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  • FIRST POST
    • RosaBernicia
    • By RosaBernicia 18th Jan 13, 11:19 PM
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    RosaBernicia
    Balancing not just the budget
    • #1
    • 18th Jan 13, 11:19 PM
    Balancing not just the budget 18th Jan 13 at 11:19 PM
    Well it's been more than a few months and I seem to still have more than a few questions, so I think it's time for a new thread

    (The old one is here http://forums.moneysavingexpert.com/showthread.php?t=3629199)
    Last edited by RosaBernicia; 18-01-2013 at 11:32 PM.
    Debt free May 2016... MFW progress 2.3%


Page 80
    • EssexHebridean
    • By EssexHebridean 2nd Oct 17, 3:58 PM
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    EssexHebridean
    Ahhhh...bearings gone on the old machine then I'm guessing - that was what killed our last one too, and yes the banging noise does rather make you fear the thing is going to leap out of the kitchen and get you! I wanted to get ours fixed but when I rang "a man" up about it he heard the symptoms, told me what was wrong, asked the make and when I said "Indesit" he just laughed and told me to buy a new one!

    Missed your earlier comments about YNAB misbehaving - that's pretty poor really, thank goodness you had the buffer fund there to cover.

    My September CC figures will also be somewhat influenced as a result of some clothes shopping...I wouldn't mind but I don't even enjoy it!
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    • ZTD
    • By ZTD 2nd Oct 17, 5:46 PM
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    ZTD
    I know I could also go and look for an alternative package but I have so much else going on right now that I don't think I can be **sed with the additional hassle of learning a new budget app. I've emailed them to complain though, so let's see what happens there.
    Originally posted by RosaBernicia
    Did you ever get to the bottom of this?

    I've adjusted things and will essentially loan myself money from the buffer fund til next payday.
    Originally posted by RosaBernicia
    Do you record that "borowing" in your budget app (if so, how?) or externally?

    I ought to do something about my food budget though...
    Originally posted by RosaBernicia
    That caviar isn't cheap apparently...

    Although I've also had a letter about the electric, apparently companies can't discriminate due to unusual meters any more... so much read that properly.
    Originally posted by RosaBernicia
    How is your meter unusual?

    Still wishing I could manage an escape north but not sure how it could happen...so just relaxing, enjoying the house and letting longer term plans brew
    Originally posted by RosaBernicia
    Like..?

    Ahhhh...bearings gone on the old machine then I'm guessing - that was what killed our last one too, and yes the banging noise does rather make you fear the thing is going to leap out of the kitchen and get you! I wanted to get ours fixed but when I rang "a man" up about it he heard the symptoms, told me what was wrong, asked the make and when I said "Indesit" he just laughed and told me to buy a new one!
    Originally posted by EssexHebridean
    Some brands essential bury the bearings so deep, they're not maintainable. AKA "brands to avoid"...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • RosaBernicia
    • By RosaBernicia 2nd Oct 17, 8:27 PM
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    • 8,398 Thanks
    RosaBernicia
    Ahhhh...bearings gone on the old machine then I'm guessing - that was what killed our last one too, and yes the banging noise does rather make you fear the thing is going to leap out of the kitchen and get you! I wanted to get ours fixed but when I rang "a man" up about it he heard the symptoms, told me what was wrong, asked the make and when I said "Indesit" he just laughed and told me to buy a new one!
    Originally posted by EssexHebridean

    The machine has been noisy ever since I moved in, and I don't think being shut in a small 'utility room' (ahem, porch) helps - next doors' sounds really loud too. But yes the clunking noises got too much, I think the drum was out of whack and just assumed it would be not worth the cost to repair. I ordered a new one before the wash was even finished but left it to go as long as it would rather than have totally soggy bedding hanging around!

    Missed your earlier comments about YNAB misbehaving - that's pretty poor really, thank goodness you had the buffer fund there to cover.
    Originally posted by EssexHebridean
    Did you ever get to the bottom of this?
    Originally posted by ZTD
    I emailed YNAB and did have a reply - they have offered to look into it if I confirm they can access the account, so I may allow that. It seems to be ok now, and I am double checking all the CC purchases show up where they should. My guess is that one of the updates froze something and another one fixed it. Probably not much to be done now, so will just be a little less trusting than before.


    Do you record that "borrowing" in your budget app (if so, how?) or externally?
    Originally posted by ZTD
    Yes, it comes out of one budget category line as a minus allocation for this month, and gets reallocated to other lines. I've just reshuffled things today to make things clearer to myself so I now have a bunch of savings pots from the small things (vet bills) through to the buffer pot (rather larger), holidays are in fun stuff not savings anymore, and there's a Quality of Life Goals line called 'Paying off the mortgage'. YNAB allows you to set goals for each category line so I know how much I need to put back in to the buffer to get back to where I started - and I also use this feature for the annual costs categories, but as the 'target balance by date' so that it helps me work out how much needs to go aside each month for eg the house insurance. I keep those separate from savings pots that are kept for unforeseen events.

    That caviar isn't cheap apparently...
    Originally posted by ZTD
    It's not caviar, it's buying fresh veg with the intention of cooking and being healthy, then finding I'm either out of the house or shattered for a few days by which time the veg is nearly compost!


    How is your meter unusual?
    Originally posted by ZTD
    It's a multiple meter apparently - not two visible, but two circuits in the house.


    Like..?
    Originally posted by ZTD
    Mostly escaping northwards and how to find a way of doing that while still paying a mortgage!


    Rosa xx
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    Last edited by RosaBernicia; 02-10-2017 at 8:30 PM.
    Debt free May 2016... MFW progress 2.3%


    • ZTD
    • By ZTD 3rd Oct 17, 8:53 AM
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    ZTD
    It's not caviar, it's buying fresh veg with the intention of cooking and being healthy, then finding I'm either out of the house or shattered for a few days by which time the veg is nearly compost!
    Originally posted by RosaBernicia
    Buy frozen. It should be "healthier" than "fresh" as it's frozen fairly quickly from picking as opposed to lurking in the distribution system for a couple of weeks/months/years. Also, you can just pour it into the steamer, wait 45 minutes for the "bing", and it's done.

    Mostly escaping northwards and how to find a way of doing that while still paying a mortgage!
    Originally posted by RosaBernicia
    See, if you lived up north, you wouldn't have that. You'd dream of escaping southwards whilst still paying a mortgage...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • doingitanyway
    • By doingitanyway 3rd Oct 17, 6:50 PM
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    doingitanyway
    I agree re frozen veg. I use fresh but I also love frozen veggies, fish too
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
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    • RosaBernicia
    • By RosaBernicia 3rd Oct 17, 7:11 PM
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    RosaBernicia
    I used to keep a stock of frozen veg... you are both right, time to do that again. Now added to shopping list

    I have just applied for another current account to get the switch benefits, as the monthly reward period has expired on one of my present ones. I checked my CreditClub report to find the amount of outstanding mortgage and am ridiculously pleased to find that the number at the front will shortly change. Only a psychological barrier really, but it's good to see that my money really is paying off a debt and benefiting me rather than going into a landlord's pocket. So, very grateful to have been given this opportunity, and amused to find that now it only feels like another CC to be tackled... it may be bigger numbers, but I have some practice at doing this now


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


    • EssexHebridean
    • By EssexHebridean 4th Oct 17, 11:08 AM
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    EssexHebridean
    Buy frozen. It should be "healthier" than "fresh" as it's frozen fairly quickly from picking as opposed to lurking in the distribution system for a couple of weeks/months/years. Also, you can just pour it into the steamer, wait 45 minutes for the "bing", and it's done.



    See, if you lived up north, you wouldn't have that. You'd dream of escaping southwards whilst still paying a mortgage...
    Originally posted by ZTD
    Frozen veg rocks - but, Zed - 45 minutes?! Do you put your sprouts on for Christmas in March, too?! Another vote for frozen fish too - I love the bags of mixed seafood or "fish pie mix" as well for giving a bit more choice in a dish!

    Rosa you're looking at the mortgage in absolutely the right way IMO - and celebrating the milestones is definitely a good thing! The spreadsheet we used to track ours also enabled us to see things like when we reached the "tipping point" of paying off more capital than interest with each payment - that's one I remember specifically as feeling like a real "win"!
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    • ZTD
    • By ZTD 4th Oct 17, 11:38 AM
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    ZTD
    Frozen veg rocks - but, Zed - 45 minutes?! Do you put your sprouts on for Christmas in March, too?!
    Originally posted by EssexHebridean
    Unfortunately I have one of those electric self-contained units which operate by continually refluxing the steam. The water gets up to a temperature which would be ideal for naked Swedes to be slapping each other with birch branches - but no luck yet...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • EssexHebridean
    • By EssexHebridean 4th Oct 17, 11:42 AM
    • 8,230 Posts
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    EssexHebridean
    Unfortunately I have one of those electric self-contained units which operate by continually refluxing the steam. The water gets up to a temperature which would be ideal for naked Swedes to be slapping each other with birch branches - but no luck yet...
    Originally posted by ZTD
    Keep hoping!
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    • RosaBernicia
    • By RosaBernicia 6th Oct 17, 10:23 PM
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    RosaBernicia
    Keep hoping!
    Originally posted by EssexHebridean
    Though be careful what you wish for




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    Last edited by RosaBernicia; 06-10-2017 at 10:26 PM.
    Debt free May 2016... MFW progress 2.3%


    • ZTD
    • By ZTD 6th Oct 17, 10:25 PM
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    ZTD
    Though be careful what you wish for




    Save
    Originally posted by RosaBernicia
    Why? What should I be wishing for?
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • RosaBernicia
    • By RosaBernicia 6th Oct 17, 10:37 PM
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    RosaBernicia
    Frozen veg rocks - but, Zed - 45 minutes?! Do you put your sprouts on for Christmas in March, too?! Another vote for frozen fish too - I love the bags of mixed seafood or "fish pie mix" as well for giving a bit more choice in a dish!
    Originally posted by EssexHebridean
    Plenty of fish and meat in the freezer already, just need to get back to keeping the veg to hand as well. I buy quality stuff and freeze it when it's on offer or yellow stickered, as I try to buy ethically produced British meat and I have a bit more faith in Wa1trose than the other options when it comes to quality standards (I did look at Ald1, but they usually say EU and I'm not sure the standards are consistent - certainly the Danish farming practices have attracted attention for the wrong reasons). Not fond of prawns though so I tend not to buy the seafood mix!

    Rosa
    Originally posted by EssexHebridean
    you're looking at the mortgage in absolutely the right way IMO - and celebrating the milestones is definitely a good thing! The spreadsheet we used to track ours also enabled us to see things like when we reached the "tipping point" of paying off more capital than interest with each payment - that's one I remember specifically as feeling like a real "win"!
    Originally posted by EssexHebridean
    Thanks EH, that's good to hear from someone with practice . It's looking like that number will change with the December payment and I'm hoping by then I will be able to start overpayments to help it along.


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


    • RosaBernicia
    • By RosaBernicia 8th Oct 17, 8:40 PM
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    RosaBernicia
    Sunday shuffle report... all looking ok, though not sure if YNAB had a CC wibble again as I thought the washing machine payment was covered and somehow now it isn't. Never mind, will just stop using the darn thing . Washing machine will be covered and some of buffer pot borrowing repaid with paycheque later this month.

    I went to a wedding this weekend and stayed over in the hotel after all - but managed to share with a friend and wangle discount so cost was much lower than it could have been and it was worth it to be able to spend the whole evening there and not worry about driving back. Was supposed to be going to a conference this coming weekend but don't really want to and also don't want to spend the money, so probably won't.

    Doing ok with ShopNScan, should have £20 worth of Ama50n vouchers with next points credit and that can go towards a textbook I need, so very welcome. Also some returns to make, which may help adjust everything again.

    So plodding in the right direction still


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


    • ZTD
    • By ZTD 8th Oct 17, 9:34 PM
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    ZTD
    Sunday shuffle report... all looking ok, though not sure if YNAB had a CC wibble again as I thought the washing machine payment was covered and somehow now it isn't. Never mind, will just stop using the darn thing .
    Originally posted by RosaBernicia
    If you don't mind them poking around your finances, why don't you take up YNAB on their offer to do tech support?

    Was supposed to be going to a conference this coming weekend but don't really want to and also don't want to spend the money, so probably won't.
    Originally posted by RosaBernicia
    What's the conference about? Why don't you want to go? (apart from the money aspect)

    Doing ok with ShopNScan, should have £20 worth of Ama50n vouchers with next points credit and that can go towards a textbook I need, so very welcome.
    Originally posted by RosaBernicia
    Anything interesting?
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • RosaBernicia
    • By RosaBernicia 9th Oct 17, 10:34 PM
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    • 8,398 Thanks
    RosaBernicia
    If you don't mind them poking around your finances, why don't you take up YNAB on their offer to do tech support?
    Originally posted by ZTD
    Mostly because at the minute I don't want more emails to worry about than absolutely necessary. I'll get them to look at it if there's a wobble once I get things sorted. I remembered that I did put in my next paycheque and budget it as if cleared, then pushed it to the real date, so I may just have remembered things wrong.


    What's the conference about? Why don't you want to go? (apart from the money aspect)
    Originally posted by ZTD
    Too many weekends rushing around the country and not enough chilling or keeping myself on track. I need a bit of time to just do very basic things like sort my winter clothes out and shop, and I really don't want to be driving across the country or staying in a hotel again this weekend.



    Anything interesting?
    Originally posted by ZTD
    Sort of... mostly needed for an exam for work, so all depends on what you call interesting


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


    • RosaBernicia
    • By RosaBernicia 23rd Oct 17, 6:27 PM
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    RosaBernicia
    Belated Sunday shuffle...

    Nothing unexpected, I have to cover the washing machine from this coming paycheque and have spent too much a lot on food (mostly due to being out of the local office a lot and spending evenings organising the house). Less spent on books, oddly - I have been watching TV instead which is free with my Pr1me membership

    YNAB seems to be mostly behaving but did annoy me last night when the mobile app decided I was exactly twice as much over budget as the desktop said. Since this included the washing machine, that was enough to make me . Half an hour later it decided they both agreed .

    Plans... well as I haven't got house things scheduled yet after all, and it looks like I can't escape to the far north any time soon , I will look at everything again on pay day but hope to make my first mortgage overpayment. Our 'cost of living' ( - not meaning to be ungrateful for this, I'm very grateful to have my job and any extra will find a good home, but it really doesn't manage to serve the intended purpose) pay increase has finally been sorted so there will be that in my next payment plus a couple of months backdated, that should cover most of a 10% extra payment. I will also sort out a letter on potential refund for mis-sold insurance, and call an electrician to look at sorting a couple of things including the meter issue as that could potentially help drop my bills.

    So wobbles and all, still in the right direction


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


    • doingitanyway
    • By doingitanyway 23rd Oct 17, 10:15 PM
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    doingitanyway
    Wobbles maybe, but you are already set to make your first mortgage overpayment. Sounding good to me
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 24th Oct 17, 7:52 PM
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    RosaBernicia
    Very true DIA... also, I have just received a totally unexpected refund cheque for over £100 from the solicitors who dealt with my house purchase. So I think it's only right that should go to the first overpayment


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


    • doingitanyway
    • By doingitanyway 24th Oct 17, 7:53 PM
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    doingitanyway
    Put your intention out into the universe and wait for it to deliver. Glad you did not wait long
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
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    • RosaBernicia
    • By RosaBernicia 30th Oct 17, 12:30 AM
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    RosaBernicia
    Sunday shuffling... I'm officially over budget as I'm waiting on a cheque to clear and a refund for boots I ordered and returned, but those should turn up shortly. I have also been spending on house stuff as I had a sudden Can Do feeling and decided to make the most of it . I have been feeling that there was so much to do and it all cost money... and then realised that it doesn't all have to be perfect, I can do things little by little, and it felt doable again.

    I have reshuffled the kitchen table to become a desk upstairs (for now - it will be replaced in the longer term, but it means I get the study sorted sooner), and bought a new kitchen table and two chairs. They look SO much better, the whole kitchen is improved, and they were just what I was looking for and still under £100 in total. The table was Ar7os and the chairs 1kea... I am realising I have very unsophisticated tastes as even in 1kea I often find the things I want are the plain, simple and cheap options! Really pleased I've done this as I just love the results. I was going to also pick up ready made curtains for the kitchen but decided I didn't really like them after all, and will order made to measure ones in the fabric I love iinstead - it will probably be nearly £200 as they are full length, but considering the amount of material the additional cost isn't outrageous and I don't think it is worth even trying to do them myself. I am beginning to accept that I can't have both a full time job with travel and also time to do much DIY... so I will just be grateful that I can afford to pay someone to do it who is rather more practised than I am.

    I also managed some gardening and tidying today, and to cook from scratch for the first time in ages. Plus Blue Planet II... so all good here


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


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