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40 and Foolish!

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  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    Hello All, I emptied, cleaned and reorganised the pantry. Helped a friend with the business and made £20.

    OH mowed the grass and I helped weed. Too hot to do much else so I have had a bath and shampoo in the coolest water to try to not melt.

    Hope everyone had a good Saturday
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    NewLeaf wrote: »
    Hello All, I emptied, cleaned and reorganised the pantry. Helped a friend with the business and made £20.

    OH mowed the grass and I helped weed.

    Should you be doing all that with a fractured and dislocated rib?? Take care and give yourself time to heal x
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    Hi Happy Now.. The pantry organising wasn't too bad. thanks for caring xx
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    i did a review of my gas and electric yesterday and one rocked in at £686/yr and the other £600/yr.

    I wish I knew what was an average for a 3 bed 2 bath, kitchen, lounge and diningroom house.

    It seems high to me.
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • NewLeaf wrote: »
    i did a review of my gas and electric yesterday and one rocked in at £686/yr and the other £600/yr.

    I wish I knew what was an average for a 3 bed 2 bath, kitchen, lounge and diningroom house.

    It seems high to me.

    That's pretty much the config of our house, with 2 adults and a sprinkling of pets, ;) so pretty similar (although ours is an 1830s built stone cottage so insulation might be different). Our DD for Elec alone is £55 a month, but we've been overpaying and I've asked them to reduce it to £40 which will still cover us. That makes our Elec around £480 a year.

    Heating and hot water is oil fired as we don't have mains Gas, and hob is hooked up to an external Calor Gas (propane) supply. Haven't had to refill the Calor in the 5 years we've lived here (what does that say about my cooking skills) :rotfl:

    We have about 5 tanks of Oil a year for heating/water, and the price of that fluctuates with petrol prices, :eek: so can be anything from £500 to £650 per fill. So, our heat and light total in the year is about £3.5k.

    Dunno if that helps you at all, since it's not really a direct comparison of gas/elec though. :o
  • We have about 5 tanks of Oil a year for heating/water, and the price of that fluctuates with petrol prices, :eek: so can be anything from £500 to £650 per fill. So, our heat and light total in the year is about £3.5k.

    Wow, are you sure no-ones nicking it? :rotfl:

    I have the same number of rooms and my electric is £53 a month dd.
    My oil for heating/water lasts approx 7 months through the summer and 5 months over the winter, sometimes longer - and I like it warm! I pay £80 per month dd. Therefore spending £1600 a yr.
    Debt Free 🍾 since 6.8.13 £31,997
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    It turns out the answer to my problems wasn’t at the bottom of this tub of ice-cream, 🍨 but the important thing is that I tried...
  • NewLeaf_2
    NewLeaf_2 Posts: 2,116 Forumite
    i would like to cut down on my electric, our tv and stuff goes on standby at night
    Mortgage: £280,752/ £262,515.84
    hmrc:£16760/£5,480.20
    evil credit cards: £41,208/ £37,841
    Car: £18,800/£13,101.18
    Weight 13.9/ 12.6 -1 stone 3
    saving for refurb £2000/£700 1 July 2013
  • New Leaf, I read and lurk and just wanted to say

    YOU ARE NOT FOOLISH.

    at all. ok?

    good

    Be careful with your rib xxx
    Nevertheless she persisted.
  • Wow, are you sure no-ones nicking it? :rotfl:

    I have the same number of rooms and my electric is £53 a month dd.
    My oil for heating/water lasts approx 7 months through the summer and 5 months over the winter, sometimes longer - and I like it warm! I pay £80 per month dd. Therefore spending £1600 a yr.

    Hmmm... now you've got me wondering! Maybe I'm over-estimating how many fills we have a year. It just feels like it's every 2 months or so (certainly through the winter, less in summer as heating is off, so just hot water).

    Since I did all my filing yesterday, I'm going to dig out my invoices from the oil people and check.

    It really helps to find out what other people are paying. This is the first home we've had with oil fired heating, so we don't have a comparison.


    NL - you can get devices that you plug in that power everything down when you put your tv on standby. I actually have two and have never got round to setting them up, but I think you have the 'trigger' device (i.e., the TV) and then 'slave' devices. When the 'trigger' device goes into standby, the others (but not the trigger) all switch off properly. I was thinking of setting this up, with my TV as the trigger and everything else on one extension socket as the slave, except the Sky box in case it's recording or updating overnight (so I'd put that on its own socket).
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    NewLeaf wrote: »
    i did a review of my gas and electric yesterday and one rocked in at £686/yr and the other £600/yr.

    I wish I knew what was an average for a 3 bed 2 bath, kitchen, lounge and diningroom house.

    It seems high to me.

    Our's are about £115pm together for house of similar size x

    This forum seems to indicate your charges are about right

    https://forums.moneysavingexpert.com/discussion/501715

    Gx2 x

    Hope the ribs and other things are improving x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
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    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
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