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  • FIRST POST
    • coastalchick
    • By coastalchick 25th Feb 17, 8:39 AM
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    coastalchick
    2017 - moving life forwards
    • #1
    • 25th Feb 17, 8:39 AM
    2017 - moving life forwards 25th Feb 17 at 8:39 AM
    Hi

    New diary for a (hopefully!) new period in life. About me: 38, co-habiting (partner shall henceforth be referred to as "BD"), 1 cat.

    Currently living with BD in my house (or flouse as my friend calls it as it is not really a flat but not really a house!). It's under offer and we are hoping to sell this and buy our new house mid aprill. BD's flat has been on market for a while but little interest due to colossal service charges so that is rented out until Feb 2018. But our house purchase has hit a few problems, mainly due to boundary issues (which are solvable but which may be impacting on timetable!) and we are not certain it is all going to go through in time.

    Once in the new house, we are going to actively start trying for a family. If it happens before then, it happens but we are not actively trying right now due to house stress.

    Why am I here? Well, I used to have NO clue about money (I really think they should teach you what the heck an interest rate is at school and what credit cards and store cards actually mean and charge!) and was in a LOT of debt through university and my early to mid-20's. I had no clue what an interest rate was and instead just saw credit and store cards as "free" money. Often missed payments, not cos I couldn't pay (though this did become more of the case towards the end of the bad spell!) but just cos I wasn't organised and didn't realise what impact they had! Makes me sick to the stomach when I think of all the money I wasted over the years.

    I bought a maisonette in tooting in Nov 2003 (got a 100% mortgage - you could in those days!), then in April 2004, lost my job. Luckily I had income protection but of course, they don't tell you that doesn't kick in for a certain period. Also, I seem to recall that back then I also couldn't claim benefits for a period. Sadly, a few weeks before I lost my job I signed on the dotted line for a new kitchen (got royal ripped off there too) which cost me 10k (it probably should have cost 2-3 but I was so naive in those days) so had to max out the credit cards to pay for it.

    My parents offered to help but I felt I had got myself into that mess (basically it was partially my fault I got the boot as I wasn't really taking my job seriously) so declined as wanted to get self out of it. So moved, got a new job, towed the line, consolidated debt. Rented out the tooting flat and eventually bought the place I live in now. BD moved in mid June 2015 so mortgage and bills split.

    Fast forward to now and I am pretty comfortable. Luckily I had a job where I earned big bucks which enabled me to pay off all my debt, and save loads and buy the place we live in now. However, that came at a price and I was so overworked and stressed (and underpaid actually compared to others in the market and for the hours I worked) that my hair started falling out and I suffered from anxiety, panic attacks, IBS, acid reflux and regularly wanted to have a non-fatal accident so I could be admitted to hospital and not have to go to work). Eventually I couldn't take any more so quit at start of last year, and took some time off to recharge the batteries.

    Mid last year I started a new job in a much less stressful role and for only 4 days a week. Took a pay cut because of the 4 day week but worked out if I scaled the package up to 5 days, I was actually earning the same as I had been in the stressful job (which shows that decision to leave was def right!)

    Now we are about to embark (hopefully) on the next chapter in life, but feel I need to be here to try to keep myself on straight and narrow spend-wise, particularly as I now physically have less cash coming in each month and our mortgage is going to double with new house (and bills will be more too). I also need to save for maternity leave.

    I constantly worry about money (which BD doesn't understand) and the future and whether we will have enough in retirement. It's silly because on paper we are comfortable, but I think it's because I've been in serious debt before that I am constantly doing sums in my head. The tooting flat was bought for 160k (plus 48k for extension of leasehold recently) and is now worth around 450k. It has around 100k left on the mortgage and is rented out. I will own it outright by age 50, after which the rental will provide pure income. Have only just started a pension as my old job didn't have one (surprise surprise) which 630 per month goes into. BD's flat has around 75k of equity in it and he has a work pension too. We have a lot in savings at the moment but that will be left at minimal when we buy the new house as we are putting down 20% deposit plus fees, stamp duty etc. Other than our 3 mortgages on the 3 properties, we have no debt.

    So, probably most people will think I have nothing to moan about but I still worry because I know how easy it is to get into debt as I have been there previously. I also worry because children are expensive and we might have to pay for private school if the school they are allocated isn't very good. BD is a semi professional photographer and used to do weddings which he can charge up to 3k for, but he quit doing them as he found them quite stressful, but I guess could do a couple if we needed school fees (but wouldn't want him to if he found it stressful).

    So, apologies for the brain dump but I'm here to try to rein in the spending!

    Today is food shop and I have a list - we have budgeted £150 (which I know is a lot) as BD wants me to bake a cake today so quite a lot needed for that, plus this week we need coffee, loo roll, dishwasher tablets etc etc. Once we've done that, think we will have lunch at home (it's rubbish weather out there today) from what we've bought, then maybe reading this afternoon and bake the cake. BD is out at his friends tonight so I will be cooking a nice chicken dish from stores and watching a pre-recorded movie with the cat.

    Tomorrow BD will probably work in the morning, then we are at his mum's for lunch (so free lunch) and will cook a roast from the weekly shop tomorrow evening
    Last edited by coastalchick; 25-02-2017 at 9:37 AM.
Page 9
    • coastalchick
    • By coastalchick 11th Sep 17, 10:44 AM
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    coastalchick
    Annoyingly our friends cancelled. They were moving into temporary accommodation and said they were shattered. We were really quite annoyed as we really needed it. I do get annoyed when people say they are "here for you" and then just aren't. Even worse was that this was B's best mate and his cousin (who are married). Anyway, B and I went out just the 2 of us to our favourite pasta place. Was £36 each which was really good value - we had a beer and a prosecco, 2 bottles of red, shared a starter and had a main each. It's our favourite place to go.

    B got a bit of food over the weekend but we pretty much cooked from stores which was good. I need to go to supermarket today to get food for tonight and tomorrow but hoping that will be minimal. Weds am at a friends for thai takeout so that should be around £10. Thurs I have a drinks and canap!s thing with B's work and my work (which I organised so have to go really) - the canap!s in the restaurant are amazing so that will be a free dinner.
    • coastalchick
    • By coastalchick 11th Sep 17, 5:33 PM
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    coastalchick
    another £44.82/2 in supermarket - arghhhh! and barely bought anything. Got 4 fillets of salmon and that was £15. Ridiculous. Esp as B wants to do 3 fillets tonight (so 1.5 each) as he feels 1 isn't enough for tea!
    • coastalchick
    • By coastalchick 14th Sep 17, 7:41 PM
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    coastalchick
    Will post spends tomorrow. Crappy day - went back to work even though signed off until monday. Was fine until just after 5 when someone handed me a card to sign with "It's a girl!" on the front for someone who's partner has just had a baby. You honestly couldn't write it!!!!
    • coastalchick
    • By coastalchick 15th Sep 17, 9:32 AM
    • 220 Posts
    • 346 Thanks
    coastalchick
    So, spends over last few days have been quite a lot. In fact, just under £100. Mainly on food but also included petrol, cat food (he is on special diet for fatty's so it costs a lot) and also some bits from b**ts - gloves for fake tan (which were 3 for 2 so ok), toothpaste (on offer), deodorant (on offer) and some wellman conception vitamins for B (which he hasn't yet taken!!!).

    Have £684.83 in spends budget which is to last until Tuesday so done ok this month. Though having full head highlights, cut and blow this pm so that will probs be around £150/160 as also need shampoo.

    Tonight B and I are out, just the 2 of us, to properly celebrate our engagement. We have a £60 voucher however which B's mum bought us for christmas so it shouldn't be too expensive.

    Then I need some clothes for our holiday which we go on next week. I was 2st overweight anyway and have now put on an extra 6 lbs with all the wallowing over the last couple of weeks after the MC. I had bought maternity clothes for going on hols, only because I thought if I hadn't ordered them when I did (which was obv when I was pregnant!) then there would be none left due to the change in seasons now. I suppose I could still wear them, but do I want to?? Guess it depends if I find anything left in the shops here tomorrow - may have no choice!!!

    So then we need food for next few days but hoping I won't spend all of what's left and will be able to put some into savings. Slowly building the savings pot back up after having bought the house in April. And now (sadly) won't have to worry about saving for maternity leave. If we get pregnant again and can hold onto it this time, I will qualify for paid leave, so will only be 2 months of unpaid if I want to take extra time off (which I will) and we can cope for a couple of months on statutory pay and B's wages.

    Got a bit of a shock earlier as our electricity bill came saying we owed £238!!!!. We pay £96pcm on DD. Anyway, as it was only an estimated statement I checked the meter and that brought it down to £35 we owe. But we are on a standard tariff so have asked them to send me the form to change tariff. So hopefully that should be ok. Otherwise we will need to increase our DD by around £12 a month I think.

    My birthday next week. 39. Don't feel much like celebrating that, though as my mother says, "the alternative's not so good". B has asked what I want for my birthday. Can't really think of anything though have 3 of my grandma's rings which my mum gave me and said do whatever you want with. They are pretty ugly rings which I wouldn't wear but there are lots of lovely diamonds in them. So thinking I"d like B to contribute towards having a necklace made from one of the diamonds in one of the rings (there's a massive diamond in one which would make a lovely drop necklace I think). My parents also gave me £250 for birthday so we can put that towards it (no idea how much these things cost) so think we will go and see jewellers tomorrow to enquire. Already wanting to get one of the rings made into my wedding ring so it will be nice to use one of the others for a necklace
    • Kittychick
    • By Kittychick 15th Sep 17, 9:39 AM
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    Kittychick
    That sounds like a lovely idea.. I'll be interested to know what sort of prices you get
    • coastalchick
    • By coastalchick 15th Sep 17, 9:58 AM
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    coastalchick
    Re weight issue have also decided as follows: If I get pregnant (as we will start trying again presuming we get the all clear at our follow up scan tues) then I will try to lose weight by walking lots (as they say you shouldn't start exercising other than walking or swimming (which I hate) if you haven't exercised for a long time before). If I don't (by the time we are back from hols) then I will start an exercise/running (mainly running) plan again to start trying to shift these pounds, maybe also with WW.
    • sauceoclock
    • By sauceoclock 18th Sep 17, 1:44 PM
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    sauceoclock
    Hey love! Sorry I haven’t commented in a little while, been away on me holibobs! Sorry to hear about what happened at work, people can be so insensitive sometimes but probably thought they didn’t want to leave you out of signing your colleague’s card.. Really rough for you, hope you’ve had a better day today!

    Hope you’re looking forward to your holiday, it’ll be a nice break and hopefully you and B can relax after the stressful time you’ve had. Sounds like a good idea about the rings, I also have lots of jewellery from family that I’d never wear and BF and I said if we ever get married we’ll get all the diamonds taken from them and have them set in to a wedding band, much rather have them in something that can be worn that sitting in a box unloved when they’re so sentimental!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • coastalchick
    • By coastalchick 19th Sep 17, 5:07 PM
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    coastalchick
    Hey Sauce - hope you had a good holiday! To be fair to the woman who gave me the card, she didn't know and was mortified when I told her! But more pics of the baby were circulated yesterday which is hard. I think your bf's idea re your family jewellery is a lovely idea too. Love also that he's used the M word too!

    Today has not been great. Went to see the consultant and the good news is I got the all clear - everything is gone when normally they find tissue left. So that's good. However, he was really patronising and upset me and I fled the room in tears at one point. Not really wearing my big girl pants today. Must remember for next time.

    B and I went mad with the spending over the weekend and were out literally all weekend eating and drinking. Also got some clothes, a mani/pedi, hair done, things needed for hols like sun cream etc and food so now have £196.23 left until tomorrow. Which is good, but it should be more. Anyways, will hoof that over into savings tonight then we are paid tomorrow so get a whole new month's budget.
    • sauceoclock
    • By sauceoclock 5th Oct 17, 1:45 PM
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    sauceoclock
    Hope you're all relaxed after a holiday! Thinking of you xx
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • coastalchick
    • By coastalchick 7th Oct 17, 11:27 AM
    • 220 Posts
    • 346 Thanks
    coastalchick
    Gah, so holiday was pretty poo. First week was ok (though not amazing) and second week was pretty dire - tons and tons of rain!!! We were meant to come back yesterday but ended up changing our flights and coming back wednesday instead. We have also spent an absolute fortune. Thought I'd have loads left out of this month's spending budget but don't. Get paid in 2 weeks though. So trying to hang on until then. Got 2 big shops though, lunch out today (which don't want to go to but can't cancel) and dinner out next sat - that will be expensive one as with my very good friends who drink A LOT. Though maybe I'll drive and not drink.

    So we are not at all relaxed!!!!

    Anyway.

    Whilst away we also booked a trip to Padstow for the food festival in Dec so more money! But we love Padstow.

    Think we may now try to be frugal until then. Need a new plan!!!
    • coastalchick
    • By coastalchick 8th Oct 17, 10:04 AM
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    coastalchick
    So, friend paid for lunch yesterday which was good as I hadn't really wanted to go (it was with the girl I've had problems with who had left but is now coming back and going to be working for same place as me!!! and will actually be above me in the food chain - gah!) but it was actually quite nice. Maybe I do need to give it a fiftieth chance(!).

    B and I were supposed to go and enquire about the necklace (we left the rings with jeweller and said we'd pop in for quote/to see designs when back) but was tipping with rain so B picked me up instead and we came home and lit the log burner! On way we popped into WR and spent £14/2 on wine, pudding, milk, biscuits, kitchen roll. And we drank a fair bit yesterday PM. We drank shed loads on holiday so now I think we need to stop for a while, esp as we will start trying again next week. Had made a lovely beef bourginon from scratch on friday which had left overnight for flavours to take so we had that for tea with baguette dumplings. Was delicious.

    Today we are having a lazy morning drinking (decaf) coffee and reading. Then we will go to B's mums for lunch to see the kids. Going to go for a run this pm if it kills me. Am now almost 12 stone (am only 5'4") and have never been this weight in my life (my usual weight is between 9.5 and 10 st) so now need to stop all of this eating and drinking and also hit the exercise again.

    Tonight is a ready meal from stores (yes, diet properly starts tomorrow) and we need to do a big shop for the week. Already have some salmon in freezer so just need meals for 3 nights plus lunches so hoping we can keep cost down.

    Think we are both a bit depressed at the moment and feel in limbo. Everything is just on hold and in the air because we want a baby and think it is getting us both down. We also feel a bit trapped where we are. Been talking about moving to Cornwall but we just can't at this point in life. We also want to retire early and just cannot see that happening.
    • coastalchick
    • By coastalchick 8th Oct 17, 5:21 PM
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    coastalchick
    Went to B's mums for lunch but kids weren't there which was a bit of a disappointment! Didn't do big shop but got fruit for breakfasts/snacks, a whole roast chicken, couscous, salad, tomatoes and cucumber so we can take healthy salads in this week (I'll jazz the couscous up a bit with some sultanas, lemon juice and olive oil and perhaps a little bit of cumin). Also got sunday paper and a birthday card for a friend. So almost another £20/2! B has told me has has band this week so we need an easy meal for that night, plus 2 others at shops tomorrow so should hopefully not be too much.

    Went for run! Decided to literally start from scratch again so did run 2 mins, walk 1 min for 30 mins. Was hard as carrying a lot of excess weight (am so fat I had to wear my maternity clothes on holiday and my sports bras no longer fit) but I need to do this as need something else to focus on and need to lose weight. Going to aim to go 3-4 times per week.

    Got sunday blues a bit now, esp as have had 18 days off!!!! But need to get focused at work or reckon I'll get the boot. I feel I've hardly produced any product this year so need to rectify that before year end.
    • sauceoclock
    • By sauceoclock 9th Oct 17, 12:10 PM
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    sauceoclock
    Hellooo!

    So sorry to hear about your holiday, it chucked it down the whole time I was in Amsterdam and me and BF both had an AWFUL cold and I spent my holiday wishing I could come home. Completely sympathize that you came back without that relaxing feeling! Sounds like the food festival will be a slower pace and hopefully having that to look forward to helps!

    In terms of your weight-loss etc. Try not to be too hard on yourself, you've been through an awful lot. Gentle exercise and I'm sure you'll be surprised at how quickly you shrink back down! Same goes with your work, I doubt you'll be getting the boot.... You've had a rotten old time of it and there are a couple of months to go before 2018 appears!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • coastalchick
    • By coastalchick 9th Oct 17, 6:27 PM
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    coastalchick
    It's just terrible isn't it when the weather is crap?! God, feel for you too - esp having a cold aswell!!!!

    Yes, hoping I can shift the weight. Been good so far today and have had only an alpen light bar, a chicken salad with couscous and some fruit.

    First day back was hard. Over 400 emails. Have got through and dealt with most of them though. Was a lot more focused today and am drawing up a plan for rest of year work-wise. I created this product for all offices which I then regretted doing because it took up so much time, it took me away from what my real focus should be. Anyway, cos I was off after MC and then hols, it's not gone out for 6 weeks. Discussed with my line manager and he and I have agreed that as no-one has been shouting for it, we will just not bother and see if a fuss is kicked up - he suspects not!

    MSE today - not too bad but could do better! Walked to and from work so saved on petrol money and that will also help with weight loss (also took the stairs rather than the lift this am), spent 6.29/2 on way home on ingredients we needed to make this miso salmon tonight.

    Still have to get food for 2, poss 3 more nights this week and maybe a bit extra for lunches (salad wise - chicken won't do thursday but have some eggs can hard boil instead).

    B is out with his mates for a curry fri night so I'll either treat self to a take away (only £10 so not bad) or cook something. I do find it is more expensive to cook than buy ready made/take out these days. At weekend I wanted to make a tarte tatin but we worked out it would cost around £15! Fine if you're having people over for dinner, there's 6 or 8 of you and you want to pull out all the stops, but when it's just me and B - ludicrous!!!!!

    Then we are out with friends at a steak restaurant sat night which I am fully preparing self for a £70/80 per person bill. But they are my closest and we have fun. Though I may drive rather than drink as otherwise we've also got the cost of a taxi home (B may drive if he's hungover from friday I suppose!).

    No booze until then however. And run tomorrow night (or maybe the morning).

    Do just wish I didn't have to work. Life would be so much better!
    • sauceoclock
    • By sauceoclock 10th Oct 17, 10:40 AM
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    sauceoclock
    Yep! Totally get what you mean about cooking being more expensive, I try and cook everything like curries, pizzas etc. from scratch and aside from the time we have to spend in our tiny kitchen making the food we’ve found the cost of ingredients keeps going up and up. We don’t eat meat in our house and BF is totally vegan so we wait for our favourite ‘meat replacement’ items to go on sale and buy them in bulk and I’ve started buying frozen vegetables to reduce our food waste but I still feel like we haemorrhage money on food. Especially as my BF eats like a horse (honestly I cook a HUGE portion of food with the intention of leftovers for work lunches only to wake up the next day and find he’s managed to eat 4 portions worth to himself, and he’s a rake!! So unfair!).

    I suppose the way to look at it is typically the cost of ingredients will last several meals rather than just the one so the cost spreads out to be cheaper. Even if it stings the purse at purchase!

    Glad you got on top of your e-mails so quickly, when I was off for 6 weeks it took me about a week to get back in to the swing of things!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • coastalchick
    • By coastalchick 10th Oct 17, 9:43 PM
    • 220 Posts
    • 346 Thanks
    coastalchick
    That's exactly the same as B! He eats for like 3 people!!! Rather annoying!!! (though he's not a rake!).

    Today wasn't great MSE. I walked in but B drove car then picked me up at home time so no petrol money saved and only half a walk! But did take the stairs instead of lift twice today and walked to printer 10 million times as kept making mistakes and having to re-print!!!

    Lunchtime I paid a sickness benefit cheque in for when was off with MC though not actually mine as work deduct it so will still be same pay this month. Had a tenner in purse and 51p in shrapnel so paid all that in and will put the 51p to savings, tenner back to this month's spending budget as that's where it came from. Fixed my mortgage on Tooting property at 1.84% for 5 years with no fee. Fixed rate runs out 31 October and variable was 3.69% so didn't want it to revert to that. Only 11 years and 1 month to go on that property so by time fixed rate runs out will only have 6 years left to go. Has only reduced my monthly repayments by 98p and could have got 1.14% for 2 years or 1.39% for 3 years but given we want kids (preferably 2) and that property could do with some refurbishment, I figured it would be better to have certainty for next 5 years. Plus I do think that is a good rate for 5 years as surely interest rates are likely to rise in that time?

    Then damage started. Needed to go to shops for food. A really nice wine we had at weekend was on offer £5.86 a bottle rather than almost £8. So we bought 6 as you then also get another 5% off. Spent £61/2 as also got milk, 6 chicken breasts, salad stuff, diet coke and other bits and bobs. So rather more than was expecting but it is good to stock up on good wine when on offer so sort of saving in long run(?!). Then £8 on batteries (24) as new cat flap keeps saying batteries dead! And cat needs to be able to get in and out. We had to fit a new one with the microchip sensor thing as a cheeky black cat kept coming in the house and we think it's been bullying our cat.

    No lunches out or meals out now until Sat. My turn to cook tomorrow and thursday. Been taking healthy lunches to work so also saving there.

    Trying to be more focused at work. Do find I'm more focused when the girl I'm sharing with is not there. She really gets on my nerves with her constant sniffing and her smelly food and loud typing!!!! She is sadly back tomorrow afternoon.
    Last edited by coastalchick; 10-10-2017 at 9:45 PM.
    • sauceoclock
    • By sauceoclock 11th Oct 17, 12:02 PM
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    sauceoclock
    Ha, I have somebody at work who is super loud (shouts everything) and he drives me absolutely insane!! He makes up words, has horrible food, argues about literally everything (you could tell him you’re giving him £2000 and he’d have an argument with you about it), starts new lines in the middle of e-mails for no reason.. The list is endless. You sincerely have my sympathy. We spend so much time at work that it would be daft to expect everyone we work with not to get on our nerves.

    Yes, I agree that sometimes it’s better to spend to save, wine sounds like a good deal. I always buy things like my fabric softener in bulk when it’s on offer as it’s so much cheaper and then lasts me a good 6 or 7 months without buying one here or there at full price. Poor Marley, hopefully the microchip cat flat is helping alleviate any bullying problems.. Cats can be so mean to each other!

    Way to go on your healthy lunches at work, I’m being so bad for this at the moment… I keep buying lunch every day and that is of no help to my general wellbeing as I keep buying horrible food like mug-shots and then I’m hungry at the end of the day as I’ve had nothing wholesome.
    Last edited by sauceoclock; 12-10-2017 at 11:40 AM.
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • coastalchick
    • By coastalchick 17th Oct 17, 6:39 PM
    • 220 Posts
    • 346 Thanks
    coastalchick
    He seems much happier so think the bullying has stopped!!! Annoying girl still being annoying, but she leaves in Jan, though suppose could end up with someone worse!

    Well, thursday at work I bought a duck wrap from c*-op and a pack of galaxy ripples, plus some spring onions as we needed some for thursday nights dish. Dodgy tummy then started thursday afternoon and I went to bed at 830 still with dodgy tummy. Up all night then spent all day in bed on the friday, couldn't eat or drink anything as it came straight out the other end (sorry for TMI!). B went out on lash and for curry with his mates.

    Sat morning was still disaster so took 4 immodium as we were going out on rib B's brother in law had borrowed from work, with the kids. Went for lunch with them and we paid £66.80/2 but I could barely eat. My dodgy tummy started again just before we were about to get back on the rib. Went to supermarket to get stuff for dinner as had to cancel on my friends as no point going for expensive 70/80 a head meal if going to come straight out. Thank god did as managed a single slice of pizza then on toilet all night again!!!!

    Sun morning it seemed to calm down and went to B's mums for lunch and had half a (small) pizza then managed half a steak and ale pie for tea. Been ok since then though really bad pains this morning. Then stopped.

    Have got about 360 in this month's budget until get paid friday. Hopefully need nothing more than milk and will then divide what's left between long term savings, holiday account and house account. New budget friday and really need to be frugal this month!!!
    • sauceoclock
    • By sauceoclock 18th Oct 17, 10:35 AM
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    sauceoclock
    I know this probably sounds silly but be careful that you don’t have an E.Coli infection. I had one badly when I was at university (thanks to my disgusting housemate leaving meat etc. on the side and not wiping it up) and I ended up in hospital and your symptoms sound like mine. In the end the hospital said the only thing to do was to starve the E.Coli out as every time you eat it feeds the bacteria which causes the symptoms again! Drink plenty of water as you’ll be dehydrated and watch you don’t end up with a UTI as your symptoms very often lead to one! I hope you’re on the mend soon!!
    Loan: £3,600 £2,773.32
    Credit Card: £1,758.95 £1,733.95
    Emergency Fund: £200 (Aiming for £2000 by Dec 2018)
    Goal Debt-Free Date: February 2019
    November NSDs: 2/10
    • coastalchick
    • By coastalchick 19th Oct 17, 5:46 PM
    • 220 Posts
    • 346 Thanks
    coastalchick
    Yeah, I definitely have the symptoms!!! Seem to be better now though, thankfully. Not eating the galaxy ripples in case it's those! Killing me to have them in my desk (maybe I should just chuck them in case?!)

    So we spent a little yesterday on a pudding as a treat, oven chips and milk - came to 775/2.

    Did my calculations today and had screwed up somewhere so that was another £60 I had to take from this month's budget. Anyway, ended up putting £98 in each of my long term savings, house account and holiday account. And have a bit of shrapnel (around £7) in cash which need to pay into bank and think will put in long term savings account.

    Weather is pretty wild out there! Tonight is beer battered cod, chunky oven chips and asparagus from stores. B is off to band shortly so have whacked heating on (we have underfloor throughout the whole house - bliss) and going to watch a film when he !!!!!!s off!

    Tomorrow we get paid - waa hoo! So will move money across from bank account to my various accounts - bills, mortgage, holiday, spending and long term savings. Really want this month to be frugal but suspect it won't, esp as will need to start the christmas present buying using this month's money as we don't get paid until 20th and then it will be too late to order stuff online in time etc.

    We will need bloody petrol tomorrow so that will be a tenner each

    Planning to get tax returns sorted tomorrow and give the house a good old clean. B and I might also go out for dinner tomorrow night (frugal my !!!!!) but we've not decided yet as he has manflu (though clearly not stopping him going to band!!!) but if we do, will either be a pizza or our fave pasta place (which doesn't do pizza) which is very reasonable

    Thank fcuk I've finished for the week!!!!!
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