Ongoing Journey to being a Frugalista..

Seasidegal58 · 11 April 2018 at 9:01PM

Mini eggs is good in lieu of the real life chooks eggs!:D

Hope the car manufacturer reverts soon.

Enjoy your TV binge. I'm off to do that myself soon!:)

beanielou · 11 April 2018 at 9:02PM

You get orange smartie mini eggs you know

brizzlegirl · 13 April 2018 at 9:47AM

sound delish

Thanks for popping by all. Much appreciated. Wellll....its been a spendy few days...I think I would describe it as a step forward, two steps back and a shimmy to the side...

The shimmy to the side is the money transfer I took to pay off the OD. OH and I decided that it was worth the £76 to arrange it and its 0% for a year so that we can pay off. It will help enormously (psychologically wise) to have a current account that is not in the red, we just need to keep it that way. So that shimmy was planned..

The two steps back were vehicles. A large repair bill for the van, which was expected but was still a lot. I took a money transfer for that too. So that CC needs paying off rapido. But it was impossible to pay any other way (I will be frank it was over £2k) and so a money transfer seemed best rather than paying on a CC and paying interest. Then to cap it all...the car has had a major fault. After some pretty cross words and a few days the manufacturer has coughed up and the dealer has got proactive so the bill was reduced by 90%...and again folks this was not small change..way in excess of the figures above....its nuts. You can see how people get into massive financial trouble with trying to keep cars on the road. And this car is less than 4 years old. Incandescent is not the half of it..anyway. We should get it back today and the bill is now of a size we can pay from the emergency fund.

So...thats the two steps back (am I stretching this analogy too far? :rotfl:) now for the BIG step forward. The penultimate holiday card has been CLEARED! Whoop. Just one to go from the big trip over Xmas and the sneaky ski trip in Feb. Way to go Brizzle and family

The last one should go by mid May. Cant wait

and we have put a lot into pensions and the ISA this month too, so not too shabby.

May onwards will be topping up EF etc and paying off this money transfer. Slated to do all that by the Autumn and must find a way of sorting out a car too. Decisions. I will keep you posted

OH was in charge of meal planning this week and didnt do it..

we lived off leftovers from fridge and freezer though which was cheap. But not very organised. So I am doing it for next week. Hes been relegated :rotfl: Roast chicken and mash for this evening I think. I am not working so fancy a nice tea, especially as its such a bleak day. I may also try to do a class to make good use of my time off.

Decluttering rates are poor, AFDs are picking up, LSDs are OK, but NSDs are non existent.

Hope everyone is good. Thanks for reading and commenting

X

Seasidegal58 · 13 April 2018 at 1:17PM

Well done on clearing the CC and topping up the ISAs and pensions! A nice bank account in the black isn't to be sniffed at either!:)

I can totally see why you were so livid with the car bill! A reduction of 90% from the original ! How many people out there would have swallowed the first bill and got themselves into even more financial hot water.

Go brizzle!:j

mfmaybe · 13 April 2018 at 1:31PM

Oh no, the car woes are so stressful. But you've got a plan - that always helps. Having a current account in the black was the game changer for me, I have to say.

beanielou · 13 April 2018 at 8:28PM

Eeek to the cars.
At least you have a plan.
Have a good weekend.

jwil · 14 April 2018 at 8:48AM

Eeek to the huge bills :eek:

I must say, not having an overdraft is a huge relief to me, moreso than other debts. I suppose it's knowing that every penny (even if there's only a few) in the bank is mine, even if it's going to pay bills or debts.

Sun_Addict · 15 April 2018 at 3:26PM

Always good to have a bank balance in the black

Glad you got the car bill sorted, that's one thing I don't miss now that we don't have transport. I've also taken a step back this week and now have cc debt again but like you I have a plan to clear it.

greent · 15 April 2018 at 3:31PM

Grrr to car bills - but yeay! to plans to pay debts off! :T
x

brizzlegirl · 15 April 2018 at 4:09PM

Thanks guys. The final bill was even lower in the end, all paid from the vehicles EF..further discounts which of course is great. But does call the whole process into question.... alarmist is not the half of it.

Slow day today but 2 classes this weekend which is great. No running though, sorry PF, but yesterday was too nice to run and today too grey and rainy. Also did a lovely walk on Friday with OH in and around the city with lots of fields and ruralesque stuff thrown in. So lots of exercise which is great as I do not feel tip top at the moment and generally weary. More sleep needed and less saying yes I think is in order..

Meal planning done. Pretty easy meals to give us all a break and more time. Some stores to buy but not much.

Finances wise, still hopeful we are heading in the right direction. Definitely a new impetus in the Brizzle household to get on top of this once and for all

Have a good rest of the weekend folks x

Ongoing Journey to being a Frugalista..

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