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  • FIRST POST
    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Jul 17, 11:47 PM
    • 15,414Posts
    • 51,872Thanks
    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
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
Page 47
    • beanielou
    • By beanielou 10th Jan 19, 8:33 PM
    • 60,049 Posts
    • 251,980 Thanks
    beanielou
    Hope you are surviving the first week back Buffster 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 10th Jan 19, 9:21 PM
    • 15,414 Posts
    • 51,872 Thanks
    Buffythedebtslayer
    so tired.

    but that is my fault - up late last night.

    Headache has pretty much gone

    enormous spot on chin.

    Paid a small cc bill.

    have 500 pounds in the bank. IF (and it is a big IF) I can hang on to that It will go on the debt.

    Did I mention I am tired.

    XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 10th Jan 19, 9:29 PM
    • 60,049 Posts
    • 251,980 Thanks
    beanielou
    Go to bed 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 10th Jan 19, 9:53 PM
    • 15,414 Posts
    • 51,872 Thanks
    Buffythedebtslayer
    Just finishing watching Death in Paradise
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • crazy_cat_lady
    • By crazy_cat_lady 11th Jan 19, 6:40 PM
    • 4,429 Posts
    • 38,278 Thanks
    crazy_cat_lady
    No tired like teacher tired...
    NST Join in January #1 nsd = 9 1 debt vs 100 days #5 50/553 Pay all your debt by Xmas '19 #56: 114.40/5750
    • beanielou
    • By beanielou 11th Jan 19, 6:45 PM
    • 60,049 Posts
    • 251,980 Thanks
    beanielou
    NOt unless it is CP tired
    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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 12th Jan 19, 10:50 PM
    • 15,414 Posts
    • 51,872 Thanks
    Buffythedebtslayer
    Evening all

    Went to the theatre yesterday, brilliant, was too wired to properly enjoy it but I did enjoy it if you see what I mean.

    It was a busy week. I have resisted Amazon and still have a reasonable amount of money, to the extent that I am going to the cinema this week and visiting a friend. Happy plans are important.

    And then next weekend is all about room cleaning. Oh and buying car insurance. Grrrr.

    XXX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 12th Jan 19, 10:56 PM
    • 60,049 Posts
    • 251,980 Thanks
    beanielou
    Happy plans are always good Buffster 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th Jan 19, 8:57 PM
    • 15,414 Posts
    • 51,872 Thanks
    Buffythedebtslayer
    Today I went to the tip twice.

    I took 13 bags of rubbish. I hadn't been the weekend before Christmas and the rabbits produce 2 bags of rubbish a week, more when it was briefly cold, plus extra Christmas stuff and some garden rubbish.

    Next weekend I will have to go again (the excitement is killing me) but I couldn't face a 3rd time as I have felt like crap all day, think a cold is coming.

    In other news SA has got me thinking about emergency funds.... as in I don't have one. And although I have had 1000 or 2 at times I have always paid off the debt with it (and then borrowed more in an emergency)

    I would need 6 grand to start with, 12 grand for 6 months.

    I also need to make a last ditch attempt for PPI.

    I shall go off and read up on Emergency funds and PPI. Again. Enormous excitement. How shall I cope?
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 13th Jan 19, 9:09 PM
    • 60,049 Posts
    • 251,980 Thanks
    beanielou
    Passes the gin to help Buffster cope!
    Get that PPI claim in.
    Mind you I got a whole 9 quid!!! 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Jan 19, 9:43 PM
    • 15,414 Posts
    • 51,872 Thanks
    Buffythedebtslayer
    Monday was EPIC-ALLY SUCKY!

    I am watching 13 Reasons Why on Netflix. I am late to the party - but it is very good.

    Need to go to bed. Have to get petrol tomorrow.

    wow my life I haven't spent anything today or ordered from Amazon.

    Not to take the !!!! but I do feel slightly like an addict standing up at a meeting.....It has been 24 hours since I last ordered from Amazon........
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 14th Jan 19, 9:51 PM
    • 60,049 Posts
    • 251,980 Thanks
    beanielou
    Not ordered from Amazon today.
    Faints in shock 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Jan 19, 10:35 PM
    • 15,414 Posts
    • 51,872 Thanks
    Buffythedebtslayer
    Not ordered from Amazon today.
    Faints in shock xxx
    Originally posted by beanielou
    I know! it is a shocker! I might allow myself to order on Thursday

    I need guinea pig food..............Little fatties! But I might wait for the pet shop as I like to go there.
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Buffythedebtslayer
    • By Buffythedebtslayer 17th Jan 19, 11:44 PM
    • 15,414 Posts
    • 51,872 Thanks
    Buffythedebtslayer
    Not ordered from Amazon today.
    Faints in shock xxx
    Originally posted by beanielou
    I had a naughty order of a CD and a present for my friend.

    Realised I needed to order a present for my friend's little girl.
    Pants.

    I am freezing.

    work has sucked. And I don't know what to do. Well ever since my old boss left I knew I wouldn't last long. So the search for a new job or different job begins.

    But then I think again about the kids. They are really good. But I suppose they always are.

    too much for Thursday Night.

    and I think the dog has just gone to wee in the kitchen. Awesome.
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
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