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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 22
    • crazy_cat_lady
    • By crazy_cat_lady 3rd Oct 17, 7:33 PM
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    crazy_cat_lady
    My mother has a way of making me feel like she is Hyacinth Bucket and I am her scruffy sister that they all look down on. I love her to bits but I think I'm a disappointment to her because I make do and mend rather than spending money all of the time.
    RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • PurpleFairy26
    • By PurpleFairy26 8th Oct 17, 7:32 PM
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    PurpleFairy26
    My mother has a way of making me feel like she is Hyacinth Bucket and I am her scruffy sister that they all look down on. I love her to bits but I think I'm a disappointment to her because I make do and mend rather than spending money all of the time.
    Originally posted by crazy_cat_lady
    Totally agree CCL (not that youíre the scruffy sister) mine seems to think that as I donít spend all my time shopping in high end stores Iím just not Ďrightí! That and the fact I donít want to do things like go abroad for a week without my children she really couldnít get that one. Their latest instalment is one of their finer moments though Iím just choosing not to have any unnecessary contact to save my sanity

    In other news, several things sold on fleabay, reslisted the rest. House tidy, including some sorting in the spare room meaning I can get the airer in there although there has been lots of opportunities to peg out this week that have made me happy.

    Tried the homemade mango chutney today. Was lovely, much better than I thought. Iíd definitely make again, particularly if I can get cheap frozen mango or ys mango. Made lots of other baking things too, freezer is packed, so itís back to freezer jenga lots of lovely meals to be had though and some new ones as deliberately ordered a box that had a couple of items in I wouldnít normally buy.

    Managed a quality night out wth DH this wee too which was nice and also prepaid so canít complain. One week until payday, should be able to get to the line ok.

    Happy days.
    • PurpleFairy26
    • By PurpleFairy26 14th Oct 17, 8:45 PM
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    PurpleFairy26
    Another busy week, seems never ended and so glad we got to the weekend in tack. Confession time, we had a takeaway last night. However, first one in ages, in fact, I think itís the first one this year so itís not like weíre at it all the time. It was amazing too

    All pots topped up after payday, happy days. EF at 77% of target and everything else looking fine. Had a repayment of a savings account from work, half to savings and half to debt repayment, so savings outside of EF also looking healthy.

    In house news, weíve finished stripping the last bit of walk behind the tv in the bedroom and taken off all the skirting so itís ready for the plasterer on Monday. Just our bed to move out tomorrow, I think weíre going to squeeze it into the lounge for a days.

    Weíre off out tomorrow using our annual passes. Will take a picnic, just parking to pay which is fine, still a cheap day. Will get something out for tea before we go.

    Whole week off work, looking forward to some quality time with family
    • PurpleFairy26
    • By PurpleFairy26 21st Oct 17, 12:30 PM
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    PurpleFairy26
    Wow, first time I have sat down in a week it seems. What a week we've had. Used our annual passes to a collection of attractions 6 times Only paid for parking once, which was at a train station when we got the train to 2 attractions (saved £130 by driving most of the way )

    We took picnics where we could so spending was definitely limited and considering this was in lieu of our any holiday this year, it really was fab We've hardly been at home too, which means we haven't been spending on food at home either

    Plasterer has done our bedroom and the hall, due to the mild weather our room was dry in just over a day so DH has already started painting. I've been cleaning this morning as there is dust everywhere, which is all part of it and can't be avoided.

    I've reconciled our just for points CC today and got 800 extra points with various coupons from Mr S today when I did shopping from list. List wasn't too big as I got lots of 10p bargains yesterday when I popped to mr W for a pint of milk on the way home (was nearest)

    Next step is to get door and skirting on and blinds back up when DH has finished painting. need to call an electrician to replace some lights too, will do that next week. Can't believe where October is going, so need to plan some stuff for November as I think we're going to hurtle towards Christmas from now on in. Just a few gifts to buy though as I ordered a few this week. Would like to get that resolved in the next couple of weeks as it's always none stop (for lots of other reasons)
    • brizzledfw
    • By brizzledfw 28th Oct 17, 4:05 PM
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    brizzledfw
    Wow..sounds great and uber busy. Well done to the PF household on winning the MSE Productivity Award
    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
    • jmscott
    • By jmscott 30th Oct 17, 11:02 AM
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    jmscott
    Hi, and thanks for writing this diary - inspiring stuff!

    This is my first post, so please be patient. ;-)

    Can I ask where you got your blinds? We've done some work on our kitchen and back room, and need a few new blinds. There are a few online options that seem quite a bit cheaper than the high street. I'm not afraid of a measuring tape, but are there any hidden risks/snags to going online?

    Thanks for any advice/recommendations!
    • PurpleFairy26
    • By PurpleFairy26 31st Oct 17, 11:28 PM
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    PurpleFairy26
    Hi, and thanks for writing this diary - inspiring stuff!

    This is my first post, so please be patient. ;-)

    Can I ask where you got your blinds? We've done some work on our kitchen and back room, and need a few new blinds. There are a few online options that seem quite a bit cheaper than the high street. I'm not afraid of a measuring tape, but are there any hidden risks/snags to going online?

    Thanks for any advice/recommendations!
    Originally posted by jmscott
    Hi. Thanks for posting. We bought them from web blinds online, they were very reasonable and sent samples in advance which were free and allowed us to make the right choice in terms of colour. I went through a cash back site too for some more discount.

    Weíve been very pleased with them.
    • PurpleFairy26
    • By PurpleFairy26 5th Nov 17, 8:30 PM
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    PurpleFairy26
    RL has just been crazy. Thank goodness for a freezer full of food that has kept us from takeaways and quick fixes (save for a portion of chips for £1.10 between 4 of us on Friday night)

    Iíve also bought some Christmas presents and refrained from some others too. So I guess I may have had some more time that I thought I had.

    Man came to quote for new door today so just need to plan that in but weíll fit in around him as his work is both excellent and reasonable.

    Spent quality time with good friends this weekend which is always nice, low cost too as one was at their house and one at ours.

    Last debt I came back here to pay off is now down sub £1000, Just 3 payments to go. On 0% so thatís why Iím not paying off sooner. We still have car to pay, which is then our only debt ( apart from mortgage). Weíre paying greater than minimums on that anyway and they will be increased even more in 3 months, so Iím pleased with all that.

    A week until payday but Iím happy with where we are, pots all in the right place and just for points cc paid up to date. Considering it was half term it could have been worse if we hadnít been on it.

    Need to find some time to exercise which is still lacking but have developed a shocking cold today (which is probably a direct result of how busy life has been) so nothing going to happen there this week until Iíve fully shaken that off. Just off for some ice cream, purely for medicinal purposes youíll understand
    • jmscott
    • By jmscott 6th Nov 17, 10:15 AM
    • 2 Posts
    • 5 Thanks
    jmscott
    Hi,

    Thanks for the response. I hadn't thought of using a cashback site (although from what I've read I need to remind myself more often). I'm getting better at hunting for vouchers too, whereas I used to give up after a few clicks.

    I'll order some samples and see how I get on.

    Thanks again.
    • PurpleFairy26
    • By PurpleFairy26 12th Nov 17, 8:44 PM
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    PurpleFairy26
    Hope you get your blinds sorted jmscott we have outs down in the bedroom due to it being plastered and I really miss them. Canít Wait to get them back up, hopefully next weekend latest given we have a date for middle of following week for new doors and skirting. I need to buy handle and himdges but I have survey vouchers to use for these that Iíve been saving especially

    Iíve found an electrician thatís been recommended so need to call him tomorrow too and see if he can come soon, hopefully only a days work and money in savings for it.

    Was payday Friday so money moved into various pots, lovely to see some of the savings ones grow. Quick round up:

    EF now at 81% of target 2. When we get to 100% will obviously move target again, I know I could move target now and reduce percentage complete, but I like to get to 100 first, some sense of achievement
    Bills account has over £800 in for future annual bills considering moving £100 out as we havenít used anywhere near the amount for car repairs this year (as we bought a new to us one) donít want to tempt fate though. May just wait another month and see.
    All other pots in positive apart from holiday which is £61 Ďoverdrawní however paid holiday balance and used saving mugs rather than pay a premium on 0% cc so Iím just paying myself back. Will be back in positive next month

    Builder has confirmed quote will be here this week am both excited and nervous

    DH and I have decided he will give up one of his pt jobs and move all his hours to the other pt job, making it nearly ft. Hopefully this will work better for us as a family in terms of time together and pay should be about the same, if not a little more. Will also mean DH is not trying to sleep in the day when there is building work happening, which is just never going to work. I think he will had his notice in this week.

    Fantastic weekend with extended family making memories for us all which has been lovely and weíve vowed to do it more often.

    Updated calendar with some events, safe to say between now and mid January itís bonkers
    • PurpleFairy26
    • By PurpleFairy26 14th Nov 17, 7:42 PM
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    PurpleFairy26
    Finally our online bank have moved (ironically given they are only online) to putting our mortgage balance online with our banking Iím so happy itís silly. It now means I can overlay freely without logging on to pc and do on my phone. Plus I see the balance daily when I log on.

    Small things
    • PurpleFairy26
    • By PurpleFairy26 20th Nov 17, 8:57 PM
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    PurpleFairy26
    So, after 18months of starting this diary a quote arrived today that were happy with we just need to work out best plans to get it started as there is a chance we could do it in two phases. Personally if we can Iíd rather just jump in, weíve waited this long but we need to think of the bigger picture.

    In traditional PF style, Iíve started a spreadsheet, now I have some numbers rather than guesstimates

    Need to get window man out to quote for some more windows and two doors so we know all in price.

    I finally feel like weíre making real progress. That combined with us almost finishing our room this week is good all round.
    • PurpleFairy26
    • By PurpleFairy26 3rd Dec 17, 10:51 PM
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    PurpleFairy26
    So we have a bedroom door that can close for the first time in 3 years - it really is the small things!

    Electrician has let us down though, so we still don't have carpet as we want him to replace a light downstairs that he will need to access under the floorboards. Thinking about it heating man hasn't come round like he said he would either - oh well, that'll save some pennies with one less radiator

    RL life has been brutal, can't wait until next week, hoping it will be a noticeable change when 2 projects are away. Good news is that I have a bonus from work Timing couldn't be better, just working out what to 'spend' it on, i.e. which savings pot for it to go to. Think a small amount will go in our holiday pot and the rest will go in the extension fund.

    We're nearly done for Christmas, some food bought when on offer too and stashed. Nothing wrapped or any cards writing but have plans for tomorrow night on that front. Need a couple of gift cards, but may ask mum to get one for me as I don't really want to pay delivery and don't have a shop near me.

    Payday this Friday and hoping to have a bit left over from last months pay to go to loan overpayment, which will be an added bonus.

    Need to finish and submit my tax return too, have all the figures, just not pressed the button. Will do DH first, his is much easier!
    • PurpleFairy26
    • By PurpleFairy26 8th Dec 17, 4:00 AM
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    PurpleFairy26
    Morning diaryland.... itís payday here and as I couldnít sleep I got up and did the money shuffle. Spreadsheets all updated bonus in and pots to top up have been decided. All is good. We even had money left from last month, so I paid an overpayment to the loan with it.

    We have a couple of pressies left to buy, but that will come from present budget. Other than that weíre about done, some food stashed in the freezer and stores and just a few fresh items to buy. Nothing too excessive in the big scheme of things.

    Happy with all our pot levels, still have decided whether to Ďwithdrawí from the bills fund as we havenít used one of the elements for nearly a year (touches wood) will wait until new year and see what winter brings.

    RL busy as with most at this time of year, no exercise to be seen other than long walks. Must change that in new year. Need to think about 2018 goals and round up 2017.
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