Mortgage-Free Fresian? Here's hoping!

yukkibear

How do you find your surplus? Is it still there? Does Mr F have an income?

Our surplus without me working will be slightly more than yours, and I can't decide if it's too tight or not. You obv manage and enjoy yourself though.

mooomin

yukkibear wrote: »

How do you find your surplus? Is it still there? Does Mr F have an income?

Our surplus without me working will be slightly more than yours, and I can't decide if it's too tight or not. You obv manage and enjoy yourself though.

My surplus is definitely there. When I get paid, I transfer bills money to the bills account and then send the entertainment, groceries, car and Christmas money to their accounts too (woo for Halifax letting you name savings accounts!) I then have an account for spending/PADding and any surplus goes in there.

It can be tight, but we manage - and I do sell on Ebay/take advantage of Groupon etc for treats. I don't account for clothes/haircuts/dentists in my SOA as if I can afford them I buy them and if I can't I don't. I have dental insurance through work so get anything needed done then reclaim the money.

Mr Fresian doesn't work (he has depression) and any money he gets from the social is his own. He smokes, so mainly spends it on that :mad: but that's up to him to do If he does manage to go back to work then I know he will contribute, as he always has done when he's been working before, so the SOA is mine alone really.

stressedshopper

Hi
I have just seen on the Mr T. rewards site you can exchange tokens for the Crafts for Christmas at SECC.
I think i remember you mentioning previously that you were going & thought this may save some pennies !!!

mooomin

stressedshopper wrote: »

Hi
I have just seen on the Mr T. rewards site you can exchange tokens for the Crafts for Christmas at SECC.
I think i remember you mentioning previously that you were going & thought this may save some pennies !!!

Thanks for thinking of me One of my crafty friends PM'd me the day they became available so I ordered them last night That's £15 of tickets for £4 in Tesco vouchers as I ordered a ticket for me and the friend I'm going with. Woo!

never_too_old

:T:T:T:T:T:T

you deserve that round of applause, you do so well,(soa).Living with someone with depression is difficult my dh was diagnosed with it 6 years ago, he seems ok now but at the time it was hellish,

beanielou

Your SOA looks great.
If I was you though I would get Mr F to contribute a tenner a week.
But I am not you!

mooomin

beanielou wrote: »

Your SOA looks great.
If I was you though I would get Mr F to contribute a tenner a week.
But I am not you!

Last time I mentioned getting pennies from him it made him feel bad for not contributing more and not working and being a burden and so on (the usual cycle that depressives fall into. I'm not being flippant by the way, I've had issues with my mental health in the past)

I'd rather not put any pressure on him.

Besides, he does a lot of the housework when he's up to it

mooomin

Morning folks

Money

PAD/Spends - £87
Entertainment - £19.82
Groceries - £78.12
Loan fund - £1507.95
Mortgage overpayments pot - £67.94
Crafting pot - £90.05

I received £10.80 in petrol expenses today so paid £9.50 for a Sainsbury's voucher and PADded the rest to the loan pot. Another wee bit put aside for Christmas

Surveys

Onepoll - £13.60
Valued opinions - £6.25 with £2 pending
Ipsos - 1070 points
Mysurvey - 340 points
Swagbucks - 359

I'm waiting for a £5 voucher from SB and am hopeful that I'll be able to redeem another £10-£15 before Christmas comes around, as they're reasonably regular. I'm only a couple of surveys away from Ipsos/Mysurvey redeems too, but am hoping that Ipsos hurry up with more surveys for me as they take so long to redeem!

It's free listing on Ebay this weekend if anyone's interested, but I am on my holidays as of next weekend (WOOOO!) so won't be doing that myself. I'll just keep my stuff ready to relist for the next time!

yukkibear

Thanks for that re Ebay, I missed that one.

mooomin

Sold four stamps this morning for £15 (minus Paypal fees) via a Facebook group for people looking to get rid of their surplus crafting goods. I'm leaving the balance in there to cover any future purchases