Our attempt at being MF!!

Secret_Saving_Squirrel

I feel very lazy compared to all of you. We desperately need to do work but can't face it. Good luck with it all.

CathT

Tilly_MFW_in_6_YRS wrote: »

Morning CathT, hope all goes well with your extension. New car sounds exciting too. Lots going on for you - just imagine, won't be long and you'll have a finished house to admire. CH on, snuggled on the sofa and it will be done.

Good luck, Tilly xxxxx

Can't wait for it to be finished. Its going to be worth the few months of disruption

gallygirl wrote: »

Good luck on building work - ours starts next Monday :eek:.

All systems go GG!! Thank you.

Secret_Saving_Squirrel wrote: »

I feel very lazy compared to all of you. We desperately need to do work but can't face it. Good luck with it all.

I'd not bother SSS,keep travelling

60p Tilly tidy, £5 hally reward sent to t3sco cc. T3sco current account should be paid today so will send that as an overpayment once I see it in the accounts.

Still need to read Meter readings which is dh job due to resident spider in the meter box. Am trying to sort childcare out for Christmas period, its no fun when every where is closed and you still need to work! Hopefully sort it through juggling and compromise.

Very glad its Wednesday,found yesterday very stressful and had another bad dream. Really need strategies to switch off from work and leave my stress and worry in the office. I usually use my commute to help with transition but it doesn't work anymore!

CathT

Almost-the-weekend.

£7.29 t3sco interest so topped up to £7.50 and paid off mortgage.

Meter readings still not done!!

25p on y0ugov this morning.

Extension officially started! The joiner was here today starting the garage roof and I can't quite believe it's finally being done!

Spends update

Food. £129.68
Petrol £115.04

CathT

It's the weekend :jj

75p on y0ugov this morning, up to 1350 on there so still on track for 500 a month.

Meter reading submitted and some good credit built up.did have the CH on for about half hour last night to dry some washing but the house got too hot! The washing had been on the line but think I'm kidding myself if I think I can line dry washing at this time of year! We've had problems with the boiler just switching itself off and needing to be reset which happened again. Think it might be time to get boiler cover especially as it's not new anymore (4 years old).

Small food shop and spends updated. Building work is well underway, joiner has worked solidly for 2 days on the roof, declined offers of hot drinks and tidied up after himself. The messy and major work starts on Monday! I am not looking forward to the dust! Lots of prep to do today to get the area ready.

newgirly

Did you say declined offers of hot drinks :eek:

greent

Surely that's unheard of in a tradesman?!?! I'd say 90% of them here seem to have 2 (urgh) sugars in their tea, too!!

Fab news re it all moving ahead!

No CH here - haven't even thought about it yet. Still have summer 4.5tog duvet on too - although have added a throw on top last night. Currently wearing a tshirt - although have progressed to long jeans as opposed to 3/4 Was planning on holding out until Nov if possible - depends if weather turns (has been beautiful here this week)

x

CathT

I was shocked too, I'd bought coffee and teabags for this purpose! (I drink de-caf coffee). Another team of builders here tomorrow so surely someone will drink it? Glorious day here today so hoping to get the last of the washing done.

Went to dun3lm with my £37 and spent £109!! I do have new beautiful bedroom items. Who knew curtains cost £54 :eek: small top up shop done and I've convinced dh we can survive on £37 cash until payday - only 11 days away.I've found we really consider our purchases when using cash.

T3sco interest paid on dh account £6.56 so topped up to £7 and sent as a mortgage OP. Spreadsheet updated and annoyingly it didn't knock a month off! :rotfl:

Flooring reserved online and collected from h0m3base. Just under £200 spent.

The rest of the day will be spent moving as much as we can to prevent it being covered in dust tomorrow!

CathT

What a busy week, I'm sure my evenings are getting shorter! Awake since 4:30am but managing surprisingly well.

To sum up the last few days....
£57.50 on swimming lessons for remainder of term
32p Tilly tidy
£2.60 leftover in bills account and sent to t3sco
£40 made in bookface sales

Student loan statement came through and I was pleasantly surprised to see the balance coming down! A quick play with a spreadsheet shows an estimated end date of January 2029. I factored in incremental payrises which reduced the term to may 2025 and yearly 1% payrises knocks another 2 months off to March 2025.

If I then overpaid the student loan deduction amount off mortgage part 2 it would knock over 5 years off. Potential end date would be march 2034 and part 1 is about January 2029. Thought I might set a target of paying both parts off by December 2028 which means just over 12 years to go.

This has given me some ideas of a new diary title!

CathT

Not much happening financially, one week until payday for us both.

Current spends on food and petrol at £161 - not bad considering we are almost halfway through the month

Building work well underway. Roofers were here yesterday and due again today to finish off. Joiner back on Saturday and we have asked him to do a small job for us that is causing damp/mould issues in the box room.

Builder here tomorrow to put in steel and knock wall down! We will finally be able to see the space we hope the works are going to give us. I'm expecting it to be pretty cold and dusty over the weekend though!

newgirly

How exciting