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    • Cheery Daff
    • By Cheery Daff 26th Jan 14, 3:19 PM
    • 7,808Posts
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    Cheery Daff
    Cheery's buttling diary: tea in one hand, plant pot in the other, running shoes on
    • #1
    • 26th Jan 14, 3:19 PM
    Cheery's buttling diary: tea in one hand, plant pot in the other, running shoes on 26th Jan 14 at 3:19 PM
    <sneaks in hoping nobody will notice>

    Hi all

    Goodness me, it's been ever such a long time since I've been here! It seems I disappeared without a trace almost two whole years ago, and then life got in the way, and you know what it's like when you've been gone for so long, it's quite hard to come back...

    In fact, it's been so long since I went that maybe nobody even remembers I was here in the first place If you feel the need to delve into my history the latest (not-very-up-to-date) version is here, and the one before that is here.

    Anyway, I'm back again now and if I disappear again I promise I shall leave a note explaining myself

    I've decided to come back for two reasons:

    (1) I'm not in debt, but I'm also not-quite-as-much-in-control-as-I'd-like I've FINALLY combined finances with Mr Daffs (after 8 years) and there's lots of messing around related to that to be done

    (2) I've just spent a cheery couple of hours reading back through my old diaries (how very sad ) and remembering JUST HOW CHEERFUL it was in the old days of hanging round here

    I confess I'm a tiny bit daunted about coming back - one of the reasons I vanished was because I was spending FAR too much time on the internet and I'm wary of doing that again... But for now I've decided there's plenty of other things to worry about without bothering my little head about that one

    Ooh, I should probably explain the 'buttling' in my title It's a word I invented (although I suspect other people have invented it before me). It's kind of what butlers do, you see - they buttle - make tea and open doors and tidy up, and generally buttle around getting on with little things

    And while I don't intend to put on a suit and act like Jeeves any time soon (although actually come to think of it, he was a valet, not a butler), i LOVE using the word and spend much of every day buttling around doing all kinds of cheerful activities

    Suppose I'd best do something like talking about money now...
    Saved for house move: £16,000
Page 1
    • Cheery Daff
    • By Cheery Daff 26th Jan 14, 3:32 PM
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    Cheery Daff
    • #2
    • 26th Jan 14, 3:32 PM
    • #2
    • 26th Jan 14, 3:32 PM
    my ancient signature is still there, oh dear!

    So I'll waffle on about money, before I forget why I'm here and start waffling about all manner of other stuff instead

    Current situation - work
    When I was last here I'd been working full time for a year - I did that for another year then decided I'd had enough and dropped down to four days a week. It was the BEST thing I ever did and I ADORE having Fridays off I only lost about £300 a month in wages and I fill my Fridays with all manner of visiting, tea drinking, cake eating, running, voluntary work and cheerfulness

    A few months ago my fixed term contract ran out and they made me permanent So I am now 'stuck' in a job that I love, with cheerful people and a decent wage. Can't complain really!

    I still commute to another city two days a week though, and work the other two days at home.

    Money
    Patchwork fund is still in existence It got built up to about £6000, then I spent £2000 on a new flute When I dropped down to four days I stopped adding to it, and slowly it got picked away at... I stopped worrying too much once they made me permanent (it was meant to fund me when my contract ended, after all) and it's now down to about £2600

    HOWEVER - just this month I have FINALLY got round to merging finances with Mr Cheery It's only taken us 8 years... We actually have a joint account and everything, which I've never done before, all very scary

    I did cash envelopes for a while, then I didn't, and now things have got so out of hand that I just fritter in dribs and drabs and the last couple of months have had to transfer money from the patchwork fund to stop myself going overdrawn This really is NOT NECESSARY!!

    I am custodian of our joint finances now, including savings, and I need to do it responsibly! Hence why I'm back here

    Other stuff
    Er, not really sure what other stuff to tell you about! I'm doing lots of running, which is cheerful My focuses (foci?!) for the year are running and gardening - I'm trying to keep track of everything I grow and how much I would have spent if I'd bought it in the shops We'll see how long that lasts - I am not known for my green fingers...

    Er, I think that's probably it for now! Very much looking forward to being back and pottering about with you all again
    Saved for house move: £16,000
    • Cheery Daff
    • By Cheery Daff 26th Jan 14, 3:41 PM
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    Cheery Daff
    • #3
    • 26th Jan 14, 3:41 PM
    • #3
    • 26th Jan 14, 3:41 PM
    Oh!! I know what I forgot - a BUDGET!!!

    I do have one, honest, a shiny new joint one and everything!

    Monthly direct debits
    £150 gas and electric
    £35 BT
    £25 internet
    £50 water
    £116 council tax
    £140 mortgage
    £60 mobiles
    £7 web provider thingy
    £12 national insurance
    £20 union
    £3 wildlife trust

    TOTAL = £618

    Other monthly spends
    £120 food
    £30 treats
    £200 my spends
    £200 Mr Cheery spends
    £200 work travel
    £50 diesel

    TOTAL = £800

    Savings
    £80 Car (MOT, RAC, insurance, tax)
    £40 annual bills (TV licence, house insurance)
    £100 house repairs
    £100 holidays
    £100 weekends away
    £50 long term savings

    TOTAL = 470

    Overall total = £1888

    That's our minimum income between us - Mr Cheery's income is quite variable so anything extra will go into long term savings (or house repairs, if anything is in imminent danger of falling off )

    Currently don't have anything in any of those pots except the long term savings, and I'm not even sure how much is in there as it's spread over three different bank accounts Can you see why I needed to come back here?!

    I've probably waffled enough to myself, but I'm going to use this little diary for a few things:

    (1) keep track of what I'm spending, can't be faffed with a paper spending diary any more!
    (2) keep track of the merge of all the bank accounts, and what I need to do to change direct debits over. Hopefully all completed by the end of Feb!
    (3) keep my head a little bit more focused on money than it has been of late...

    And now I should probably get off the internet before I end up here all day, like in the old days!!

    (thanks for having me back ) xxx
    Saved for house move: £16,000
    • rtandon27
    • By rtandon27 26th Jan 14, 4:04 PM
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    rtandon27
    • #4
    • 26th Jan 14, 4:04 PM
    • #4
    • 26th Jan 14, 4:04 PM
    Welcome Back!!!!!

    XOX
    RT
    ONE YEAR DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    • maddiemay
    • By maddiemay 26th Jan 14, 4:29 PM
    • 3,170 Posts
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    maddiemay
    • #5
    • 26th Jan 14, 4:29 PM
    • #5
    • 26th Jan 14, 4:29 PM
    I was a silent lurker on your old diary, good to see you back again. I cannot play a note on any instrument and I don't run, but enjoyed reading of your expolits. Garden and cake and tea do appeal very much to me though Love the idea of buttling, my word is pootling, sort of bumbling around doing a bit of this or a bit of that as the mood takes me - the greatest joy of having done my 45 years with nose to grindstone and now being able to totally please myself

    P.S. I appreciate how lucky I was to have just slipped through the net so to speak before the retirement age was changed, not so great for all you younger ones.
    • Buffythedebtslayer
    • By Buffythedebtslayer 26th Jan 14, 4:38 PM
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    Buffythedebtslayer
    • #6
    • 26th Jan 14, 4:38 PM
    • #6
    • 26th Jan 14, 4:38 PM
    I remember you from a challenge or maybe your diary? Patchwork fund, I remember that Lovely idea


    welcome back SO good you aren't in debt


    Love Buffy xx
    Saving all the money.............really I am !
    • Karmacat
    • By Karmacat 26th Jan 14, 4:49 PM
    • 28,052 Posts
    • 154,216 Thanks
    Karmacat
    • #7
    • 26th Jan 14, 4:49 PM
    • #7
    • 26th Jan 14, 4:49 PM
    Found your new diary! And its right there right away, something I really missed - your multicoloured posts!

    From the shrieky face, I think you've guessed thats a lot to pay for gas and elec the water's probably quite high too though, Cheery ... there's only one of me, but I pay £12 a month, with a water meter ... assume you use more than me and you might still save £15-£20 a month

    The prospect of all that tea and cake to come is brilliant
    Retired August 2016
    • Pippilongstocking
    • By Pippilongstocking 26th Jan 14, 5:11 PM
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    Pippilongstocking
    • #8
    • 26th Jan 14, 5:11 PM
    • #8
    • 26th Jan 14, 5:11 PM
    YAYAYAYYAYAYAYAYYAYAYAYYAYAYYAYYAYYAYYAY

    You're back

    Welcome back to the dark side

    Hugs and snugs!

    Off to catch up.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • Cheery Daff
    • By Cheery Daff 26th Jan 14, 5:14 PM
    • 7,808 Posts
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    Cheery Daff
    • #9
    • 26th Jan 14, 5:14 PM
    • #9
    • 26th Jan 14, 5:14 PM
    Hello you lovely lot, and thank you SO much for a lovely welcome

    Maddiemay I potter too Such a lovely word (as for retirement - I refuse to think about it for at least another 20 years unless I am in a position to actually retire before then)

    Buffy, I do feel a bit of a fraud in here without being in debt but I was before, honest, and I don't want to be again, so I'm counting this as debt avoidance

    rtandon, lovely to see you

    Yep KC, tis indeed a lot to pay Possibly understandable though - it's a 100% green tariff, so a bit more expensive than otherwise, the boiler is absolutely ancient and not awfully efficient (but no point replacing til it actually dies). Also we both work at home a lot of the time, and often keep fairly different hours, so the heating is often on from morning til 2 or 3am

    Still, rest assured that I will indeed be investigating and reducing all those bills! (although priority is to merge all the accounts, don't want to get ahead of myself!)

    Oh it *is* good to be back and hanging around with you all!!
    Saved for house move: £16,000
    • Cheery Daff
    • By Cheery Daff 26th Jan 14, 5:15 PM
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    Cheery Daff
    Oh and Pippi! You sneaked in there too!

    How very cheerful
    Saved for house move: £16,000
    • Greying Pilgrim
    • By Greying Pilgrim 26th Jan 14, 5:36 PM
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    Greying Pilgrim
    YAY!! Cheery's back

    Lovely to *see* you Cheery - looking forward to tea, cake, sewing, crafts, WI and general cheerfulness

    Greying
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • EssexHebridean
    • By EssexHebridean 26th Jan 14, 9:51 PM
    • 8,204 Posts
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    EssexHebridean
    Hellooooo! *waves* lovely to have another returner (returnee?) to - as Pippi put it, the dark side!

    Absolutely with you on debt avoidance too - that's also my flimsy excuse for being back - just the need to regain a but of focus - and more me the "public" thing of posting here just works for that.

    Not sure if it helps, but I suspect you could cut that Telephone/internet quite a bit too - I'm currently paying Sky £35 a month which was a package they offered to match prices offered by BT - that includes TV too so just for the other two there ought to be something lower than that? Suspect it's on your list to look at though!

    Welcome back!
    MORTGAGE FREE 30/09/2016
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    • missymoo81
    • By missymoo81 26th Jan 14, 10:40 PM
    • 5,834 Posts
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    missymoo81
    Cheery! You're back, how fantastically lovely to hear from you! How strange though that I've been away for ages too and thought today was a good day to start posting again, maybe it's just one of those days.


    I really like all the gardening and cups of tea talk, very much my way idea of a good time
    • Karmacat
    • By Karmacat 27th Jan 14, 8:58 AM
    • 28,052 Posts
    • 154,216 Thanks
    Karmacat
    Yep KC, tis indeed a lot to pay Possibly understandable though - it's a 100% green tariff, so a bit more expensive than otherwise, the boiler is absolutely ancient and not awfully efficient (but no point replacing til it actually dies). Also we both work at home a lot of the time, and often keep fairly different hours, so the heating is often on from morning til 2 or 3am
    Originally posted by Cheery Daff
    Then thats really good
    Retired August 2016
    • Cheery Daff
    • By Cheery Daff 27th Jan 14, 9:07 AM
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    Cheery Daff
    Ooh, more lovely people!

    I will indeed be going through all those bills eventually, just thought i'd waffled enough for one day Anyway, not even thinking about any of them until everything is properly merged and all direct debits transferred, poor brain can't cope

    Already wasted £1.50 this morning - was going to walk to yown but left it so late i've ended up on the bus - which is now in a giant queue of traffic so i'm likely to be late anyway, gah! Remind me to walk tomorrow!!

    At least i get lunch paid for today
    Saved for house move: £16,000
    • DedicatedDFW
    • By DedicatedDFW 27th Jan 14, 7:30 PM
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    DedicatedDFW
    Cheery - its so lovely to have you back I always found your posts inspirational and positive

    I have been with my Mr for longer than 8 years and we don't have the joint a/cs thing - i can imagine its hard work getting all that sorted out

    I saved money today by walking to the station and back with the intention of then picking the car up from home - only to find its broken down At least it did it at home but if i'd driven / tried to drive to the station i'd have known it wasn't working when all the garages were still open. Oh well. Think i'm trying to say there may have been a good reason for you being on the bus today

    Looking forward to your posts
    CC1:T £2531 £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: August 2042 May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
    • Cheery Daff
    • By Cheery Daff 27th Jan 14, 8:30 PM
    • 7,808 Posts
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    Cheery Daff
    hi dedicated lovely to see you too

    How very vexing about your car!! I am very sympathetic - mine too is currently broken and has been since 28th December... Goes a couple of miles at a time but water tank is full of oil and we're in the process of acquiring a new one... (gosh, that makes me sound like we're stealing it, or building it ourselves!! We're not, clearly Just quite picky about what we want, and what we're (not) going to spend on it...)

    Fortunately I have learned that my bus fare from today will be refunded Exciting times
    Saved for house move: £16,000
    • Pippilongstocking
    • By Pippilongstocking 27th Jan 14, 8:50 PM
    • 14,844 Posts
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    Pippilongstocking
    *reminds cheery to walk tomorrow.




    Well done on the refund.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • rtandon27
    • By rtandon27 27th Jan 14, 9:44 PM
    • 2,003 Posts
    • 12,374 Thanks
    rtandon27
    What ^^she^^ said!

    ...Fortunately I have learned that my bus fare from today will be refunded...
    Originally posted by Cheery Daff
    Cheery, does that make it a NSD?!?
    ONE YEAR DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    • Karmacat
    • By Karmacat 27th Jan 14, 10:40 PM
    • 28,052 Posts
    • 154,216 Thanks
    Karmacat
    See, we all have your interests at heart

    Oil in the water tank deffo sounds horrible ... hope you get a nice new-to-you one soon
    Retired August 2016
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