lurvlylurker does a diary

Shortie

Hiya Loz, I've just popped a couple of resolutions on my diary, I don't usually make any but I feel this is a year to challenge myself. I usually completely get not making them though as I feel like I'm just setting myself up for a fall

Glad you enjoyed NY, and fingers crossed re hubby's work. I'm waiting with baited breath to make my first overpayment on debts - I don't dare take any spare funds out of the rental house account yet as we're still waiting for rent (I'll call the agent tomorrow to check what happening here) so I don't dare touch any spare money incase I need to to cover next month's mortgage payment for the property, and I have a £300 bill to pay for work done on the boiler (we've only been blooming renting the house for 2 months :eek: - we have money aside for emergencies already luckily, I wasn't prepared to start renting without that buffer upfront, luckily it would seem!) so I don't know yet if I have any spare there. I have moved money into a sub account on my own current account though, to make overpayments, but with an exhaust that will need replacing and a new battery needed in Mr Shortie's car I don't dare use that money yet to overpay.


Sorry to waffle away on your diary there

lurvlyloz

waffle away shortie good job you were sensible with having a buffer.

so this morning i dropped my wheel off as i need a new tyre (yes i know i should of had it done sooner but i am lazy!) £60 cheapest tyre.
Usually (pre LBM) i'd of thought...cripes..how am i going to pay for that...no bother pop it on my credit card. today (although there was that slight feeling), i looked at my accounts, rememebrs i had put £100 extra in my bills account(of which i put £50 on to npower and so still have £50 left! which means..... i will be paying for my tyre...NOT on credit! this makes me feel very happy and like im actually changing my mentality and achieving things. yay good start to 2013 i feel.

im going to catch up on some other diaries! sorry i've not posted on them much but i am back at work now so can look a bit easier

lurvlyloz

so...here are the plans:

House:
finish skirting in living room
finish door frame int he bathroom
doors x5 upstairs
retile kitchen floor
build/organise my wardobe (its a walkin one and needs re doing)
clear all rubbish out of the coal bunker to the tip

Acitivites (this we want to do together)
go to the pictures (ewe've never been)
go to the zoo (again never been together
go on a holiday
go bowling (again...never)
good food show in november
weekend city break (might be going amsterdam in march with some friends)
go & see nan & grandad

my plans:
lose 1/2 stone by my birthday
pay as much of debt as poss (min £3.5k)
spend more time with my mum
plan wedding anniversary weekend (edinburgh hopefully)
finish 2013 with £1000 in savings
re-new passpprt
have girly weekend away (hoepfully going away with bestie)

this is all possible o change if hubs doesnt get work...obviously weekends away will be knoced on the head BUT this is the plan


PHEW!

lurvlyloz

again this month we are paid a month early... so im gonna annoy you all (and hubs) with my official payday & actual pay day.

get paid 23rd...but official pay day is 30th...SO i have 4 weeks til official payday! i have plenty of money (not plenty but enough money to see me through) and have budgeted for the trip this weekend and a clubbing night end of the month so allll good if ic an do it in december SURELY i can do it it January

cheeky Next..ordered some slippers before xmas and then opened an account for me. i got a statment (£0) but id ont want credit limit of £600 thank you! i have just rung up & cancelled that badboy!

rising_from_the_ashes

Next are apparently really bad for opening accounts even when people don't want them ....

Re your available and actual bank balance ... have you thought of having a separate account for bills etc?

It's honestly fab - I transfer a set amount on payday to cover everything & that's it - I don't need to worry that something won't get paid or I've still something to come off my balance ... everything left in the other account is mine!

(unfortunately it's not a lot!)

StressedSteph

Hi LL

You have some great plans. Its good to have something to plan for.

Well done for having some monet put aside for your tyre. I can't wait to have an emergency pot and not be blindsided by unexpected breakdowns.

Fingers crossed for hubbys job. When will you find out?

xx

lurvlyloz

hi rising.

i have two accounts. oe for housebills (mortgage, water, electric, internet phone, sky, council tax, tv, car ins and cat ins)
then i have the other account which is mine & my wages get paid into that.

on pay day i transfer enoguh to cover all bills and food. then i pay my bills as much as possible (two ccredit cards), mobile dd & loan dd then go out + boiler cover, life ins & other cat ins. not sure why they dont go out of the bill account.
now because of being paid early last month and will eb this month, i've transferred all money out into "savings" so i only have dd money in there...then i just transfer a little bit each week for spends and petrol so trying to keep as much out of my general account and in saving pot as possible.

does that make anysense?!?

lurvlyloz

steph he has a meeting (in the pub over a pint) either tomorrow or friday about it

Shortie

Your plans sound excellent Loz - I like the idea. Oh and well done on cancelling the Next account that you didn't want opened - some peeps would leave it open thinking it can do no, harm but that's how debts can creep up on us, so that was a swift and smart move there

We have a seperate account too Rising for bills etc. When we bought our first house, our IFA suggested we did so to help us budget. He was pretty good really - wasn't just trying to sell the product, he actually gacve us some really good advice that set us up on a good stead. Since day one of our first mortgage, because of that chap we've always had seperate accounts for bills, and for years we had one for food too (though that's now replaced by cash in an envelope)

Aamberle

Morning LL - Hope all is well and that much needed pint for Hubs is today.

Have a good One x