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  • FIRST POST
    • PurpleFairy26
    • By PurpleFairy26 1st Apr 16, 9:34 PM
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    PurpleFairy26
    Extending our house without extending ourselves beyond our means
    • #1
    • 1st Apr 16, 9:34 PM
    Extending our house without extending ourselves beyond our means 1st Apr 16 at 9:34 PM
    I, like many, have been so inspired by many others diaries (crazy cat lady, Pippi, Brizzle ) to name but a few. I thought it was time to start my own. I need somewhere to chart my progress. I often post on the small things thread on DFW which keeps me on the straight and narrow but I often have other ramblings beyond that and so I thought here would be a good place.

    So what is my goal? Well our first aim is to pay off the last of our debt. We've done it before but our focus was different so we slipped in to some old ways (and some other more definite life choices) meant we had some debt. In May last year I started tracking agin and in September I upped the game, making every penny to overpayment and enjoying the balance go down on my spreadsheet.

    The start of 2016 saw us in a good place, although still a chunk to go, we have already cleared another 25% so far in 2016 and today I cleared one card entirely we have a plan, a budget and are sticking to it. We want to build an extension this year too, which will see our mortgage go up rather than down in the short term, but again it's all part of the master plan and our aim will then be to overpay that until it's gone

    So this diary will hopefully keep me on the straight and narrow, allow me to track my progress (along with my trusty spreadsheets!!) and give me a space for my ramblings when my head is working overtime (something that happens often )

    So pull up a pew, grab a or your tipple of choice you're more than welcome to join me
Page 15
    • crazy_cat_lady
    • By crazy_cat_lady 21st Feb 17, 8:29 AM
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    crazy_cat_lady
    So pleased that you've had a good time away PF.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • PurpleFairy26
    • By PurpleFairy26 23rd Feb 17, 9:07 PM
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    PurpleFairy26
    Back to reality after a week away. Cashed out another £10 voucher on a survey site. That's half a door handle

    Another survey sites that's normally really good is annoying, it keeps not recognising my password, even though it's saved. They've recently changed their log in process and it's a pita which is a shame as the £3 a time and odd product here and there is good.

    Realised one of my annoying jobs that needed some spends and some time was done by the handyman when last here bonus

    Big use up today in kitchen :
    Last of jar of mincemeat and some LO pastry made 6 mince pies and a mincemeat turnover also mixed in teaspoon of fig jam that was lurking at bottom/sides of the jar
    Used last pickled onion (one of those giant kahunas) in my fake he1nz soup
    Used last of spinach (altready on its way to wilting ) in pork thing for tea
    2 manky bananas, 6 years OOD dates and 5 years OOD pecans in cake in BM
    OOD malt extract in malt loaf (threw last of sultanas in there too)
    Froze a pack of beetroot (you know the fresh stuff in vinegar) not sure if this will work but I wasn't chucking it away.

    Will freeze some of the cake/malt bread (honest )

    Checked my monthly to do list and doing OK. Looked at march to see what I can add on. Had surprise e mail from friend in the big smoke whose invited us down at short notice at the weekend. They said we can stay at theirs and they'll cook. So we're going fuel paid by work so should be low cost and a nice night away.

    Washing drying nicely, despite no/limited heating. Will continue with the 'shuffle'

    Found the tea bags, coffee and sugar I bought from our stay away that were'freebies' will use up as I go.

    No news on OH job they've bizarrely not said anything aft he said no and they said they would need to make it formal. He is looking at job boards, just doesn't want to jump out of the frying pan into the fryer!

    He has sorted out a load of dvds and I've listed some and DH has listed for the first time too : happy days.
    Last edited by PurpleFairy26; 23-02-2017 at 9:10 PM.
    • 1LuckyLady
    • By 1LuckyLady 25th Feb 17, 4:07 PM
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    1LuckyLady
    Hope you have a nice weekend away PF
    Impressive kitchen use up too!
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • PurpleFairy26
    • By PurpleFairy26 27th Feb 17, 12:23 PM
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    PurpleFairy26
    We had a great night away with friends. We bought some booze and flowers to contribute to the hospitality but other than that it was free work paid for fuel, friends did lots of lovely food and we walked and went to free entertainment/ long walk.

    I'm glad I got some stock and a small piece of salmon out of freezer on Saturday though as tea was fairly quick last night and I used up some broccoli that was starting to look worse for wear in a yummy risotto

    Didn't have to make DD packed lunch today as they're having takeaway pizza apparently

    Need to tax DH car but have the money stashed in bills account. Turned grey and dark here, so will be drying washing on airer. Need to get something out for tea, will get something for tomorrow too, so we're not caught out. Determined to keep food spends as low as possible this month - freezer (s) fairly full, need to get them empty so a) I can get my plastic boxes back for more leftovers and b) I would ideally like to turn one of them off if I can to minimise electricity spends

    Found out gym now does yoga included in membership (they didn't used to) DH and I might go Thursday if we can.
    Last edited by PurpleFairy26; 27-02-2017 at 12:34 PM.
    • PurpleFairy26
    • By PurpleFairy26 27th Feb 17, 10:09 PM
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    PurpleFairy26
    Didn't really fancy anything for tea. Girls had soup, DH had some left over corned beef on toast and so I got a muffin out of the freezer that I had some ham in. Did get sausages out for tomorrow and a portion of lasagne for me to take to work for lunch.

    Bought DH car tax online. Paid by DD. The payment won't come out for 2 weeks but it'll still be taxed from 1st. Better in my account than theirs

    Made a list of cards I need between now and end of may. Wrote a card for someone, will post tomrrow, already have a stamp. We're having our will done through the free wills network, made some updates to first draft and will send back tomorrow. Added some things to march to do list to keep me on the straight and narrow.

    Another £300 in regular saver today. 3 more to go
    • brizzledfw
    • By brizzledfw 28th Feb 17, 12:14 AM
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    brizzledfw
    Weird re OH's job. Bit bizarre really. Has he asked any more or is he just keeping quiet?

    Looking like steady progress PF..well done. Like the sound of the Yoga...hope you find the time to go
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 67/100 ** LSDs Target 5 for September 02/05 **AFDs 13/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • PurpleFairy26
    • By PurpleFairy26 28th Feb 17, 9:20 PM
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    PurpleFairy26
    Weird re OH's job. Bit bizarre really. Has he asked any more or is he just keeping quiet?

    Looking like steady progress PF..well done. Like the sound of the Yoga...hope you find the time to go
    Originally posted by brizzledfw
    He's kept quiet TBH. However, when he got home this morning he has been told by someone else that his boss is going to speak to him when he's back from holiday next week. We'll see.

    We've got a big decision over the next month to make that will have an impact on lots of things one way or the other. Work thing will form part of the outcome without a doubt.

    Had pancakes for tea one of my favourite foods ever, so would have been rude not too

    Got £5.74 refund for some miscalculated interest on my n3xt account. They paid 8% interest shame my savings account isn't at the same rate

    Have been planning what I need to sow some vegetables this year. Most of what I need is my time and some planning, have some seeds to use up, they're out of date but I'll give it a whirl. I do need some seed potatoes, though.

    Last few bills to go out before payday on Friday. March. Springtime. Lovely hope it will bring lots of lovely days and spring flowers.
    • PurpleFairy26
    • By PurpleFairy26 2nd Mar 17, 6:27 PM
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    PurpleFairy26
    new radiator fitted in DD room today, another room on way to being finished. Carpet already booked for 2 weeks time. Will pay the man tonight from house savings. So far we have done this room entirely from savings/ things we have sold, including plastering, new skirting, door, door frame, purpose built cupboard, a couple of floorboards replaced and paint. Still have lighting to replace (fairly straightforward as just a straight swap) and wardrobes (the later will probably test the savings pot )

    Tomorrow is payday

    checked tax code as had an e-mail looks good for 2017. Despite them telling me different when I called, it does appear that they have double charged me for free fuel. This should mean that a) I will get a rebate when I do this years return and b) I should have a noticeable difference in my pay post April

    Payday tomorrow and progress this month made:

    only 3 months of fixed saving until we've done it for a year - that gone quick
    tomorrow payment to EF will mean were in 1 month away from passing target 1
    We've more than £1000 in easy to get to savings for the first time even if we paid off all our debt, we've another nearly £2k in tax bill savings set aside for this tax year (all in high interest too)
    We've been away for a long weekend this month all paid for in cash
    DH new account opened, should get £125 this month for that

    Progress stalled:

    on 1p reducing challenge - I knew this would be challenging in Feb with going away. Good news is I've tracked how much short I am and will overpay this month


    Other good progress is on our food bill, using stuff we have. This is our aim for this month as to how low our spends can be and how empty our freezer can be at the end of March. Also aiming to use things from use up box too. Happy days.
    • Bobarella
    • By Bobarella 2nd Mar 17, 6:35 PM
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    Bobarella
    Well done on all the house progress, and the savings too.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • PurpleFairy26
    • By PurpleFairy26 4th Mar 17, 8:42 PM
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    PurpleFairy26
    DH done some work in the girls room and planning on doing more tomorrow, will need to,pop to DIY shop for a few bits, but we want to do it properly. Have some money on a gift card which will go toward some of it.

    Carpet down this Friday not next no room for slacking this week then project use up continues, 2 Bradley apples, 5 frozen raspberries and half a punnet of frozen from fresh blueberries In a crumble. More meat gone from freezer as I made lasagna for te. Will do a roast tomorrow, with sliced roast meat from freezer. I've taken a chunk of soda bread out of freezer, is taking up room. Think it may be hard when it defrosts, if so will breadcrumb it for stuffing. If not are, will have it with soup for lunch tomorrow.

    Need to go to wholesalers for some storecupboard stuff, will possibly pop tomorrow.

    Managed £1.50 on 1poll with some screening type surveys that you couldn't get screened out off. Nearly at £35 hubby very close to 40

    Will try and do some batch cooking tomorrow to get ahead for the week. Maybe some cakes

    Thinking of trying money hub on a trial for the analysis but bailed the sign up when it asked for my bank log in to import the transactions. Quick g00gle suggests it's ok but Something to ponder. Views welcome

    DH sold two items on fleabay. One sold, other payment pending need to synchronise accounts this weekend and make sure money is in the right place for new accounts.
    • PurpleFairy26
    • By PurpleFairy26 6th Mar 17, 8:40 PM
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    PurpleFairy26
    Money all in the right place batch cooking completed, including fake he1nz soup for lunches this week. Muffins are were great managed to use some more of my mammoth bag of frozen blueberries. Going to investigate making jam or chutney with strawberries /pineapple now I have stashed some jam jars.

    Popped to local discount store today and bought 2 raspberry plants and about half a dozen presents for present box

    Also managed to do lots of work as was working from home good start to the week.

    DH and I made a huge decision last night, one that has been ongoing for some time. Probably the most difficult ever. One of the hardest things is only time will tell if it's right.

    Not much more to be done in the smalls room, so I have started pulling wallpaper off ours I can start prepping it whilst putting furniture back in to the smalls and doing finishing touches.
    • Bobarella
    • By Bobarella 6th Mar 17, 9:55 PM
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    Bobarella
    Hugs PF. I hope that now you have made your choice things get easier.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • PurpleFairy26
    • By PurpleFairy26 10th Mar 17, 10:13 PM
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    PurpleFairy26
    Hugs PF. I hope that now you have made your choice things get easier.
    Originally posted by Bobarella
    Thanks bob I hope so too. It's been a difficult journey and one that has been very personal and DH and I aren't really ones for sharing, which, whilst our decision is sometimes as hard as we internalise things. Hopefully we can move on and not have any regrets down the line.
    • PurpleFairy26
    • By PurpleFairy26 10th Mar 17, 10:24 PM
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    PurpleFairy26
    The smalls have carpet in there room it looks fab and makes our hall carpet look like Lino!!

    DH started building the beds, but they're sleeping on mattresses tonight - they just think it's some adventure

    Hopefully we'll get the, up bier the weekend and can get some other furniture back in too so at least I'll be able to get back in spare room. Must pay for carpet. Add to to do list.

    Our area are trialling 39 hours free childcare from after Easter. Well on,y get it until July but might as well. You'd think. However, you have to call a number for eligibility. Which is constantly engaged. Joy!

    Want to start get the wallpaper off our room next. May have already started

    Cleaned a big patch of black off the kitchen ceiling with some mould spray I already had in. I also managed to get washing outside to dry this week. It's brilliant not having washing hanging round the house.

    Over £35 on 1poll and another £3 p1necone done today. £10 voucher arrived in post this week as have hot drink and cake vouchers x 2
    • Bobarella
    • By Bobarella 10th Mar 17, 11:24 PM
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    Bobarella
    Hugs again. Doesn't sound easy.

    39 hours free childcare? From what age?
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • PurpleFairy26
    • By PurpleFairy26 12th Mar 17, 5:15 PM
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    PurpleFairy26
    Hugs again. Doesn't sound easy.

    39 hours free childcare? From what age?
    Originally posted by Bobarella
    Did I say 39 Sorry fat fingers (as my DH was so lovingly say ) it was meant to say 30. They're just bringing the 30 hours free for over 3s forward by a term in our County as a trial.

    Crazy busy none stop weekend, however, progress:

    Put bunk beds up for smalls yesterday and new bedding they had for Christmas on rest of room still empty, Due to final bit of painting beds not in final resting place yet, so don't want to have to keep moving stuff
    Friends for dinner last night. Did buy some booze, but cooked Balti from scratch (already had homemade paste in fridge) and naans from freezer. Treated us to ys chocolate pud.
    Left over rice from ^^ for tea as egg friend rice for DH and my tea
    Bought ys sausages and we had sausage sandwich this morning so we weren't tempted to go out wth friends for breakfast
    Made DD lunch for tomorrow
    Managed 3 @loads of washing almost dry in line yesterday. Dried on airer since.
    No heating on since Friday.
    Managed a walk yesterday with a friend whilst smalls were at an activity

    Early night all round.
    • Bobarella
    • By Bobarella 12th Mar 17, 11:48 PM
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    Bobarella
    I didn't know 3 year olds get 30 hours now. I thought it was still 15. I'm not really in the loop with such a gap between mine.

    Sounds a good day
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • PurpleFairy26
    • By PurpleFairy26 16th Mar 17, 6:13 PM
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    PurpleFairy26
    Where has the week gone .... oh, yes I remember, lots of work I have 30 minutes or so in the house on my own, which just about never happens and it feels a bit odd.

    This work I have done some surveys - need to cash out £3. Got a sample to test for 4 weeks of something I would buy anyway and potentially 2 more surveys from that so another £6.

    Picked up some curtain hooks today that have been on my annoying thing list since start of January used local town discount card for 5% off and my cash back debit card for another 5% - happy days. Just need to think about hanging them now and whether I do need a new curtain pole or not. Will try and make do.

    Need to order DDs curtain pole, so if I do lounge curtains first - if i do need one I can just get it from same place, they have decent c/b through £co so not the end of the world as they are reasonably priced to start with

    Managed to get some items I needed and a potential couple of gifts in the n£xt sale. Will come from gift/clothes piggy

    DH car booked in for MOT on Monday might be time to scrap it - we'll see. Project use up continues on food, so spends are lower than they could be - must continue, despite us getting to some random concoctions at some point! Must remember to do menu plan for next week. Spent £3 in market today on strawberries and cherries.

    Utility bill came in, noticeable drop from last month, hopefully next month will be more to eat in to the small debit we are in and hopefully build some credit for next winter.
    • Bobarella
    • By Bobarella 16th Mar 17, 8:02 PM
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    Bobarella
    That's good that your utility bill is down. I'm hoping for similar next month. We switched our heating off for the year last week so it should halve the gas element at least.

    I just pay my bill each month in full rather than just a standard amount. It works out ok really. It's £59 a month for the 8 months we don't use the heating and then goes up to £95 for the remaining 4. Something to look forward to
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • brizzledfw
    • By brizzledfw 18th Mar 17, 8:52 AM
    • 7,092 Posts
    • 34,315 Thanks
    brizzledfw
    Good to see all the progress, well done x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 67/100 ** LSDs Target 5 for September 02/05 **AFDs 13/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
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