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  • FIRST POST
    • redofromstart
    • By redofromstart 31st Jul 17, 7:37 PM
    • 621Posts
    • 3,530Thanks
    redofromstart
    <<<out of cheese error>>>
    • #1
    • 31st Jul 17, 7:37 PM
    <<<out of cheese error>>> 31st Jul 17 at 7:37 PM
    New name, new diary, new approach! I regularly read, and sometimes post, on the diaries of others but haven't started one myself as it is such a public thing to do. Anyway I need to stop drifting and get our finances back on track before we run out of cheese.


    Family is:
    Me - PT, self employed, bit of this bit of that. Currently on a PT contract with a few months to run.
    OH - generally works as a consultant and has a famine or feast income. On a rare direct employed contract at the moment
    DC - two boys


    Biggest challenge is a huge mortgage, taken out in the days of huge lending and post retirement mortgage dates. Stuck on high SVR as we haven't managed to both be in secure employment at the same time for years. The plan was to overpay and reduce the term but life got in the way a lot.
    10 years of chipping away at it may mean we can now try to remortgage but the barriers are two debts that I need to deal with so that they do not impact on affordability.


    Debt 1 is a student loan, £840 left at £94 per month - 1.5% interest (maybe?)
    Debt 2 is a 0% credit card, £2500 with over a year left to run. This is a carry over from the last famine, and has been reduced from a total that was closer to 15k.


    We do have a couple of months mortgage in savings, but that is the 'emergency job switched off fund' and is generally untouchable.


    OHs works full time and his wages cover the mortgage, and basic outgoings. Its up to me to generate the income for overpayments and debt clearing . I have to work round the boys as we don't have family local or any childcare in place.


    This diary is to try and keep me on track, before the big red lever turns the mortgage off. If we can remortgage, even with reducing the term to his retirement date, it knocks £200 a month off our payments which is a huge amount of leeway next time the famine hits.
Page 23
    • mummytogirls
    • By mummytogirls 2nd Dec 17, 4:26 PM
    • 5,617 Posts
    • 18,455 Thanks
    mummytogirls
    Christmas stock pile is looking good Redo!

    Hope the boys have been toasted warm with their new blankets xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • MrsChaos
    • By MrsChaos 2nd Dec 17, 9:49 PM
    • 1,958 Posts
    • 40,332 Thanks
    MrsChaos
    Wonky spuds and apples from Mr M, but I managed to forget the condensed milk. Looks like I'll have to call again soon.
    • redofromstart
    • By redofromstart 3rd Dec 17, 12:54 PM
    • 621 Posts
    • 3,530 Thanks
    redofromstart
    Happy Birthday Mrs Chaos! Its MrT that have the on offer condensed milk and caramel.

    Made a test run of Florentine yesterday using a delia recipe, far too wet they all ran into one. Had to slice them while still warm after which they were edible but inelegant. Back to the tried and tested Nigella option.

    My fluffy idiot arrived in a huge mess earlier, been fighting and has two bites on his throat. Cleaned him up, gave him some metacam and booked yet another trip to the vets. It really is destined to be a very expensive month.

    mummy the blankets have been very popular, still glued to them. £8 in £stretcher for really thick fluffy fleeces.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Dec 17, 1:00 PM
    • 2,246 Posts
    • 10,825 Thanks
    HairyHandofDartmoor
    That's a great saving on tbe mortgage and also the protection from future rises will give you peace of mind.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • greenbee
    • By greenbee 3rd Dec 17, 9:34 PM
    • 12,253 Posts
    • 216,249 Thanks
    greenbee
    Made a test run of Florentine yesterday using a delia recipe, far too wet they all ran into one. Had to slice them while still warm after which they were edible but inelegant. Back to the tried and tested Nigella option.
    Originally posted by redofromstart
    Ooh... does this mean you've made some for me then?

    Hope the fluffy idiot isn't too expensive. I don't suppose you could persuade him to stay inside and compete with the others for warmth instead of going out and causing trouble?
    • MrsChaos
    • By MrsChaos 3rd Dec 17, 9:39 PM
    • 1,958 Posts
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    MrsChaos
    Thank you for the birthday wishes.

    Maybe I'll manage to make Florentines this year. Is the recipe in the Nigella Christmas book?

    Poor fluffy and poor you! Will a visit to the vet be an incentive for him to keep out of trouble?
    • redofromstart
    • By redofromstart 4th Dec 17, 9:01 AM
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    • 3,530 Thanks
    redofromstart
    MrsChaos, I have domestic goddess, p203.
    Greenbee sorry, DS1 ate the wonky ones and I haven't got enough cream left for another batch.
    HHoD yes I think its the future proofing that I am happiest about, for the next three years at least. I will just keep on fretting till it is all signed and done. Hate not being in control.

    Yesterday was chores day, with the backdrop of a chicken roasting for dinner. Made bread and chocolate buns for DS2 while the oven was on, and a fridge bottom frittata for packed lunches. Opened the goose fat and made a lovely batch of roast potatoes with the 'wonky' maris pipers. First sprouts of the year too - yum.

    Vets as soon as I manage to poke his fluffyness into the cat carrier, and then off down the motorway for what might be an expensive meeting with a friend at a fabric warehouse.
    • redofromstart
    • By redofromstart 4th Dec 17, 7:07 PM
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    • 3,530 Thanks
    redofromstart
    The fluffster is sleeping off £80 worth of injections, they were muttering about anaesthetic and stitches so we need to watch him for a couple of days, and if he has to go back book in with the more experienced head vet for a second opinion first.

    Fridge scrapings and rubber chicken for dinner. I had the rest of the cold roast potatoes - yum.

    Has anyone seen any smallish potted Christmas trees? They only had the display one (£13 I think) left in B&M, and MrM had a blueish one but at £35 I left it. It needs to be short enough to go on a low table in the Snug where it is safe from the puppy. Nowhere is safe from the cats
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 4th Dec 17, 7:33 PM
    • 2,246 Posts
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    HairyHandofDartmoor
    Poor fluffster and poor you for having to pay the bill . I hope he doesn't need more expensive treatment .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 4th Dec 17, 7:36 PM
    • 2,246 Posts
    • 10,825 Thanks
    HairyHandofDartmoor
    We've been wondering how to keep our furry moron away from the Christmas tree, he's like a naughty kitten even though he's four years old.

    DH suggested a fire guard, but we don't have one and I don't want to buy one!
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • redofromstart
    • By redofromstart 4th Dec 17, 8:02 PM
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    redofromstart
    Could you cobble something together with (chicken) green wire - try wilkos?

    The cats hump up the tree stem if we put the artificial one up, and then sleep on the 'shelves'. They just steal the baubles if we have a real tree. The stupidest/best baubles are some metal bells with holes in that I got last year with a free BnQ voucher - they have easy claw hook points and they make a splendid noise as you spin them them from one end of the house to the other.

    I just bled the radiators, amazing the difference it makes
    • MrsChaos
    • By MrsChaos 4th Dec 17, 9:55 PM
    • 1,958 Posts
    • 40,332 Thanks
    MrsChaos
    Thank you. I'm sure you've given me a copy of the recipe before, so I'll have a rummage.
    Hope fluffy doesn't require any future treatment and is suitably grateful.
    I've seen potted trees somewhere over the weekend, but struggle to remember exactly where. I was in Lidl, Aldi, Mr M and Mr T, if that helps.
    • redofromstart
    • By redofromstart 5th Dec 17, 8:41 PM
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    • 3,530 Thanks
    redofromstart
    MrsC I've added the picture of the page to your florentines message on Fb. I sometimes just use all flaked almonds and make it the same total combination weight. I'll post my version once I make a reasonable batch.

    I've a man coming about a leak in my kitchen tomorrow, so I have had to really tidy up. I could do with paying somebody to come and tut every so often.
    • doingitanyway
    • By doingitanyway 5th Dec 17, 8:44 PM
    • 2,204 Posts
    • 10,202 Thanks
    doingitanyway
    MrsC I could do with paying somebody to come and tut every so often.
    Originally posted by redofromstart
    Funny Redo. Funny.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • MrsChaos
    • By MrsChaos 5th Dec 17, 8:45 PM
    • 1,958 Posts
    • 40,332 Thanks
    MrsChaos
    Thank you. Hope the leak is sorted soon. I don't think I'll get much baking done (apart from things for presents) until I break up on 20th. Oh will have jam tarts and mine pies on his list (and brandy snaps, if boys get their way) and I'll take the pastry-free recipes.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Dec 17, 8:52 PM
    • 2,246 Posts
    • 10,825 Thanks
    HairyHandofDartmoor
    Could you cobble something together with (chicken) green wire - try wilkos?
    Originally posted by redofromstart
    Good idea we'll try that
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • redofromstart
    • By redofromstart 6th Dec 17, 1:01 PM
    • 621 Posts
    • 3,530 Thanks
    redofromstart
    doingitanyway, I only clean with anything approaching enthusiasm if we have strangers in the house. The kitchen hasn't been this tidy since the oven cleaning man came last year. I should set up an exchange scheme, I tut at their mess, they tut at mine and we all save on the price of a cleaner. I only signed up for flylady at the last house originally as a metre reader turned up announced and I was mortified.

    Anyway, a nice chap has been and has agreed it was the water metre itself leaking which he has replaced FOC. We should get a credit on the bill for the leak, and hopefully some compensation for the water damage to my lovely hand built oak cupboards. Luckily we still have some oak left and can repair the dismantling damage. The dehumidifier is running now in an attempt to dry it out enough for the doors to shut at least.

    I've attempted to move some money round, the emergency fund is at a relatively pathetic 0.5% and it might as well be earning some more. It was with V, and I could have just opened their new savings one but I voted with my feet as it annoys me that they take advantage of the existing accounts by not passing on the increases Worth noting that if you have Halifax savings accounts you can simply 'refresh' them to earn 0.35% rather than the 0.1%, although that is still rubbish compared to what is on offer elsewhere.

    There will be no money going into the emergency fund this month so I might as well try and maximise the interest.
    • greenbee
    • By greenbee 6th Dec 17, 7:17 PM
    • 12,253 Posts
    • 216,249 Thanks
    greenbee
    I'm happy to drop in every so often if it gets you cleaning
    • doingitanyway
    • By doingitanyway 6th Dec 17, 7:41 PM
    • 2,204 Posts
    • 10,202 Thanks
    doingitanyway
    Redo Can I join the save-on-a-cleaner-tutting-circle please?
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • Sun Addict
    • By Sun Addict 6th Dec 17, 8:12 PM
    • 4,732 Posts
    • 28,173 Thanks
    Sun Addict
    Glad you got the leak sorted and that you can repair the oak cupboards

    Hope the fluffster doesn't cost you anything further. Vets bills are extortionate.

    Nothing like a visitor to get you cleaning If Mr SA's sister is coming round I practically redecorate the whole house!
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
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