Further financial faux pas and even more disasterous decisions

moo2moo

Hi beanie,

Yes we have a mortgage but its a flexible current account linked eggs in one basket slap anything and everything on it one so anything left each month drops the balance and affects the interest. So the "interest" on the SOA is the amount the bank charges for that. Whenever we extend or buy a car or go on holiday or do anything major the overall amount owed to the bank goes up. Its a bit of a balancing act making sure we don't spend more than we earn each month. There was a time when each and every month the amount we owed to the bank went up each month, sometimes by a few pounds, sometimes by a few hundred and for one god awful year it seemed to increase by a thousand pounds between statements.

Thankfully that patch of our lives is firmly behind us and staying that way. It does mean we have no savings whatsoever as everything goes directly to the bank each month. It also means that any little splurges are immediately charged at whatever the current mortgage rate is until the point he amount is cleared which is an incentive not to splurge although it is far far too easy to do. Technically we've consolidated everything against the house which is very dangerous territory to be in but we're there anyway. We've had the mortgage forever. Initially it was interest only and had been that way for 15 of the first 30 years of its term. Hate to think how much we handed the bank. On a very positive note it does mean we have an endowment policy which will eventually give us a lump sum, no where near big enough to clear the original mortgage but hopefully the mortgage will be long gone before thats paid out or at least thats the plan.

moo2moo

DD1 ran out of soya milk yesterday morning and was less than impressed at me adding water to the empty carton and shaking. Purchased three more cartons, cow milk for DD2 who hates the taste of soya and dog food spending £4.85 but warding off the trip to the supermarket for a wee while longer. Will have to go eventually though as I'm not prepared to improvise toilet paper, once was enough. Spent six weeks roughing it in Southern Africa a very very long time ago and improvised a lot of things. Leaves are surprisingly effective albeit cold, stones are painful (but common place in Saudi Arabia and other Arab nations) but theres nowt like proper western style loo roll.

OH spent the evening teaching DD1 to latch hook. She got a kit two years ago but didn't have the co-ordination to do it. Seems that now she does as she was attempting to get out of going to bed so that she could demonstrate her new found techniques. Dispatched them all to bed at 8pm with the intention of reading a chapter or two before turning their lights out and going to bed myself. Eventually made it at around 11pm having finished a most excellent book by David Baldacci. Now absolutely shattered. Only five days to payday! and the next installment of the next school trip. Bah.

mooomin

Crivvens, I thought I'd lost you!

*subscribes*

Tesco_points_addict

Blloming ek woman, you started a new thread without telling us!

Well found you now, keep up the good work!

TPAx

honeybear_2

flying_fresian wrote: »

Crivvens, I thought I'd lost you!

*subscribes*

What she said!

WorkingHardDFW

:cool:Found you again - just catching up!

makeup

Hey Moo,

Can't believe I almost missed this thread *gulp*


I'm gonna be 35 in November so we should have an MSE party!!:rotfl::rotfl:

Looking forward to keeping up with your new shiny thread

xx

RosaBernicia

Happy new thread Moo :T

(from a lurker )

Rosa xx

Intergalactic_Floozie

Another one who is 35 this year - but I'm older than the lot of ye, mine is in June

moo2moo

I'm sure I've got more grey hair than the lot of you though.

Declined last nights invitation to go to a school fundraiser at a local health spa. Mostly because it wasn't starting until after my bedtime but also because the idea of a manicure or even a hand massage is farcial. I'm currently sporting six plasters and a very fetching dozen or so manky green scabs on my hands. Where there isn't crusty dried on blood theres very dry cracked skin. My boss though did fall about laughing as the suggestion was yelled over the fence and said if they could transform my hands he'd gladly pay himself. It would be worth noting that we were both covered in a layer of sawdust thanks to a circular saw having spent the past four hours armed with a vast array of crowbars and very big hammers dismantling a rotten disable ramp. T'was most fun and very therapeutic. Did have the usual dumb parents though. One by passed the open fire exit, two skipping ropes 9improvised barrier) and several stolen traffic cones in order to step over an assortment of power tools, cables and random debris in order to balance precariously on a few exposed but rather rotten looking support beams over a 3 foot drop in order to use the door she usually uses. The award from idiocy goes to the teaching assistant who opened the door to see how things were progressing and walloped the boss on the head with it. All thats left is to put the non-slip surface down but that requires an hours wait between painting it with gloop and slapping the top surface down during which time someone is guaranteed to step in the gloopy stuff and walk it into the carpets. Aaaah.

Didn't do any of the things I usually do at work on an evening so will be haiving a fairly mad morning. In theroy we're going to have another go at installing the greenhouse but its minus four again and we're haing a wooden playhouse delivered which needs erecting. Also had some helpful person break a toilet although theres minimal chance I'll have time to fit that in today too. Will be tired but happy by bedtime.

On a very positive note I get three whole entire hours overtime paid at my usual hourly rate which means an extra £8 or so in my pocket and I get to slope off early on Friday to make up for it, or at least I would if there weren't so many other things to do.

OH spent yesterday morning at the beach with the hound. He seems a little more positive about things which makes life more pleasant for the rest of us too.

Managed not to spend any money at all yesterday purely because I didn't go anywhere or do anything. Expecting a coal delivery today and need to pick up chicken feed so no doubt I'll make up for it by spending like a loon today.

Still haven't bought any bubble bath or shower gel or liquid soap and I don't smell yet either.