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Balancing not just the budget

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  • beanielou
    beanielou Posts: 95,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Step by step is always good :)
    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.
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 27 January 2019 at 8:26PM
    Shuffle shuffle...

    Everything matching up, but technically still well overspent for February at this point as I have had a bit of a worry wobble about the political situation and stocked up on things that are imported and would be difficult without time to adjust. Mostly gluten free things, so extra risotto rice etc, and a double order of the cats' food as they are sensitive to a lot. Still technically within February paycheque but would rather get straight if possible.

    Have a case of the fidgets today... suddenly very impatient with all the stuff that still needs doing with this house. Probably the time of year, I love this soggy waiting time where everything is just getting its s**t together ready to spring into action. Hopefully including me :rotfl:. Did a couple of jobs that have been waiting for ages and got a bit :( about all the stuff that still needs sorting as some of it needs paying for, but reminding myself it will get there and I'll find ways as I go.

    Summary for January, assuming no dramas before the end of it:
    • Remortgage interest
    • House repairs
    • Dental work
    • Osteopath
    • Haircut
    • Other appointments
    • Buffer fund @£150

    Feel a bit better about the low buffer fund looking at everything that did get done this month!


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • MuffinTops
    MuffinTops Posts: 2,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I've been feeling the same about how much I need to get done indoors Rosa. It's not fun looking around and seeing the overwhelming list of things. The joys of home ownership!


    I don't think the gloominess of January helps either! We'll get there!


    MTx
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 27 January 2019 at 8:26PM
    MuffinTops wrote: »
    I've been feeling the same about how much I need to get done indoors Rosa. It's not fun looking around and seeing the overwhelming list of things. The joys of home ownership!

    I don't think the gloominess of January helps either! We'll get there!

    MTx

    We will MT... and I think I have a plan for some of my indoors work at least, a couple of small tidying jobs that can be done in the evenings and I think I'm going to change my mind back again about a sofabed. There is a sofa in the Swedish store that would do for what I want and would be fine in the room as it is, as well as having easily changeable covers. I don't necessarily need another bed available and can always buy an airbed if I do, which would be cheaper overall as well. So that plan can be acted on faster now.

    Otherwise the plan is mostly to get back to FlyLady...


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • kerri_gt
    kerri_gt Posts: 11,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    We will MT... and I think I have a plan for some of my indoors work at least, a couple of small tidying jobs that can be done in the evenings and I think I'm going to change my mind back again about a sofabed. There is a sofa in the Swedish store that would do for what I want and would be fine in the room as it is, as well as having easily changeable covers. I don't necessarily need another bed available and can always buy an airbed if I do, which would be cheaper overall as well. So that plan can be acted on faster now.

    Otherwise the plan is mostly to get back to FlyLady...


    Rosa xx

    Hi Rosa, I think you're sensible about the sofa bed. Personally I don't ever find sofa beds as comfortable as a proper sofa to sit on, it's a bit of the case of a curse of trying to be two different things at once and doing neither fully well.

    Like you say, if you have extra guests there's always air beds, which I'm sure even they could bring if asked in advance, or worst case, a couple of duvets on the floor will suffice for one night.

    I can honestly count on one hand the times our spare bed has been used, we could make better use of the room without it but I'm loathed to get rid of a perfectly good bed and mattress now we have them.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


  • beanielou
    beanielou Posts: 95,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    MuffinTops wrote: »
    I've been feeling the same about how much I need to get done indoors Rosa. It's not fun looking around and seeing the overwhelming list of things. The joys of home ownership!


    I don't think the gloominess of January helps either! We'll get there!


    MTx

    Same here:(
    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.
  • beanielou
    beanielou Posts: 95,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Also agree on the sofa bed.
    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.
  • That is a good January list of done things.
    I know you are feeling a bit meh but you have achieved a lot lately :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    kerri_gt wrote: »
    Hi Rosa, I think you're sensible about the sofa bed. Personally I don't ever find sofa beds as comfortable as a proper sofa to sit on, it's a bit of the case of a curse of trying to be two different things at once and doing neither fully well.

    Like you say, if you have extra guests there's always air beds, which I'm sure even they could bring if asked in advance, or worst case, a couple of duvets on the floor will suffice for one night.

    I can honestly count on one hand the times our spare bed has been used, we could make better use of the room without it but I'm loathed to get rid of a perfectly good bed and mattress now we have them.


    Thanks Kerri. I agree about the two things at once neither well, and this sofa was the original plan until I thought about two friends potentially both wanting to stay over. However, it would most likely be one night and I'm doing my usual overspecification for things... the sofa would look better too. The spare bed isn't used a great deal but I'm conscious that most of my support network is scattered about and a bit too skint for hotel bills, plus my previous overspeccing for the house means I like the potential to have a lodger if I'm ever in a position where I need to.

    I'm also loath to get rid of perfectly good furniture but I think I need to get over it :o otherwise I am just going to end up with a garage full of all the stuff from my flat, which I am never really likely to need and someone else might be glad of.



    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 27 January 2019 at 9:40PM
    Thanks all, I think the sofa is now a plan and I've made more progress with the room tonight so it will get there.

    Also swopping things around to the spare room which will make that a bit more co-ordinated before I get round to sorting it properly. So all steps in the right direction :)
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
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