June 2010, 80 payments to go............

[Deleted User]

hey tootallulah
good luck on the kitchen/bathroom decisions- seems a lot of us are getting things done right now!
no other suggestions as am struggling to pick anything myself .. underfloor heating sounds lovely!!! oh and I know a couple with the sparkly granite tops very pretty- but think Id be scared of putting anything on them - too nice!
well done on the NSD!

greent

My granite is now 4 years old and is great - I clean it with just hot soapy water and dry with a microfibre cloth. I even use scourers on it :eek:(we have hard water and it does get deposits by the sink) It's looking lovely and shiny right now

tootallulah

This week-end I will do a proper review of costs and see where I am and what I can really do in the remaining funds. All of my windows are rotten and having them re-made as double glazed sashes in the original frames is very expensive but it has to be done. Granite work tops are receding beyond the gaze of a telescope...........I have four months of 0% left on my credit card so it is full steam ahead for that to be gone by February. Then I will "just" have the mortgage to hit next year.

tootallulah

Coffee £2. The good news of today is that my mortgage rate has come down (at the end of a fixed rate period) my interest will be reduced by £200 per month. Even more reason for paying down as much as possible whilst the rates are good. So my big aim is to have paid off my barclaycard by the end of January rather than the end of February which means getting my act together now. I want to pay £25k off the mortgage in 2011 and that looks do-able if I carry on being vigilant. Next week my £10 per day allowance goes down to £8. The daily money seems to work for me rather well I have not overspent and most days there is a bit of cash left over for the money box. I am off to San Francisco for a conference soon and I need to build up some cash reserves to have a good time there.

museumworker

Great news on the rate reduction - we are fixed until Feb 2012, feels like ages away! What a great target for 2011, good luck.

Is the £8 per day instead of the weekly budget - do you find it works better daily rather than weekly?

Conference in San Francisco - sounds amazing, you lucky thing! My last conference was in Birmingham and Coventry :rotfl:!

CathT

oooh San Francisco, would love to go there. I think everyone is having a new kitchen except me <sob sob>

Fab news about the rate reduction, it makes such a difference!

tootallulah

Hi Both, good to see you. I am very lucky with the conference as the hosts are paying me to go so I have taken an extra two days at the end for a treat. San Francisco is one of my favourite places, beautiful and laid back with some of the greatest second hand shops I have ever found.

My lovely neighbour knocked on the door at 8.00 this morning and asked if I wanted a lift to the big supermarket. Too good an opportunity to miss I spent £39.79 and have stocked up with all the big and heavy stuff plus 10 lots of deodorant at less than half price-that should last a VERY long time.

I am making: pea and ham soup, tomato soup and minestrone soup. One lot of chopping and a slightly emptier freezer for the results. I'm not going out today so it will be a lovely sorting out and slobbing about day, always good for a change. I have had four corporate events of varying types this week, it makes me long for a day at home.

tootallulah

Nipped into work for a VIP visitor and now I am searching for the instructions of how the heating thingamyjig works as it is quite cold and I would like to put the heating on. No spend day today.

tootallulah

Tragic woe, I did find the instructions for the timer, I re-set it and still no heating. I need to do some more checking this evening, the hot water is fine so I am praying it is just me rather than a problem with the boiler. I am working the next seven days, then I am off to San Francisco for a week so whatever happens I can't get a heating engineer in for a couple of weeks. I hate the heating not coming on at the touch of a button.

SmlSave

Hi Toot, hope you get the heating sorted.