Fancy a Natter?

**she who can not cook** · 07-20-2010, 05:31 AM

Tell us more Dave ramsey please . he is not well known here is he? I have been going on that site you recommended moneysaving expert and have joined savvy saving . I have been on one of these before just got a LOT OF JUNK MAIL and telemarketers called dan with a indian accent asking me HOW AM I TODAY .. btw i am on hol this week and am having a break from OU

**britbunny** · 07-20-2010, 05:57 AM

Hope you're enjoying your break.

I don't mind all that much if I get junk mail, as soon as I do I just contact the company and ask them to remove me from their mailing list (if I didn't spot a box that said "no communication" when I signed up. Most companies are pretty prompt. I had to do this with all the companies I've shopped with too as we moved house and I didn't want to junk to go to our old house. I never ever ever put my phone number anywhere I just won't speak to people on the phone. As you can tell I'm very antisocial, lol.

We have a Dave Ramsey forum here on the village, here's a link to the basics, what he calls his babysteps. The first steps are all about getting rid of debt, after that it's all about building wealth. There's a little jiggling to be done to make it UK compatible but the general outline is good wherever you are.

Expanded Baby Steps - Stolen from MYTMMO.com

I think lots of Brits would be put off as he is very straight talking and no nonsense but I find him lots of fun and really helped us get it together and get our debts paid off.

**she who can not cook** · 07-20-2010, 07:26 AM

thank you on my second break eatting will look on this site

**frugalwarrior2** · 07-20-2010, 08:13 AM

Dutchie glad it wasn't a stroke coming on.
I googled Natter-idle chat/chatter. Now I know.lol

Gray day,rained a bit last night. Stubborn cats won't say NO to coming in at night again. The 1 was starved this morning,serves him right. I must be off my teen needs a free frappe (w/ coupon) before college. She claims foggy brain from antihistamines taken for a cold. See ya.
Talk about the Ramsey thing later. gotta go sorry.

**Dutchie** · 07-20-2010, 09:20 AM

OMG IT IS SO HOT HERE!!

I don't mind some heat as long as I don't have to do anything in it.

Anyhow, we have been to the bank and got things sorted out for London. Thanks BB for the link for the hotels, I will def. be having a look.
I printed out a load of possibilities regarding flights. We just have to wait for dh to confirm his business appointments.
We will be combining the trip for Fiori with a trip for dh for business which will save us personally the price of a flight for him since the company will pick it up.
Fiori treated me to a nice lunch after the visit to the bank which was really nice of her.

Just 2 loads of laundry to do, dinner to cook and some more jam to make but first I will be having a break for 1/2 hour - I feel that I have deserved it.

**Dutchie** · 07-20-2010, 09:43 AM

Thanks one again for the link for the hotels, I finally found one that wasn't full.
It isn't a cheap hotel but is literally around the corner from her placement office so that is nice for her so that she can get used to the area.
Now we just have to wait for dh with his dates and see if they match up.

She is indeed getting excited but also VERY nervous. She is quite an adventurous person as long as people whom she knows well are around her. So this is a HUGE undertaking for her.

Thanks again.

**britbunny** · 07-20-2010, 09:57 AM

Glad you found somewhere and hope the trip goes well. DH has been to and fro to London over the last couple of weeks - it's the census next year and he has to do some work on it so he's been up and down on the train.

Please keep us informed on how your DD is getting on when she's over here. I don't know if I could be of any help but if there are ever any problems then let me know and I see if I can help (although she's probably closer to home in London than she would be to me anyway!) Once she's done the placement does she have future plans? Would she like to stay over here or is the idea that she'll return home or venture off somewhere else. Apologies if you've already told us all this my brain and a rusty sieve have many similarities, lol.

**britbunny** · 07-20-2010, 10:00 AM

Oh yes and we have some more good news, a work colleague of DH's has given us an XBox 360. We don't have any games but we can use it as a dvd player *yay*.

**frugalwarrior2** · 07-20-2010, 10:14 AM

Brit bunny-is there a place to rent them. We can for about $5. for several days. My kids test them before purchase that way.

Dave Ramsey (for those who asks) is a multimillion $ business man that was rich,lost it all and has regained his fortune. He gives step by step instructions on how to get out and stay out of debt. Baby steps it's called. His book Financial Peace University revisited is available online.
He discourages bankruptcy,encourages living on a budget,says to maintain $1000. for a baby e-fund whilest you pay off debt. He has religious based lectures but not so much that non-christians feel uncomfortable. A lot of churches here are sponsering the classes. I got his kit for $86. w/ book,tapes,course and workbook. You watch video in class and have group discussions w/ questions in the back. He is funny and it is entertaining. People w/ all diff backgrounds attend and that makes it more interesting. We are still paying off non-mortgage debt in Baby step #2 and can't wait to start making our 3-6 month emergency fund. i hope you'll check it out online. JUly 4th weekend the books were on sale for $10. plus shipping!!

**britbunny** · 07-20-2010, 10:23 AM

I'll have a look round to see if anywhere rents games, great idea, thanks!

**pollypurebred39** · 07-20-2010, 12:33 PM

Good Afternoon Everyone,

Terrible hot today and the forecast is calling for more heat. There's no end in sight so far forecasted.

I just do not find this agreeable at all, and frankly neither does our furry old man Iggy. He's wilting in this heat.

Yesterday, he became so effected by it that he just laid there on the floor and could not/would not pick up his head. Finally late last night he vomited and seemed to feel much better. This heat just really gets to him, even with the air on. But then, we do not keep our home as cool as most do with air conditioning. Our last electric bill was over $300 and that was with being frugal with the air conditioner.

I'm looking forward to Fall

I caught the stomach bug that's been going around, still feeling blucky. Maybe I'll drop a few pounds, get something for my trouble. lol.

Plan on picking up around here today, nothing much. What about everyone else?

BritBunny, What's a hosepipe? and why would you want to use one?

**she who can not cook** · 07-20-2010, 12:43 PM

Originally Posted by britbunny

I'll have a look round to see if anywhere rents games, great idea, thanks!

blockbusters will if you have one near

**she who can not cook** · 07-20-2010, 12:48 PM

BritBunny, What's a hosepipe? and why would you want to use one?

because of the Lack of rain(HAHA its throwing it down) we have a hose pipe ban we can not water our plants and gardens the reservoirs are low speaking from someone living in MANCHESTER the rain capital of the world lol

**CrazyHomemaker** · 07-20-2010, 09:41 PM

Originally Posted by pollypurebred39

Good Afternoon Everyone,

BritBunny, What's a hosepipe? and why would you want to use one?

That's a garden hose to us Yanks. You probably figured that one out, though. The people where I live call it a hosepipe, too. That confused me as well. They can't water flowers or anything. 1K is a VERY steep fine! I'm glad we have a well out here in the sticks.

It's still hot and dry here. Our hurricane season is on and we're waiting for the first one. The water should be hot enough to throw us a whopper this year. I hate bugging out.

There was a few sprinkles in the towns around us, as I was coming back from work today. Of course, we had nothing. I saw dark clouds and a couple of thunder claps, but we got nothing again. DH watered his garden. We sat and watched the water. Big time in the country!

**frugalwarrior2** · 07-20-2010, 09:55 PM

So glad we are on private well. I hated those watering bans. It would seem I would just get the grass going again and August would hit and so would a ban. Do you have ozone day bans from mowing too??

All the Blockbusters went under. Hope it doesn't there.
And honestly,I had "hosepipe" narrowed down to garden hose or lawn sprinkler myself. the pipe had me thinking metal?? My gram was from Redruth but that was a long time ago.