Our beautiful recycled life: a patchworking income, green living, dfw adventure!

starnac

Hi all thank you Greying and DDFW for your kind words. It wasn't too bad. Had to bite my tongue a few times and secretly roll my eyes. A few "Yeah.....lovely" 's too as I had nothing nice to say (and my mother taught me if you have nothing nice to say......) but DD had a lovely time running about in the garden and was shattered on the way home. so I can't really complain. It does make me grateful that DD is not materialistic though.

Been a lovely sunny day here

DedicatedDFW

starnac wrote: »

Hi all thank you Greying and DDFW for your kind words. It wasn't too bad. Had to bite my tongue a few times and secretly roll my eyes. A few "Yeah.....lovely" 's too as I had nothing nice to say (and my mother taught me if you have nothing nice to say......) but DD had a lovely time running about in the garden and was shattered on the way home. so I can't really complain. It does make me grateful that DD is not materialistic though.

Been a lovely sunny day here

Glad it wasn't so bad and that your DD had a nice time too Fancy sharing some of that sunshine it has been pouring down all day here

Pippilongstocking

Waves to all.

Starnac I find things like that hard but your mum taught you well, on the if you can't say anything nice bit we use that phrase here lots sounds like the wee one had a great time and that's a bonus isn't it. Good for you for going even if you'd rather not.

Ddfw - lovely to see you. Hope the throats better? Dry here but grey......hope the bay of e is kind to you.

Haven't caught up yet sorry, Saturday's are exhausting and then are followed by flopping. Dd was playing last night so a trip to town at 10pm was required to picked up, but she had walked 2 miles to the nearest bus to get to town when I was working.

I see lots of you hav popped in, I'll catch up in a mo or two as the pups need a walk

:-)

Pippilongstocking

Oh dear didn't get back on, spent the whole day in the garden and had a lovely big bonfire! Didn't leave the homestead, which was lovely.

Womble land today
Banking to do
Lunch to make
Walk dogs before I go

Hope you're all great today - banks first!

Pippilongstocking

Hmmm appear to have 0 available in one bank? Bit overexhuberant with the pads I think

Whoops.

Some money in other account but dd due out soon for most of it so must keep a 'weathered eye'.

Lol when will I ever learn.

Lemon_Tree

lol hopefully more money will come in before it starts going out.

it's a bit church mousey here as well this month, still getting used to higher mortgage payments and the overwhelming urge to do things round the house and thereby spend money.

DedicatedDFW

Hi all - can see there's a few of us trying to manage the fine balancing act which is money - spending enough to do what we want whilst still getting the bills paid!

Pippi are you nearly debt free now ? I know that it doesn't really show in your sig but i see you posting about paying captain and another thing ? if i'm right :undecided Just wondering if thats the reason for the 'exuberant' PADs Am sure all will be fine if you just keep an eye on the accounts as you say x

I'm also pushing for a bit of a simpler lifestyle - i want to be able to relax in the garden when the weathers nice or tend to the veggies growing or cook / bake something or crochet rather than rushing about tidying because of having so much 'stuff' Not sure how to go about this one to be honest - especially as i have the drastic and unaffordable (just now) solution of moving to a bigger house :rotfl::rotfl::rotfl: - we are only in a little cottage here and how i long for a craft room! But then i'm sortof ashamed to admit that i have quite a number of handbags taking up precious storage space My fella pointed out that as i can only use 1 at once then i only need 1 handbag :eek: I have recently purged them but this only means they fit more tidily in the same space what to do ? I only sorted them out again as i *need* the money and have been listing away on the bay of e - now i'm wondering if i should be listing more and maybe just having 1 or 2 bags :think: Does anyone have any rules for decluttering at all ? I feel i should be more thorough with everything than i am being

Other than this i'm still battling to be debt free and then of course its onto the mortgage overpayments. I'm still looking for a new job - there is so little available and as i don't want to do the same type of job i'm doing now i think its even harder as am sure people with experience and the skill sets are applying for the same things. Have to keep believing that something will work out x

pippi - how are you feeling now ? i know you mentioned feeling flat the other week - hope you're ok and starting to feel more like yourself x

Pippilongstocking

Hey up lt I know that feeling of being in a new place and trying to get it sorted x you'll get there

Dfwb - decluttering, hmm I don't know the rules! But I reckon if I had less hats they'd become more important to me and I'd be less likely to keep lsin them! It's a tricky balance isn't it?

If you find te answer let me know.

Debts - the exuberant payments are really due to the fact I have pretty irregular money coming in and most daily spends go on cc's so when the money comes in I tend to put most of it to the cc's. When I started on MSE I had c£35k debts and little income....

I'm no where near debt free

Balances are:

The captain cc (highest interest) - £2053 (£3100 limit)
Lucifer cc (less interest) £950

(cleared lucifer last month, then promptly paid fr two flights south (one claim able back) and 4new tyres......

Overdrafts - 2, both with £1000 limit
Rbs (free) - balance minus £995 (overexhuberant pads!)
Lloyds (not free, £5 month charge + interest) balance minus 901


No loans except student loan of £14k and penguin chops (2145)

Total debt - £4899 + 14k = 18899 + penguin chops (2145) = 21034

I'm only really actively working on the 4899, penguin is 0% and a low priority but before student loan.

Outstanding invoices
College >£300
Frog lady - £190
Wombles -£1400
Nice dr garden lady -£60

Pippilongstocking

The vague plan

Pay off captain (highest interest)
Then lucifer

Once paid use these for everyday spends and clear each month

Pay off lloyds od and get rid of it

Pay off penguin

Pay off Rbs free od but keep it

Pay off student loan

lucielle

Sounds like a plan Stripes. Brrr cold here today, what's it like with you?
L