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  • FIRST POST
    • MrsPorridge
    • By MrsPorridge 2nd Dec 15, 8:04 PM
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    MrsPorridge
    Mrs P's Diary - The Final Push
    • #1
    • 2nd Dec 15, 8:04 PM
    Mrs P's Diary - The Final Push 2nd Dec 15 at 8:04 PM
    Its been quite a few months since I have posted anything on my diary - so I thought I would start a shiny new one.

    A bit about myself - I am the wrong side of 50, married with one son who is in his second year at university. DH and I both work.

    I am aiming to be almost debt free by December 2017. I want to count my mortgage in with this debt.

    I can feel bad habits starting to creep in again and want to nip it in the bud so hopefully this diary will help to keep me on track.

    Money owed:

    Credit Card £1350 approx
    Overdraft £1500 approx
    Loan 1 £10,000 approx
    Loan 2 £15,000 approx
    Mortage £15,000 approx

    Savings are £6,500

    We also need some work done to the guttering and roof of the house which is costing £1,900 - have saved £1,500 towards this - the work will be done mid-January so i do have a bit of time to save up the £400.

    At the moment am working to pay off the cc and the overdraft so a bit on each every month.

    The loans are of course being paid monthly - I am aiming to also save once the OD and CC are paid off and then try and pay down Loan 1.

    I have gone back to meal planning and doing one big shop once a month - did this last month and it worked really well. Have already done my meal plans for December and January and am hoping not to have to do a big shop until we are paid at the end of January.
    Getting back on Track
Page 2
    • sunshine__
    • By sunshine__ 9th Oct 16, 2:13 PM
    • 11 Posts
    • 20 Thanks
    sunshine__
    This is fab progress, a great read :-)

    Good idea for the soup too, perfect time of year for lovely homemade soup!!
    • MrsPorridge
    • By MrsPorridge 11th Oct 16, 5:43 PM
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    MrsPorridge
    I have had a bit of a declutter these last couple of days and now have 5 bin bags of old clothes, bedding, material and yarn ready for the charity shop.

    The next room on my list is the kitchen which I will "hit" in a couple of weeks.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 12th Oct 16, 12:57 PM
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    MrsPorridge
    Early start at work today so had a packed breakfast of yoghurt. Lunch was hm soup with a tuna sandwich (also hm). No money spent yet.


    However, on way home need to get two new tyres! And they are run flats so I won't see much change from a couple of hundred quid (although money is saved for this - but I still don't like spending on unexciting things like tyres).


    I will be a bit naughty while the tyres are being fitted and pop to the Costa Coffee for a hot choccie.


    Dinner tonight is yellow stickered pies and some sweet potato mash
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 18th Oct 16, 7:12 PM
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    MrsPorridge
    We went to the pub tonight just for a snifter but ended up eating there. Well you have to have a treat sometimes don't you?

    Back to meal planning. The quice (yellow stickered) and chips (from potatoes which are quite spongy and have eyes) will be tea tomorrow.

    Packed lunches done - HM soup for me and DH has some jacket spuds with beans and cheese. I tend to make these in one batch and then freeze in portions.

    Am working from home tomorrow so my travel time and my lunch hour will be taken to continue the de-clutter. Have decided to do the spare bedroom. There is stuff under the bed there that hasn't seen the light of day for 10 years so I reckon I can get rid of most of it. It's a good chance to do it without DH been about (and I can fit in a tip run if needed before he gets home). DH is a bit of a hoarder - not as bad as he used to be, but I get quizzed on what I am giving to charity shop or throwing away - so I need to be a bit savvy about it.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 19th Oct 16, 4:14 PM
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    MrsPorridge
    Got loads of "work" work done as at home and no interruptions.


    Also did a load of decluttering - it was bin day and managed to declutter 5 bin bags of "rubbish".


    Have cleared out one wardrobe - although there still isn't any space! But at least stuff doesn't fall out as I open it now.


    Also listed 5 items on Ebay. We cleared out Dad's house in April when he moved into sheltered accommodation and there are some things that I just really don't want but kind of took them as I couldn't bear them to go to the tip or house clearance. Now is the time to part with some of them. They have been stuck in a box on the dining room floor since the end of August and I haven't looked at them once. I have kept a couple of items but the rest really can go. If no success with Ebay then I will take them to the charity shop.


    At lunchtime I bought a sausage roll - there was an offer on buy 1 get 1 free - so the second one has gone into DH's packed lunch for tomorrow. I am back on the hm soup tomorrow.


    Dinner tonight is the quiche and chips we should have had last night.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 21st Oct 16, 7:26 AM
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    MrsPorridge
    Last night's dinner was HM chilli from the freezer plus 2 small naan breads found at the back of the freezer.


    Tonight we are out to dinner with a friend.


    Weekend plans are more decluttering - with DH's help to reach on top of wardrobes and also sort through all his clothes - I have told him to "be strong" and it's OK to give stuff/throw stuff away. Also will go to the cinema as I want to see Inferno - hate to admit it but I am a Dan Brown fan. We were going to have Chinese takeaway after the cinema but after our slip up of eating at the pub earlier in the week I have planned a Meditteran supper for Saturday night consisting of some falafel (found a box in the back of a cupboard), with some cabbage leaf rice things I have in a tin (I bought in the summer and never used), plus some cous cous and flatbreads. Will get some humous to supplement it.


    It's another early start at work (means I can share with DH and so save money on a 50mile round trip), means I finish early and then DH and I will go shopping on way home. We are going to go back to shopping at Lidls and will top up anything we have to at Sainsbogs.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 23rd Oct 16, 7:09 PM
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    MrsPorridge
    Sunday - DH has a really bad cold and it's not often he is ill. We didn't do much decluttering. Just sorted his clothes out. Then have spent most of the day watching TV. It's nice to do this now and again, but we both feel really lazy!

    I did do some batch cooking while he was sorting his clothes. I made loads of sausage rolls ready for Christmas and also some packed lunches. We had stuff left over from the Meditteran meal on Saturday night and that has gone into butty boxes for 3 packed lunches. I also made a Victoria sponge with black cherry jam so that will take care of puddings this week.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 30th Oct 16, 8:17 PM
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    MrsPorridge
    I've had a cold brewing for a couple of weeks - it came out last night - today we have stayed indoors as I felt quite sorry for myself. Upside though it was an NSD.

    Packed lunches ready and food out of the freezer ready for tomorrow's tea.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 1st Nov 16, 3:26 PM
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    MrsPorridge
    Ended up taking half a day sick leave yesterday and today have worked from home. Still feel a bit ropey.

    We are having a visit from MIL (haven't seen her for years) in a couple of weeks. Will use this on DH as the big push to clean and declutter as much as we can.

    Shows how poorly I have felt as I have only this afternoon started to think about carrying on with the big declutter.

    so far I have 3 bags waiting to go to the cs.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 2nd Nov 16, 1:02 PM
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    MrsPorridge
    Back at work today - but going to bail early as starting to flag. Will stop off on way home to get milk and Tunes (as I am still having trouble with a blocked nose). Must be "brave" and not be swayed by buying anything else.


    I have started a new regime this week and took out £400 which is "spending money" for the month. Included in this is all food and entertainment. I really hate the debit card tenner on this, fiver on that and it mounts so quickly. Hopefully this will enable me to see how far the money actually does go. We have a freezer full of food and I have meal planned for the next two weeks - and we could probably survive for another two weeks after that!


    I immediately took £200 and filed it in a jug on the dresser - not to be used till week beginning 14th.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 3rd Nov 16, 6:45 PM
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    MrsPorridge
    Still feeling really grotty. Went to work but left mid-morning. Have arranged to work from home tomorrow.

    Felt seriously sorry for myself in the afternoon and made an appointment to see the Dr. He says is bacterial not viral (or the other way around) so he can't give me antibiotics. He did say I needed my ears syringing. When I called the surgery a month ago the receptionist said they didn't do it. His response "rubbish - put drops in 3 times a day and make an appointment for next Friday" I instantly did that as I came out.

    Can't wait to get my hearing back to A1

    He did suggest I buy some Sudafed tablets to help with the blocked nose - so that was £4.29 spent, but to be honest I don't care - I just want to feel better.

    Tea tonight was spaghetti carbanara with ham that should have been used two days ago. DH said it smelt OK. Felt pleased that we had that was really tasty and a comfort type food.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 4th Nov 16, 6:18 PM
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    MrsPorridge
    Cannot believe how much better I feel - still not 100% but I know I'm going to survive.

    NSD today which is the upside.

    Tea tonight (which I felt well enough to prepare) was from the freezer - yellow ticketed sausages, yellow ticketed dauphanise potatoes and some left-over sprouts - which were yellow ticketed and I bought on Saturday - they still tasted lovely even though a week out of date. Stewed plums were pudding.

    tomorrow will go out and get some milk and essentials.

    Our local has started doing steak night again now its winter. We live in Cornwall and in the winter there are usually loads of deals around for the locals. We get top notch steak from the local butcher with all the trimmings, chips, onion rings, mushrooms and peas plus a bottle of wine which comes to £25 for two. So that is our treat for tomorrow night.

    Sunday will be tidying up DS room as MIL will use that when she comes to say in a couple of weeks.
    Getting back on Track
    • beanielou
    • By beanielou 4th Nov 16, 6:50 PM
    • 44,843 Posts
    • 155,333 Thanks
    beanielou
    Steak night sounds just fab.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • MrsPorridge
    • By MrsPorridge 6th Nov 16, 8:40 PM
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    MrsPorridge
    Well am much, much better today - although think it will be mid-week before I am back to normal.

    Ready for work tomorrow. I have made 3 day's worth of salmon sandwiches for my packed lunches - because that is what I fancy.

    Car sharing tomorrow with DH and we will visit the tip on the way back - 3 bags of rubbish and an old office chair with a broken back.

    Some decluttering done today - two bathrooms cleaned and DS' room cleaned and ready now for MIL's visit.

    Dinner tomorrow is defrosting - yellow stickered fish cakes which we'll have with hm chips to finish off the spuds and some baked beans. DH cooked a lovely brunch this morning when we had the first half of the tin of beans. In the past the second half would have ended up growing spores in the fridge. This is the beauty of menu planning - I hardly waste any food at all now.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 9th Nov 16, 5:23 PM
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    MrsPorridge
    A really good MSE style day today. Worked from home so saved petrol on commute. Threw about 4 bags of rubbish and an old broken under bed storage box.

    Sorted out a carrier bag of books for the 2nd hand bookshop. Added a few more bits and bobs to the cs bags.

    Meal planned for the next two weeks - using mostly store-cupboard and freezer - the cupboard/freezer will really be bare in a couple of weeks time. Must try not to weaken and not do a mega shop! This period also covers the week MIL is with us - so really hoping I can stick to it.

    And, an NSD today.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 10th Nov 16, 10:19 AM
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    MrsPorridge
    today booked two Travel Lodges - one at Reading when we go to MIL's (DH will do a bit of work at her house and then we drive her back to our house - she will get the train home a week later). The second one for when we go and visit DS at uni for his 21st birthday - we are going to treat him to brunch and then bring a load of stuff back for the Christmas hols. He is then going ski-ing for a week with his uni mates and will then get the train home.


    One of the downsides to living in the darkest depths of Cornwall is that it takes hours to get anywhere and DH and I are now beyond the driving marathons we used to do.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 11th Nov 16, 6:10 PM
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    MrsPorridge
    DH was doing some work on waste ground behind the factory today and came home with an armful of apples - when tasted they were eating apples, but the skins didn't look too good. Have made two large Eve's puddings with them. When cooled they will go into the freezer. One can be a pudding when MIL is with us and the other over Christmas when DS is home.
    Getting back on Track
    • Huskyrunner
    • By Huskyrunner 11th Nov 16, 11:36 PM
    • 518 Posts
    • 834 Thanks
    Huskyrunner
    Apple crumble them :-)
    debts 16550
    Mortgage 69500
    • MrsPorridge
    • By MrsPorridge 13th Nov 16, 2:05 PM
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    MrsPorridge
    DH will get more apples this week and I will crumble them

    A good morning - the hoover has been cleaned out and the filters all washed and everything replaced - it now hoovers as it should do! Upstairs hoovered, spare bed made for MIL.

    Patio doors cleaned - internal door windows cleaned.

    Veggies prepped ready for roast chicken dinner later. Three days of packed lunches made and in the fridge for DH and self.

    Loads of dusting done.

    Almost finished knitting the back of my cardigan - should be finished by tonight.

    Staying in today so an NSD.

    This afternoon will laze around and watch TV.
    Getting back on Track
    • MrsPorridge
    • By MrsPorridge 14th Nov 16, 7:24 AM
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    MrsPorridge
    An early start as car sharing with DH. But means an early finish! Will go to the cinema to a late afternoon showing on way home - it's 2 for 1 on a Monday at our cinema. The money "saved" will buy us a fish and chip supper
    Getting back on Track
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