All change, from now on its.....Sunshine, Lollipops and Rainbows!

DedicatedDFW

Hi pippi and everyone

Very delighted for you pippi - a new house, a new job and a new thread on here :T

I like your plan too for the debt - have you worked out what you can overpay each month from your income so that you have a prospective debt free date ? Sorry but melikes a plan

Lovely to hear you getting pots set up so will have your plants still

Take care and enjoy your day x

Pippilongstocking

Hey there dfwb lovely to see you.

Overpayments, not sure about exactly how much each month until the 'moving' bit has settled.

So far no heating on and we've a condenser boiler so I'm hoping the oil we've bought (500lts=£376 ) will last a while.

I can get free wood from beach walks foraging and work so I'm hoping the wood burner will take the pressure off the oil too

Works quite erratic aside the 'regular job' so I'm using any extra work to pay straight to cc's and clear them quicker, and any left over each month to pay them too.

I guess the short answer is I'm chucking everything spare at the cards but at the moment our spends haven't settled down yet. Smaller house/car and more work I'm hoping means if I keep the small things type habits up then we should see a reduction in debt soon.

Although, saying that, um, we are going away at Xmas too so the adventures budget will need replenished.......

It's all a bit hit and miss for me really isn't it? sounds like I need a new budget doesn't it? Must do that and thanks for the jolt I needed!

Heffi1

You are going great guns Pippi, keep it up, once the new house settles down and you know where you are with the new budget then it should start to make a bit more sense.

Lula-Hula

Hiya honeybunny :wave:

loving the new diary title, also loving rainbows & lollipops & all other cheery, colourful, tasty things :j

Just going to sit in the corner, drink, munch & play with the dogs if that's ok

xxx

stitching_witch

Hello my lovely! I'm going to sit quietly on your kitchen worktop with a cuppa and listen to your ramblings. I may even mutter something back if I have anything sensible to say....

[Deleted User]

Thanks for the welcome- looking forward to sharing your journey.

PS- A woodburner.... how lovely and cosy. One day...when I'm debt free....

MatyMoo

Rodders is nay bad thanks, he doesn't know it but we are getting excited about out first trip north of the border together He is brilliant in the car, settles right down in his crate and doesn't make a peep but his longest journey has been 3 hours and this is going to be 12 over 2 days :eek: He had better love Scotland as much as me :rotfl: I can't believe he is a year old already.

Not such good news on my sister's dog today though, she has been poorly for a while but it has been manageable but it seems she has taken a turn for the worst Medication may give her another 6-9 months but we are not sure that we should do that as she just isn't herself and isn't happy at all. I think there may be tears before the weekend.

mum2one

just to say hope all goes well with sisier, i'm guessing its the decision we all never want to make, a friend of ours his dogd been diagnosied with cancer, - its unoperable, and chemo etc they day the dog wouldn't get any benefit, hes 12 1/2, so there taking day by day, its knocked us all for 6, dreading how DD going to take when we lost our last dog 3 yrs ago he was inseperable with the friends dog, and the one we have now is doggie friends,
Thou bless her she said at least when sox goes to heaven he and Whisky can be playmates again, - cue the tears from me!

Big hug for your sister xxxx

Pippilongstocking

Oh hugs to you Maty and to you M21 - sad news indeed.

I hope you all embrace the fun bits and the memories, decisions like these aren't easy but kindness is a blessing of sorts.

Cuddles dogs more this end.

Maty - Rodders is one - oh wow - enjoy scotland - i'm heading 'sooth' next week so I'll give you a wave x

Lula how lovely to see you and props a pillow in a corner for you and the hoonds! Thanks for popping in.

Stitchy - I've cleared a bit of the kitchen side, whilst its not large its cosy and you've a spot secured! Lovely to see you too and I look forward to the sensible chat, never managed much of that myself but open to the experience

Goodlife - a woodburner indeed is on my list when I'm debt free - lucky for me the lady in this house put one in - I spent a rather satisfactory 2 hours yesterday foraging for free wood (beach and local skips, I'm not proud) and chopping it up (with the slightly scary but awesome electric wood choppy saw thing in the garage, nailed into a black and decker work bench).

We now have 2 boxes of rather handsome kindling and 2 boxes of square logs for free

Must make sure I go a foraging for wood as much as I can each week to keep the costs down.

Mr Me is here at the moment and bemused at my slightly ruffled sawdusty look. I do like a good log chop.

And Heffi - thank you - I've done a budget (of sorts) having read through the credit cards and bank statements - I will reveal my lack of financial sensibleness in a moment!

Pippilongstocking

Financials................... I have done a new budget hurrah which tells me I have a wee bit extra each month (not sure I beleive that as I always feel eekish about money) so I feel a spending diary coming on..........

Extra work in august netted a whole £86 but I've to invoice two other clients - whoops - must do that.

Well the new car appears to be earning its keep and we 'seem' to be down on petrol spends from £200 a month to about £150 - not great but a fact of life in rural blustery living up north, petrol is £1.44ltr (ish), although works been crazy so many of those miles are expensed.

August spends on petrol were £143, of which £106.50 of those were expensed and I got that today.

So that's gone straight to the captain card as petrols paid on the cc's so I can keep a track of it.

More petrol in the car today £29.30 - bringing September spends up to £110 (but we have moved this month which was more petrol) and some of that will be expensed too - must fill in my form soon as thats really helping keep my miles in check and helping me to combine journeys where I can. which is fab - combined a trip to town (6.5 miles) with a trip to the dump on the way to get rid of broken electricals in the garage and a bag for the charity shop.

Emptied 6 boxes today and 5 bags - much more to do but the book case is heaving now. Half the linen has found a home.

A hokey cokey on and air drying upstairs on a clothes thingmy.

Milk and a few random house bits left me £10.29 out of pocket today in town, although I resisted a smelly gorgeous candle from america (only just) - but I didn't resist the reduced chillis' (20p a pack) which I'll chop up the keep in vinegar to use over winter and a reduced posh bakewell tart for DD (£1.29) and posh fruit (grapes and rasps) and a pack of reduced sausages for the freezer store in the garage

I also bought a tree, some bulbs and some reduced food bits from the local 'everything from diy to plants to local food' store - but those don't count as I had gift vouchers from work for them

Tea from the freezer (fish and baked tatties, with veggies) rather unispired but I was wood chopping and far happier doing that than creating delights in the kitchen poor neglected family.

And speaking of those poor chaps. DD should get her EMA (£30 per week) today (wed) and I'll stop feeling guilty for cutting her allowance to zero soon I'm sure.

DS is slowly assembling his stuff for his exodus next week - I'm half panicked half crazy excited for him. None of his money from SAAS nor student loans arrive before he needs to pay his rent or move - so I'll find that lot somewhere I'm sure. We really need sit down and budget together and see how he stands. All will be fine but a mother doesn't help worry when she hears all his chums (already down and through freshers week) antics. Deep breaths and what I don't know about him arriving home at 3am won't hurt me. He can cook so I'm sure he'll eat

In line with cheerfulness and making sure we keep track of the good as well as the bad, I'm going to try and make a point of remembering what I've spent and the good little things we've acheived to help the pesky finances.

Paid out today - £39.59
Paid to cc - £106.50
Reduced stuff - chillis', sausages, cake, grapes, raspberries, curry spices and cooking butter
Free stuff - plants and bulbs and food and wood and dry clothes

Apart from the fact I can't sleep - not a bad day.