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  • FIRST POST
    • SueP19
    • By SueP19 9th Dec 15, 2:09 PM
    • 1,697Posts
    • 14,450Thanks
    SueP19
    The Spreadsheet Diva's MF Diary
    • #1
    • 9th Dec 15, 2:09 PM
    The Spreadsheet Diva's MF Diary 9th Dec 15 at 2:09 PM
    Hey I'm here, can't flippin believe I am to be honest.................should I be here, am I deluding myself, will you all point and say NOOOOOO go away you should be in the debt section.

    Well on paper my biggest debt and highest interest rate is my mortgage, so maybe I should be here and maybe it's a state of mind thingy.

    Ok do you want my background, does anyone read that bit or do you skim it, pick the highlighted juicy bits???

    50 next year, married 27 years, DD of 24 just flying nest.

    Debt years 27, struggling years 27, saving years 0 oh bum I need to work at this savings bit.

    In other words I am your typical working mum, spends what she gets, doesn't have lots of luxuries, feels as though she has been cheated as she didn't sign up for this life of gruel.

    On the up side I always believe life will get better.

    Day 1: SOA check (see below)

    I thought of waiting till 1st of Jan but you know that doesn't really work, you just end up beating your self with a huge stick because you fail, so I am starting today. You see we went to a funeral yesterday, fabulous lady that died, lived a full happy life God bless her but you start to think......................what have I done, where am I going. Does the last 27 years have to carry on the same. So in writing this I hope I am going to break the cycle and spend my next 27 years happy, during the journey I will let you in on my life but to be honest if I wrote it all down now in this post you would be needing s**nsburys entire supply of tissues and a swimming pool to catch them in, lets just say if it's gonna go wrong it will.

    Statement of Affairs and Personal Balance Sheet

    Household Information
    Number of adults in household........... 2
    Number of children in household......... 0
    Number of cars owned.................... 2

    Monthly Income Details
    Monthly income after tax................ 1236
    Partners monthly income after tax....... 2177 this is pro rata over year and can vary wildly
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 3413

    Monthly Expense Details
    Mortgage................................ 442
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 130
    Electricity............................. 60
    Gas..................................... 81
    Oil..................................... 0
    Water rates............................. 25
    Telephone (land line)................... 15
    Mobile phone............................ 80
    TV Licence.............................. 12
    Satellite/Cable TV...................... 51
    Internet Services....................... 8
    Groceries etc. ......................... 475
    Clothing................................ 30
    Petrol/diesel........................... 280
    Road tax................................ 39
    Car Insurance........................... 42
    Car maintenance (including MOT)......... 30
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 16
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 26
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 6
    Presents (birthday, christmas etc)...... 30
    Haircuts................................ 12
    Entertainment........................... 0
    Holiday................................. 30
    Emergency fund.......................... 0
    Subscription............................ 44
    Cigarettes................................390
    Lottery.....................................35
    Total monthly expenses.................. 2389


    Assets
    Cash.................................... 300
    House value (Gross)..................... 110000
    Shares and bonds........................ 0
    Car(s).................................. 5000
    Other assets............................ 0
    Total Assets............................ 115300


    Secured & HP Debts
    Description....................Debt......Monthly.. .APR
    Mortgage...................... 75353....(442)......2.49
    Total secured & HP debts...... 75353.....-.........-

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    m1.............................2300......39....... .0
    m2.............................2700......46....... .0
    c1.............................1884......25....... .0
    q1.............................1255......25....... .0
    s1.............................410.......10....... .0
    Total unsecured debts..........8549......145.......-


    Monthly Budget Summary
    Total monthly income.................... 3,413
    Expenses (including HP & secured debts). 2,389
    Available for debt repayments........... 1024
    Monthly UNsecured debt repayments....... 145
    Amount left after debt repayments....... 879

    Personal Balance Sheet Summary
    Total assets (things you own)........... 115,300
    Total HP & Secured debt................. -75,353
    Total Unsecured debt.................... -8,549
    Net Assets.............................. 31,398

    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.

    Bye for now
    Last edited by SueP19; 10-12-2015 at 10:49 AM.
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
Page 36
    • misscousinitt
    • By misscousinitt 18th Oct 16, 4:04 PM
    • 3,364 Posts
    • 18,960 Thanks
    misscousinitt
    I know how grinding it can be when things seem to constantly be going wrong.

    You are so good to keep a light heart with it though.

    Keep moaning - we don't mind and if it helps you! - then all is good.

    MCI x
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £99,090.90 (08.11.2016)
    OP's to Date £2000

    Renovation Fund:£944.75; Kitchen Fund (including re-wiring): £notalotleft; Roof Fund £5000.00
    Nectar Points Balance: £35.49
    • SueP19
    • By SueP19 18th Oct 16, 4:11 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    To be honest MCI my whole life has been full of constant grinding mishaps

    I know money doesn't buy happiness in any way but boy does it solve lots of problems and the lack of it does make life so much harder.

    I do hope this new way of budgeting will ease things
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • Watty1
    • By Watty1 18th Oct 16, 6:51 PM
    • 2,490 Posts
    • 17,592 Thanks
    Watty1
    Routing for you. Totally get the negativity bit, I stopped posting for a while for similar reasons but wow SueP you really have had a bucketful to deal with. hang in there and may the next 50 years be fabulous
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Karmacat
    • By Karmacat 18th Oct 16, 7:18 PM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Thanks, I always seem to be having it rough lolol .................


    .................I was so Genghis Khan in a former life
    Originally posted by SueP19
    To be honest MCI my whole life has been full of constant grinding mishaps

    I know money doesn't buy happiness in any way but boy does it solve lots of problems and the lack of it does make life so much harder.

    I do hope this new way of budgeting will ease things
    Originally posted by SueP19
    Oh Sue! I just read your long post on the previous page. You poor thing, and a horrifying lack of support in RL too

    Glad to hear you've found YNAB, otoh, a lot of people seem to find it really helpful, and also glad you persevered with confronting OH about his lack of support.

    As for your work place! Well, investigations into potentially serious symptoms are an issue in themselves, I'm horrified that they said what they did to you. Have you complained?

    It's good that you've started posting here again, anyway, and remember the one that needs positivity is you, not us - you get it the way that's right for you, you're fine

    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • A Frayed Knot
    • By A Frayed Knot 18th Oct 16, 11:16 PM
    • 1,742 Posts
    • 7,993 Thanks
    A Frayed Knot
    Wow well it's been a long time................thanks to A Frayed Knot for enticing me back.

    Mortgage op's £0

    Money Saved £0

    DD getting a job Yes

    Still married Yes

    OH still ill Yes
    xxxx
    Originally posted by SueP19
    You could change the above to big grins How, just pop £1 into o/p and savings fund
    There that's better

    Well I have to say it's a lovely surprise and for one who is suffering "worthlessness" a real heart warming boost to know some of you missed me.

    I turned 50 last week and having spent the day crying for the life that I have had and the life I should have had, I grasped the mettle and decided I am not single handedly responsible for lifes problems, I can only do what I can and I am human, if I don't forgive me then other won't
    Originally posted by SueP19
    You have certainly had a lot going on, so hopefully the tide will turn and you will be on the up and up.
    • First of all YES ! ! ! You were missed
    • Mortgage op's £0 - Got a £1 ? put in the o/p fund
    • Money Saved £0 - Got another £1 ? in the savings fund it goes
    Not huge amounts but you can say, you have o/p and started a savings fund, it's no fib.

    Now for the really scary bit - Just think how far down the line you are with your mortgage, don't feel you are getting anywhere, well your a lot further on than me here's the scary bit. Your now 50 Sorry, that's not the scary bit, it's that when I was 50 I didn't even have a mortgage.

    Think of yourself taking one out in 2 YEARS from now like I did. Yeah, thought that would make you feel better Your light years ahead of me.

    Hope you are feeling a whole lot better and that work has improved somewhat, still got that (hole behind) at work making stupid comments. Take it easy, and look after yourself, this is "your time"
    Always have 00.00 at the end of your mortgage balance and someday it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    o/p 2014/£4000, 2015/£6294.69 MFW2016 #27 £3101.03/£3000
    £1000/£1000 51.44/33.29=84.73
    • A Frayed Knot
    • By A Frayed Knot 19th Oct 16, 7:38 AM
    • 1,742 Posts
    • 7,993 Thanks
    A Frayed Knot
    Almost forgot,

    Belated Happy Birthday wishes






    Not sure if you like Birthday cake, so


    Always have 00.00 at the end of your mortgage balance and someday it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    o/p 2014/£4000, 2015/£6294.69 MFW2016 #27 £3101.03/£3000
    £1000/£1000 51.44/33.29=84.73
    • mrsp1987
    • By mrsp1987 19th Oct 16, 8:44 AM
    • 781 Posts
    • 3,760 Thanks
    mrsp1987
    Mom nom nom nom nom
    Mortgage April 2011: £108,499 30 yr term Current Mortgage £96,211.87 20 yrs 10 months left
    O/P Fund: £2,336.81/£1,000
    Tilly Tidy #11: I've completely lost count!!
    MFiT T4 #67 - Reduce mortgage from £99,310.76 to £80,000. Currently £95,166.53
    • Karmacat
    • By Karmacat 19th Oct 16, 9:31 AM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Almost forgot,

    Belated Happy Birthday wishes






    Not sure if you like Birthday cake, so


    Originally posted by A Frayed Knot
    I brought some too: Happy Birthday as was, Sue

    Loving Frayed Knot's input!

    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • misscousinitt
    • By misscousinitt 19th Oct 16, 10:12 AM
    • 3,364 Posts
    • 18,960 Thanks
    misscousinitt
    What frayed Knot said....

    MCI x
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £99,090.90 (08.11.2016)
    OP's to Date £2000

    Renovation Fund:£944.75; Kitchen Fund (including re-wiring): £notalotleft; Roof Fund £5000.00
    Nectar Points Balance: £35.49
    • SueP19
    • By SueP19 19th Oct 16, 2:02 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19


    Thanks all xxxxxx
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • SueP19
    • By SueP19 19th Oct 16, 2:09 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Oh Sue! I just read your long post on the previous page. You poor thing, and a horrifying lack of support in RL too

    Glad to hear you've found YNAB, otoh, a lot of people seem to find it really helpful, and also glad you persevered with confronting OH about his lack of support.

    As for your work place! Well, investigations into potentially serious symptoms are an issue in themselves, I'm horrified that they said what they did to you. Have you complained?

    It's good that you've started posting here again, anyway, and remember the one that needs positivity is you, not us - you get it the way that's right for you, you're fine

    Save
    Originally posted by Karmacat
    Thanks Karma, work is a small place so complaining isn't an option, anyway if and it's a huge if I'm ill in future boss is that good he would let me work when I could.

    Wish you could buy positivity because mine does run low sometimes, I got to the point were I really thought I couldn't hack it all any more even just the little things were so hard to deal with, mind you OH is worse than me. I changed his phone yesterday, he knew and he chose phone but because they emailed his phone he was in a right stress last night, all because it said to bring the debit card you paid with
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • SueP19
    • By SueP19 19th Oct 16, 2:11 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Routing for you. Totally get the negativity bit, I stopped posting for a while for similar reasons but wow SueP you really have had a bucketful to deal with. hang in there and may the next 50 years be fabulous
    Originally posted by Watty1
    Oh dear, that's quite mild compared to our past I feel such a t*t for being so affected by it

    xx
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • SueP19
    • By SueP19 19th Oct 16, 2:13 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    You could change the above to big grins How, just pop £1 into o/p and savings fund
    There that's better



    You have certainly had a lot going on, so hopefully the tide will turn and you will be on the up and up.
    • First of all YES ! ! ! You were missed
    • Mortgage op's £0 - Got a £1 ? put in the o/p fund
    • Money Saved £0 - Got another £1 ? in the savings fund it goes
    Not huge amounts but you can say, you have o/p and started a savings fund, it's no fib.

    Now for the really scary bit - Just think how far down the line you are with your mortgage, don't feel you are getting anywhere, well your a lot further on than me here's the scary bit. Your now 50 Sorry, that's not the scary bit, it's that when I was 50 I didn't even have a mortgage.

    Think of yourself taking one out in 2 YEARS from now like I did. Yeah, thought that would make you feel better Your light years ahead of me.

    Hope you are feeling a whole lot better and that work has improved somewhat, still got that (hole behind) at work making stupid comments. Take it easy, and look after yourself, this is "your time"
    Originally posted by A Frayed Knot
    Oh Frayed you have missed your calling.................motivational speaker or what................thanks for the kick up the bum, needed and well pointed out and DULY noted thanks x
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • SueP19
    • By SueP19 19th Oct 16, 3:18 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    My KM Journey..........my second lightbulb this year (technically No 1-Overpay your mortgage was end of last year but hey don't shoot me)

    Anyway my KM journey has not really got on very fast, am a bit like the tortoise, except I'm a geriatric one

    I am shredding paperwork............I have a 70l box full...........you want to know how big that is, well it's the biggest darn box they sell in Mr M's Paperwork dates back to 1989 Well I am actually proud of being such a paperwork geek really but the time has come.

    It is quite therapeutic actually, I thought it would be sad but it's like "hey good riddance to the old debts and struggle, I'm 50 now and deserve a new life" kind of shredding

    I think it will take me a year to shred the stupid stuff

    I have done clothes and magazines. Part of the reason it is slow is the fact I am incorporating DIY into the mix, so KM sort then paint

    Is anyone out there KM'ing too
    Last edited by SueP19; 19-10-2016 at 3:21 PM.
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • enthusiasticsaver
    • By enthusiasticsaver 19th Oct 16, 4:26 PM
    • 2,564 Posts
    • 4,374 Thanks
    enthusiasticsaver
    Just read your diary Sue and you do seem to have to deal with a lot with your OH and DD too. Our loved ones really know how to test us don't they?

    I have delurked to say that my brother was diagnosed with MS this year and that started with optic disturbance. He was seeing double but the tiredness he had suffered for years without realising that could be MS. An MRI scan would have picked up evidence though so hopefully you don't have that and it is just one of those things.

    I don't KM but I don't buy a lot of stuff and have a rule that if we buy something new, an older one gets ditched. Same applies to clothes. Difficult bringing OH round to that thinking though
    Debt and mortgage free and saving for early retirement
    • SueP19
    • By SueP19 19th Oct 16, 4:42 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Just read your diary Sue and you do seem to have to deal with a lot with your OH and DD too. Our loved ones really know how to test us don't they?

    I have delurked to say that my brother was diagnosed with MS this year and that started with optic disturbance. He was seeing double but the tiredness he had suffered for years without realising that could be MS. An MRI scan would have picked up evidence though so hopefully you don't have that and it is just one of those things.

    I don't KM but I don't buy a lot of stuff and have a rule that if we buy something new, an older one gets ditched. Same applies to clothes. Difficult bringing OH round to that thinking though
    Originally posted by enthusiasticsaver
    Ah bless you for de-lurking, I did have an MRI but the wrong one, I had a standard one and the consultant said it should have been one where I was dye injected. I suffer with aching muscles and bones plus I have a patch of numb skin on my thigh..........but still time will tell, as they say lot worse things at sea.

    I don't actually buy lots of things but what I do buy I keep for years and years and years I attach a monetary value to things which makes it difficult to part with stuff and YES I can tell you how much I paid for things going way way back OH is so scared we can afford to replace stuff he still to this day cuts plugs off appliances, yes I know they are molded on but xx
    Last edited by SueP19; 19-10-2016 at 4:53 PM.
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • A Frayed Knot
    • By A Frayed Knot 19th Oct 16, 8:06 PM
    • 1,742 Posts
    • 7,993 Thanks
    A Frayed Knot
    Oh Frayed you have missed your calling.................motivational speaker or what................thanks for the kick up the bum, needed and well pointed out and DULY noted thanks x
    Originally posted by SueP19
    Actually, I've had plenty of practice - on myself when I've needed the " kick up the bum " I've had to "give myself a shake, pick myself up, dust down, good talking to and get on with it, so as I said - plenty of practice

    As for the KM journey, would love to do it properly, kid myself on I 'm starting but how on earth do I gather up all items of one particular "items" by the time I've done that, I've lost interest
    Last edited by A Frayed Knot; 19-10-2016 at 8:12 PM.
    Always have 00.00 at the end of your mortgage balance and someday it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    o/p 2014/£4000, 2015/£6294.69 MFW2016 #27 £3101.03/£3000
    £1000/£1000 51.44/33.29=84.73
    • SueP19
    • By SueP19 19th Oct 16, 10:27 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Lolol I can just picture you giving yourself a good talking to

    UmMMM yes I think we all toy with KM on the Facebook group there is lots of clothing picture xx
    Last edited by SueP19; 20-10-2016 at 10:08 AM.
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • Karmacat
    • By Karmacat 20th Oct 16, 9:59 AM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    My KM Journey........

    I am shredding paperwork............I have a 70l box full...........you want to know how big that is, well it's the biggest darn box they sell in Mr M's Paperwork dates back to 1989 Well I am actually proud of being such a paperwork geek really but the time has come.

    It is quite therapeutic actually, I thought it would be sad but it's like "hey good riddance to the old debts and struggle, I'm 50 now and deserve a new life" kind of shredding

    I think it will take me a year to shred the stupid stuff

    I have done clothes and magazines. Part of the reason it is slow is the fact I am incorporating DIY into the mix, so KM sort then paint

    Is anyone out there KM'ing too
    Originally posted by SueP19
    I'm KMing, and I find the mse thread incredibly helpful. It *is* slow - people talk about needing to make several passes, and that's because priorities change, needs change, stuff wears out, and so on. Paperwork is one that seems to take forever, I agree - and for most of us it's impossible to get it all in one place at one time as per the recommendations I did all my diaries, for instance, not all my paperwork and then all my holiday diaries and leaflets (ooh, and I'm transcribing my first Interrail diary as the basis for another kindle book you never know where it will lead ).

    As for the KM journey, would love to do it properly, kid myself on I 'm starting but how on earth do I gather up all items of one particular "items" by the time I've done that, I've lost interest
    Originally posted by A Frayed Knot
    It doesn't have to be perfect, is what I'm telling myself but it does become important when you realise that you're buying duplicates and even triplicates of stuff (drain clearing snake and needles are the two things that spring to mind immediately ) even if you have to make a second go, it's still worth doing. It has been for me, anyway, I couldn't find anything!

    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • SueP19
    • By SueP19 20th Oct 16, 10:15 AM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    I'm KMing, and I find the mse thread incredibly helpful. It *is* slow - people talk about needing to make several passes, and that's because priorities change, needs change, stuff wears out, and so on. Paperwork is one that seems to take forever, I agree - and for most of us it's impossible to get it all in one place at one time as per the recommendations I did all my diaries, for instance, not all my paperwork and then all my holiday diaries and leaflets (ooh, and I'm transcribing my first Interrail diary as the basis for another kindle book you never know where it will lead ).


    It doesn't have to be perfect, is what I'm telling myself but it does become important when you realise that you're buying duplicates and even triplicates of stuff (drain clearing snake and needles are the two things that spring to mind immediately ) even if you have to make a second go, it's still worth doing. It has been for me, anyway, I couldn't find anything!

    Save
    Originally posted by Karmacat
    I think that's so true with everything, we try to be sooooo perfect and at the first hurdle we fall and fail. I am resisting buying fitted sheets for the spare bed (DD paying her first visit home, so had to buy mattress this week, ebay find ) I blooming know I have some somewhere but can I find the bleep bleep things lolol.

    Great idea on the diary there Karma

    Yes DD is coming home I am trying to decide if and it's a big IF I can decorate her room in time. It's current state is no wallpaper and cracks on the wall plus a heap of junk in the middle (oh and round the sides).

    I have all the stuff..............paint, coving wallpaper, curtain pole and curtains to do it but I have 2 weekends What do you all think
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
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