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Balancing not just the budget
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Excellent work on that Insurance thing - definitely best back in your pocket!
You've also got me looking at the RU boxes - they do look good.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
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EssexHebridean wrote: »Excellent work on that Insurance thing - definitely best back in your pocket!
You've also got me looking at the RU boxes - they do look good.
I also accidentallystarted looking at the ones that fit lever arch files. It might be worth the cost of the box just to get me to finally shift some stuff out of the house as I'm never really going to go through the files!
Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
RosaBernicia wrote: »Thanks Beanie
How is your chair hunt going so far?
Havent looked as yet.
I hate trochling round shops but will face it at some point.
Have put word out to some friends in case anyone knows anyone selling something that might do.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.0 -
RosaBernicia wrote: »I want a new (to me) sofa in a better colour for the room, and have now decided it actually needs to be a sofa bed so that I can have more people to stay. Unfortunately the one in the Swedish shop may not come in quite the right colour which is very annoying, and I'm having to look elsewhere. There are a couple of the big stores near the office I'm going to tomorrow so I shall have a wander and look for ideas, but they do look to be more expensive. I'd also forgotten that if it's not the Swedish shop I won't get it for weeks anyway!
Could the covers from the Swedish place be dyed the colour you want?Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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Could the covers from the Swedish place be dyed the colour you want?
Oh interesting thought Kerri... Possibly, but I think it would probably ending up costing as much as a sofa from somewhere else.
Planning to have a look in the charity shop where I got the last one soon just in case. And should have another bit of furniture sorted soon which means I will have a better idea of colours.Debt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
Good stuff...
- Pay rise more than I thought it would be
- A little more money in from elsewhere
- Logged on and started tax return; found P60
- Am now filing things by tax year
Annoying stuff...- Made three trips into the loft looking for the right files
- Put the wrong year P60 in the form so must remember to fix it
- Don't seem to have interest statements for all accounts
Going to bed now before I do something else daft while tired :rotfl:
Rosa xxDebt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
Havent looked as yet.
I hate trochling round shops but will face it at some point.
Have put word out to some friends in case anyone knows anyone selling something that might do.
I'm trying to do some online investigations but crikey it's dull :rotfl: I don't find it really gives me a sense of the thing so am going to have to face the shops at some point.
3bay and Pr3loved might also be worth a look, for both of usDebt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
Hello Rosa,
Well done on remembering and noticing the insurance glitch. Makes me roll my eyes that they promise something from 2 systems that have no connection with each other.
Good luck with the furniture finding.
MTx0 -
Tax return done... hoping no surprises and bill similar to last time.
Electric bill received which is hideous but not surprising as I have had the storage heaters turned up and been using much more heat during the day while working at home. They haven't asked for an increase in the direct debit, which is fine by me as I'll switch the heaters off as soon as it gets warm enough and bills will go right down over the summer. Re-read how I am supposed to be paid the allowance for working at home and found two contradictory guidance documents :cool: so have emailed to ask which is correct.
Remembered a couple of invoices I have to pay and that I booked a haircut, so adding those to the January budget has pushed up the overspend again, but it's still less than the spare from the February paycheque and this month did include the arrears interest for the new mortgage, so I don't think anything's too wobbly.
Step by step
Rosa xxDebt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0
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