MFW Diary.....before moving in!!!

LauraWxx

Thank you gg...it certainly did that!!

Yep spreadsheets are coming on...def needed if all the savings are going to be lumped in together for a while!! Thank yoU!!!

LauraWxx

afternoon all

Not much to report here...busy with work still, also got a load of uni work to do for tomorrow...so glad my course ends in January as it really is getting too much to cope with.

NSD yesterday and same again for today.

Loving the fact that my cc is cleared even if it does mean my savings have taken a hit. It means i should be starting the new year off relatively cleanly with all the payments being the same as they will be after a couple of months.

BF bought me a sushi book I had asked Santa for yesterday...I think he gave it me early so he could get me to make some before xmas and he has kindly offered to be my guinie pig:rotfl::rotfl: how kind of him!!!

Going to plan to do sushi the week after next I think, cant think of any big expense that week and I will need to spend a fair bit for the first shop to get all the seaweed, rice, vinigar etc (plus the fresh fish) that should then see me through a few batches of it!

Payday is looming...next friday..i do miss the days of being paid on the 21st but at least now I have all my money budgeted so have no sense of dread over the xmas period and for January. Only a few years ago I would be spent out by xmas eve and then be really struggling in January to find even petrol money.

More spreadsheet playing to be done to finalise how much the bf will pay me as part of his 'board' and also to decide how to progress with savings.

Quick tot up looks like I should have £500 spare at the end of November pay. Am going to whack this straight over to my savings but I do know that I will go in to it to some extent over the xmas week...a fair few nights out with money to be spent!!
However i am going to budget a week ahead and budget for the overspend rather than just taking out bits as and when I need them...hopefully this will mean I don't spend all of the £500!

Chased up management company who are still yet to take over the block of apartments where I live, they should be taking over at the end of the year but cant advise on weather we will have to pay all of 2013's management charge (just under 1k) upfront in January. I have stressed the point that it really is not very good to be leaving it so late and little notice but it seems to be falling on deaf ears :mad::mad:

Best get back to work...had a little break as I have been troopering along all day but the work is beckoning me back :(!!!

LauraWxx

hi all, a few days absence for me...been ill the last few days. NSD's since Tuesday..no weekly money withdrawn yet, just petrol paid for (which I put on credit card to earn tesco points but then pay off online straight away).

Still off sick today but am feeling a fair bit better...got a bit of work I will do from home, but just spent the last hour updating spreadsheet with all xmas pressies on...we are pretty much done...woohooo!!

Dont my nectar searches...didnt realise they had increased the limit on the amount you can collect from the pc ones, not just the mobile ones.

Petrol saved by no work but heating been on all day at home so prob evens itself out.

Hopefully will feel well enough to go swimming later...feel like a bit of a captive in my flat!!

LauraWxx

Hi all...well what a rubbish few days it has been here. Got over the sickness bug by late friday but that was kindly replaced with cold / flu type symptoms...managed to get some wonderful tablets from morrisons on Saturday which are for cold relief and aches (my neck and back were killing) and have to say they are the best thing I have ever taken.
However then Saturday night I managed to spill boiling water down me which has scalded my stomach and the skin immediately peeled off. Bathed it and just went to be Saturday night and then when i got up to go to buy some dressings etc for it on Sunday morning i found I had a flat tyre. :(:mad::mad::mad::mad:

So £122 later for a tyre (pretty convinced I was ripped off but as a Sunday and no where else was open I didn't have too much of a choice) and then this lovely weekend was capped off with a blazing row with my bf :mad::mad::mad:

All sorted now..he has apologised and I have forgiven him, the burn does not hurt and I am changing dressing /applying germoline often. However I will still have to find the £122 out of next months pay (as in Friday) as I whacked it on the credit card and dont want to leave a balance on it.

Cant see savings for November pay happening at all to be honest...i need to sit down and have a really good plan of what we are doing and how much things are costing but within just a week we have 4 meals out (well one is a takeaway but still). Oh well I suppose it is xmas...and at least I am only using money I have (rather than saving it) rather than racking up debts etc which i know so many people do. I honestly think though if I was a bit older and more of my friends owned there own home / were more money sensible we would not have so many doo's to go to. It will be ironic though because the people organising the meals and nights out are the ones who will be throwing the cash around on the night, but moaning early january that they have no money and have to rack up credit cards...one friend even does pay day loans...i have tried to talk her out of it, even lending her money on more than one occasion but does not get through.

Oh well....sorry guys that has turned into a bit of a rant.

Looking forward to Wednesday where I can start a nice shiny new spending week....think we are going to decorate the hall this weekend instead of leaving it till xmas, have most of the stuff only need some paint but do have a £10 b&q voucher so that will reduce the cost of it. Also all xmas shopping is now done...including wrapping paper and special cards so I don't need to worry about that this week.

Hope all are well....and a bit cheerier than me...hopefully normal positive service will be resumed shortly!

quintwins

wow what and awful weekend, hope your burn is ok, i did that making my mum tea when i was about 7, yeah theres a reason kids shouldn't be allowed to make tea, yeah i think you were ripped off i got 2 new tyres last week for £100, could they not have patched it? a patch is £12 here and would have done you til you found some cheaper ones. I'm not suprised you and bf had a row after a stressful weekend like that the tension has to come out somewhere but atleast your all sorted now.

Err no some of our friends have houses ect and they still want nights out, you shud invite them over for meals in the hope that next time instead of a night out they'll return the favor.

We have a wee rule in this house, we save like made all year but in nov/dec/july we ease off thats the kids birthdays and xmas, hubby has a fortnight off in july and 10 days at xmas, these are paid holidays but we always end up spending loads, this month i'm trying to not cancel my dd to the savings, but it's my bare minium savings the rest is a bonus.

LauraWxx

they said they couldnt fix it...it had a nail through it:mad:, which to be honest I believe, but no way could they not get a cheaper tyre, or if not I would of been able to ring around and prob get a better price...but not many of the usual places were open as it was sunday, didnt want to drive it back home and then out again this morning and to be honest the way I felt I just wanted it sorted. Not impressed...what i am going to do however is find out in the next few weeks what tyres should cost and where is best to go for them so next time I am more prepared.

haha i have already switched a couple of nights to nights in and cheaper alternatives...hopefully it wont be too painfull to spend the money...dont mind if i enjoy myself but sometimes you end up going to things just for the sake of it....not this year!

I am going to take a leaf out of your book and ease up a little bit in terms of November pay...and make sure i do enjoy myself and do not scrimp too much on the people important to me.

Only thing left to decide is what to do NYE....this decision will run on till pretty much the day I am sure...the bf is not the best at making decisions or planning!!

Going to put the tree up this weekend I think....will be nice to get all festive!!:xmastree::xmassmile:rudolf::santa2:

Mortgage_Reduction_Novice

Hi Laura,

Just checking in. It sounds like you've been doing a lot of thinking an planning lately - it's a good thing.

LauraWxx

hi MRN, i have indeed been planning...looking forward to the New year when we can get all the plans put into action!!

Mortgage_Reduction_Novice

LauraWxx wrote: »

hi MRN, i have indeed been planning...looking forward to the New year when we can get all the plans put into action!!

... and stick to them!

LauraWxx

1st part of the savings plan done - ISA opened for the 2012/2013 year (naughty to have left it so late I know but have only just been able to commit the money to lock away). Anyway have filled it straight up. Got a great deal which is 3.3% for 2 years. Only this years allowance but means the £5640 I have transferred should be worth £6018 in December 2014.

Working through savings plan to ensure the money is making the most of itself and to set my targets for 2013.

Will post full update / plan once all fully decided upon.

The spreadsheet is getting more and more columns!!! :D