Hi all,

Well we all had a lovely day, i went and bought myself a vase, supposed to be £10 went to the till and it was £4 bargain! Yes i know shouldn't have spent money but a friend bought flowers for me and i didn't have naywhere to put them.

After this we went i.e the whole family went to my mothers for sunday lunch, which i have to shamefully say was far superior than our christmas meal there.It was nice just chilling and relaxing.

After  that home time for us.

I've spent the dya thinking of how were going to do things next month.
Its going to be hard but needs to be done.

I'll be back on tomorrow with hopefully a basic plan of what will happen.

Back tomorrow peeps

kez x

New Year New Start

I've had a turbuent few months this year so i haven't been able to post. I've been on os many painnkillers i feel like a walking pill box :(

Myself and my partner have gone through our first year of being employed, its been hard, tiring but also good. Its amazing what you through in such a small amount of time.
We've got a website up and running, so if need a fully Gas Safe Qualified Plumber / Gas Engineer my partners your man lol. Daft thing is my line was far better and less corny than the one Yellow Pages came up with!

Heres our website if you wish to have a look at it. Any feedback, opinions on what you think of it would be great.
http://www.apexgas.co.uk/

Decided 2013 is going to be the year we will be financially and emotionally better off.
Health wise its been a hard few with my yungers sons needs as well as my own.
My osteoarthritis has brought me literally to my knees, i now have to use a wheelchair if i wish to leave the house. My partner has been pushing me about, so we've been naughty and going out for coffee. Roll on January and i might be walking without crutches once more!

So heres the idea so far:

No Spend Days - These are days where i don't spend money on rubbish.I won't be counting direct debits or credit card payments as they essential. But everything else will be carefully watched.

Doing basic exercise at home -  this includes physio and basic gym work i do on the the bed, floor and stairs.

Shopping - spending less money on food, bills, clothes and everyday things. This will done by using coupons, vouchers and lots of reduce food when available.


I'll more tomorrow when i get my brains around things, i'm still muddled with pain killers and anti-inflammtries so i apologise for spelling mistakes and things.

Bye for now and good luck xx

kez x

arghhh another spend day

 darn shopping!!!!!!!

Well today we spent an absolute fortune on takeaway food. As we couldn't get into the kitchen because of the floor tiles being put down. We ended up having dinner in a hotel, the foods cheap and they sell the most amazing cakes hmmm yummy!

The boys enjoyed it to, so we all enjoyed a meal before my Oh goes to away for a few days.
 So although i spent money when we didnt really want to, the food was really good and filled us all up.
The sky was amazing, all the read looked fabulous.

Thats today, fingers crossed it turn out r1ght.

Inspired by frugal queen!

Well as the title suggests i decided to take part of frugal queens  stopober campaign.
I decided to try and tackle the credit card debt, which embarassingly is quite high.I've never done a balance transfer before so its all quite scary. I also never thought i would be to have any kind of credit rating to apply for another credit card.

So i decided to go on the mse site and see whats deals they are at the moment.
I ended up applying for a tesco credit card, felt so nervous applying for it, i was waiting for the dreaded "rejected" letter to pop up. Instead it said you have been accepted. I was so shocked, just hoping it doesn't get rejected over the next few days.

Still if all goes well i'll have tranferred £1280.58 to the tesco card, with 22 months interest free balance, the balance transfer fee will be £37.10. So hopefully this time next year i will have at least paid  half the balance off.

I also did a daft thing and got tempted by amazon's credit card. I know silly, i would never have applied but i thought why not, it worked with tesco. So i ended up buying a christmas present for my eldest, and if applied and got granted the credit card you £5 off any item.

Its actually turned out quite well, the bill for a new game and a new book for moi was £46.86 in total. I ended up paying a whopping £6.86 instead!

£5 amazon cc voucher
£35 of amazon vouchers
both of the items are free delivery as well yay!

Hopefully its cards cutting up time.

So take the plunge and see what you can do!

take care

kez x

its been a while

Its been a very long time since i last blogged, what with lack of time and energy things just got left behind.

The summer holidays went far to fast for all of us, we seemed to lose weeks of our lives far to quickly.
We enjoyed ourselves though.

Well i decided to start the month with a new resolution, by cutting back on everything again. The few months we've gone beyond our budget due to having lots of building, which is still ongoing as we speak.
It will be good when the bathrooms and kitchen are finished, can't wait. Luckily our landlord is paying for it all.

Today i had a monkey cat spying on me while i worked.

 This is Shadow,  she's a little minx who loves drills, stealing pencils and climbing down stench pipes.
One crazy.

As the title suggest its been blooming cold, my athristis is playing up so its had to go on. Now looking forward to the winter bills at all.
.
Till tomorrow :)

A little lifter :D

Well today i've been gardening, getting rid of bits of rubbish from the front and back yard.
Damn green fly decided to attack my little rose bush and raspberry plants today so squirted them with a mixture of washing up liquid and water. Muhahahaha, some tiny little birds seem to love the green fly so they've feasted well today!


got a shock today and found these in a pot 

I know shockingly we have strawberries yay!!!!!

All my other plants have basically died so i'm really happy with these :)

This is my view from the front door an amazing array of colours, just me feel so happy.

Hardy Oriental Lily

Marigolds

Its the little things that make life so much better, i know its sounds a bit rich. But i know how it is when you've feel rubbish and you've cutback everything you can. But instead of focusing on the negative, try instead to focus on the positive. From something as simple as having a hot cup of tea , or in my case looking as flowers in pots.

Trust it will be easier, maybe not better, but you will find a way of coping.

kez xx

Is it a bird ?Is it a plane no its supersun!!

Had a lovely day out with the boys today.They had a ride on they grandmothers horse which they really enjoyed.

We all sat relaxing in the sunshine with a book in our hands.So the boys amused themelves with a footland.

Just a quick one today as i'm sbsoluely shatterd.

kez x