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  • FIRST POST
    • redofromstart
    • By redofromstart 31st Jul 17, 7:37 PM
    • 632Posts
    • 3,589Thanks
    redofromstart
    <<<out of cheese error>>>
    • #1
    • 31st Jul 17, 7:37 PM
    <<<out of cheese error>>> 31st Jul 17 at 7:37 PM
    New name, new diary, new approach! I regularly read, and sometimes post, on the diaries of others but haven't started one myself as it is such a public thing to do. Anyway I need to stop drifting and get our finances back on track before we run out of cheese.


    Family is:
    Me - PT, self employed, bit of this bit of that. Currently on a PT contract with a few months to run.
    OH - generally works as a consultant and has a famine or feast income. On a rare direct employed contract at the moment
    DC - two boys


    Biggest challenge is a huge mortgage, taken out in the days of huge lending and post retirement mortgage dates. Stuck on high SVR as we haven't managed to both be in secure employment at the same time for years. The plan was to overpay and reduce the term but life got in the way a lot.
    10 years of chipping away at it may mean we can now try to remortgage but the barriers are two debts that I need to deal with so that they do not impact on affordability.


    Debt 1 is a student loan, £840 left at £94 per month - 1.5% interest (maybe?)
    Debt 2 is a 0% credit card, £2500 with over a year left to run. This is a carry over from the last famine, and has been reduced from a total that was closer to 15k.


    We do have a couple of months mortgage in savings, but that is the 'emergency job switched off fund' and is generally untouchable.


    OHs works full time and his wages cover the mortgage, and basic outgoings. Its up to me to generate the income for overpayments and debt clearing . I have to work round the boys as we don't have family local or any childcare in place.


    This diary is to try and keep me on track, before the big red lever turns the mortgage off. If we can remortgage, even with reducing the term to his retirement date, it knocks £200 a month off our payments which is a huge amount of leeway next time the famine hits.
Page 24
    • Cumbria lass
    • By Cumbria lass 6th Dec 17, 8:19 PM
    • 915 Posts
    • 4,664 Thanks
    Cumbria lass
    I love the tutting party . You will hate me but I love cleaning , maybe I should offer my services to all the MSE folk who dislike it.

    The family furry pet dog has just cost £1200 at the vets , thank goodness for pet insurance. Hope yours is on the mend . Also that your leak is now mended , the dehumidifier will dry it out.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • MrsChaos
    • By MrsChaos 6th Dec 17, 8:31 PM
    • 1,958 Posts
    • 40,332 Thanks
    MrsChaos
    Another one for the tutting circle, here, although you would probably do more than tut, if you saw this place.

    There appears to be a seeping leak under the newly fitted washing machine. I'll have to phone them tomorrow and hope that they can come out on Friday.

    Dinner was an assortment of stuff from freezer and cupboard - we'd planned to go to Ikea for a Christmas tree (and probably coffee and cake), but they're out of stock until tomorrow.
    • RosaBernicia
    • By RosaBernicia 6th Dec 17, 8:35 PM
    • 3,276 Posts
    • 8,410 Thanks
    RosaBernicia
    And another for the tutting circle, please... do we draw names from a hat or is there a rotational system?

    I like ironing but hate hoovering so if anybody wants to trade...


    Rosa xx
    Debt free May 2016... MFW progress 2.3%


    • pennywisepoundstupid
    • By pennywisepoundstupid 7th Dec 17, 4:38 PM
    • 4,439 Posts
    • 13,872 Thanks
    pennywisepoundstupid
    Hi managed to read all your diary today, it's been a great read.

    Someone needs to come and tut at my house to, the one good thing about living in the sticks is that I usually get a phone call if someone is coming round, gives me long enough to dump all the mess in a bedroom and shut the door, give the bathroom a quick once over and run a hoover round, I have been known to hide dirty pans in the oven.

    I hope the cat feeling brighter and ouch to the vet bill.
    Be mindful of your self-talk. It's a conversation with the Universe."

    Debt free and saving for my future
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Dec 17, 6:09 PM
    • 2,300 Posts
    • 11,192 Thanks
    HairyHandofDartmoor
    Redo Can I join the save-on-a-cleaner-tutting-circle please?
    Originally posted by doingitanyway
    Glad you got the leak sorted and that you can repair the oak cupboards

    Hope the fluffster doesn't cost you anything further. Vets bills are extortionate.

    Nothing like a visitor to get you cleaning If Mr SA's sister is coming round I practically redecorate the whole house!
    Originally posted by Sun Addict
    I only clean properly when people visit too. I should invite people around more often .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • redofromstart
    • By redofromstart 7th Dec 17, 9:18 PM
    • 632 Posts
    • 3,589 Thanks
    redofromstart
    pennywisepoundfoolish

    I'm glad its not just me. A webcam inspection wouldn't work either - I'd put more effort into creating a screen than I would the actual cleaning The kitchen is still clear, and am keeping the dehumidifier running until it dries out enough to see the extent of the damage.

    Water people say I have to get two quotes for the damage caused by the leaking water meter - which is fine but OH will fix it but can't claim for his lost time or the materials (as we bought a bulk lot of unplaned character american oak years ago and still have more than enough left). And we could have replacement flooring as the water has gone underneath, but on a like for like basis a nominal contribution towards five year old cheap vinyl isn't exactly going to be worth claiming for which is rather annoying given that I would have to buy and fit a new vinyl as we don't plan to put a permanent floor in until the rest of the work is completed.. Have I thought about claiming on my house insurance on a new for old basis? No, why should I for something that wasn't our fault?

    Forecast here is for snow overnight, and snow for the next few days. Must panic buy food
    • MrsChaos
    • By MrsChaos 7th Dec 17, 9:35 PM
    • 1,958 Posts
    • 40,332 Thanks
    MrsChaos
    No snow here until Sunday, but the next two days are forecast to be very cold. Not convenient, then, that my new thermal wellies are taking an age to arrive.
    • redofromstart
    • By redofromstart 8th Dec 17, 8:10 PM
    • 632 Posts
    • 3,589 Thanks
    redofromstart
    Tiniest amount overnight for us. More forecast so I finally made a proper effort at buying bits for the boys stockings, etc. Also bought a tree. Might even put it up over the weekend, if I can manage to clear a space.

    Trailed round far too many shops and have done virtually nothing since beyond lighting the woodburner and putting my feet up. Fat Cat is innabox in front of the fire, roasting gently. I'd like to be a cat.



    Forgot to get:
    1. Fuel
    2. Gift voucher - need for 18th
    • Sun Addict
    • By Sun Addict 8th Dec 17, 8:19 PM
    • 4,761 Posts
    • 28,344 Thanks
    Sun Addict
    I think I'm going to be a cat in my next life, they have a great time and all they have to do is look cute. I can do cute
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • greenbee
    • By greenbee 8th Dec 17, 8:26 PM
    • 12,264 Posts
    • 216,380 Thanks
    greenbee
    I'm coming back as a cat too. You don't even have to do cute. Bossy seems to work perfectly well for some...
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Dec 17, 8:28 PM
    • 2,300 Posts
    • 11,192 Thanks
    HairyHandofDartmoor
    I think I'm going to be a cat in my next life, they have a great time and all they have to do is look cute. I can do cute
    Originally posted by Sun Addict
    That's always been my ambition SA, cats have a great life .

    I hope you get your tree up redo, there's nothing like a Christmas tree .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • greenbee
    • By greenbee 8th Dec 17, 8:31 PM
    • 12,264 Posts
    • 216,380 Thanks
    greenbee
    I hope you get your tree up redo, there's nothing like a Christmas tree .
    Originally posted by HairyHandofDartmoor
    Particularly one with a cat in it
    • redofromstart
    • By redofromstart 10th Dec 17, 3:14 PM
    • 632 Posts
    • 3,589 Thanks
    redofromstart
    The tree is up, and has largely been ignored by the cats. Instead they are distributed evenly through the house, having finally given up on checking if it is snowing out of every possible exit. The garden is pretty for once with a thick blanket hiding evidence of neglect.

    Bird table cleared, water and food out. Speckled thrushes, robin and blackbird so far so I am glad I made the effort.

    I have made a batch of the carnation fudge which has turned out well, just the right side of toffee so the answer is to cook it for longer.

    Bread rising ready to go into the oven, lamb ready to roast, which will be served with the rest of the veg box. I'm going to make celeriac puree, and freeze the rest for Christmas dinner rather than leave it getting stale in the fridge. Think I am going to do a veg box order for 20th, and then one for between Christmas and New Year, with the aim of not having to go into a big stupidmarket in between.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Dec 17, 3:47 PM
    • 2,300 Posts
    • 11,192 Thanks
    HairyHandofDartmoor
    You sound very organised with the food redo.

    I can just imagine the cats' reactions when they saw the snow .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • doingitanyway
    • By doingitanyway 10th Dec 17, 6:36 PM
    • 2,221 Posts
    • 10,270 Thanks
    doingitanyway
    I love the celeriac puree idea and freezing it in advance is genius.
    I will also be getting a veg box R1verf0rd but if I can get hold of a Mr M wonky veg box that would do me nicely instead
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,475
    MORTGAGE FREE 25/07/16
    • MrsChaos
    • By MrsChaos 10th Dec 17, 7:45 PM
    • 1,958 Posts
    • 40,332 Thanks
    MrsChaos
    Celeriac sounds great! I also like it diced, cooked, and dressed in a sour cream salad dressing. Needs to be well chilled, though.
    Sounds like you had a productive weekend and have a plan in place for the holidays.
    • Sun Addict
    • By Sun Addict 10th Dec 17, 8:54 PM
    • 4,761 Posts
    • 28,344 Thanks
    Sun Addict
    Mr M wonky veg box back in stock online DIA.

    Redo - the only time my garden looks nice is when it's covered in snow, hides a multitude of sins
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • doingitanyway
    • By doingitanyway 10th Dec 17, 10:05 PM
    • 2,221 Posts
    • 10,270 Thanks
    doingitanyway
    Thanks Sun Addict. How do you find Mr M for your online shop? I am thinking of using them...
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,475
    MORTGAGE FREE 25/07/16
    • tantaraza
    • By tantaraza 10th Dec 17, 10:54 PM
    • 16 Posts
    • 49 Thanks
    tantaraza
    Hello, hello! As a fellow cheese lover I clicked on your diary in horror at the absence of cheese and couldn't stop reading... all those yummy recipes really put me to shame, I should actually cook instead of picking up fast food or meal deals constantly

    I hope you don't mind if I decide to lurk for more recipes / motivational inspiration as you've done really well with paying off the last of the debt and getting that remortgage sorted on a variable income

    I feel your pain on tyres though, I had two new summer tyres on in October thinking as it hasn't snowed here for years I could keep the summer tyres all year -- now we have 4-6 inches of snow here and a set of 4 winter tyres for my little hatchback is £292!!!
    • Seasidegal58
    • By Seasidegal58 11th Dec 17, 9:12 AM
    • 1,191 Posts
    • 6,694 Thanks
    Seasidegal58
    Thank goodness the cats have ignored the tree! I was imagining one sitting on each branch!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
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