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  • FIRST POST
    • Cherryfudge
    • By Cherryfudge 3rd Mar 17, 12:10 AM
    • 491Posts
    • 1,431Thanks
    Cherryfudge
    Cherry takes the reins
    • #1
    • 3rd Mar 17, 12:10 AM
    Cherry takes the reins 3rd Mar 17 at 12:10 AM
    Hi everyone.

    I'm hoping I can legitimately post a diary here as I'm in the blessed position at the moment of my only actual debt being my mortgage, but I've had a huge change in my circumstances recently and how I manage it will have a big impact on our finances.

    I need to talk things through, if only with myself, and motivate myself with small money savings and accountability. For the last few years I've not kept an eye on money but I work and DH's pay has gone up so we've had enough and a bit to spare and I've got lazy with some and wasn't mentally able to face other aspects. Now that I'm in a much better place mentally, I want to take the reins and be deliberate about what I spend. I need to start facing up to this right now because we are covering costs for my Mum's estate until probate is settled. I know this isn't legally necessary but we can pay ourselves back from the estate once the paperwork goes through and I don't like the estate to be building up debt (which oddly is possible).

    A bit late tonight to launch into details about the estate so I will give a brief explanation of other financial stuff. DH and I have a couple of joint accounts and a mortgage. We have an aging car which needs to be replaced soon and is essential (DH's work and transport for a disabled relative). We are also going to a family wedding abroad in July, and have paid accommodation and air fares but there will also be car hire, food, sundries and some of the clothes still to buy. DH's income is the larger and pays all the utilities, holidays, fuel and etceteras. Mine goes into the other joint account and pays the mortgage and food, which gives me a lot of pride . I also pay for contact lenses, some donations which I don't want to stop, my phone contract and, temporarily, costs incurred trying to sort Mum's estate.

    The breakdown of where my money goes (pcm):
    Mortgage: 282.24
    Donations: 120.00
    Contact lenses: 22.00
    Phone 8.40
    Amazon Prime: 7.99
    Food for 4 adults 80.00 (pw) (approx. 347 pm)

    Income:
    Roughly 1,000 pcm (variable due to overtime)
    Bank £3 (if I get my wages transferred regularly)

    This month and possibly next I have lots of extra fairly hefty outgoings in terms of travel, paying a cleaner, insurance etc. that are all to do with Mum's estate. I will, as I said, get these back from my eventual inheritance but meanwhile I want to tread carefully and of course it will decrease what I inherit. Duh.

    To encourage myself I'm keeping this diary and would love to hear from others as I do so. I can't always see things clearly till others give input.

    Action I can see I need to take:
    Get my wages paid directly into this account so I always get that £3! Done in time for May 2017
    Cancel Amazon Prime - cancelled 7/3/17

    Little MS things I've managed today:
    Started this diary
    Taken lunch to work - overnight oats
    Mended a favourite cardigan so I can wear it in daylight
    Put myself down for 3 extra shifts. 2 of these particular type of shifts pay for a journey to work on Mum's house.

    Uh-ohs
    Forgot DH had an evening meeting so went for the quick-cook supermarket pizza which isn't best use of food money when I could have been using stuff up.
    Far too tired after a late night and an early shift, to go for a run. I know that's nothing to do with money but for lent and my waistline I'm doing C25K.
    Last edited by Cherryfudge; 31-05-2017 at 10:21 PM. Reason: Update
Page 4
    • Cherryfudge
    • By Cherryfudge 2nd Apr 17, 7:09 PM
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    Cherryfudge
    Ha ha thanks! It won't happen very often but it's inspired me to put in more short term effort for long term benefits.

    Remember you've already done well this month so no scrimping on the cocktails

    HW17
    Originally posted by Hillwalker17


    It was a great weekend, not too spendy as these things go though of course there were costs.

    Friday:
    Food shop - 11.01
    Stuff for DD's weekend project - 7.25
    Sandwich & coffee - 4.90 (despite having bought stuff to eat on the journey, I caved when we stopped at services )
    MS stuff: bought food in to avoid motorway services, but see above.
    Exercise - short but energetic walk up a short steep hill and back via town: just enough to blow the cobwebs away.
    Saturday:
    Eating out - 27.00
    Exercise - cheerleading class! Lots of fun and certainly pushes the heart rate up.
    Today:
    NSD
    MS - avoided those motorway services coffees!
    Exercise - 1 hr 40 mins moorland walk with DD leading (9,200 steps apparently, and 500 Kcal burned. Helps redress the rest of the weekend!)

    The food & drinks bill for the weekend was otherwise largely self-catered and the organisers are going to total it up so there's a further cost to come.

    This exercise thing is becoming self-perpetuating. One of the girls on the hen weekend turns out to be a runner - she went out this morning and did a run to a monument we'd admired in the distance, coming back spilling endorphins all over the place. The rest of us were at the coffee making stage. I looked at her and wanted to have done that run! Okay she's about half my age but to be out in the morning sunshine with the freedom of the road and flying through a stunning landscape on your own... wow.

    I'm giving a bit more thought to the whole idea of a budget and decided I need to go back to the days of tracking spending so I can be realistic about what my needs are. I've also decided I want a credit card so I can have a decent credit rating. At the moment it will be worse than it should be because there's so little to track. It will also be useful for holidays, larger spends and Internet shopping.

    Last but not least: this month I will have a MSE signature.
    Last edited by Cherryfudge; 02-04-2017 at 11:20 PM. Reason: Checked receipt
    • Cherryfudge
    • By Cherryfudge 4th Apr 17, 8:50 AM
    • 491 Posts
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    Cherryfudge
    3rd April
    So, yesterday...
    NSD
    Had a run.
    MS stuff:
    Added to my collection of onion roots to grow!
    Work dinner from freezer/cupboard
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 4th Apr 17, 11:31 PM
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    Cherryfudge
    Another lovely sunny day; I had a run in the morning and generally a satisfying day.

    We are now free of the huge insurance for Mum's house. The company have just changed their phone system and instead of being passed from pillar to post, I actually got to speak to someone who was able to process the cancellation. DH had tried the other day and it took so long, being passed from one person to another, that his lunchtime ran out and he had to hang up from being put on hold.

    There have been a few spends: I went to visit friends this evening and took a pudding as my contribution, and I've bought some other food and stuff and had my piano lesson. Really must practise more but I suppose a hen weekend isn't exactly conducive to that!

    MS stuff:
    Cancelled that horrendous insurance policy!
    Bought a £ shop version of a Moroccan meal to have tomorrow and will add extra veg instead of the full amount of meat.
    Got the lower calorie version of 'cream' for the pudding - cheaper and less guilt!
    Rescued a couple of begonia tubers which I'd never got round to planting last year: shrivelled but worth an attempt at revival. I've soaked and planted them.
    Reduced price strawberries - saving of 68p on full price.
    Spends:
    Piano lesson 10.00
    Seeds for garden 2.99
    Felt to patch my beloved slipper socks 0.49 (which I guess is MS too)
    Food for us 5.70
    Food for friends (goes under gift budget) 5.27 (but we get some spare strawberries and meringues).

    I think with a bit of organisation I could have improved on that - buy egg whites to make meringues and shop early enough to see if the greengrocer has a good price on strawberries. I would also make much better use of the piano lessons if I practised more, though I'm learning to practise better.

    The damson and greengage trees are covered in blossom so maybe this year will be another good harvest.
    Last edited by Cherryfudge; 04-04-2017 at 11:34 PM.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 5th Apr 17, 10:45 PM
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    Cherryfudge
    No running today: I decided a rest day was a good idea. I hope to get back to it tomorrow. Instead I walked into town and carried heavy shopping home.

    I spent a while going through the bank statements and found a load of stuff I couldn't identify but it turns out it was DH's expenses over leaving one job and starting another, so panic averted. While I'm rubbish at spreadsheets, I've now got one to track expenditure, so I'll move these findings over there. The idea is that if I know what I've spent, I'll have an idea of a realistic budget.

    Today's shopping was pretty MS even if I did buy (yellow-stickered) avocados as a treat for DD. DS1 and his fiancee came to tea and I made a bit pot of chilli: good quality mince isn't very MS but the other ingredients were. I had a notebook and worked out how much cheaper the items I bought were at the cheap shop at the other end of town than at Mr T. I think there's another spreadsheet in that if I can stay awake long enough.

    It's interesting that I can finally begin to get a grip on how much our 'entertaining budget is. Yesterday's dessert wasn't really entertaining because the theme of the evening was to bring a gift so while it was food, it was primarily a gift, but it came to £5.27 which fed four of us. Tonight's chilli, which fed five of us, was £6.28 plus stuff we already had in. In a typical week we feed DS1 and his fiancee once or twice (sometimes go to theirs), DFiL once, DD's b/f once or maybe a couple of times...

    Spends:
    Food/housekeeping 17.20

    MS:
    More onion ends saved to grow a field full!
    Trekked to B for cheaper food and made a note of what's good.
    Extra portion for DD's lunch tomorrow.
    Argued the case with my manager and it looks as though she will give me my full pay claim for March, having queried it. It takes so long to sort out my extra hours amidst the irregular hours I do that I could almost claim extra hours just for putting in my timesheet! If I had been awake enough when I filled it in I would have realised that four hours extra should be claimed when they happened not later. D'oh.
    Resisted three packets of seeds totalling £9! I'm astounded seeds have got so expensive. When did that happen?

    Other than that I set out to deep-clean the bathroom. The tiles are now gleaming, though it's not perfect and I have a headache from the chemicals. New spray I bought is too powerful for me.

    There's nothing really interesting to report tonight so I'll stop waffling and do that spreadsheet.
    Last edited by Cherryfudge; 05-04-2017 at 10:52 PM.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 7th Apr 17, 12:22 AM
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    Cherryfudge
    Today was supposed to be an NSD but instead has cost a fortune.

    I've decided to bite the bullet and put the high food spend on this month's bill even though I'm buying for quite some time ahead, as it's an on-line order to go to Mum's old house to help my sister and deliver tinned stuff so I don't have to carry it when I go to do more clearing. My sister is doing her stint as one or two fell swoops as she lives so far away, and she will have her little girl with her. She offered to pay for her share of the food but I'd rather gift it to her as I'm pretty sure I will gain more in terms of keeping bits and pieces from the house in the long run.

    I'm therefore splitting that bill between my gift budget and my housekeeping budget.

    How I spent today? Well, my sister finally got a good Internet connection late last night so I was up late comparing notes with her. Useful but not good for my sleep. Thankfully I had today off and slept till eleven!

    I therefore didn't do much with the morning.

    Sadly, when I went to put my favourite jeans on, I found they have died a death. No longer useable. I will try to hold out replacing them till I've got a bit lighter. How many times have I said that?

    When I finally got up I got straight into my running stuff but what with one thing and another I never got my run. Instead a neighbour and I cut some overhanging branches and I did some weeding. Then I headed into town late and managed to miss the greengrocer's opening times so had to buy from the supermarket. Admittedly I rather went to town there: lots of fruit & veg to keep us going this weekend (I hope DH has enough in his budget to pay for any other weekend food? It's DD's birthday on Saturday - pizza party and cake - then Sunday lunch). I also bought some vouchers as a thank you to the driver who took us to the hen weekend and refused to let us help with the petrol money and some chocolate towards DD's birthday (she mostly wants money but it's nice to have something to open so depending on how I allocate my time tomorrow, she either gets another item off her list plus chocolate, or she gets money and chocolate).

    Then I went home and sent a cheque to pay the lady who is keeping an eye on Mum's house and garden. We negotiated her hours down now that my sister and I are going more often but still need her.

    Then I sent that online order...

    And I still haven't found out the details of two supermarket spends from the beginning of the week but maybe I can find the receipts tomorrow.

    MS stuff:
    A new mini woodpile for next winter
    Saved yet another couple of onion roots to plant
    Careful shopping for groceries (e.g. buying loose veg. not prepacked unless it's sweet potatoes which for some reason seem to be cheaper in a bag)
    Checked the price of something on DD's list before blithely buying it. £24.99 for a mug?
    Used veg & chickpeas to bulk out tonight's tea and it was voted delicious (Lamb tagine)
    Decided on overnight oats again for work tomorrow, and tuna for following shift(s).

    Spends:
    Gifts (vouchers, chocolate and food) 30 + 5.00 + 37.14 = 72.14
    housekeeping (including cleaning materials and store cupboard food for Mum's house) 35.13 + 9.33 = 44.46
    Cheque for April housekeeping 120.00

    Total spends £236.60.
    Not sure about that. Adding up the receipts I make it £241.81. Maybe I'll have another look tomorrow, it's too late at night to think properly now.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 9th Apr 17, 1:49 AM
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    Cherryfudge
    Today is DD's birthday but she's away running a half-marathon so we celebrated a day early with a pizza party. DH paid for the food and baked the cake.

    Most of the things on her wish list were ones she would be best choosing herself so she got money from nearly everyone. I felt it's nice to have a few things to open so I bought party bags and went on a quick scout around town for bubble bath, chocolate, a candle... that sort of thing. I gave myself a £10 limit and stayed inside it. I also revived an old tradition of giving the other 'children' a present so they wouldn't be jealous. Rarely can a room of twenty-somethings have been so excited about an 85p bag of chocolates each! So glad I did that.

    So, spending - I'm going to have to revise Thursday's as I've changed the supermarket online shopping order.

    Friday:
    NSD
    Had a run
    Saturday:
    No run but spent about 2 hours at work pushing someone in their wheelchair so I'm not totally devoid of exercise.
    Spends:
    Food: 3.28
    Gifts: 15.54.

    Other than that, I've been chucking stuff out of the fridge. I'm pretty good with not wasting food apart from in the fridge. Throwing out bacon, carrots and cranberries, all well past their best, is a shame but after a while it just ceases to be food and these were heading that way. .
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 10th Apr 17, 11:57 PM
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    Cherryfudge
    Yet again too tired to do much of an analytical post but I have a day off tomorrow so maybe I can work out the money then.

    Food shopping today: £11.13 (my favourite coffee was on a very good offer).

    No running for the last three days though I've been active. I'm tired and this morning I discovered all my running stuff was in the wash so maybe I have an excuse.

    Would you believe we got a letter this morning to say the cancelled insurance isn't actually cancelled?! I can see why: it's to back up the mortgage but those guys leave nothing to chance. They want to see the details of the new insurance before they will cancel the old one, which means another payment at the higher rate to provide cover while that gets sorted.

    Very weirdly, the insurance letter came this morning with another, identical envelope. I did a double-take as they were addressed differently and were apparently from two different banks. The mortgage was taken out years ago with a particular building society and has now been transferred by the building society to another building society. That was one envelope. The other was from my bank to confirm I've set up a regular overpayment on the mortgage (don't get too excited, I've just rounded it up a little). However, the two envelopes - different accounts, different senders - were actually from the same building and it didn't take much to discover that the rip-off merchants who stayed quiet while my elderly mum paid over the odds for years are actually part of the same banking group as my friendly local place which gives me positive feelings because I can overpay my mortgage there and feel like a grown up.

    Faced with the reality of the words 'banking group', I think I've revised my opinion. They really are all about getting as much of our money as they can (they are businesses after all) and it's in my best interests, and those of my family, to be savvy and proactive about my finances.

    Having said that, I've started to search for info on overpaying my pension contributions. Nothing very useful found so far. As far as I can understand I can't make my State pension any bigger so maybe I should make some phone calls about my work pension, which is short of a mere quarter century of contributions. Eeeekkkk!

    Good news in that I now have Probate to deal with Mum's estate. The bank account goes live tomorrow. I had better become organised.

    I also had a good trawl through the mortgage account trying to work out why interest payments vary month by month and can go up even if I've overpaid, or go down when I haven't done anything. No clue. There are 3 sub-accounts so I thought maybe one was quarterly or something but they are all paid monthly and are all at he same interest rate, which hasn't changed since the middle of last year.

    And lastly - I tried to get into our online phone/broadband account and didn't succeed. User name and password both missing. At least it's secure!
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 11th Apr 17, 12:04 AM
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    Cherryfudge
    Just found DH's receipt for his tea (will try to womble his loyalty points tomorrow - he's lost his loyalty card). It appears I'm not the only one who forgets to get cash out before I go into the shop: he paid by card then got his share of the food money out as cashback - result: an overspend of £2.78 before he starts. I think the same happened last week.
    So if this happened every week for a year, there goes £144.56 without his even noticing. That's before you take my similar slip-ups into account.

    How to organise ourselves so we have the cash before we go into the shop?
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 11th Apr 17, 5:54 PM
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    Cherryfudge
    Tuesday: rarely a no-spend day as I have a piano lesson.

    Some unexpected spending as I'm almost out of decaff coffee and hot choc, which amounts to a (very small) crisis, especially as neither was on offer. I also topped up my sister's phone and did a top-upon line shop for her: she's going to pay me back but hasn't got internet while she's in the UK so it's easier for me.

    I continued my foray into down-shifting. The down-shifted decaff has been replaced by a couple f brands better though still not my usual one. I debated downshifting on the hot chocolate but realised I can afford the 'best' one and it's fairtrade. I've gone for a much cheaper laundry liquid again as the previous cheap one seemed to work well enough. I'm no longer at the stage where there is deeply ingrained dirt to remove from the kids' clothes!

    Still, the housekeeping shopping was a bit much - usually I manage to juggle it so I'm not replacing 2 coffees, a large hot chocolate and the laundry liquid at the same time.

    Spends:
    housekeeping 7.48
    stationery 1.50
    toiletries 1.00
    Piano lesson 10.00
    Sister's phone 20.00
    Sister Mr T order 40.13 (TBC)
    Piano music 2.95? Used part of a gift voucher, so free to me.

    I've also given myself a bit of a headache researching credit cards. Do I really want one? I think so - take a leaf out of my friend's book. She's very money savvy and pays back on the same day, but it's a supermarket credit card so she gets loyalty points. That could be a triple win for me - not only the points and the stronger credit rating, but also now that I'm keeping track of housekeeping here instead of juggling the cash budgets in my purse, I wouldn't need to be constantly owing things from one budget to another. That's what happens when I feel I need to pay exactly to help the shop out, and believe me, I do that all the time and end up unable to sort out how to pay the general money back 74p because I only have a fiver in housekeeping.

    I can only give it a try. I do quite like reconciling the books at the end of the day (I'm odd like that).
    Last edited by Cherryfudge; 12-04-2017 at 12:55 AM. Reason: Forgot piano ;) How? It's big enough. Also will need to pop in price of online shop when complete.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 12th Apr 17, 12:54 AM
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    Cherryfudge
    Credit card application approved. Never had one before, need to learn how to use it! Let's hope I never get a major break in Internet access, as I haven't worked out how else to keep it paid off.

    And it took about 50 minutes from start to finish: so much for my early night.

    MS stuff that I forgot earlier:
    Chickpea curry for tea - under £2 for 5 portions, and that's DD's and my work lunches sorted for a couple of days.
    Still collecting onion roots for growing!
    Proper Martin Lewis run of the dishwasher - half load and half a tablet! Only need a full tablet if the stuff is 'properly dirty'.
    Bought some music using gift voucher I had for my birthday - and got it 2nd hand at about 1/12th the price of new!
    Saw the online shopping was approaching the amount where I could reduce P&P charges so spent the difference on breakfast bars and the like which will keep. I'm spending the money anyway - I'd rather have something to show for it.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 12th Apr 17, 11:05 AM
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    Cherryfudge
    Savings/pension next?
    So, credit card sorted out with minimal bother so credit rating must be okay.

    One down, x? to go...

    Been looking at what all our bank accounts are - funny how I didn't know all of them. Two savers, three currents and an ISA with N. One current with H. Somewhere in the depths of the PO is another current and another saver, probably with relatively small amounts in.

    I've transferred bits into the general saver and the holiday saver this morning. DH won't notice unless I tell him! He is still uber-busy with the new job - today will be a 13 or 14 hours day by the time he gets home. I'm working late then early today & tomorrow so there's not much I can do to help. I noticed he is paying with his debit card at Mr T, meaning he's not had the chance to get the cash out, but that's how little extra expenditure gets in. I need to give that some thought - maybe add him to my new card so at least we get points for spending! He has his own but it doesn't get us anything.

    The money tips mentions a savings account which pays better interest if you save £100 a month. That sounds do-able - it would still be there if needed but at a better rate than the current account. Trouble is, it would involve a credit check and I've just had one done. I understand too many of them in themselves have a temporarily negative effect on credit rating. One to bear in mind though.

    Pension: that's the other thing I ought to do something about. Searching the pensions stuff at work isn't telling me much about overpaying so I either need a phone call or a forums search, or both.

    Today was going to be an NSD but I haven't bought Easter eggs yet...

    I still haven't reconciled the accounts either, though I have lots of notes towards them. Then I should update my signature, but I haven't worked out how to factor in the advance payments for food which is going to be at the other house and not much will get eaten for a while. If I count it in this month's food money, we will be eating out of the freezer and hedgerows for at least a week!

    And... the Executor's account still isn't showing on my online banking? Why not?
    Last edited by Cherryfudge; 12-04-2017 at 11:07 AM. Reason: Adding a sentence
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 12th Apr 17, 11:12 AM
    • 491 Posts
    • 1,431 Thanks
    Cherryfudge
    Energy prices
    ...yet another for the to-do list and not much time to do anything more today.

    Headlines say EDF is putting prices up for the second time this year. That's going to cost us a bomb. Short of chucking the children out and living under blankets ourselves, the easiest option is that bothersome (to me) thing of checking other companies and trying to drive costs down.

    Might try a post-it note in the kitchen over the kettle mentioning the price hike!
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 13th Apr 17, 11:03 PM
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    Cherryfudge
    Yesterday:
    NSD
    Went for a run.
    MS stuff: carried on the honourable tradition of taking a pack-up to work. Shall I just assume this is a given unless I say otherwise? I also did a bit of MS stuff for work: we'd had an overdelivery of fresh food so I prepared some for the freezer and made a cake rather than let the stuff get binned (regulations won't allow us to keep it beyond BB dates, even if we are perfectly satisfied that it's safe. However, once cooked or frozen, it gets a fresh lease of life).
    I put the note about the price of electricity by the kettle and am trying to put in only the water I need. Trying but not always succeeding.

    Today:
    No run, but a walk across town to buy cheaper Easter Eggs.
    MS stuff:
    Bought supposedly cheaper Easter Eggs (by 1p, I think. )
    Used the opportunity to stock up on a couple of grocery items at lower prices.
    Tea was chicken pie made with freezer ingredients except I gave in and bought mushrooms.
    Put fresh mushrooms back and substituted tinned at a saving of about 40p.
    Spends:
    Housekeeping 3.17
    Gifts (Easter eggs & choc) 36.30
    Paid my share of food bill from 2 weeks ago (not in this month's budget) 13.00 (Edit: Oh yes, it is! This plus the Internet shops are not looking good for the food budget).
    Last edited by Cherryfudge; 15-04-2017 at 12:04 AM. Reason: Looked back and realised the weekend away's food shop actually belongs in this month...
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 14th Apr 17, 11:41 PM
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    • 1,431 Thanks
    Cherryfudge
    NSD
    No running either.
    Finally got round to changing my bank details at work so I'm no longer at risk of defaulting on the mortgage if I lose my online banking details.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 15th Apr 17, 11:59 PM
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    Cherryfudge
    It's been quite a productive day!

    Firstly we went to the car boot sale where DH treated me to a tomato plant and a cookery book, then I treated myself to a candlemaking kit for £1.50. It needs some more of one ingredient but I've wanted to make candles for ages and for £1.50 I wasn't going to miss the opportunity.

    Later I sorted out some more financial stuff... the details for the new insurance need a bit more attention but at least I've started to go through it. I don't want to pay out hundreds only to find out I've unwittingly invalidated it.

    No run today.

    I've also been reading the sample version of a book on money that I'd seen recommended (in another book on money). Decided it's too expensive and the library doesn't seem to have it. Ah well, I didn't really need it anyway, I was just curious.

    Then I wrapped up chocolates for various people to go with their Easter eggs, and decided to move a big bookcase to clean behind it. Impossible with the weight of books and papers crammed in there so I skimmed off the surplus and cleaned what I could before putting back... those I could get back in! . There's now a horrible pile of things that don't fit in and need to be Gone Through, though that won't be for over a week as I'm off to tackle more of Mum's house after work on Monday. One of my sister's friends has kindly asked me to dinner over there on Monday but I'll have had an early start and a four-hour journey and I really think I'd be best just chilling, despite kind offers of lifts and saving dinner. I need to say 'no' politely but firmly, I think, even though in other circumstances I would probably have enjoyed myself.

    The book sample I read talked about how many millionaires are quietly rich because they simply don't spend all they earn. They live within their means and invest the rest. I did a quick calculation based on their data and reckon I am financially well behind where they would consider I could be! Never mind, I'm happy, talking of which, we've been watching 'Rich House, Poor House'. The message there seems to be that money doesn't buy happiness but that lack of money takes a lot of time and energy.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 16th Apr 17, 3:10 PM
    • 491 Posts
    • 1,431 Thanks
    Cherryfudge
    Happy Easter!

    Today was supposed to be a no-spend day but my sister's phone needed to be topped up £20. Don't worry, she will pay back. Sounds like a threat but isn't.

    Also I realised I'd left an ebay (clothes) spend of £4.94 off yesterday's account.

    I will be away from the Internet from tomorrow till Wednesday night so I'll try to keep a note of spending.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 20th Apr 17, 11:25 PM
    • 491 Posts
    • 1,431 Thanks
    Cherryfudge
    Here I am back again.

    A productive few days away, and I managed a run on one of them. My sister and I have sorted out our joint grocery bill (the internet shopping one) though it remains to be seen if I can untangle it in my head. She's also paid me back the £40 for her phone bill and £24 for groceries, and I in turn have paid £46.50 to DS who became our chauffeur for a few days, and £3.50 for some chips.

    Before I went (Monday) I spent:
    Decorating stuff for Mum's house 16.50
    Plants for Mum's house 3.00
    Food 14.30.

    Today
    Spends:
    SD card 6.49 (off p@ypal which is linked to N account).
    Bumbag so I can carry phone and keys when running 2.99
    Candles for DS1's birthday cake 2.25
    Food 15.66 of which 4.80 was a birthday pasta bake for DS1, including 3 people who don't live in this house and 4 who do, i.e. entertaining. So food purely for this household = 15.88 - ((4.80/7)x4).

    This is why I get mixed up about budgets.

    Anyway it's set down for now and I need to push on and sleep. I have work tomorrow.

    I've brought back some stuff from Mum's to 3bay. Pictures are taken and prices sorted, then I can't get my phone to talk to my laptop, and until I get the new SD card for the phone I can't install an 3bay app, so I've got not further.

    The Executor Account still hasn't been updated - it was supposed to be useable on Wednesday. Sigh.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 21st Apr 17, 11:07 PM
    • 491 Posts
    • 1,431 Thanks
    Cherryfudge
    Very weary this evening so not too much philosophising.

    No run (again) today.

    Spends:
    Housekeeping 5.13 Mr T is doing 2.5kg of potatoes for 49p - I couldn't not, could I?

    MS stuff:
    Took meal to work, dried washing on line... not a lot really but it's all the 'not a lots' adding up that, well, add up.

    Big news - Mum's money has now gone into the Executor account. It looks odd, somehow. When I'm awake enough I need to draw together all the bits and pieces of money owed to us and the electricity bill and start paying people. It will soon begin to whittle down and until all debts - including the mortgage - are paid off, it's going to be about claiming expenses. Once the estate's finally settled, which may be years - my sister and I get what's left. I might have a different diary by then.

    I mentioned to DH a couple of weeks ago that I wanted to put the money we've paid out and will get back towards the mortgage but he's not happy about this. He'd rather see it! However I was able to point out that he actually hasn't missed it and doesn't know what we have anyway. (His online banking's still not working). I think he's gradually softening but we're not there yet.

    I've made a tiny, tiny bit of progress towards 3baying. I've got the SD card for my phone and the photos onto the laptop, so when I have time and energy I can start listing.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • Cherryfudge
    • By Cherryfudge 22nd Apr 17, 11:40 AM
    • 491 Posts
    • 1,431 Thanks
    Cherryfudge
    Something I didn't think to mention the other day: my sister has said I can have all of a certain range of furniture from Mum's house. I was given one many years ago and now I have its pair, a little wooden armchair of a rather good make. It had been gathering grime for goodness knows how long so when I got it home I took it onto the lawn and scrubbed it down. The varnish is threadbare so I invested in a fine sandpaper and now all I have to do is use it. That will be a project and I'm a terror for projects that only exist in my head, so mentioning it here will help me get down to it.

    Once it's sanded I need to apply varnish, then it will look lovely in the lounge and at long last we'll have enough chairs in there!

    I don't know what to do with the remaining 2 items, a larger easy chair and a slightly warped coffee table. I haven't even had a good look at them yet but from memory the coffee table has a fold-down flap so perhaps even with its warp it could be worth saving? That's if the warp is out of sight! If I can rescue the chair I've now got, it will be good training for the rest.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • parsniphead
    • By parsniphead 22nd Apr 17, 12:21 PM
    • 1,993 Posts
    • 12,734 Thanks
    parsniphead
    Hello Cherryfudge

    I have just read your diary, you are so busy. I hope you get everything sorted soon.

    I started C25k last year but struggled with hip bursitis. I really want to get back to it now. Are you finding it easy? I struggled but I'm overweight and late forties.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
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