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  • FIRST POST
    • RosaBernicia
    • By RosaBernicia 18th Jan 13, 11:19 PM
    • 3,298Posts
    • 8,500Thanks
    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 84
    • RosaBernicia
    • By RosaBernicia 19th Dec 17, 5:53 PM
    • 3,298 Posts
    • 8,500 Thanks
    RosaBernicia
    We've been working our way through the same boxes of Christmas cards for several years now Rosa - bought several boxes ludicrously cheap after Christmas about 4 years back and we send so few now...If none of our family have noticed this by now they must be blind!
    Originally posted by EssexHebridean
    Excellent I am in good company then!

    I'm so late anyhow I think I will just send apologies by social media and make an extra charity donation.


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


    • ZTD
    • By ZTD 19th Dec 17, 9:20 PM
    • 23,467 Posts
    • 41,336 Thanks
    ZTD
    Hoping to do a bit more decluttering over the bank hols and weekends, then need an electrician and a handyman or helpful friend in the New Year.
    Originally posted by RosaBernicia
    Is it not DIY'able? What is it?
    "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'
    • ZTD
    • By ZTD 19th Dec 17, 9:24 PM
    • 23,467 Posts
    • 41,336 Thanks
    ZTD
    This is what I love about you Z - your ability to read sub-text!
    Originally posted by EssexHebridean
    You mean it was meant to be subtle?








    Yes, I freely confess to loathing gloss painting!
    Originally posted by EssexHebridean
    Actually, the last time I did it, I didn't mind it. Though I had to wait until the OH (at the time) was on holiday otherwise I would have got the constant "Is it finished yet?". Gloss painting is one of the those things you have to plod along at.
    "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 19th Dec 17, 11:23 PM
    • 3,298 Posts
    • 8,500 Thanks
    RosaBernicia
    Is it not DIY'able? What is it?
    Originally posted by ZTD
    that all depends on the abilities of the Y in question. See earlier discussion about just paying someone else rather than stress about using time on learning something I will do once and probably badly...
    Debt free May 2016... MFW progress 2.3%


    • EssexHebridean
    • By EssexHebridean 20th Dec 17, 1:24 PM
    • 8,306 Posts
    • 44,190 Thanks
    EssexHebridean

    Actually, the last time I did it, I didn't mind it.
    Originally posted by ZTD
    Marvellous - shall I DM you our address then?!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£758.45 (19/12/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Tinkerbelle2000
    • By Tinkerbelle2000 1st Jan 18, 10:38 PM
    • 571 Posts
    • 2,025 Thanks
    Tinkerbelle2000
    Happy New Year Rosa, I hope all is well with you.

    I will also admit that I am using old Christmas cards, even though I love crafting and could make them.

    I really need to catch up on your diary.

    Take care.
    Tink xx
    As of 1st January 2018:-
    DEBT 1 - £0/£38.96 DEBT 2 - £5.00/£141.10 DEBT 3 - £0/£297.00DEBT 4 - £5.00/£644.12
    DEBT 5 - £0/£700.00 DEBT 6 - £0/£720.02 DEBT 7 - £0/£1479.65 DEBT 8 - £21.60/£1576.80
    DEBT 9 - £0/£1622.49 DEBT 10 - £0/£2300.00 DEBT 11 - £118.57/£2722.44 DEBT 12 - £0/£4349.39
    EMERGENCY FUND - £5/£1000
    • bellevie
    • By bellevie 3rd Jan 18, 11:45 AM
    • 487 Posts
    • 1,826 Thanks
    bellevie
    Another guilty of using old cards, this year they didn't cost me a penny


    Happy new year!!!
    • doingitanyway
    • By doingitanyway 3rd Jan 18, 11:48 AM
    • 2,367 Posts
    • 11,071 Thanks
    doingitanyway
    I had not thought of using old Christmas cards but I will now

    Happy New Year Rosa
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 7th Jan 18, 10:27 PM
    • 3,298 Posts
    • 8,500 Thanks
    RosaBernicia
    Happy new year all, didn't realise I hadn't posted here yet!

    Sunday shuffling looks ok - I am over budget by about £40 til payday but that's fine. I should have the £250 B account bonus coming in shortly- hadn't counted it as not banking on it (pardon pun) but I've done everything required and it should be paid within 10 days of the 2 month anniversary of opening the account.

    I still haven't done my tax return as have been busy swotting for an interview and have an essay to write as soon as that's done not happy about the timing, but can't very well moan about wanting the opportunity and then not even try. Tax return will be done on the weekend once essay is sorted and I shall learn my lesson about putting the money aside - of course I intended to, but last year got distracting with the house move etc. My next payment for the external work is due in Feb and that will put the tax payment back in coffers as well as leaving it's own tax in a separate budget line.

    In other news, not much... living on ready meals again while swotting, but most things ok. Waiting on electric bill as supplier now changed over. And doing quite well with Sh0pNSc4n, it's a bit of a nuisance but between regular submissions and the occasional questionnaire usually makes about £10 in 4maz0n vouchers a month. I wouldn't say no to £10 in my paycheque and it's only about 20 mins of work a month so not bad going really.

    I want to rethink things for 2018, but need to get this interview out of the way first. Lots of thinking to do!


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


    • bellevie
    • By bellevie 10th Jan 18, 10:48 AM
    • 487 Posts
    • 1,826 Thanks
    bellevie
    Oosh I feel your pain re tax return, I had to help DP last night - I've never seen every one so unorganised it took me hours after work - I went to bed with such a headache after lecturing him to set aside a couple of hours a month to organise his admin!




    Good luck for the interview


    xx
    • RosaBernicia
    • By RosaBernicia 15th Jan 18, 8:01 PM
    • 3,298 Posts
    • 8,500 Thanks
    RosaBernicia
    tax return still isn't done... however first interview over, essay done and catching up on a bit of work tonight, then intending to do it tomorrow evening as that's the only day I have this week when not travelling. Haven't done usual Sunday shuffle either, but did briefly check the accounts and all looks well.

    Second interview (hopefully) still to prep for, shortly followed by draft for another essay, but at least that's the last one and the final version isn't due til March. I'm thinking that I want to sort out doing some exercise now that life is calming down a bit, so that might be my focus for this coming quarter, but thinking still to do when current lunacy over!


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


    • doingitanyway
    • By doingitanyway 15th Jan 18, 8:06 PM
    • 2,367 Posts
    • 11,071 Thanks
    doingitanyway
    Sometimes it happens that way. Everything at the same time. It will ease eventually. Good luck with the interview
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 15th Jan 18, 10:12 PM
    • 3,298 Posts
    • 8,500 Thanks
    RosaBernicia
    Sometimes it happens that way. Everything at the same time. It will ease eventually. Good luck with the interview
    Originally posted by doingitanyway
    Thanks DIA - much appreciated as I want all the luck I can get with this!

    You are absolutely right - the end of last year was a kind of fallow time with little going on, and now things are moving, but the pace will change again. Also, I was just saying to a friend that I'm finally realising it's not the number of things you have going on, but whether you enjoy them or stress over them that makes the difference. I officially decided I don't care about a couple of the work related bits, they are much lower priority than my personal goals and so even though I'm not doing those things as well as I could - that's absolutely right.

    As we said, if it doesn't support my real goals it doesn't get any* of my time


    Rosa xx

    *exceptions are allowed where minimal time may be required in order to not get fired
    Debt free May 2016... MFW progress 2.3%


    • ZTD
    • By ZTD 15th Jan 18, 10:14 PM
    • 23,467 Posts
    • 41,336 Thanks
    ZTD
    I'm thinking that I want to sort out doing some exercise now that life is calming down a bit
    Originally posted by RosaBernicia
    And healthy eating?
    "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 15th Jan 18, 10:19 PM
    • 3,298 Posts
    • 8,500 Thanks
    RosaBernicia
    And healthy eating?
    Originally posted by ZTD
    Maybe even healthy eating not pre-calculated by Messrs Marks and Spencer...
    Debt free May 2016... MFW progress 2.3%


    • ZTD
    • By ZTD 15th Jan 18, 10:48 PM
    • 23,467 Posts
    • 41,336 Thanks
    ZTD
    Maybe even healthy eating not pre-calculated by Messrs Marks and Spencer...
    Originally posted by RosaBernicia
    You can't believe a ready meal when they say they're healthy. Descriptions like that are about as believable as dating profiles...
    "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 16th Jan 18, 8:27 PM
    • 3,298 Posts
    • 8,500 Thanks
    RosaBernicia
    You can't believe a ready meal when they say they're healthy. Descriptions like that are about as believable as dating profiles...
    Originally posted by ZTD
    Now you're exaggerating. I can see ready meals on the shelf and exactly what's there through the plastic just by shifting the outer layer. I don't necessarily want dating profile photos without outer layers...
    Debt free May 2016... MFW progress 2.3%


    • ZTD
    • By ZTD 16th Jan 18, 8:46 PM
    • 23,467 Posts
    • 41,336 Thanks
    ZTD
    Now you're exaggerating. I can see ready meals on the shelf and exactly what's there through the plastic just by shifting the outer layer.
    Originally posted by RosaBernicia
    Sing it with me: Mystery, mystery, mystery meat!
    Mystery, mystery, mystery meat!

    I don't necessarily want profile photos without outer layers...
    Originally posted by RosaBernicia
    Is that what you focus on? The photos?


    "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 16th Jan 18, 8:52 PM
    • 3,298 Posts
    • 8,500 Thanks
    RosaBernicia
    Is that what you focus on? The photos?
    Originally posted by ZTD
    I immediately discount any profiles which have photos with inappropriate lack of layers, yes...
    Debt free May 2016... MFW progress 2.3%


    • ZTD
    • By ZTD 16th Jan 18, 9:05 PM
    • 23,467 Posts
    • 41,336 Thanks
    ZTD
    I immediately discount any profiles which have photos with inappropriate lack of layers, yes...
    Originally posted by RosaBernicia
    It could always be worse.

    And I am thinking Borat here of course...

    So what interests you in a profile?
    "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'
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