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    • 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 19
    • PurpleFairy26
    • By PurpleFairy26 28th Jun 17, 8:58 PM
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    PurpleFairy26
    Another good day of AL. Have decided to go with architect we also finally had opportunity to buy the wardrobes for smalls room and we came in under budget I paid on the cc for points but will transfer the money over straight away

    I managed to also:
    Take 2 bags to the charity shop that I'd been moving round the house and garage for I don't know how long
    Paid in a refund of £2.32
    Paid a chunk on original debt and it's under £2k
    DH mopped 3 rooms so they now look lovely
    Used some left over roast lamb out of freezer to make a cheeky midweek curry

    What I haven't managed to do is exercise I need to get past this, planning a run tomorrow. Spent some of today trying on dresses for 2 upcoming weddings. Safe to say I found lots of lovely ones, in the sale but why oh why do designers think I want everything to finish above my knee if it was a size 8 maybe, but I'm not and I don't. The only long one was £159, cue more I have one already that I *could* wear and would be very MSE but given that I rarely go to weddings and the two this year are the closest people to me ever to get married, it's a bit of a one off. So don't want to break the bank but, would like something I feel comfortable in.

    Oops, that turned in to a bit of a waffle. Hopefully it'll *help* me when I think about that run tomorrow
    • PurpleFairy26
    • By PurpleFairy26 29th Jun 17, 1:06 PM
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    PurpleFairy26
    So I made it to the gym and ran 6k considering it's been 3 weeks since my last run and I've had food poisoning since, I was very pleased. So much of this is mind over matter. Hoping to go again in the morning. Burn off some cals before indulging in afternoon tea

    Been researching stocks isas and child bonds today. Inspired by a bond I took out for my god daughter 12 years ago that is just about to mature. I've paid in 1440 over that time and she'll get another nearly £700 on top of that. I don't know if that is good in the scheme of the performance of these things as I'm not an expert but seems ok to me. There's also C/B available and you get a welcome 'gift', will talk to hubby later.

    Got £3 on a p/c survey and a product on the way to test. Another product arrived earlier in the week which will help stretch food budget next month :
    • PurpleFairy26
    • By PurpleFairy26 1st Jul 17, 11:17 PM
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    PurpleFairy26
    Managed another 5k yesterday and I can tell I was off work as I had my highest level of activity in Fitbit since I've had the thing and managed 7/5 target days of exercise

    Another good day today, food from stores (no dinner needed due to activities and us all passing like ships in the night) smalls had hm pizza with dough I double batched last time and mozzarella I'd frozen made twinks hobnobs as snacks too

    Took two items back for refund and notified of two others I sent back last week.

    DH also doing overtime today to add to the coffers - although he was a day short on his new job this week. So will likely just balance out. Anything extra will be good.

    I can see in my banking I'm due £35 dividends on Monday too I also managed to sell my old bike through book of face so no fees and sold a small order for my little biz. All profits to the coffers

    Bought raspberries and other fruit from the market at exceptionally good prices, so made jam with one of the raspberry punnets - already had jam sugar in. Send BM again. Need to ask mum of she has any jars so I can make some more, found DH has used several of the ones I saved for decorating purposes
    • PurpleFairy26
    • By PurpleFairy26 2nd Jul 17, 9:13 PM
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    PurpleFairy26
    Sunday
    busy old day today, but in a good way Got gooseberries and raspberries at PYO this morning with smalls. Probably not the cheapest way to get them but good fun. Quick trip to SM, very small list to go with meal plan. Came home and started making :

    Homegrown rhubarb in a crumble (froz the rest of crumble mix)
    Rice and beans from Mrs FW blog (used HM chilli jam instead of the chilli paste they used) [made smaller batch - will do 3 lunches]
    Lasagne for tea tomorrow
    Rhubarb syrup from stewed rhubarb
    Hummus
    Roast dinner, using several things from freezer (also added 4 YP to freezer where I btached cooked them)
    raspberry jam

    also managed two loads of washing with testing sample and dried outside, changed 1 bed. All in all a good day.

    Just been on work e-mails (boo! I work some annoying people )

    Off to research some raspberry recipes (have one for an apple and raspberry cake somewhere that I remember was lovely) and some updos for smalls for wedding we care going to soon.
    • Bobarella
    • By Bobarella 3rd Jul 17, 9:04 AM
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    Bobarella
    Hi PF
    Have never done pick your own, dont know why as I come from the countryside originally. Glad you had a nice day.

    Bob
    " 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 3rd Jul 17, 10:06 PM
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    PurpleFairy26
    Evening all, thanks for popping by bob your two would love it I'm sure, especially with your sons love of raspberries. Maybe an idea for a few hours in the school hols? Although raspberries may have ended by then.

    Managed to do all of my books for little biz for last tax year bar about 5 entries I need something I've left at work. Once I have that I can then do mine and DH tax returns and our partnership return tempted to enter what numbers I have on mine now and see what number it come sup with

    Just sold another item on fleabay, listed for goodness knows how many times. All helps, can post tomrrow when I'm WFH. A refund came through today too
    • brizzledfw
    • By brizzledfw 4th Jul 17, 8:06 AM
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    brizzledfw
    Wow!! You're on fire!! Fabulous, well done

    Hope being back at work ain't too much of a shock. Can I tempt you into a mid week exercise challenge?? Planning to do a class this evening, otherwise stuffed until Friday due to work commitments and a school thing..

    Have a great day PF x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • PurpleFairy26
    • By PurpleFairy26 4th Jul 17, 8:12 AM
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    PurpleFairy26
    Wow!! You're on fire!! Fabulous, well done

    Hope being back at work ain't too much of a shock. Can I tempt you into a mid week exercise challenge?? Planning to do a class this evening, otherwise stuffed until Friday due to work commitments and a school thing..

    Have a great day PF x
    Originally posted by brizzledfw
    You're on. I'd like to do 2 lots between now and Friday if that's possible. I'll keep you posted.
    • hugglemonster
    • By hugglemonster 4th Jul 17, 3:43 PM
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    hugglemonster
    Blimey so much going on, good news that the extension is progressing - hope the application doesn't take long to go through and you can start building - and all sounding good with food and exercise.


    I used to love going strawberry picking as a kid, eating quite a few along the way!


    H x
    Debt: Overdraft 2 £1200/ now £1000 Credit card £2200 now £2050 Car - Lots!!
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • crazy_cat_lady
    • By crazy_cat_lady 4th Jul 17, 5:01 PM
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    crazy_cat_lady
    I love PYO - unfortunately though our closest one is an hours drive away so we don't go often.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • brizzledfw
    • By brizzledfw 6th Jul 17, 9:43 PM
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    brizzledfw
    Planning a class tomorrow..how you doing PF?

    x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • PurpleFairy26
    • By PurpleFairy26 9th Jul 17, 8:23 PM
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    PurpleFairy26
    Evening all been away for the weekend, which was bought and paid for a long time ago. To be fair, it's self catering and we take everything with is so very good value considering. we did treatments between us, so I came home after a head message, full on pedicure and paint and a facial - all at no cost to me We shared the food and booze that was left over, so all good there too - came home with a few bits. Plus in beautiful scenery and great company, happy memories.

    Managed a 4k run and 4k walk whilst I was there Brizzle I *really* should have gone out this morning too - oh well. Better than nowt!

    Did half an hours weeding tonight, so garden looking fair again, have some more spuds that are ready to dig up, will do one night this week. Have done this weeks meal plan to include the tub I dug up last week Think I have some spring onion seeds (probably OOD ) that I'll plan in a now vacant tub.

    Spends low this weekend considering, and shopping list for week is small, given fridge, freezer and cupboard contents. So this should all help with my frugal month. following few weeks will be challenging as smalls off school after this week, so will need to make sure I've baked snack etc.. so we're all ok on that front and not tempted to keep popping out. We do have a box of ice pops in freezer already.

    Going to go on line in a bit and order DD school books from her reading list from the library, to get ahead. 2 days childcare to resolve, need to e-mail nursery when I have double checked dates tomorrow.

    2 reduced presents to wrap for teachers at DD nursery tomorrow (reduced ages ago in present box) need to message lady about potential items for the other nursery and school teachers, Am keeping them lean and thoughtful

    Also relisted about 12 items on fleabay and another new one. Few of my BIN ones are ending this week, all have watchers, am hopeful

    Right, busy week ahead - I'm in the office 4 days which is rubbish, so need to be organised - off to make a list of things I need to make sure I do. Hope you've all had a lovely weekend in the sunshine.
    • PurpleFairy26
    • By PurpleFairy26 11th Jul 17, 6:23 AM
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    PurpleFairy26
    Morning all, day two of a loooong week here. Little chance of any exercise before Saturday here Brizzle and that's slim as I'm away again and lots of 'planned' fun happening by the organiser it seems so not sure if I'll have any free time. I'll see, hopefully I can squeeze something in. Just realised how sad that makes me feel.

    No change in banking, so made small TT today will aim for some more by end of week if it's still looking healthy. Could do with knowing when they plan on paying DH for second job, they're so disorganised it's untrue.

    Going to get some burgers out of the freezer for tea, we can have them with home grown potatoes that's I do hassleback style for a change I think. Give me something to look forward to during my tedious meeting

    Right, must get on. Purps.
    • brizzledfw
    • By brizzledfw 15th Jul 17, 11:27 PM
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    brizzledfw
    How's it going? Pretty feeble this week...one class only...and largely took bus or car to work... Need to step up a bit to be honest

    Hope you're doing well x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • PurpleFairy26
    • By PurpleFairy26 16th Jul 17, 9:23 PM
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    PurpleFairy26
    Hey Brizzle just one 5k this week but I managed it outside in glorious surrounding and didn't stop so focusing on small wins crazy busy week (again) and for weeks have been focusing on getting to tonight as it's been non stop for the last three weeks. Hope now I'm here it doesn't disappoint

    Lots of juggling, like others, for the next 6 weeks of schools hols but have it all planned out, just two more days to fix, will send an email shortly to request those. Will be paying childcare but I don't have any other choice. Oh well, it could be worse. I think I'm paying for 17 days between 2 of them over 6 weeks, so appreciate it could be a lot worse.

    Managed a very frugal weekend away (if you ignore the hideaous cost that was outside of my control for going ) I took a bottle of gifted wine, drank lots of tap water (including whilst out) and treated myself to a slice of cake whilst out. However, I saw lots of 'money not really an object' behaviour this weekend which didn't please me. Made me realise how frugal I have become.

    Dig up another tub of spuds when I got home and we had some for tea, will probably make and freeze a veggie curry with the rest as that was lovely last week. Another frugal week planned food wise, meals planned and shop done, maybe just some milk and fruit at the end of the week. If I could stretch £15 out until Friday that would make me happy.

    It's not payday until Friday which seems ages away, given that DH hasn't been paid from his second job. I'll see if there is anything we can do to speed it along.

    Got two late birthday presents this weekend, both lovely and an unexpected surprise

    Trying to cash out survey voucher and it doesn't like my address, despite it not changing form when I've used it before, will try again later/tomorrow

    Sold a fleabay item, will post tomorrow

    Also think I've sold my old lounge curtains and 5 cushions, however, lady keeps messaging me with various random questions. Not sure how that's going to pan out. Would be nice for them to be gone out of the spare room. And the money to LPDF
    • Kittenkirst
    • By Kittenkirst 16th Jul 17, 9:55 PM
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    Kittenkirst
    Good work with all your running, sounds like you do similar distances to me

    I'm very envious of your spud growing too, they sound delicious!
    2017 MFW #20 - OP £2151.52: £2150 100%
    Last 3 months- Sep £206.32 Oct: £179.60 Nov: £12.58

    Emergency fund £3945/ £6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • PurpleFairy26
    • By PurpleFairy26 17th Jul 17, 9:18 PM
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    PurpleFairy26
    Hey kittenkirst thanks for popping by, potatoes were so easy, so glad I made the (little) effort. Hardest thing was drilling holes in the bottom of two repurposed broken washing baskets they taste delish too definitely on my list for next year, with a few other things. I've planted beetroot in one now empty tub that I'd grown from seed in another and now planted spring onions in the other. Fingers crossed.

    I think we are in the same neck of the woods too KK I'll swing by your diary soon I promise

    In other news spent an hour and a half with a man today that will probably be the most expensive 90 minutes ever we finally have engaged an architect ok, he's not that expensive, in fact very reasonable, about 1/4 of what I had estimated, however he will produce a piece of paper that will be the most expensive piece ever (well until we get our deeds when MF )

    Glad we had draft plans drawn by DH friend, even if not quite right as it saved my scetching skills he thought our plans were very sensible, doable and threw in a couple of questions of his own to get the grey matter going

    To celebrate we had egg, chips and beans for tea for a split second I contemplated going out for tea but on day 1 of the hols that would have been a slippery slope I feel and not good for frugal July

    In other house news, DH has contacted that Swedish place about replacing part of the wardrobe that broke during assembly, we could have bodged it, but frankly why would we when they're going to be fitted. It would just annoy me for ever. Let's hope they feel the same way.

    Our hoover has gone to electrical heaven, it'll either not switch on or if you get it to stay on, you can't switch it off. Considering its length of service and it's cost per use we've definitely had our money's worth. Was going to go second hand but been researching new ones. Need to order one soon, stairs are desperate despite cost of new one, hoping a decent one will maybe give the carpet on the stairs and landing a year or so until the extension is finished and we can just have a new one then. Or maybe that's just me trying to put a positive spin on it I'll keep you posted.
    • brizzledfw
    • By brizzledfw 20th Jul 17, 10:27 PM
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    brizzledfw
    All sounding lively PF!! All good, well done.

    DD2 off now and Dd1 from tomorrow....so that's my housework covered then..
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 20th Jul 17, 10:28 PM
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    brizzledfw
    PS I was trying to be ironic....they're not bad but certainly there is rarely spontaneity, one has to ask...
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • mfmaybe
    • By mfmaybe 20th Jul 17, 11:18 PM
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    • 3,197 Thanks
    mfmaybe
    All very exciting PF! But can I suggest a cheap Hoover until building works are finished? More Dysons are killed by plaster dust than any other cause
    Create credit card buffer fund £12.93/£1000 1.4%paid. Pay by Christmas 17

    Other debts paid since 1/1/14: £17,005
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