massively yesterday when helped me with something. But generally he is easy to be round. But he does get a bit flustered around me....tee hee.

    Anyhow he is with someone. As in has a girlfriend but wanted to finish things (he sort of blurted that out) and hasn't found the right time, big shared friend occasions coming up. So he is off limits for various reasons

    1. girlfriend
    2. work together (against the rules)
    3. He is a vegetarian and doesn't drink tea!! How would I cope...


    But over the last few weeks I have been quite enjoying the fancying stage and it has lead to a slight reassessment on the relationship front. I didn't think I could get butterflies but apparently I can! So who knows! Maybe in 2019 I will have a look.

    It is 88 days till Christmas and I have 450 in the bank for it. I now have 1850 in savings.

    I still have a 600 pound CC bill tho. Pretty clear to see that I have been SUPER depressed and buying all the !!!! in the world.

    and my shoulder hurts. SO much.

    But I am watching Elementary. I love that programme!

    xxxxx
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 27th Sep 18, 8:23 PM
    • 58,080 Posts
    • 239,307 Thanks
    beanielou
    Always good to have a wee workplace flirt
    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 27th Sep 18, 8:48 PM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    Always good to have a wee workplace flirt
    Originally posted by beanielou
    It really is, has made the unbearable and ridiculous quite bearable thank you
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Sun Addict
    • By Sun Addict 27th Sep 18, 8:50 PM
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    Sun Addict
    To be honest it sounds like he's interested, especially with him mentioning he wants to split from his GF. But too many reasons not to pursue further as you say. Time to dust yourself off and put yourself back on the market?
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 27th Sep 18, 8:59 PM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    To be honest it sounds like he's interested, especially with him mentioning he wants to split from his GF. But too many reasons not to pursue further as you say. Time to dust yourself off and put yourself back on the market?
    Originally posted by Sun Addict
    A couple of things he has said/done make me think he is interested but has stopped himself/gets flustered. Equally I could just be being teenage about it. But it is nice to day dream.

    But yes the dusting self off is a plan. I think I will give dating a whirl after Christmas. I have house plans and work plans and debt plans before that.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Buffythedebtslayer
    • By Buffythedebtslayer 28th Sep 18, 6:31 PM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    Opinions.

    I have found a gym/swimming pool thing near me for 68 pounds a month.

    Is this reasonable?

    A work colleague goes and she really likes it. It is 10 minutes from work, no kids, open from 6 am till 11pm.

    It has a sauna and a steam room.

    I haven't used gyms before because I don't like them. I had to stop using the local pool as a boy I taught became a life guard there.

    Don't get me wrong - I know I am lazy! but I do like being in the water.

    Always love a spa weekend - pool etc. but 68 pounds...
    Last edited by Buffythedebtslayer; 28-09-2018 at 6:33 PM.
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • beanielou
    • By beanielou 28th Sep 18, 7:03 PM
    • 58,080 Posts
    • 239,307 Thanks
    beanielou
    If you will use it at least a couple of times a week Buffy & preferably more I would say it is a good deal.
    But will you use it?
    Are you tied into a contract?
    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 28th Sep 18, 7:53 PM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    If you will use it at least a couple of times a week Buffy & preferably more I would say it is a good deal.
    But will you use it?
    Are you tied into a contract?
    Originally posted by beanielou
    Recently with my shoulder and now ribs and growing noticeable weakness in my ankle plus looking back at FB memories and things you guys say here - I made a note! I have become very worried about my health.

    I am not remotely fit or active.

    I can give 30 days notice to cancel.

    I think I could get into a habit. I do like swimming.

    XX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • Sun Addict
    • By Sun Addict 28th Sep 18, 8:06 PM
    • 6,332 Posts
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    Sun Addict
    68 a month sounds very expensive to me even with a steam room/sauna. I think the average price is 32 a month. It's ultimately up to you though.
    Virtual Sealed Pot 2018 404.08
    Debt 2180
    Weight loss 0/6LBS
    Emergency Fund 4000/10,000
    • Pooky
    • By Pooky 28th Sep 18, 8:30 PM
    • 6,924 Posts
    • 44,208 Thanks
    Pooky
    Sounds very pricey to me for swimming and sauna. Push yourself to go to a "pay as you go place" for a few weeks and see just how much you actually go. Swimming this time of year is always harder, dark cold evenings don't exactly inspire you to go get wet.

    Walking the dogs daily should be giving you a decent bit of cardio and as a teacher you're on your feet and moving about lots during the day.
    "Start every day off with a smile and get it over with" - W. C. Field.
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