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  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic


    :o


    ... and that's all I have to say about that.

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Fortune_Smiles wrote: »


    :o


    ... and that's all I have to say about that.

    Fortune x
    Oh dear. 'fess up :D.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Taps foot.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 1 March 2013 at 11:55AM
    Details of Bluewater Gate coming up. It's never as bad as I think when I write it down so I hope that applies this time.



    General MS:
    • Mr F's pay day yesterday so did the monthly money shuffle
    • no money for saving sadly but we have managed quite a lot of additional costs this month:
      • £128 professional subscription cost for Mr F (he'd forgotten to tell me about this one so it wasn't budgeted for)
      • £129 servicing costs for both the Landies
      • paid for the holiday in full - £1250
      • paid the remaining cost for the landing curtains - £244.08
      • bought the extra brass curtain rings for the dining room - £95
      • budgeted for picture framing - £53.10
      • bought a new dress shirt and cumberband for Mr F for the ball on Saturday - £63.50 (went through TCB)
      • filled the wine rack - £100.86
      • got Mr F's dinner suit and a few other items dry cleaned - £36.83
      • OP'd £79.98 - didn't realise I was only 2p short of a round number! Booger.
    Blimey! Some loaves but a great deal more lillies this month. Happy with the home improvement stuff as this is one of our goals. I've only included things that weren't budgeted for and nothing covered by our personal spends. However, looking at the whole picture I can see we've spent a lot on clothes this month. No wonder there's nothing left for saving.



    Then of course, there's Bluewater:
    • I drove which works out about £13 for the trip
    • DC bought coffee and snacks when we arrived
    • found a fab strapless bra so I can wear an existing dress to the ball on Saturday - £36.00. Did shop around as far as I could but couldn't find it cheaper elsewhere
    • replaced 1 C1n1qu£ product which I'm almost out of and bought a new lipstick which wasn't needed but entitled me to the bonus gift which I can sell on Fleabay to cover the cost
    • went to Av£da to get the conditioner and shine spray I've run out of - £36.50 and I used a £10 Hous£ of Fra$£r voucher I'd earn't doing surveys. I've been trying alternatives and to use up other products I have but my hair has been getting really tatty and flyaway. DC had her makeup done free and I got a free hand and arm massage whilst waiting. We got a free detox tea as well
    • we both signed up to a special event Av£da are having on Saturday. Cut and blow dry for £40 and you can then redeem that £40 against products on the day. Even with the fuel cost of going back that's a much better deal than my current hairdresser and I'd intended to book for next week anyway
    • lunch at Caf£ R0ug£. I'd looked up the restaurant beforehand to see who had the best deal. They had 40% off food plus I had a £10 Le1sur£ Voucher to use. We had a glass of bubbly, a main and a desert and paid £10 each on top of the voucher
    • £15 for a necklace to wear on Saturday
    Ouch! It is as bad as I thought. But, if I had the chance to go back and change things, the only thing I wouldn't buy would be the shine spray and only because I think it might make my hair a bit greasy. So that's my personal spends exhausted for this month and it's only the 1st! My bad.

    March's pay day should see a nice chunk going into savings as we don't have many big extraordinary costs. Mr F and I both have birthdays but I'm going to try and be a bit more frugal about those.

    Feels like the money has gone a long way this month even if most of it has been spent on lillies. Hopefully, I'll be a bit more thoughtful about March's spends.

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ... £155 :o But pales into insignificance against the rest of this month's spends :o

    I know, it's money we've got and we're not getting into debt but I it doesn't feel quite right now I'm more MS aware. Going to give that some thought.

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Just remembered...
    • got free travel size shampoos and conditioner to wash my hair with before going to Av£da - worth £9.75
    • did take some money out of the savings to help pay for the holiday
    • Cl1n1qu£ lipstick will have to go back. It's full of bits of glitter and it's making my lips sore.
    I was feeling really tired and demotivated this morning and then realised I hadn't taken any thyroxine yesterday :eek: so it's no wonder. Have also thought about what I would say to someone else in my position on the forum:

    It's your money which you have earnt through your own work so don't feel guilty about spending it. You don't have any debts apart from your mortgage and it's your choice to overpay. Don't worry about posting honestly on the forum. The forum is for everyone whatever their situation so use it how it best helps you to stay on track with money saving. It's ok to have a splurge every now and then. Enjoy your good fortune while it lasts and find ways to help others who aren't so lucky.

    There - that's me given a good talking to. I will stop feeling guilty about these good times. I will enjoy them as they may not last for ever. Still - it's an NSD for me today.

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • megela
    megela Posts: 755 Forumite
    Ninth Anniversary
    I need to apply your words of wisdom to myself as well - I feel so guilty about spending money at the moment.
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • Barbeduk
    Barbeduk Posts: 869 Forumite
    Tenth Anniversary 500 Posts Combo Breaker Debt-free and Proud!
    Have just read some of your diary and your words of wisdom made me smile!

    You also reminded me that I keep forgetting to claim a refund from the business from December :eek: so I will be doing that now!

    Also loving the idea of selling the c!ini@ue freeby on ebay, which is an idea I'm definitely nicking for future use, so thank you!:)
    Make £2020 in 2020 £178.81/£2020
    SPC 13 #51
    Feb Grocery Challenge £4.68/£200
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    megela wrote: »
    I need to apply your words of wisdom to myself as well - I feel so guilty about spending money at the moment.

    Hi Megela. I worry about upsetting people who are struggling financially when I write about my indulgences. But then no one has to read about them I suppose. As long as we're not hurting anybody (including ourselves) then there shouldn't be a problem.

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Barbeduk wrote: »
    Have just read some of your diary and your words of wisdom made me smile!

    You also reminded me that I keep forgetting to claim a refund from the business from December :eek: so I will be doing that now!

    Also loving the idea of selling the c!ini@ue freeby on ebay, which is an idea I'm definitely nicking for future use, so thank you!:)

    Thanks for dropping by Barbeduk. Feebies sell well on Fleaby - I always manage to get the cost of the 2nd product back.

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
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