This Time I'm Really Going To Do It

Watty1

Alchemilla wrote: »

Watty I feel the same about saddles.
it seems the more one thinks, the less one knows.

Ponyplops is up for the show if she can be entered for "running out at jumps whilst looking cute".

Oh definitely! We can do that class after Most Handsome has gone over bottom poles (we are good at that now) and before Floppy turns up to fly over huge fences. Ponyplops and Most Handsome can graze while we eat cake and watch Floppy in awe! Totally up to LauraJo what she enters. All classes designed with the winner in mind

Watty1

Have gone a bit off track with MSE stuff what with buying lorry and so on. Over lunch yesterday chatted with friend and felt suitably humbled that I had fallen by wayside as they are down to a mortgage of 7K and are in the process of buying 2 BTL flats.

Felt I needed a specific plan and downloaded Money to the Masses 30 day guide.


Day 1 is to log spending on smart phone app for use on day 28. Need to skip that don't have a smart phone. Always fail with the pen and paper notes so will glide over that and start with day 2.

Day 2 earn £100 for bank account switch. OK, so this is something that is a good idea and I've read about many times. I am so doing this today. Logged on - and - I am not actually eligible for the switches. Yes, I could open another account somewhere, anywhere, arrange a standing order or 2, sort finances out so I can pay in and then switch, but, really ??? I'm not sure even if I will be eligible then.

Day 3 Check what benefits you are entitled to. Surely I cant be entitled to any???? At this rate the 30 day plan will be done by lunchtime without me completing an assignment!

DedicatedDFW

Hi Watty,

Is this a free guide ? I've not heard of it before but hope there ae some good things you can glean from it Option 1 i often do just to check my spending habits - & i do use a pen and paper system. Option 2 i can do but like you read all the small print and think will this actually happen? And option 3 yep nothing.

Don't be too hard on yourself Watty, you've done brilliantly with the mortgage and the things you are buying - horse things are about the lifestyle you want to live - i think you are striking a good balance between overpayments and enjoying life :T But at the same time its good to be mindful of purchases and get back into the MSE way x

Watty1

Dedicated, it was a kindle book I found that promised to save you 10 x the cost by the end of the month. Its not looking good so far :rotfl:
There is a website too (google money to the masses). Anyway the book has an assignment for you to do daily and I thought I would do them. Only so far - day 1 for me - and I've found the daily assignments not relevant.
So I just used the benefits website calculator to discover I am not entitled to any benefits - as I suspected - and rather depressingly there is another 15 years to go before retirement - I think I can do better than that


Day 4 assignment is on cutting childcare but we don't have children Potential saving £1866...suspect having a child will cost more than that, unlikely to get one before the day is out anyway especially given own age. To old for children to young to retire.


So, in my enthusiasm to complete an assignment I have moved on to day 5. Find out when I will get my state pension. Err I did that when I used the benefits calculator. Clearly I have run ahead of myself :rotfl:


Right, Day 6, an assignment that I can do and that actually is relevant for me. I have filled in and sent off a form to review my state pension. I have had a very haphazard work history and this seems a very sensible thing to do.


Phew! Now I shall begin work Well, maybe make a cup of tea then begin work!

Alchemilla

Well done on the pension.

Watty1

Day 7/30 day plan. Today's exercise was about checking life insurance, critical cover etc needs.


Mr Watty is nicely covered if I finish the business contingency plan as he could run my business. So, rather than spend money on insurance I am resolved to spend time on this each day until it is done, rather than starting it as I did some while ago and leaving it. Today I will print it out and consider what else needs to be covered.


As for me covering Mr Watty, well, we both think he has some kind of cover but the answer as to what is in the "filing cabinet of doom". So thats whats next.


Between work and dentist visit, tackle filing cabinet of doom

Habibiboo

:wave:

Hi Watty, sorry to hear poor pony is having troubles, but very intrigued by chiropractor tending to both dog and pony, great mental image of a garden waiting room for attention!

Speaking of which, how are your head and neck now, any better?

I'm with you on the bean tins ... recent cupboard declutter has meant we have a whole cupboard of dried pulses that must be eaten by Christmas as well as lots of tins for those times when I CBA or don't have time to do the soaking, boiling malarkey on the dried ones!

Love your updates on the Money to the Masses progress, will be interesting to see if the claim of 10x works in the "too old for children too young for pension" time of life, the same one I find myself in (I now have adults, not children) so I'm watching your progress with interest.

Have a good hump day. x

Watty1

Habibiboo wrote: »

:wave:

Hi Watty, sorry to hear poor pony is having troubles, but very intrigued by chiropractor tending to both dog and pony, great mental image of a garden waiting room for attention!

Speaking of which, how are your head and neck now, any better?

I'm with you on the bean tins ... recent cupboard declutter has meant we have a whole cupboard of dried pulses that must be eaten by Christmas as well as lots of tins for those times when I CBA or don't have time to do the soaking, boiling malarkey on the dried ones!

Love your updates on the Money to the Masses progress, will be interesting to see if the claim of 10x works in the "too old for children too young for pension" time of life, the same one I find myself in (I now have adults, not children) so I'm watching your progress with interest.

Have a good hump day. x

Head and neck much better. Hope if I ever complain again someone will remind me that the expensive London Osteopath was soooo worth every penny rather than the cheaper local chaps. Was in a pain for a couple of days after his treatment then a gradual decrease to now - virtually pain free and so happy!


And the garden waiting room amused me! It is a bit like that as she comes out to treat them in their own place - and its rather like a person being treated really only no laying down on a table

Watty1

Day 7/30 Update: One drawer in filing cabinet of doom cleared. Papers shredded.


Found the details of Mr Watty's pension scheme via work and as we suspected there is a death in benefit service and a widows/partners pension.


This means that we both feel we are covered and have no need for additional insurances.

Interestingly I would be better off if we married under Mr Watty's pension plans. I think that is something we should consider at some point (how romantic). And before anyone points out the cost of a wedding I was thinking a civil service with lunch afterwards as honestly we don't need to be married but if I might be better off I will happily consider it


Found a ringbinder in office and made a list of topics to be covered in business manual. Will aim to do a topic a day starting next week.


in other updates, own dental trip was expensive but painless

Habibiboo

Watty1 wrote: »

Interestingly I would be better off if we married under Mr Watty's pension plans. I think that is something we should consider at some point (how romantic). And before anyone points out the cost of a wedding I was thinking a civil service with lunch afterwards as honestly we don't need to be married but if I might be better off I will happily consider it

:wave:

Wow, Watty, you're really taking the romance of "for better, for worse" to heart! :rotfl: Perhaps you could revise the vows to include "off" after better? 2016's just a short hop away now, if you're planning to get down on one knee in light of this new information!

It's interesting though because my mum and her OH aren't married because they would be significantly worse off in respect of pensions etc.

Glad your head and neck are feeling better, let's hope poor pony enjoys the same quick recovery after a bit of hands-on therapy.

Sounds like you are going great guns on the organisation stakes ... think you should still count all this in the decluttering because you're certainly decluttering your life and getting things sorted. x