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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 21
    • PurpleFairy26
    • By PurpleFairy26 6th Sep 17, 1:39 PM
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    PurpleFairy26
    So the wardrobes are down I worked this morning but have just managed to get them down in about half an hour. Not bad going seen as the filly sools who lived here before bought ones that were too big and could only have made them upright in situ anyway, gone forever and bedroom looks like it's had an extension pulled top layer of wallpaper off at same time as it was terribly dusty.

    Productive week continues. If only I didn't have to work it rather gets in the way

    Just stopped for a slice of hm quiche for lunch, rest will go in freezer in a minute, portioned. Have also made pineapple chutney (from OOD frozen pineapples) and a litre a blackberry liqueur. Trying to find some small bottles that don't cost the earth (or are indeed free ) to decant it into for gifts.

    Going to make a cake now before I get in with vacuuming upstairs.

    DH got paid and was more than expected so repaid 2 'pots' that I'd overspent on and also paid some to LPDF. Also did a big cupboard shop yesterday as DH has increased discount at the moment so will save us in the long run, didn't go too mad. Also got a Christmas present that was half price to put away. Must update my list.

    Right must get on otherwise I'll stay here all day.
    • brizzledfw
    • By brizzledfw 8th Sep 17, 3:42 PM
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    brizzledfw
    Sounding good...especially that liqueur..
    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 10th Sep 17, 11:01 PM
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    PurpleFairy26
    Lovely day out yesterday, all paid for as a treat by others. Something I had wanted to do for a looong time. Was very special I spent £5.50 on two drinks, but given that travel, food, drinks and entertainment were paid for it was a small price to pay

    Managed to strip 2 walls of wallpaper today in bedroom DH had also started in the hall when I got back yesterday, I didn't think the wallpaper made too much difference, but wow - it's brighter already Am WFH on Tuesday and Thursday and I might do an hour each day on whats left, which should break the back of what's left. We're just going to paint the hall, so no need to have that plastered. But will look much fresher.

    Food spends still under control and freezer still surprisingly full No exercise managed this weekend, although did manage to activate my tracker 6 of the 7 days last week due to the amount of walking I have been doing. I would like 2 runs this week. Pay day Friday, so am keeping things tight until then and anything left will be swept to LPDF.

    Need to work out how best to stash clothes that are in big chest of drawers to get space back in bedroom. Maybe see how many plastic boxes I have left after local nearly new childrens sale this weekend - which reminds me, I must label for that this week Will have to make it in the loft tomorrow.
    • PurpleFairy26
    • By PurpleFairy26 11th Sep 17, 9:09 PM
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    PurpleFairy26
    Is it only Monday

    Managed to get in loft though, albeit I've not labelled anything, just piled it up in the lounge. Baby steps

    Did manage a £3 survey with free sample and it'll be another £3 for follow up. Will likely find a couple of things to list on fleabay whilst doing the stuff for the sale.

    Could be worse for a Monday.
    • crazy_cat_lady
    • By crazy_cat_lady 12th Sep 17, 7:44 PM
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    crazy_cat_lady
    PF - I am in awe of how much you always have going on but you're always getting on with it. I'm trying to decide whether or not to get new windows and doors but don't know if I could manage the disruption.
    Pleased you had a good weekend.
    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 13th Sep 17, 4:32 AM
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    PurpleFairy26
    PF - I am in awe of how much you always have going on but you're always getting on with it. I'm trying to decide whether or not to get new windows and doors but don't know if I could manage the disruption.
    Pleased you had a good weekend.
    Originally posted by crazy_cat_lady
    Hey cat thanks for popping by. TBH when we had some of our windows replaced last year it was a breeze. We didn't even have to take the blinds or curtains down they were in and out in no time. If your house needs them and budget stretches, I would definitely go for it. We're just waiting for a final quote for a porch and then we'll decide whether we have the rest of the Windows done or a new porch. They will both need doing at some point, so hope porch quote is favourable so we can stretch to both this year as our dining room window is definitely drafty
    • PurpleFairy26
    • By PurpleFairy26 13th Sep 17, 4:39 AM
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    PurpleFairy26
    Lack of sleep due to wind, it's blowing a gale out there, so I've got some coffee and done some meditation

    I've made the last payment in this years budget. (May seem odd but I work in financial periods, as that how I get paid) so it makes sense for my budget to align with my work cycle so it starts again when I get paid in the first period, which is Friday just need to double check the budget for coming year, it will obviously be tweaked along the way but we have set some ambitious targets around saving and debt repayment and I want to double check my sums, particulate as I've taken out a 3rd share save at work which has reduced my income slightly (but increased my savings and possible return on investment )

    Inspired again by Brizzle I'm going to track my savings % per month and see how we get on

    Not much else to report, been pulling bits of paper off the hall wall every time I go past - didn't get any time to do some yesterday as I had so much work on, I'm slightly more hopeful for tomorrow, shame that doing it now would wake people
    • PurpleFairy26
    • By PurpleFairy26 13th Sep 17, 9:50 PM
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    PurpleFairy26
    Productive day considering the early start work is fairly pants to be honest, not helped by lack of sleep. Would like to tell them to do one, but that's just not in the life plan. How many incompetent people do I have to chase/ explain how to do it correctly/ wonder how they ever got a job, let alone get out the house daily

    Manage to label pretty much everything apart from some stuff that needs hangers for sale. Need to hunt in loft tomorrow for some. So that's positive, plus stash to one side for friends LO. Let's hope a chunk sells which will be good for the coffers and reduce the amount going back in the loft.
    • PurpleFairy26
    • By PurpleFairy26 17th Sep 17, 9:51 PM
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    PurpleFairy26
    So sale was good, found a bag of toys night before which manage to label too sold my buggy at last too. Went to a lovely couple which made the parting slightly easier

    Got rid of loads and sorted out what I've bought back. Also spent the day on my feet so easily managed 12.000 steps got lunch and drinks provided so spent £1 on cake (for charity so that's allowed ) and a few bits from sale, but nothing ridiculous, some for present box too.

    Currently got a chicken carcass from roast in sc with a poorly leek, 2 bendy carrots and frozen broccoli stalk risotto for tea tomorrow

    Did big payday shuffle last Friday, including the start of my new budget year spreadsheet. Pots all looking healthy and DH and I please with repayment level on loan, much higher than planned, let's hope that continues.

    Must contact $ky as deal ends this month and I don't want to get stung with increase, need to swap energy supplier too as Ours have turned out to go from great to useless. Got a free DVD with $ky (thanks cathT) for the tip off

    Also got letter about btl, mortgage doesn't end of ages but need to think about plan for that, would like to go part and part on mortgage, may call on Tuesday when WFH to see what that might look like.
    Last edited by PurpleFairy26; 18-09-2017 at 9:26 PM.
    • PurpleFairy26
    • By PurpleFairy26 18th Sep 17, 9:36 PM
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    PurpleFairy26
    So called $ky, deal ran out today but you pay in advance so higher amount already gone out. Hmm. Anyway negotiated decent deal, will save £8 a month from previous deal price, so happy with that. I know some would say we shouldn't have it, but we have a very good deal on it. V long story, that we wouldn't get elsewhere so as it's a main source of entertainment (don't have sitters etc so can't go out in evening) so it's definitely our entertainment

    I also placed order worth about £50 to me in profit for small biz

    Done a utilities check, not sure any are worth swapping to as cost of current is apparently competitive. So may have to stick. Hmm.

    Lovely risotto with chicken stock, meaning I didn't have to play freezer Tetris today

    Made hummus with last of frozen chickpeas, need to soak an freeze some more and add tahini to shopping list

    Updated my admin book tonight and drew (in the loosest sense of the word ) plan of both gardens and what I want to take out and move to where (and buy - will go on my Christmas wishlist though) just need last of conifer mountain to go in next round of brown bin collections so I can then fill it up with other stuff
    • PurpleFairy26
    • By PurpleFairy26 23rd Sep 17, 9:01 PM
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    PurpleFairy26
    Productive week, despite work been a nightmare, I needed to keep going otherwise I would have just slept today, which wouldn't have been good. So I've stripped the wallpaper of the rest of our room (just behind big mamouth chest of drawers to do) and the stairs (all apart from the very high bit ) Used left over stripper from the rest of bedroom I made about two weeks ago

    Tomorrow I'm planning on being outside as it's going to be nice and I want to do as much as I can in the garden to hopefully get it ready for winter if you know what I mean. I'll need to do some more tidying and leaf picking and sweeping as autumn goes on but if I can do a fair bit tomorrow that'll be good.

    If I get done, I may be tempted to take all the clothes from the mammouth drawers, list them on fleabay and then strip behind it. I'm also tempted to pull the skirtings out. The spare room also needs tidying though which would be good to do then I could start stripping the walls in there - oh, there is so many options

    Friday, I also made cake, I had yogurt to use up, so made a sherry, raisin and almond cake I found. was lovely, turned out we had unexpected visitors, so it didn't last, so I made a second after they had gone as I lazily hadn't thrown the sherry away I'd soaked the raisins in, so used it a second time

    Saved some lemon zests today and will use in a maderia I'll bake later in the week when the other cake is gone.

    Made over £100 on the sale I did last week, very pleased with that. Plus so many items less to go back in the loft. I do have numerous boxes for fleabay, next charity sale, charity bag etc.. though that I need to label some I think so I know what is where. All in the right direction though, particularly if I can get some stuff listed on fleabay in the next week or so.
    Last edited by PurpleFairy26; 23-09-2017 at 9:28 PM.
    • 1LuckyLady
    • By 1LuckyLady 24th Sep 17, 9:07 AM
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    1LuckyLady
    Wow PF, I don't know how you do it all!!
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • brizzledfw
    • By brizzledfw 24th Sep 17, 9:51 AM
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    brizzledfw
    Echo the comments above, You're on fire!! Well done and all that saving too. Its brilliant to hear.

    I also have let the exercise falter...loads of steps but just too much to juggle. I am also letting things slide re food as well. Even the SC is a struggle at 6:30 in the morning so I am not killing myself any longer. Will meal plan though so we know what we are doing. DD1 likes using the Hello Fresh boxes which as we make them stretch to 5 people are a good compromise and the food always tastes good which helps her culinary confidence. So she will cook three meals next week(thank gawd) making the next working week bearable

    I may suggest jacket potatoes and tuna pasta bake for the other days. Like the sound of that sherry cake - always love using almonds too. Can you share the recipe?

    Over and out.

    xx
    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 24th Sep 17, 8:16 PM
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    PurpleFairy26
    This is the recipe for the cake

    https://www.bbcgoodfood.com/recipes/5396/almond-raisin-cake-with-sherry

    I only used half the raisins and just a glug of sherry as I didn't serve any on the side.

    I also made
    https://anitalianinmykitchen.com/easy-yogurt-cake/

    To use up OOD yogurt. Very good made it in a loaf as it's better for packed lunches

    Really good day, also dig out big bush root and tree root from front garden and a general tidy round. Front and back lawn mowed, dead headed some plants and dug up my tomato plants that have finished. Looks much smarter and well on the way to being tidy for Christmas, we just have some stuff to get rid of to the tip that will make the place look tidier. Some of its really long which means taking the seats out the back of the van to get it in, so will take a bit of planning.

    That a side, garden in good shape.

    Didn't move the drawers but we had a class teddy nightmare! We've got him for the weekend and just before bedtime realised he was awol much searching and a stressed me later, still no joy. How many places can he be in our house, not like we live in a palace

    Anyway gave up for a bit then small remembered playing in the hall. Found him inside my rolled yoga mat, why I didn't think to look there first I don't know

    Anyway, paper isn't going anywhere and some quality time with family for a BBQ was more important. Used some ys bargains too

    Going to do some knitting now to bring by blood pressure back under control
    • PurpleFairy26
    • By PurpleFairy26 25th Sep 17, 9:11 PM
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    PurpleFairy26
    Is it only Monday weekends so short and weeks so long

    Can't wait for a time when I can spend all my days baking and pottering in the garden - although don't want to wish my life away, so I'll be content for my lot and happy I managed to squeeze in a cake make before work today Will freeze this one though - a) to see how it freezes and b) as much as we love cake, there is only so much even I can eat

    £co credit showing in the bank for tomorrow as is my sale money I also made £60 from an order from my little business which I'll get paid for tomorrow. Will get split 50/50 LPDF and house fund I think.

    I really must e-mail the builder the plans so he can quote, I'm not sure why I have been procrastinating on this so much.

    E-mailed supplier in Germany who we had the smalls bed from as a part has broken, they need a number from the instructions, so will ask DH if he knows if we kept them, if not, plan B, which is glue it and turn it around
    • PurpleFairy26
    • By PurpleFairy26 1st Oct 17, 4:06 PM
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    PurpleFairy26
    Another week has passed up by and it's been successful despite the business of it all. I've emailed the builder the plans, he's away for 2 weeks so it'll be a while before I get anything back. I listed an item of furniture on fleabay last night and got 2 messages within 10 minutes asking for a bin price. Added one and it was collected today meant we had to change our plans today so we could empty it and move some stuff around but put loads up in the loft another bag fo stuff for fleabay (listed 25 last night) will try and list tonight. But cash was worth it. Already in savings.

    Made some food today, cake, quiche, crumble soup for lunches. Also stewed another load of gifted apples and pears. Will freeze these.

    Plasterer booked for two weeks for one bedroom and one hall ceiling so just a small bit of work to do to prep for that. Will message wood man to book him in a couple of weeks later. Would like it all done before the start of December. Already have curtains, blinds and lampshade so only need 2 x chest of drawers and 2 bedside tables. Shouldn't be too expensive.
    • brizzledfw
    • By brizzledfw 1st Oct 17, 9:48 PM
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    brizzledfw
    So productive, well done PF. Have a great week 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
    • Kittenkirst
    • By Kittenkirst 1st Oct 17, 10:47 PM
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    Kittenkirst
    Hi PF, what is a crumble soup?
    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 2nd Oct 17, 8:30 PM
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    PurpleFairy26
    Hi PF, what is a crumble soup?
    Originally posted by Kittenkirst
    It's the one with the crunchier bits on top
    • PurpleFairy26
    • By PurpleFairy26 2nd Oct 17, 8:40 PM
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    PurpleFairy26
    anyone else got a family member they wouldn't choose as an acquaintance. Mine is really getting on my nerves recently. Something tonight that's just unacceptable. Really contemplating having it out with them. But don't want to upset others, so the whole situation just makes me anxious. Not what I need.

    Anyway, in things I am able to have an input on, several watchers on fleabay sales and 4 items with bids a few more would be nice, but there are plenty of days left in the week.

    Leftovers for tea, so meal planner survives another day

    I'm hoping to finish my knitting project tonight so I can start my next as soon as the wool arrives. That'll keep me out of mischief
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