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  • FIRST POST
    • foxgloves
    • By foxgloves 27th Feb 18, 4:06 PM
    • 4,399Posts
    • 23,478Thanks
    foxgloves
    Put away your purse & become debt-averse
    • #1
    • 27th Feb 18, 4:06 PM
    Put away your purse & become debt-averse 27th Feb 18 at 4:06 PM
    I've decided to start a diary to show that it's possible to change from a terrible money waster into a a bit of a budgeting ninja. OK, I'm not perfect....we all have slip-ups now & again....but I am proud that by my budget efforts & our surprising willingness to change from big silly spenders (we really were a pair of narnas!) to really quite sensible people, we managed to become debt-free. We paid off around 35k & really, just learned how to live differently And you know what? We really enjoy it! Turned out that all that spending & having to have stuff immediately didn't really make us happy. Who'd have thought it?
    Pre-LBM, my principles for money management were:
    1) Buy pretty much whatever I wanted when I wanted. Overdraft was seen as another word for 'more of my money'.
    2) Open bank statements, look at the balance through semi-closed eyes, carefully fold & replace in envelope & put in drawer.
    3) Tell myself bank balance is fine because it's only 3 weeks till pay-day.
    4) Always withdraw useful wodge of cash the week before pay-day just in case that pesky bank was planning to show me up in the supermarket by stopping my debit card.
    5) Never budget - why waste time on this when my own system worked so well?
    6) Tell myself not to worry about savings. They would be nice, but I 'didn't earn enough'
    That was about it, really. I didn't budget at all & made no effort to spend within my means. I lived outside my means from the age of 19 & didn't become debt-free till my 40s!
    The LBM was huge. I had it first & my partner showed initial signs of resistance, but when he saw my debts disappearing, he soon wanted in on the act & is now like a different person with money.
    Two years ago, we borrowed a modest sum to help us buy a car, We always knew this would happen & we made sure we saved up a good deposit. It was always our intention to re-pay the loan early & we did manage a nice overpayment of 2000 last year. However, our 2nd overpayment was almost ready to pay in when we had a string of expenses which we didn't want to put on credit cards, so we used our loan overpayment money to pay those. Last year was difficult in many ways & although we didn't return to our previous naughty spendiness, I think I started to lose some of my focus. Before Christmas, our Loan Pay Down Fund (LPDF) was down to just 60. Now it is already up to 421, really just from little savings, selling a few bits & bobs here & there. One thing I'm going to be really BIG on this year is 'Shopping from home', as in doing that first, to see if a spend can be avoided. I've got off to a really good start with that, starting with my new year de-cluttering & have found all sorts of useful stuff that will save me money further down the line. I also intend to do a full kitchen cupboard audit. Although I'm a DFW 'Small things' regular, I've never done a DFW diary before, so I'm going to use it to focus my efforts & get that LPDF up to 1000, then the next 1000, etc, asap. If you are the sort of person who gets excited about the contents of other people's cupboards & the satisfaction of saving a few quid here & there, then do join me for sharing ideas, laughs & moans, & I promise to throw in a few tales from my Spendy Decades - I have kept a journal for a lot of my adult life & I absolutely wince now, reading some of those diary entries about my cavalier attitude to money. I suppose they show that if I can change, anyone can! Oh well, onwards! I loved being debt-free & just a small amount of effort will mean that I can soon be again.
    F x
    Last edited by foxgloves; 27-02-2018 at 4:13 PM.
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
Page 11
    • Redrose
    • By Redrose 13th May 18, 11:38 PM
    • 145 Posts
    • 139 Thanks
    Redrose
    Thank you foxgloves...you have given me some something to think about on how I am going to tackle my financial problems and put my budgets into practice. ...

    Sweet dreams
    Going start looking after the pennies, and the pounds will take care of them selves
    • foxgloves
    • By foxgloves 14th May 18, 7:23 AM
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    • 23,478 Thanks
    foxgloves
    Am up, dressed, ultra-motivated & ready to go! Job list to hand & just finishing an enormous coffee. Then I'm on it. Will report back later, but by tonight, my budget & household organisation will be back to their usual level of function.
    Right, off we go!
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • Redrose
    • By Redrose 14th May 18, 8:00 AM
    • 145 Posts
    • 139 Thanks
    Redrose
    Good Morning Foxgloves


    lovely to hear you are on motivated and will be back on top on things


    Because its the middle of the month, and already had to borrow out of my savings account, I feel frustrated that I can not put my budgets into practice, it took my a while to fall to sleep last night, head going round and round about money, saving and paying CC......


    So if I only do one thing today its going to take my CC out of my purse


    Red xx
    Going start looking after the pennies, and the pounds will take care of them selves
    • foxgloves
    • By foxgloves 14th May 18, 4:57 PM
    • 4,399 Posts
    • 23,478 Thanks
    foxgloves
    Hi red - Yes, I remember that feeling well.....I've been a shocking insomniac over much of my adult life & money worries, like any worries can really magnify at night when you're lying there, unable to sleep. As it's mid-month, it's probably worth just doing damage limitation for the rest of May, by spending as little as possible, just essentials, then when pay-day lands, that's when I always do my new monthly budget because I have got an accurate picture from online banking of what exactly is in our account once the money's gone in. Anyway, I'm sure you don't need me to tell you how to budget, I just meant that as it's mid-month & you are already fretting about dipping into savings,then probably the only option at the moment is just to pull in all but essential spending & to motivate yourself for a full-on bit of lightbulb activity as payday looms!
    Good luck!
    F
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 14th May 18, 5:15 PM
    • 4,399 Posts
    • 23,478 Thanks
    foxgloves
    Hello Debtbusters,
    Well, I have achieved a lot today. I've bottomed out my admin basket & cleared every single piece of paperwork in it. As in dealt with it, not just moved it to another pile. I've done my mid-month budget check-in, which is a regular thing for me around this time of the month. I get an up to date online bank statement, check what payments are still to come out, plus how much grocery budget then I reconcile what I should have from the budget I set at the end of the previous month on pay-day with what we actually have. It's been so useful. Actually, we're not all that far adrift. The only overspend has been groceries. I was surprised at that, actually, as we had a decent underspend last month, but my figures are accurate & we have 31 left for our final shop of this month, instead of the 50 we would normally have. I thought about whether just to insist on a tight week, using up everything we have, so that it comes in at 31, but I think this is unrealistic, really. I know only too well that when we set unrealistic financial targets, we tend not to meet them, which means I have to alter the budget again, plus feel like we've failed. Instead I've subbed in 19 from this month's emergency cushion (I like to leave around 100 to 150 in our current account in case of unforeseen circumstances.....it's already been useful this year for things like a wiper blade flinging itself off the car, taking Mum out for coffee to treat her, etc) as I would rather do that, than be disappointed when we're in the supermarket at the weekend trying to get everything on our list for 31.
    I've swapped some funds around to keep all our different budget pots accurate & I'm about to finish off with a big filing session, as I can't bear not to be able to find paperwork when I need it. To think during the Spendy Decades my financial filing system was a drawer where I flung my bank statements!
    I haven't been able to pay any additional money into our Loan Pay Down Fund today, but that's not unusual for mid-month in my budget cycle. There are 2 opportunities for payments hoving into view though......one will be 50 from my partner's recent Ugov cash-out & the other will be a similar amount from Paypal from all sorts of miscellaneous payments. Ziffit has paid up promptly & I have another small ebay sale too, so those bits & pieces in Paypal are building up nicely. Next survey cash-out will be Onepoll - it's slow going at the moment, but that 40 will be very useful on top of the 100 just mentioned.
    I am so organised with money these days since I became a reformed character & I really don't like the feeling when I haven't been able to devote the time to it & it feels like it's starting to get away from me. All fine now though! Everything money related dealt with. have also baked bread & done rubber chicken duties today - 4 days of meals & a lunch from that chicken, so that's got to be a saving in itself.
    OK, must crack on. Hope everyone else who needed a good start to the week has managed to get one. if not, don't beat yourself up, just start again tomorrow.
    Bye,
    F x
    Last edited by foxgloves; 14-05-2018 at 5:17 PM.
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • crazy_cat_lady
    • By crazy_cat_lady 14th May 18, 8:56 PM
    • 4,126 Posts
    • 35,331 Thanks
    crazy_cat_lady
    You spurred me on for a good start to the week too Foxgloves. I got all of my work stuff done, and bagged a nsd, as well as swallowing a couple of frogs.
    November in NY #20 NSD = 9 1 debt vs 100 days 328.51/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • Redrose
    • By Redrose 15th May 18, 7:26 AM
    • 145 Posts
    • 139 Thanks
    Redrose
    can I ask a question


    Crazy_cat_lady - you swallowed a couple of frogs ???
    Going start looking after the pennies, and the pounds will take care of them selves
    • foxgloves
    • By foxgloves 15th May 18, 10:44 AM
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    • 23,478 Thanks
    foxgloves
    Lol - I've swallowed one too, this morning! There's a link a little further back in my diary which I think PurpleFairy provided, which explains this theory. Do read before you contact the Amphibians Protection League!
    F
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • PurpleFairy26
    • By PurpleFairy26 15th May 18, 5:20 PM
    • 2,410 Posts
    • 16,381 Thanks
    PurpleFairy26
    Well done on all the frog eating folks (no frogs were actually eaten in the making of this blog

    I've eaten a few in the past couple of weeks and done a few tasks I've been procrastinating about for ages. Feels very liberating. I'm definitely feeling up and at 'em this week foxgloves thanks for getting us motivated
    • foxgloves
    • By foxgloves 15th May 18, 5:27 PM
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    • 23,478 Thanks
    foxgloves
    You're welcome, PurpleFairy. It was good to go & open the curtains in my little HQ room this morning & not have to see that admin basket bursting over with un-tackled tasks. Have now turned my attentions to learning how to ride a bike again (will save on fuel & car parking charges) & garden jobs (will save on grocery budget if we have lits of nice homegrown fruit & veg to pick. I like it a bit cooler for digging & planting, but have still achieved a fair bit x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 15th May 18, 5:32 PM
    • 4,399 Posts
    • 23,478 Thanks
    foxgloves
    P.S - PurpleFairy - the trick with the frog swallowing is definitely to do it early. I cleared the breakfast dishes away & was just about to start something else when I came face to face with the laptop which was sitting on top of the freezer & I just said out loud, " Oh for PITY'S SAKE, woman, just send the bloody email!!" So I did. Frog gulped down & I've received a reply, so this job will finally be done@
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • Redrose
    • By Redrose 15th May 18, 8:32 PM
    • 145 Posts
    • 139 Thanks
    Redrose
    I am loving the frog eating thread..... ( yes I found it ) and totally agree with it...... I am still waiting for me to eat/swallow my first frog, but I know it will come ...... I love it .. what a great way to deal with tasks that we all put off.


    I am just loving reading our diary Foxgloves, you are giving me so much determination to sort my life out - Thank you
    Going start looking after the pennies, and the pounds will take care of them selves
    • foxgloves
    • By foxgloves 16th May 18, 8:39 PM
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    • 23,478 Thanks
    foxgloves
    Can you believe I had to eat that same bloody frog again this morning due to a change in mr f's work schedule meaning we could no longer make the appointment date I arranged?!! Got it sorted first thing while it was kind of just still a tadpole.
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 16th May 18, 9:03 PM
    • 4,399 Posts
    • 23,478 Thanks
    foxgloves
    Evening debt-busters,
    Was pleased to find that mr f's Ugov cash-out money was in our account this morning, so I was able to pay that 50 straight across to our Loan Pay Down Fund.
    I also did a meal plan for next week & shopping list, as we've placed an.online order this evening. I've already mentioned that I've subbed an extra 19 to this month's grocery budget to deal with an overspend, so I was determined that we would be within our 50 target this week. This called for an extra cafetiere & some serious 'shopping from home'. Maximised stuff from freezer for meals & built in a meal where I can scale it up easily & freeze a spare. Checked everything before I wrote it on the shopping list. Chose a cake recipe to bake for Mum when we visit at the weekend & made sure it was one where I have plenty of the ingredients in stock & only two needed buying....both mainstream sensible things which will be used in future bakes, as opposed to the more 'maca-powder coated organic baby goji-berry flakes' end of the market!
    Our online order did indeed come in on budget, so much so in fact, that we were able to include a bottle of wine, a couple of beers & a spare 500g pack of mince for the freezer which I'm already mentally converting into meals.
    Going back to the 'Shop from.home first' mantra, in my head we needed loo rolls, loo cleaner, washing up liquid, tinned tomatoes & cheese. I would normally have added these to the list. Worth checking, as we didn't actually need any of them & they'd have added a fair few quid to the bill.
    Well, that's today's thoughts.
    Next payment into Loan Pay Down Fund will be from bottoming out our Paypal account, so roll on that day!
    Hope everyone's managed a decent day,
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 17th May 18, 8:42 PM
    • 4,399 Posts
    • 23,478 Thanks
    foxgloves
    Hi Debtbusters,
    Had intended to do a bit more out in the veggie garden than I actually achieved, but was pleased to see the first sweetcorn seedlings just poking through. Such a lovely crop to grow & cook fresh from the plant.
    I got side-tracked in the kitchen this afternoon, but all good stuff. I doubled up on the pasta bake for tonight & made an extra one for the freezer. Based them on a chunk of leftover chorizo & a couple of unused peppers I sliced & froze a couple of weeks ago. We've always got onions, garlic, herbs, celery, frozen peas, cheese, tinned tomatoes, etc, so it's an economical use-it-up meal.
    Well, I went a bit all smug Mrs Money Saver then & decided to tackle the extra pack of mince I bought yesterday when I saw it was only 1.79 for 500g. Froze half of it to make a chilli & turned the other half into two big juicy quarter-pounders. I didn't do anything lah-di-dah fancypants with them, just a bit of finely chopped red onion, some dried winter savoury, which I grow in my herb bed, a dash of soy & worcester sauce & a bit of seasoning. Also frozen, so that's two days of useful meals in there for future meal plans.
    Halo still glimmering so filled up all our tiny plastic snack boxes with dried fruit ready for packed lunches. So much quicker just to grab one out of the cupboard & much cheaper to buy the reusable boxes once (pound shop) & fill with value dried fruit than the little already-filled branded boxes from the supermarket.
    Final job was mixing up a sourdough loaf which I'll bake tomorrow first thing, then a quick move around in the freezer to check what needs using up.
    Eeeeeuuww.....cat is licking my leg. Time to go!
    Hope everyone's had a good day.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 18th May 18, 7:18 PM
    • 4,399 Posts
    • 23,478 Thanks
    foxgloves
    So today, I had two meetings which I was expecting to be very difficult. They weren't as bad as anticipated & I enjoyed walking around town looking in the shops while waiting for mr f to finish work for a lift home. Since the LBM, I rarely go shopping without a mission. I paid some cash into the bank & bought a couple of well-priced birthday cards from a little indie shop. I also bought a new snappy collar for our cat, as his current one is quite stiff & is rubbing his skin. Apart from that, I just enjoyed looking round......but honestly, the stuff I thought about buying......
    * a bra (why? Only recently had 2 nice new ones)
    * a nice A4 notebook.(have a lovely unused one from Christmas).
    *a set of 30 different coloured reels of sewing thread (I've only actually run out of black & white!)
    *Bubble bath (we have half a bottle on the go & a full unopened one in my toiletries stash).
    *a packet of sparkly pipecleaners (what was that all about?)
    *a cauliflower (having already a. Done the meal plans b.Already done grocery shopping & c. Definitely no cauliflowers required!)
    So I'm grateful to be several years past the LBM, otherwise I might be sitting here now in a new bra sewing glittery pipecleaners to a large brassica! So funny wandering around asking myself why I was even semi-contemplating any of this daft miscellany of stuff. I guess it's that whole thing of not having a defined purpose, so the act of 'shopping' became an activity in its own right.
    But I honestly did return home only with 2 birthday cards, cat collar & a paying-in receipt from the bank!
    Anyone else find that wandering around town without a mission results in some odd temptations?
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 19th May 18, 12:26 PM
    • 4,399 Posts
    • 23,478 Thanks
    foxgloves
    1LL - Yes, it's funny how so many unplanned spends contribute to busting both the budget & the calorie allowance!
    I'm ok with 'just looking' on a shopping trip if it is still a 'mission'. i.e I could set out to look for, try on & price up a new top or a coat without being tempted to spend off list, even if I had no intention of actually buying the item that day. I think it's the pootling around the shops with no mission at all which is where silly stuff starts to look tempting. Absolutely LOADS of my pre-LBM spending was racked up in this way. Shops, garden centres, craft markets, antique & vintage fairs......oh dear, the shabby chic vintage syuff could really be a 'debtisode' for another day......
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • foxgloves
    • By foxgloves 19th May 18, 12:36 PM
    • 4,399 Posts
    • 23,478 Thanks
    foxgloves
    Redrose - I'm glad you are feeling inspired. If anyone had told me 10 or 20 years ago that I would turn into a sensible budgeting person, I'd have laughed all the way to the cashpoint! Hope you are progressing your money saving plans/budget. Best time to get a real grip is pay-day so you can see exactly what your true position is & can work out the new month's budget based on what you have. Of course it can take more than a month to get out of overdraft if you have one of those, but it's still possible to put a plan in place to reduce it each month. Finally getting rid of my overdraft (which I'd had since I was 19) was such a key marking point because from then on, ALL my salary was available each month, instead of a big chunk of it disappearing straight into a black hole.
    Good luck with it, anyway. It truly is possible to change.
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 403
    • Hopeless Case
    • By Hopeless Case 19th May 18, 5:37 PM
    • 888 Posts
    • 5,332 Thanks
    Hopeless Case
    Afternoon Debtbusters,
    Well, it took a couple of days longer than I expected, but that Paypal payment finally rocked up in our account today & I transferred all 84 of it to the Loan Pay-Down Fund, which is now up to over 600.....or ten times more than it was in December. This 84 is a definite reminder that every little helps, as it's made up from all sorts of little bits & bobs - the biggest amount was 40 from Prolific Academic surveys, but the rest was made up from a couple of ebay sales, selling one of my little hand-crafted items & selling a few old books & CDs to Ziffit. I've dropped another box of Ziffit sales off for Collect+ today......only around 9's worth, but all these bits & pieces do add up. They certainly added up back during the Spendy Decades when my money was busy flowing out in the wrong direction, so it's got to be true the other way round too.
    Oh, I've remembered I said I'd share a few more stories of when, back in the day, the 'light bulb' flickered for a moment before being extinguished in a haze of shopping. I've kept a journal for a lot of my adult life, so flicking through those, it's so easy to see that there were times I was worried about lack of money, but not enough to sustain an LBM longer than a couple of days. Oh well, that can be a 'debtisode' for another day, as I need to get this sourdough bashed up & put to prove, & to get on with a few kitchen jobs.
    Hope everyone is having a productive week. If not, try not to worry too much, there's another week coming, & you can start again on Monday.
    F x
    Originally posted by foxgloves
    Loving the diary

    I had a really big sort out last year and made about 200 by selling old books and DVDs to Ziffit, Zapper and Momox - I found that if you tried the bar code in each one, prices varied wildly, eg 10p on one, another not interested and 4 on another. I got rid of all the books I did't want, some from right back to the 80s, some of which got a surprising amount. Our kids had all left home fairly recently and left books and DVDs they didn't want, so I sold boxes full. It was a bit law of diminishing returns though, by the end I was left with books I was being offered pennies for and couldn't make the minimum amount without way crashing the maximum weight, but it was fun for a while and all went off a credit card
    • Redrose
    • By Redrose 20th May 18, 8:33 AM
    • 145 Posts
    • 139 Thanks
    Redrose
    I can not wait for Payday, not that I am that skint, but I want to get a real good start on my new adventure, Friday I found a 2018 diary at work, that had not been used, ask the boss, if I could have it - so I have a new budget busting book ( at no cost to me ) normally I would buy a lovely fancy book, but a book is a book after all, - going to use it to write down all my out goings DD etc. incomes, also going to use it to write down my social dates so it will make it easier to budget for nights out,


    Already set my food budget at 50.00 for 2 me and dh, and 3 fur babies (50.00 cash in a separate purse), going to set my spends at 100.00, but will reduce this at a latter date.....


    I actually went into town centre yesterday need to buy a birthday card, went into shop brought card and came home, normally would have been into clothes shops looking for new outfit for party. Sorted out my wardrobe and hey ho found a lovely summers dress and once rocked up with a few bangles and necklace, dh said I looked stunning.......


    I need now to sort out of dvds, and cd, to see how much I can make from them........


    Have a great day everyone, the sun is shining and life is beginning to look very rosy ......


    one more thing before I go hubby, decided to tackle our rotten window, cost to replace 500.00 - old house old sash windows........ as done a pretty good job, at a total cost of just under 100.00, I am well and truly happy...... now for the next 5 windows xxxxx
    Going start looking after the pennies, and the pounds will take care of them selves
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