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Sepa seeks freedom
Comments
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Sorry to hear your news
, glad you have some good memories together to enjoy.
The olympics volunteering sounds great, I hope you enjoy it. I'd love to do something like that.Mortgage [STRIKE]16/03/2011: £190K 01/01/2017: £107,729.65 [/STRIKE] 01/07/2017: £95,979.89
OPs 2011-2016 = £45K 2017 OPs = £9250.200 -
Sepa, I'm so sorry to hear about your friend, that's really awful.....
Take Care, L0 -
Hi all,
I've done my monthly accounts, and had a £50 surplus. Yippee!! I'm amazed, Jan was a shocking month. I also found the £1000 that I mislaid (!) as expected, I spent it in New York. Amazing what one can spend in 6 days!
This week has actually been an OK week. I had three NSDs, and on Tuesday was at a conference, so will be able to claim most of that back.
This weekend I am doing my accounts! My VAT is due at the end of the month, so they have to be done this weekend or my accountant won't have time to get the details back to me in order for me to pay them....
OK, better stop procrastinating and get on with it!Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)
Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)0 -
Sorry to hear about your friend, that's very sad...
Well done on your NSD's and for the surplus :T0 -
Sepa, sorry to hear your news and the neighbour problems.
I don't think people realise how much their noise affects others around them. Hopefully you've found a way to get around it so that it doesn't wind you up too much..Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.0 -
Thanks Shala and Macgirl.
Yes, I'm amazed at the surplus, as January felt a very expensive month indeed, particularly with my birthday in the middle of it!
The neighbours have improved, thankfully. I think the sister-in-law and family may have been asked to not stay around as much, and also that the father has been away. There has been a small amount of noise since, but nothing like it was that day!
I'm still pretty much looking after the sister-in-law's cat. I am keeping him inside on these icy nights, and of course feeding him! I'm giving him old stocks of food I have sitting around that either my cats can't eat for medical reasons, or they refuse to eat (my black cat is getting fussy in her old age), so I haven't actually spend any money on him yet.
I forgot to post my MFW 2012 update yesterday, so will go and do that now. I have managed to save £349.55 this month, including the small surplus. It's good, but if I keep averaging £350 this way, I won't hit my £5K target, so I'd better get my skates on!
The Council Tax free months will help - that will be nearly £200 to go on the mortgage :jBorrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)
Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)0 -
Hey Sepa, I'm so sorry to hear about your friend - it's hard when people who mean things to you get ill and pass away.
Well done on your surplus and your January op though. There's lots of time to improve your ops - January always ends up being a difficult month.
Many hugs, Caz xRule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.0 -
Thanks Caz, I appreciate your kind thoughts.
Well, this week would have been a better week apart from two blowouts - I bought a couple of cat feeders, which will give me a bit of freedom to be away from home for a night without having to ask my neighbour to feed them. She never minds, but I wouldn't like to take the risk of asking her to do it at short notice and find she can't for whatever reason. My existing cat feeder only works for dry food, which they don't eat now.
I went through quidco, and because the order came to over £29, the delivery was free.
The second splurge is that I paid off the balance on my sculpture. Yippee! I can have fun this afternoon working out where to put it to showcase it
I have had a couple of pieces of good news on the MS side! I have ordered the kitchen and bathroom floors today, and it came to significantly less than I budgeted for - £725 vs £1000. This might sound like only one piece of good news, but it's actually several - I had intended to go for a much more expensive option (amtico or karndean) but didn't like any of them went for vinyl instead. I estimate it will only have a 7 - 10 year lifespan, but will still cost a fraction of the other two options.
So my bathroom has come in under budget (£5659 vs £6000) rather than over-budget as I had been resigned to, AND it means I can now afford to get my fence replaced sooner rather than later
So that is a very convoluted reason why a single piece of good news translates into lots of feel-goods!
I only had 2 NSDs this week as I went to the pub on Tuesday with a (single) colleague. Although I am not officially single, my bf (yes, we're back together... at least for the moment!) is still working all day and night in Birmingham :mad:
If anyone's children are so foolish as to want to become engineers, steer them WELL clear of the construction and rail industries.
I hope everyone else has had a good MS week.Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)
Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)0 -
Well, I have just had an interesting experience playing veterinary nurse to the cat that is in the process of adopting me. I noticed a couple of days ago that the fur on the top of his head was quite matted, and I also noticed a strange smell about him, but today I realised the poor thing has a nasty abscess on the top of his head!
It was horrible and full of pus, and of course that is what the smell was! I'd drained it as much as I can and bathed it in salt water. I'll leave a note for the people upstairs to say that he needs to go to the vet, but I bet they don't do anything. I'll just keep bathing it and hope it heals. I don't really want to have to take him to the vet myself, although I will if I have to, of course. I'm such a sucker!
I forgot to say I got my quarterly mortgage statement. As you can see from my sig, my balance has come down just under £800 in the last month, while the offset account is saving me a little under £100 in interest every month. I feel like I am starting to see real progress!Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)
Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)0 -
Well, I have just had an interesting experience playing veterinary nurse to the cat that is in the process of adopting me. I noticed a couple of days ago that the fur on the top of his head was quite matted, and I also noticed a strange smell about him, but today I realised the poor thing has a nasty abscess on the top of his head!
It was horrible and full of pus, and of course that is what the smell was! I'd drained it as much as I can and bathed it in salt water. I'll leave a note for the people upstairs to say that he needs to go to the vet, but I bet they don't do anything. I'll just keep bathing it and hope it heals. I don't really want to have to take him to the vet myself, although I will if I have to, of course. I'm such a sucker!
Oh poor thing. He must really trust you if he let you clean it out for him.
I remember several years ago our dog got an abscess on his back. I just kept cleaning it out for him, and I think I put antiseptic cream on it - just the usual human sort, not any special veterinary kind - and it healed up beautifully until you couldn't see there'd ever been anything wrong. Hope it works out like that for your adopted cat.Starting again 13/4/19Home loan 1: £21,102.50 Home loan 2: £7,698.99Total owed: £28,801.49
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