Balancing not just the budget

RosaBernicia

MuffinTops wrote: »

Hello Rosa,

Well done on the negotiations. Hopefully your solicitors absence won't cause any delays for you. Are you dreaming about the changes you'll be making in "your" home?

I used to be the same with the shop & scan, particularly with receipts. I do sometimes take photos of the receipts on my phone and then just email them to my computer which can be a little workaround?

It's understandable that the new year goal lists haven't happened yet but it's great that you're getting clearer ideas now.

MTxx

Hi MT

I used to do photos on the phone but the last couple of weeks I CBA doing even that, probably because of everything else going on.

Yes I'm enjoying thinking about what I can do with MY new home! And a benefit I hadn't expected is that I feel much clearer about decluttering - now I can think whether it will work or be needed in the new house, and know what that means, rather than wondering if I will need it in a vague possible future house. I don't know why I thought I was ever likely to live somewhere that would need all the towels and tableware I seem to have collected :rotfl:


Rosa xx

doingitanyway

RosaBernicia wrote: »

Hi MT

I don't know why I thought I was ever likely to live somewhere that would need all the towels and tableware I seem to have collected :rotfl:
Rosa xx

I am the same. I have enough china to start a restaurant. Enough towels for a hotel...your post about aspirational life and actual life rings a very loud bell with me. You are going to your new home with a clear head

moneyonmymindsam

Hello Flower


Good luck with the decluttering - its an on-going misson!


Thinking of you and wishing you well.


Sam x

EssexHebridean

Nice one on getting the price dropped. Your broker will inform the mortgage company and they will issue a revised offer usually, although in theory they can just note the change and write formally agreeing to it, they usually do go down the revised off route.

Towels. Hmmm. Yes. I got rid of a LOT of those when we got the bathroom done!

RosaBernicia

EssexHebridean wrote: »

Nice one on getting the price dropped. Your broker will inform the mortgage company and they will issue a revised offer usually, although in theory they can just note the change and write formally agreeing to it, they usually do go down the revised off route.

Towels. Hmmm. Yes. I got rid of a LOT of those when we got the bathroom done!

Thanks EH

Very pleased I asked - I would have been cross about it forever if I'd just accepted the extra costs, so figured I had nothing to lose. It won't cover the full amount because that would have dropped the price back to a level they'd already refused, so I figured there was no point doing that - just pointed out the issue and said I would contribute part but expected a reduction to also address the issue.

Now just thinking about all the packing... :eek:


Rosa xx

ZTD

RosaBernicia wrote: »

Yes, I have thrown out an awful lot of heels, nail polish and make up after accepting I am never going to be the kind of person who cares about them :rotfl:

I came to that realisation from a very early age, so never bought that sort of stuff in the first place...

RosaBernicia wrote: »

Books are a completely different matter...

Yes - aren't they.

RosaBernicia wrote: »

thank goodness I got a Kindle!

Books can be a 3D wallpaper - kindles can't... :rotfl:

RosaBernicia

Just sorting things out ready for payday - it's not quite yet but I have other things on the day so wanted to get the budgeting done now. It means slightly cheating with the date in YNAB but I know it's due and correct because I have the payslip so I don't feel too guilty!

All looking OK and I have put some more money aside for the move. I should also have a payment from my extra contract coming next month, so that will help too.

One thing that suddenly astonished me... I have paid my credit card bill in advance of payday, because I was going through online banking for the month. It felt a bit odd. Then I realised that it was fine, because even though it's a credit card the money was already allocated from my LAST paycheque*. Guess I'm still adjusting :rotfl:


Rosa xx


* And thanks to YNAB, I could see this

RosaBernicia

ZTD wrote: »

Books can be a 3D wallpaper - kindles can't... :rotfl:

Aha - insulation!

RosaBernicia

moneyonmymindsam wrote: »

Hello Flower

Good luck with the decluttering - its an on-going misson!

Thinking of you and wishing you well.

Sam x

Thank you lovely Sam :A right back atcha

I am still in awe of your 3bay genius - there are two LKB dresses that need to be decluttered and have I got round to listing them? ...


Rosa xx

EssexHebridean

Good work on the CC bill payment. Do you think that makes you an official grown-up?! :eek::o:rotfl: