Yet more financial faux pas and many other disasterous decisions

moo2moo

It's January madness time.

I've been thinking, which is never ever a good thing.

It's a year since I opened the 8% savings account into which I have religiously paid a third of my salary each month. I've also bunged a considerably smaller amount to the great glass window fund each month so its kinda surprising to find that my bank balance is still healthy. More surprising was the realisation that I haven't touched my splurge account for a couple of months and thats healthy too. All of which leads me to wonder whether I could reduce my hours at work, not that my boss would go for that... which means more drastic action is required. Going to see if I can cope with bunging 80% of my salary into a savings account each month so that a year from now I have a sizeable emergency fund behind me and can quit work completely. Bonkers? Possibly! I suspect the OH will be ecstatic. He hates having to cook dinner every night.

Might see if I can work minor miracles and finish at the end of the summer term which would give me the entire summer holiday with the demonic daughters. Told you it was bonkers. Exciting though. I've had enough of cleaning bogs for quite some time. Will have to figure out what to do with the week, theres only so much cleaning a gal can do and I know from the last time I was a full time mum I get bored very very easily. I suspect I could quite easily fill the first year redecorating

moo2moo

and so the powers that be aligned the fates in such a way that something else has cropped up nudging things on apace and so my boss has provisionally agreed to reduce my working week by 2/3 to 10 hours term time only from Easter. Eeeeeeeeek but equally :j:j:j:j:j:j:j:j:j:j:j

I forsee much MSEness on the cards in the not too distant future. On the bright side I won't be earning enough to pay tax or NI, whilst still putting a pathetic amount into a private pension, so my income will be less than that of the current state pensioner.... have a cheesy beaming grin from ear to ear and plans to actually grow something in the weed infested wasteland that is our garden. Actually I already have more plans than there are hours inthe day.

Baldybear

Woohoo sounds like a fab plan Am not jealous one bit, ok maybe a teeny bit :rotfl:

Igamogam

Can you throw some of that positive alinging thingy this way plesase Moo..........I broke a mirror at the weekend and today I put 18 L of petrol in a diesel car - only driven diesel for more than 20 years so why I had complete brain freeze I do not know.......lets hope this sisnt the start of 7 years bad luck

beanielou

Looking good

RosaBernicia

Woooooooooo :j:j how fabulous. You'll find loads of stuff to do and it will be much more fun than work

Rosa xx

moo2moo

Its the loads more fun bit thats nagging at me. Usually fun = spending. Not always a lot but enough.

At the mo the mahoosive life change is only a temporary one, my boss has agreed to it for 6 months, I figured that in itself was a minor miracle so I wasn't going to argue too much.

The OHs boss has helpfully decided the OH needs to do some long term training which involves a change in his hours thusly causing major childcare issues which is probably the only reason my boss has agreed, not that I'm complaining.

I'm waiting on something materialising in writing but I fear that may be a rather last minute thing. Will formalise my request next week in the hopes that two months notice is enough time for payroll to reduce my income otherwise I'll end up with a bank account full of money that isn't mine.

Its exciting stuff but also just a little bit daunting. Am already going ooooh the "insert random object here" is on sale at 20% off and I've fancied one of those for aaaages followed by the realisation that 6 months from now I won't have any spare cash so spending frivalously now will be detrimental in the long run. Most irritating really but I'll survive.

Am now knitting myself socks because I am that sad and pathetic a person I have two cats and a much loved spinning wheel so am already well on my way to mad cat lady status.


OH is panicking that I'll devote all my time to knitting and the house will rapidly fill up with random knitted objects. Its worth considering just to annoy the heck out of him, that way when he appears from the shed with a bit of shiny metal I can say yes dear, look at the loverly doorstop I whipped up earlier.

moo2moo

Igamogam wrote: »

Can you throw some of that positive alinging thingy this way plesase Moo..........I broke a mirror at the weekend and today I put 18 L of petrol in a diesel car - only driven diesel for more than 20 years so why I had complete brain freeze I do not know.......lets hope this sisnt the start of 7 years bad luck

Tis a well known fact that adding petrol to a diesel makes it easier to start in winter, admitedly you got the ratio a bit wrong but its the thought that counts.

Igamogam

moo2moo wrote: »

Tis a well known fact that adding petrol to a diesel makes it easier to start in winter, admitedly you got the ratio a bit wrong but its the thought that counts.

All worked out OK Local garage siphoned off and has kept the 'mix' in gerry ( jerry ??) cans for me cos I can still use it and only charged me £96 The road side assistance service quoted me over £200 - and that was just to tow it and siphon off fuel:eek: Hopefully all good now. Lovely socks BTW

MatyMoo

Igamogam wrote: »

All worked out OK Local garage siphoned off and has kept the 'mix' in gerry ( jerry ??) cans for me cos I can still use it and only charged me £96 The road side assistance service quoted me over £200 - and that was just to tow it and siphon off fuel:eek: Hopefully all good now. Lovely socks BTW

That was very cheap :T Cost my sister £300 :eek:

Well done on dropping your hours Moo :j:j:j