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  • FIRST POST
    • Suffolk lass
    • By Suffolk lass 28th Jan 17, 12:18 PM
    • 1,556Posts
    • 17,918Thanks
    Suffolk lass
    Get a grip woman!
    • #1
    • 28th Jan 17, 12:18 PM
    Get a grip woman! 28th Jan 17 at 12:18 PM
    Having been reading a number of people's debt-free wannabe diaries for some time now, I have finally decided I will start my own.

    We are less than three years from wanting to stop work, and less than ten years from state retirement age. I manage our household finances and DH lets me get on with it. His attitude is more "live for today" so we are a good balance, I think. We have two holidays each year and sometimes more - and he has some boys toys - 2 Harley Davidson motorcycles in the garage, that seem to always need money spending on them. That said, there is more to be said in favour of a happy and contented DH than against them so I don't resent them in any way.

    So to debts - It seems a good time because I have recently finished the finance on my car, and as of yesterday, paid off the finance for DS's car (I borrowed from him 18 months ago and paid back by buying his car on finance and paying his insurance). I was paying 4.7% on that debt so it was my highest priority. I paid it off 10 months early using most of my HSBC Regular Saver that matured this week.

    The debts I have currently are:

    £110,621 - Mortgage - interest rate of 0.74% (0.5 above the BoEBR)
    £3,476 - DH's car - 0% credit card until Sept 17 - a £4000 cash advance with a £76 fee
    £8,755.54 - Barclays Finance for double glazing 0% over 2 years 2/24 paid

    Total £122,852.54

    It isn't that I can't afford to keep up payments, it is more that I want us to start our non-work phase without them hanging over us, if you know what I mean.

    I think that will do for a scene setter.

    SL
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
Page 10
    • enthusiasticsaver
    • By enthusiasticsaver 3rd Sep 17, 11:18 AM
    • 4,674 Posts
    • 8,840 Thanks
    enthusiasticsaver
    That's your *un* complacency filter


    I remember Goldie Girl saying that she'd average out her grocery spends over the whole year precisely because of buying storecupboard stuff when it best suits.
    Originally posted by Karmacat
    I average my freezer and store cupboard spend over the month (so much per week). I like my freezer to run full as I think it is more economical and does not ice up as quickly. What I fill it with depends on how much the weekly spend on food essentials is. If I have an expensive weekly shop I buy extra loaves of bread, maybe a tub of cheap ice cream or large packs of frozen veg or chips. In a lean weekly shop I bulk buy meat or fish.

    So one week I will concentrate on store cupboard stuff and the next it will be household and cleaning stuff so maybe dishwasher or washing powder or bulk buy kitchen paper/Toilet rolls. That has worked for me for years. If I could only get the OH to do the same
    4 weeks to go until early retirement in December . Debt free and mortgage free.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Suffolk lass
    • By Suffolk lass 16th Sep 17, 10:49 AM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    Nightmare month from hell - part 1
    MIA for nearly a fortnight. Sorry. I knew this month and next would be really hard.

    So far this month we have spent (over our normal)
    • Heating oil (500l) £198.19
    • Chimney sweep £45
    • Boiler Service £123.24 - the expansion vessel needs replacing - they will order it and call to arrange
    • Dishwasher repair £59 callout - he diagnosed it is the heating pump but that the machine is under warranty so we have to go back to the shop today. £59 spent because no checks made before calling him out. Not happy.
    • VED for the commuting car £115
    • Insurance - on the credit card for next month
    • Same car repairs and service on the credit card for next month
    • Holiday credit card (part 1) £878.32
    • Insurance premium for the cancelled policy was taken by DD and still not refunded £352.95
    • Plusnet new contract for 24 months with 12 months line rental up front and persuaded them to throw in TV, evening and weekend calls and fixed price BB for the whole 24 months £197.88

    No wonder we are overdrawn on the account awaiting the insurance premium refund
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Suffolk lass
    • By Suffolk lass 16th Sep 17, 10:51 AM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    Credit card statements for next month are starting to look seriously scary. I refuse to stagger the payments and pay interest so we will live on rice and beans if necessary.

    And the electricity bill DD has just been increased from £120 to £136 because they go by their estimates instead of my readings....
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Karmacat
    • By Karmacat 16th Sep 17, 11:05 AM
    • 28,064 Posts
    • 154,284 Thanks
    Karmacat
    It's a lot going out in one month but its not exactly Mumm champagne and Beluga caviar - there's some good bargaining skills in there too, with PlusNet

    Hope you can have a breather this weekend in such a busy month.
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 17th Sep 17, 12:56 PM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    Thanks KC, I was feeling happier about Plusnet - Husband did it last year and he does not push for a deal, so we were looking at £48 a month for the next six months, until the £85 penalty lapsed for the last BB deal. Watch out for out of step elements. I was moaning about that to the operator when he said, "I can do that" and on went the discussion - picking out unlimited BB, Line Rental, call packages and TV/recording box

    I've just bottled a glut of pears from my friend's tree that she gave me on Friday. Waiting to go and volunteer in the Village Bar in a few minutes so pottering around on here.

    Husband and cousin are clearing the split tree (last Sunday's gale). It was a beautiful variegated maple but it has had it now so just "harvesting" wood to burn next year when it has seasoned. I am sure there will be a dump-run after lunch too..
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Suffolk lass
    • By Suffolk lass 28th Sep 17, 9:29 AM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    End of September reconciliation
    DEBTS[/B]

    £110,621 £103,327.83 (£7,293.17 paid so far) - Mortgage
    £3,476 £0 (£3,476)- DH's car - paid off on 21st Aug 17
    £8,755.54 £5,173.74 (£3,581.80) - Barclays 0% Finance for double glazing

    Total £122,852.54 £108,501.57 - that is £14,350.97 or 11.68% paid off so far.


    SAVINGS
    £13,101.18 - this exceeds our emergency fund aim - I am going to let this increase a bit more and then I might pay a lump off the mortgage, to see it under £100k by Christmas or I might move some into my ISA
    £12,344.82 (was £12,549.27 last month) S&S ISA with Fidelity International (original £10,000 5 years ago, no further capital added)
    £6,099.08 DH's S&S ISA with Charles Stanley Direct]
    £3,141.28 2 year Bond with Skipton BS @ 4% Finishes in early 2018 - I might use this lump to reduce the mortgage instead
    £10,947.52 7 year bond with Skipton BS - matures Oct 20
    £38,630.43 £45,633.88 Total actual cashable savings

    Shortfall -£62,867.69 (all debts)

    We have decided to take our house off the market, let two friends of Son's move in to that house for six months and pay some money for lodging and we will do up the garden and freshen things up ready to put that house on the market next spring. If the derelict is available when that has sold we could make a cash offer and then doing the work becomes the part dependent on our house sale, not the purchase. Son may be better placed (financially) to live with friends or he might have to move home.

    If the derelict has gone, it was not meant for us and we will look to develop the building in the garden into an annexe so Son can live there but his money won't be used, it will be ours so his will be invested.

    On the 1st October I can turn the electric aga back on and start autumn/winter cooking. It makes the cottage so cosy. The date is self imposed - we turn it off after Easter and wait until October to turn it on. It means there is still no need to turn any heating on beyond the tiny heater in the bathroom that makes the mornings bearable!
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Karmacat
    • By Karmacat 30th Sep 17, 9:32 AM
    • 28,064 Posts
    • 154,284 Thanks
    Karmacat
    You're tracking your finances so well, I really admire that. Now that other people's probate money is out of my account, and not much more of the actual cash is to come, I'm really going to try hard at that.

    Great plans on marketing and getting through the winter by renting out that house too, that'll give you some breathing space.
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 3rd Oct 17, 6:03 AM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    Right. Targets for October -

    - Live within our income - try to avoid any top-ups to bills account and running cost accounts in October
    - Investigate how much it will cost to repair the wall scrape to the bodywork of my car that I acquired at the weekend - don't ask!
    - Overpay the mortgage by at least a bit this month
    - Do some fun things
    - Continue with the deep clean at our other house
    - Kon-Mari a drawer in my chest in my bedroom
    - autumn pruning and tidy in garden
    - lose at least 2 pounds to tip me under the next stone number on the scales
    - process the apples and tomatoes before they rot

    That will do! Here we go
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Suffolk lass
    • By Suffolk lass 8th Oct 17, 10:40 AM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    Targets for October -

    - Live within our income - try to avoid any top-ups to bills account and running cost accounts in OctoberNot looking too good so far. After all the predicted payments I am £21.78 over-committed in the running costs account. I do have £38.35 uncommitted in the bills account that I was hoping to pay off the mortgage but I think I will need to transfer it to avoid bank charges for going overdrawn. I do have a week to go until the big CC bill is due to go (over £800 this month)
    - Investigate how much it will cost to repair the wall scrape to the bodywork of my car that I acquired at the weekend - don't ask! Not done
    - Overpay the mortgage by at least a bit this month not done
    - Do some fun things Went for a lovely walk on Friday morning. Beautiful sunshine and marvellous views. Also went swimming Saturday morning but was still rather tired so it felt slightly chore-like and I didn't make the half mile I was hoping to repeat
    - Continue with the deep clean at our other house not done yet
    - Kon-Mari a drawer in my chest in my bedroom not done yet
    - autumn pruning and tidy in gardengoing outside this morning to get going on this again
    - lose at least 2 pounds to tip me under the next stone number on the scales scales showed me 0.8 pounds from this then I pigged out on cheese and crackers yesterday as felt quite odd and as though I needed carbs. Fasting until this evening to bring it back
    - process the apples and tomatoes before they rot A must do for this afternoon - I can see a couple of tomatoes going over. I think I will whizz some raw and freeze in plastic bags and I will roast the really ripe ones and make roasted tomato sauce for jars - the apples will wait but I do plan an apple and (home-grown) raspberry dessert for this evening to go with our slow-roasted chicken

    In other news I think I am hoarding again. I seem to have a very full larder at the moment - I think it is a winter carb thing but not entirely sure. Bought 6 bags of organic jumbo oats last week because they were on offer and I had more than my trolley-full in Waitflower vouchers - so had to buy some extra things. At least they will keep and they were not cake! - every storage jar has a bag of oats in it!
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • missymoo81
    • By missymoo81 8th Oct 17, 1:12 PM
    • 5,737 Posts
    • 19,785 Thanks
    missymoo81
    Hey lovely, just caught up! Gosh you have a lot going on and a lot to juggle, my had goes off to you! Your plans sound good re houses, whatever works. Chin up my dear, you're doing amazingly.
    • JoJoC
    • By JoJoC 12th Oct 17, 12:51 PM
    • 1,242 Posts
    • 4,017 Thanks
    JoJoC
    Just thought I'd stop by and say hello - I admire your to-do lists, it's fantastic to see your goals especially using up the apples and tomatoes that are about to go off! Being inventive with leftover food is not my forte.

    Hope your house plans all work out and enjoy that heating being on!
    CC1: £3804.52 / £3704.32 £100.20 paid | CC2:£5027.53 / £4927.48 £100.05 paid | Loan: £15,000 / £13,932.24 (£1067.76 paid)

    July debt total: £23,832.05 | New debt total: £22,564.04 | Total debt paid: £1,268.01 (5.3%)
    *My debt busting and savings diary*
    • Suffolk lass
    • By Suffolk lass 12th Oct 17, 3:57 PM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    Update my Targets for October -

    - Live within our income - try to avoid any top-ups to bills account and running cost accounts in October Fail I accidentally used the bank card to buy my season ticket, and a couple of cheques have cleared that I thought I had already accounted for. I have just moved £250 from the emergency savings back to the current account otherwise that remaining credit card bill would have hit us with overdraft charges again this month.
    - Investigate how much it will cost to repair the wall scrape to the bodywork of my car that I acquired at the weekend - don't ask! Not done - I've decided to wait until the last week of the month to do this so there is no chance of spending any other money this month
    - Overpay the mortgage by at least a bit this month not done - now I've raided the savings pot I can't get it under £100k not one of my better reviews this!
    - Do some fun things I've just agreed to meet DS in town on Saturday (his first of five days off after a 7-day straight of working) - we are going to their version of Oktoberfest (it's been a while but we used to have a flat in Munich and go every year to the real one)
    - Continue with the deep clean at our other house not done yet and not on the plan for this weekend yet
    - Kon-Mari a drawer in my chest in my bedroom not done yet
    - autumn pruning and tidy in garden We have six one-ton builders bags that are all full of tree pruning (and the one that split and we had to fell) plus three garden tidy bags (about half ton dimensions, in builders bag size) full of the vegetation I cut down in the veg plot last week plus the clearings from the front garden. Never-ending job this one!
    - lose at least 2 pounds to tip me under the next stone number on the scales I have not checked since...(it seemed best not to iykwim)
    - process the apples and tomatoes before they rot A must do for this afternoon - I can see a couple of tomatoes going over. I think I will whizz some raw and freeze in plastic bags and I will roast the really ripe ones and make roasted tomato sauce for jars - the apples will wait but I do plan an apple and (home-grown) raspberry dessert for this evening to go with our slow-roasted chicken Oh dear... no room in the freezer. Plan B in progress - eat some freezer food to make room! - apples doing Ok so far! Might have to resort to apple butter... had to throw three tomatoes away (not bad out of six punnets. Maybe get the old green tomato chutney recipe out...

    I am starting to think about Christmas things. I have also volunteered to host some friends for New Year, which will be fun, so I need to prepare for this. I also need to find out how many I have for Christmas Day. All that chatter about Christmas on TOPM's diary has got me thinking. I am definitely doing recipes and ingredients in jam-jars for my fundraising stall at the beginning of December. And little books of domestic promises to give away.

    The Aga is on but no heating yet (might wait for Christmas - then the oil will last until summer; we have loads of logs) - and... tada the dishwasher repair man is coming tomorrow to fit the replacement part (it has been AGES!!)
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Suffolk lass
    • By Suffolk lass 12th Oct 17, 3:58 PM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    Thanks for stopping by missymoo81 and JoJoC - I wish my actions could deliver on my targets
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Karmacat
    • By Karmacat 13th Oct 17, 10:08 AM
    • 28,064 Posts
    • 154,284 Thanks
    Karmacat
    You're managing all these extra food things without a dishwasher? I couldn't, these days arthritic fingers is my excuse, and I'm sticking to it. I'm also sticking to my dishwasher

    Great save on realising how you'd paid for the season ticket, by the way - we all do that sort of stuff, and catching it is the thing that matters.
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 19th Oct 17, 7:30 PM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    Well it is officially fresh air week this week. DH's payday is next Thursday. As there is so little in the bank I will resist the urge to use the CC (again) and we will mostly be having a freezer week. The exceptions are - milk, yogurt, blueberries, satsumas/clementines, lettuce, leeks, coleslaw, juice and maybe butter. I don't want to sound too virtuous. In the last two days I have paid for refuelling my car, dental work (private, to try and save my tooth) and the deposit on our Son's skiing holiday.

    In other news I effected a massive cheat, I moved just enough from the emergency savings pot to the mortgage to pay it down to £100,000 exactly. Then 97p interest was deducted so we are officially in three figures now. Just in time to report for MFiT Q7. Any coincidence is entirely deliberate.

    Son's friend moved in last week for six months so there will be no need for me to pay for the house subsidy in November, but I have already paid for October.

    Two humungous credit card bills plus the third with regular travel expenses on totalled £2,500 in October. No wonder we are struggling. And I had to sub our running costs by £250 from EF this month. What a nightmare!

    At least the dishwasher is working and it was fixed under warranty; albeit by a man with the personality of a cabbage. None is an understatement. Apart from turning my dishwasher on its side without taking the panel off, and flooding the floor (and leaving my soaking wet towels all over it), I had to lend him a broom so he could sweep up after himself - ooh no, he left that for me! poke it back far enough without having to do it properly. A bodge man if ever I saw one.
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Karmacat
    • By Karmacat 19th Oct 17, 9:42 PM
    • 28,064 Posts
    • 154,284 Thanks
    Karmacat
    Oh, the dishwasher work doesn't sound a fun experience! Hopefully the actual work is good enough? Yuck.

    OTOH, the mortgage "cheat" is brilliant as is son's friend moving in.

    Fresh air. With fresh blueberries lovely.
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 20th Oct 17, 6:32 AM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    I just love the positive spin you put on things KC!

    I think I was just having a bit of a wobbly moment when I posted. I had spent the afternoon with a dental specialist who recovered my tooth-position. I had an abscess when I got back from Mum's last time and my dentist's X-Ray identified a root tip problem. I was referred to the nice man who specialises in this work. £75 for the initial consultation and £550 yesterday but hopefully up to 30 years life-support for my poor tooth. Just need to make the appointment with my dentist for a combined check-up, review of the temporary repair, and a separate repair to a tooth that has just lost a lump. Happy days.

    I've had a look at the bank accounts this morning and we have just over £200 in the bills account, with the electricity due Monday £138 and no top up until 31st October and £107 in the running costs to last until next Thursday - that is weekly food shop, swimming and yoga and literally nothing else. Oh my!

    The fuel, Son's holiday deposit (that he will refund to me) and my dental bill will all unfortunately hit the December CC statement.

    I know when I compare our situation with that of others on this forum it feels quite embarrassingly affluent but I think we are all struggling in our own way and I literally had to turn off Question Time last night when the Government spokesman (Chris Grayling MP) was trotting out scripted drivel with no relevance to people or how they are actually struggling with regard to Universal Credit.
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Karmacat
    • By Karmacat 20th Oct 17, 9:57 AM
    • 28,064 Posts
    • 154,284 Thanks
    Karmacat
    I just love the positive spin you put on things KC!
    Originally posted by Suffolk lass
    I try Actually, I try very hard if I collapse into how I feel sometimes, it feels like I won't come out the other side

    I think I was just having a bit of a wobbly moment when I posted. I had spent the afternoon with a dental specialist who recovered my tooth-position. I had an abscess when I got back from Mum's last time and my dentist's X-Ray identified a root tip problem. I was referred to the nice man who specialises in this work. £75 for the initial consultation and £550 yesterday but hopefully up to 30 years life-support for my poor tooth. Just need to make the appointment with my dentist for a combined check-up, review of the temporary repair, and a separate repair to a tooth that has just lost a lump. Happy days.
    Thats a genuine wobble causing moment I'm in the middle of a crown repair right now, and when I've spent half an hour in the dentist's chair, no matter how good the dentist is, then truthfully, I sit down for the rest of the day and do nothing except watch rubbish tv. Because I know I feel wobbly.

    I know when I compare our situation with that of others on this forum it feels quite embarrassingly affluent but I think we are all struggling in our own way and I literally had to turn off Question Time last night when the Government spokesman (Chris Grayling MP) was trotting out scripted drivel with no relevance to people or how they are actually struggling with regard to Universal Credit.
    There are plenty of comparatively affluent people on the boards, there really are - including people with land and a couple of horses. Be kind to yourself

    I won't listen to anyone in government. And I won't listen to Donald Trump either, the mute button is getting a lot of use now I have my tv connected again
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 21st Oct 17, 12:13 PM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass


    I won't listen to anyone in government. And I won't listen to Donald Trump either, the mute button is getting a lot of use now I have my tv connected again
    Originally posted by Karmacat
    Not just me then!
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Suffolk lass
    • By Suffolk lass 22nd Oct 17, 8:47 AM
    • 1,556 Posts
    • 17,918 Thanks
    Suffolk lass
    Update my Targets for October -

    - Live within our income - try to avoid any top-ups to bills account and running cost accounts in October Fail I accidentally used the bank card to buy my season ticket, and a couple of cheques have cleared that I thought I had already accounted for. I moved £250 from the emergency savings back to the current account otherwise that remaining credit card bill would have hit us with overdraft charges again this month. Other than that, no further mishaps
    - Investigate how much it will cost to repair the wall scrape to the bodywork of my car that I acquired Not done - This is planned for this week as I hope to take Wednesday and Thursday off
    - Overpay the mortgage by at least a bit this month done - I've now raided the savings pot just to nudge under £100k
    - Do some fun things This month I have been to the classic motorbike show, been for a lovely walk with Son and friend in the local river valley - even borrowed two dogs, and went to friends on Friday for a girls night in and got completely and unexpectedly sozzled due to a bit of accidental drink-confusion
    - Continue with the deep clean at our other house not done yet and not on the plan - a change of plan and Son's friend has moved in. Good job we sorted some of it.
    - Kon-Mari a drawer in my chest in my bedroom not done yet - this is for a wet day and I have not had any when I have been home yet
    - autumn pruning and tidy in garden We have six one-ton builders bags that are all full of tree pruning (and the one that split and we had to fell) plus three garden tidy bags (about half ton dimensions, in builders bag size) full of the vegetation I cut down in the veg plot last week plus the clearings from the front garden. Never-ending job this one! - dump run planned for later today so we can free up the three smaller bags. Might buy a couple more as these are a good size for me. The big bags are going to the Village bonfire so I won't get them back until next Saturday
    - lose at least 2 pounds to tip me under the next stone number on the scales It feels like a fail so far but also not fatter. I will fast a bit more and cut out the sugar that has crept in
    - process the apples and tomatoes before they rot Finally done - made enough room for the apples in the freezer by getting out some meat

    The Aga is on but no heating yet (intention is to wait for Christmas - then the oil will last until summer; we have loads of logs) - and... the dishwasher is working!

    This last week is a freezer week, so I stuck to my list and spent just £27.11 on groceries for the week and £8.35 for my stores - with that there will be a tiny surplus in the running costs account and the bills account but oh boy, are our emergency savings looking depleted. It was all about damage limitation and at least it was there to call upon.


    For November
    • I am starting to think about Christmas things. I have also volunteered to host some friends for New Year, which will be fun, so I need to prepare for this.
    • I also need to find out how many I have for Christmas Day.
    • All that chatter about Christmas on TOPM's diary has got me thinking. I am definitely doing recipes and ingredients in jam-jars for my fundraising stall at the beginning of December. And little books of domestic promises to give away.
    • I need to do leaflets to gather items and publicise my Village Ebay table too (we will keep 40% with a £5 minimum)
    • I know I need to buy ingredients for 2 batches of christmas cake as my Mum, her friend and a third for her Minister are on my list, plus one for us. I shall make smaller cakes.
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
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