Frugal frump to Fab - Astonishing Autum Exquinox to Wondrous Winter Solstice

LL I totally agree. I'm currently waiting for an "At Risk" letter from my local govt employer. Hopefully my name is not in the pot this time round (or next year hopefully, as we've got an endowment shortfall to make up by April 2015) but I'm darn sure I won't be there in 5 years time. Ideally I will be working part-time, possibly for myself, although I haven't yet got any firm thoughts for what to do!

mineallmine wrote: »

Like the idea of financial fabbing. I might think of a challenge for myself on that front. Something like sort 7 financial things in 7 days. Actually I will do that starting tomorrow. So anything from update a savings account/ISA, apply to reduce/increase limits, etc etc.
:A

Great challenge there and one that I'm definitely up for in the New Year. If we do one thing each day to improve our finances - wow what we could achieve in a year.

I've made a bit of a start, ie the pension decision, but at the moment a lot of it is just research at the because DS2 and I will make a lot of changes to our budgets when we move.

We've already looked at things like Broadband/phone/tv etc. Both of our names will appear on the lease so we are going to put some things in his name so that he gets the new customer discount. Just swapping them and keeping them in my name means we can't take advantage of any offers. Plus, it will all help build up his credit score for when he is ready to take out a mortgage.

But yes, come the New Year, I will be drilling down and fine tuning the finances.

I recently bought a load of business books from Amazon (£0-01p each - bargains!!!!) and I am teaching myself.

I negotiated a brand new still in the wrappers £1200 ex showhouse bed down to £150 yesterday. I've always been a good negotiator but at one time I wouldn't have dared be so cheeky. I'm learning fast.

Today I went into the YMCA to organise them to pick up my old bed and office furniture which I won't be taking with me. They get a gift and I don't have to hire someone to remove them. Win-win. We both benefit.

I'm such a regular customer there that they have now started holding things back for me me to look at. :rotfl:

They let me have a really pretty bracelet today for £0-50p, a set of silver (plated) teaspoons for £1 and a really flash still in the box stainless steel citrus press for £2. It will look fab in my new kitchen. I've asked them to watch out for a nice writing bureau for me.

Next year I want to get really financially secure and this means honing my negotiating and selling skills, wheeling and dealing and getting really financially savvy - hence the business books.;)

Fab health, fab body, fab wardrobes, fab houses and now we are aiming for fab bank accounts:rotfl:

Can we do this ladies - of course we can - onwards and upwards!!!!.

Right Mine.

Thanks for starting your new thread.

I'll post my financial progress on there so as not to clog this one up with financial stuff.

PS I used to find financial stuff dry and boring, now I find it fascinating. I've even come to understand compound interest. And ....I'm no longer scared of maths....

I hope everyone is ok. The weather seems pretty cold across the country. So keep warm.

That's really good fedupandskint. To have a great result and save money.

No walks today as the snow/ice is tricky here. So I am behind my target. I really need to get back into swimming too. When I'm there I love it. It's not too far away. But it seems an effort to get there. I need to get my act together on this.

all the financial goals sound good I'm working on paying off debts right now, since we got married the husbandino is paying towards them too. At first I was doubtful about this as they're my debts but he, rightly, made the point that we want to buy our own place and this will help us get there quicker.
I should have my credit card paid off by Feb/March and then can save up to pay the loan off as you can't overpay it. I'd say by August next year that will be gone too.
After that we can save for a house

On the fabbing front I managed to finally master Dutch braiding so my hair is in two Dutch braids which looks cute and keeps it tidy in the wind. Good since we're heading into town after work to get some more Xmas shopping done.

I also made white chocolate and espresso truffles last night...was hoping to give them as a gift but although they taste amazing they look like something shot at and missed haha so need to practise those.
I've a recipe for dark chocolate and brandy truffles which looks easier so will give them a go tonight along with making cranberry and parma ham stuffing balls for the MIL and me for Xmas.