Balancing not just the budget

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  • Buffythedebtslayer
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    I think it is really hard not to worry or feel bad for having organised necessary debt that will be paid for in the fullness of time when you/me/everyone here has had crazy holy crap pants how am I paying for that debt. It still feels weird. I mean I know if house bun sees the specialist he will cost me a fortune but I can afford it if  use my spending money across two months or three months. 

    I bet the house will be amazing :) XXX 
    Nevertheless she persisted.
  • RosaBernicia
    RosaBernicia Posts: 4,891 Forumite
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    I think it is really hard not to worry or feel bad for having organised necessary debt that will be paid for in the fullness of time when you/me/everyone here has had crazy holy crap pants how am I paying for that debt. It still feels weird. I mean I know if house bun sees the specialist he will cost me a fortune but I can afford it if  use my spending money across two months or three months. 

    I bet the house will be amazing :) XXX 

    Thanks Buffy

    I think the house will be genuinely lovely once it's done, and in fact it is already a good place to be, just cosmetic stuff really. 

    It's about what we choose isn't it?  We don't think twice about money spent on pets, and I've never regretted my debt situation for my learning - it made me who I am.  I am going to try and make a bit more of a plan in the next week or so, as I feel things are getting a little more settled and I can think about what next. 

    RB xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • RosaBernicia
    RosaBernicia Posts: 4,891 Forumite
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    Sooo in aid of getting myself sorted...
    • I paid a chunk off each of the CCs last night.  Not clearing the full bill, as I want to know what else I may need cash for this month, and I am knowingly accepting the potential interest cost in order to keep that cash for work on the house. This has turned out to be a good decision so far as I've just confirmed another bit of work will be in November so need
    • I opened a new current account to replace the one whose app has gone doolally. 
    • I thought about doing a balance transfer for one of the CCs, since if I am not dealing with that bank any more it might be a good point to go elsewhere.  But decided to revisit this at the end of the month when I have a better idea about what can be paid off with September paycheque. 
    • Realised I had double counted a clothes order which put a chunk of money back in the budget
    • Also realised I have some expenses coming back at the end of the month so that's another bit back in the pot too. 
    • Crossing fingers for MOT not being too expensive. 
    My food bill has been (even) madder than usual this month as I had an issue with the freezer door sticking open and had to replace everything.  So that will hopefully be less next month. 

    Things to think about...
    • Ideally I should have enough money in the cat and dog pots to cover their insurance excess.  Need to work on that once other things are sorted. 
    • Need to consider winter clothes.  For once I'm doing this early as I didn't get to do any winter shopping the last couple of years and things have got to the point that they need replacing.  I think I will need walking boots, long boots, possibly a couple of tops, and some good outdoor gloves.  I already bought a lovely winter coat and some other bits, and I don't need 'office' clothes any more so previous stuff will be plenty. 
    • I think /  hope [touches wood, crosses fingers] late Nov, Dec and Jan will be less expensive and give me a good chance to catch up as by then the majority of house stuff should be done. 


    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • RosaBernicia
    RosaBernicia Posts: 4,891 Forumite
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    Ooh.  Also just realised I need to do a tax relief claim for some work related expenses.  Which I have been putting off due to the hassle of gathering info and HMRC forms - but actually looks like this year it would be well worth doing. 
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • bellevie
    bellevie Posts: 874 Forumite
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    Fingers crossed for your MOT.

    Enjoy refreshing your winter wardrobe - I do love a winter shop :)
     
    MFW
    Starting debt :£287,410 -11/2020

    2022 Closing balance £271,402.45 

    2023 closing balance £263140


    Original end 11/2045 
    New end date :....... 

    Overpayments to date £534.4 (5/24)



  • RosaBernicia
    RosaBernicia Posts: 4,891 Forumite
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    bellevie said:
    Fingers crossed for your MOT.

    Enjoy refreshing your winter wardrobe - I do love a winter shop :)
     

    Boots, jumpers, snuggly pjs, thick socks... I love winter shopping too  :)
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • RosaBernicia
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    I'm starting to just put stuff on the interest free CC so that I can stop worrying about having cash available, and just untangle it all in November when most of the work will be done.  Thank goodness I did get a 0% for purchases as well as the BT.  Some of the decorating could wait, but I'm keen to get things sorted so I can have time for just relaxing. 

    I also finally lost it with the doolally current account and put in to have it switched.  Tried to send some money to the new account last night and it still wouldn't let me add a new payee on the app, which amounts to refusing to allow me to spend my money!  Already complained twice as it didn't go through with one payment and wouldn't add the plumber when I was trying to pay that invoice.  I still have a CC with them, but will close it as soon as it I can pay it off since it's out of the 0% period and doesn't earn points. 

    Clothes refunds were more than I thought (just added up wrong, blush) so that's a bit more back in the pot. 


    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • EssexHebridean
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    My experience of "things that can wait" is that you end up convincing yourself that it's liveable, and so just putting up with it, so if you *can* deal with it now, probably best to. We had a slightly different situation with the bathroom and kitchen - both were "liveable" although not ideal, but we wanted to wait to do both until we at least knew we had the money stashed to clear the mortgage even if due to fixes etc it hadn't quite gone, so the bathroom got done a few months before, and then the kitchen - finally -  a year or so later, but the hallway which we've been talking about forever is still waiting. The last leak from upstairs will help to spur things on there though as this time we had no choice but to strip the carpet and walls... 
    🎉 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • RosaBernicia
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    My experience of "things that can wait" is that you end up convincing yourself that it's liveable, and so just putting up with it, so if you *can* deal with it now, probably best to. We had a slightly different situation with the bathroom and kitchen - both were "liveable" although not ideal, but we wanted to wait to do both until we at least knew we had the money stashed to clear the mortgage even if due to fixes etc it hadn't quite gone, so the bathroom got done a few months before, and then the kitchen - finally -  a year or so later, but the hallway which we've been talking about forever is still waiting. The last leak from upstairs will help to spur things on there though as this time we had no choice but to strip the carpet and walls... 
    Thanks EH.  I'm trying not to fall back into 'ages to sort it' like with the last house, so am hoping most of the internal will be sorted by Christmas.  The garden and bathroom will be next year's projects and the kitchen further down the line. 

    Hope your hallway is getting there

    RB xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • MuffinTops
    MuffinTops Posts: 2,477 Forumite
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    Hello Rosa,

    You sound like you're in a better place about the work that you need to do in the house.  It sounds like it's all under control, but I understand the worry about the expense of a new house.

    Take care, 

    MT xx
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